Cash ISAs: The Best Currently Available List

bristolleedsfan

Another Virgin Money Issue incoming ?????  

OakNorth Bank 36 Months 4.63%  - 24 Months 4.66%  - 12 Months  4.54%

t1redmonkey

Hard to know when to fully commit to a fix when the rates keep edging up higher bit by bit.

t1redmonkey

West Brom BS 4.6% 5 year ISA - quite a big increase over the previous 5 year leader (UBL at 4.35%).

caveman38

t1redmonkey said:

West Brom BS 4.6% 5 year ISA - quite a big increase over the previous 5 year leader (UBL at 4.35%).

Are you sure? 
4.05 at this moment.

Bridlington1

caveman38 said:

t1redmonkey said:

West Brom BS 4.6% 5 year ISA - quite a big increase over the previous 5 year leader (UBL at 4.35%).

Are you sure? 
4.05 at this moment.

According to moneyfacts a 4.6% 5Y fixed ISA will be launched by West Brom BS. Moneyfacts often shows savings accounts before they're launched so this will probably appear on the West Brom BS website later today.

bristolleedsfan

t1redmonkey said:

West Brom BS 4.6% 5 year ISA - quite a big increase over the previous 5 year leader (UBL at 4.35%).

Now on website  -  West Brom BS 4.6% 5 year ISA 

alternate

t1redmonkey said:

Hard to know when to fully commit to a fix when the rates keep edging up higher bit by bit.

I am on my third Virgin 3 year fix.  They offer a generous 30 day funding window and have twice raised the rates during that period - so I just open a new one and wait for nearer the 30 days to fund it.  I suspect I will be opening a 4th.

t1redmonkey

alternate said:

t1redmonkey said:

Hard to know when to fully commit to a fix when the rates keep edging up higher bit by bit.

I am on my third Virgin 3 year fix.  They offer a generous 30 day funding window and have twice raised the rates during that period - so I just open a new one and wait for nearer the 30 days to fund it.  I suspect I will be opening a 4th.

You're right - new fixes today from Virgin.  4.56%/4.66%/4.7% for 1/2/3 years respectively.

tunde10

t1redmonkey said:

alternate said:

t1redmonkey said:

Hard to know when to fully commit to a fix when the rates keep edging up higher bit by bit.

I am on my third Virgin 3 year fix.  They offer a generous 30 day funding window and have twice raised the rates during that period - so I just open a new one and wait for nearer the 30 days to fund it.  I suspect I will be opening a 4th.

You're right - new fixes today from Virgin.  4.56%/4.66%/4.7% for 1/2/3 years respectively.

I opened the 3yr account @ 3.52% 5days ago. I have already sent off a transfer from by post to switch my ISA from Vanguard. What is the best solution to get this better account @ 4.70%? I am still within the cooling off period.

1. Open a new one myself & initiate the transfer to the new account once the other transfer is complete. This will only work if the initial transfer completes within the 30 day funding window. Also will lose interest earned during transfer process by this method.
2. Open a new one myself & call them to amend my transfer from Vanguard to the new ISA instead. 
   
3. Message through Online Banking and ask to transfer me to this new account keeping the same A/C number. I've already done this but i'm worried they may take a while and product could be withdrawn. 

Any recommendations?

jase.2

tunde10 said:

t1redmonkey said:

alternate said:

t1redmonkey said:

Hard to know when to fully commit to a fix when the rates keep edging up higher bit by bit.

I am on my third Virgin 3 year fix.  They offer a generous 30 day funding window and have twice raised the rates during that period - so I just open a new one and wait for nearer the 30 days to fund it.  I suspect I will be opening a 4th.

You're right - new fixes today from Virgin.  4.56%/4.66%/4.7% for 1/2/3 years respectively.

I opened the 3yr account @ 3.52% 5days ago. I have already sent off a transfer from by post to switch my ISA from Vanguard. What is the best solution to get this better account @ 4.70%? I am still within the cooling off period.

1. Open a new one myself & initiate the transfer to the new account once the other transfer is complete. This will only work if the initial transfer completes within the 30 day funding window. Also will lose interest earned during transfer process by this method.
2. Open a new one myself & call them to amend my transfer from Vanguard to the new ISA instead. 
   
3. Message through Online Banking and ask to transfer me to this new account keeping the same A/C number. I've already done this but i'm worried they may take a while and product could be withdrawn. 

Any recommendations?

Wait to switch is complete

log in, down at the bottom go to add new account and during that it lets you transfer an existing virgin isa over and it will recognise your in cooling off and not charge you a fee.

Last week I did this with a 4.41% account and moved back to easy access to wait another bit after the inflation news 

not sure if 4.7% is the time to move it back to fixed or whether if I do move it whether I get another 14 days cooling off or not