Cash ISAs: The Best Currently Available List

Kazza242

Hello everyone.

There have been some new fixed rate ISA launches:

Paragon Bank:
1 Year: 4.40%
2 Year: 4.40%

Virgin Money:
1 Year: 4.33%
2 Year: 4.40%

Charter Savings Bank:
1 Year: 4.31%
2 Year: 4.39%

Close Brothers:
2 Year: 4.40%

Also the Marcus and Saga Easy access cash ISA rates have risen to 3.50% respectively.  

Leeds Building Society are launching their new Limited Issue Online Access ISA (issue 60), paying 3.55%

The Chorley BS Easy Access (3 withdrawals) Cash ISA rate has risen to 3.55%

All of the above have been added to the list on the first page of this thread, here.

intalex

With a Shawbrook ISA, anyone know if / where it's possible to see the current tax year ISA allowance used / remaining? TIA

alternate

Cynergy made some minor changes to their T&C.  Nothing really of interest, however in the email about my fixed rate ISA it says that you can refuse the T&C and close the account "with no charge".  I wonder if that gives people locked in to a lower rate a chance to transfer out without paying the usual penalty that a fixed rate would entail.

valba_2

Has anyone else had trouble trying to transfer an old Paragon Triple Access ISA to the new one?  I am still getting 3.2% and tried to open issue 13 and transfer to this. I have tried 3 times now and sent secure messages to Paragon to tell them I get the message that I do not have an account to transfer from.  The last reply said they were involving their  IT team and that I had to try again.  I did and I am still getting the same message that I do not have an account to transfer from,  It is so frustrating.  

intalex

valba_2 said:

Has anyone else had trouble trying to transfer an old Paragon Triple Access ISA to the new one?  I am still getting 3.2% and tried to open issue 13 and transfer to this. I have tried 3 times now and sent secure messages to Paragon to tell them I get the message that I do not have an account to transfer from.  The last reply said they were involving their  IT team and that I had to try again.  I did and I am still getting the same message that I do not have an account to transfer from,  It is so frustrating.  

I transferred (merged?) an easy access ISA into a new triple access ISA at the time of account opening and it was seamlessly automated with accrued interest credited first and the full balance transferred into the new ISA and the old ISA was closed, and the (flexible) ISA summary remained as before with remaining allowances (including "temporarily" withdrawn funds) all remaining intact. Pretty good systems actually, based on my experience.

steveksullivan

refluxer said:

steveksullivan said:

caveman38 said:

Others on here seem to have confirmed they have been able to add as described ..... we'll see ..... first test on Wednesday with the first of my matured accounts. If all this does work, I think they must be the most flexible provider in this regard. Dont know any others that allow this

Please post whether you are successful with your next deposit

Yep, they seem to have taken todays deposit no probs - next big test will be the matured ISA transfer-in, in October!

Watch this space ......

Having re-read the T&Cs again, it looks like different rules appear to apply to transfers. Is your maturing ISA a Shawbrook ISA ?

From the following extract, it looks like transfer requests from other providers need to be made at the time of opening a fixed rate Shawbrook ISA (although the use of the word 'may' when they say 'Transfer requests received after your initial account application may be refused' introduces some uncertainty).

You should be able to transfer internally (from another Shawbrook ISA) at a later stage though, but only if the account is 'open to new funding' so could that mean only while that issue (ie. rate) is still available ?

• Requests to transfer funds into an account from another ISA provider must be made at the same time as your initial account application by signing a transfer form. Transfer requests received after your initial account application may be refused.

• Transfers in from other Shawbrook Cash ISAs are permitted subject to the account being open for new funding.

As I said earlier  - in my phone cals to Shawbrook, several of them but particularly the last one  (.....the one where I confirmed it was being recorded....!)  I detailed EXACTLY when my ISA matured, in October, and told them it was with Virgin.

They confirmed it would be OK to transfer in.

What wins, a recorded phone call with a CS representative, or Ts and Cs which have already been proved to be 'incorrectly' adhered to?

EDIT: It may be a 'moot' point though - just noticed Virgin are back at the top of the 2yr table again. With their lower early-exit penalties, if that's still true in October I will be staying with them .....

Ocelot

That's several people now who have used to American meaning of 'moot', when in Britain it means 'debatable'.

steveksullivan

Ocelot said:

That's several people now who have used to American meaning of 'moot', when in Britain it means 'debatable'.

I wondered as I wrote it ..... the reason why I put it in quotes!!

Thanks ......

bristolleedsfan

NatWest/RBS  2 Year Fixed Rate ISA Issue 323  4.50%

JGal

valba_2 said:

Has anyone else had trouble trying to transfer an old Paragon Triple Access ISA to the new one?  I am still getting 3.2% and tried to open issue 13 and transfer to this. I have tried 3 times now and sent secure messages to Paragon to tell them I get the message that I do not have an account to transfer from.  The last reply said they were involving their  IT team and that I had to try again.  I did and I am still getting the same message that I do not have an account to transfer from,  It is so frustrating.  

What's the correct process for transferring from an existing Paragon TAISA to a new issue with funds remaining in the ISA wrapper? Just put the outstanding balance in and click transfer or fill out the transfer form or other? If the former does outstanding interest automatically get moved too? I've been waiting a week for a message to them to be answered on this. TIA