Cash ISAs: The Best Currently Available List

uk1

Hi all,

I’m unable to find a clear answer on the Virgin website.  

After the initial 30 days can you transfer other ISAs into the account as they mature elsewhere? 

Thanks.

Bigwheels1111

jordan8693 said:

I opened a Lloyds 4.95% ISA 4 days ago but haven't deposited any money as I haven't received my login details in the post yet. I see that Charter Savings bank has gone up to 5.2% now, am I stuck with Lloyds because you can only open one ISA in a tax year, or could I open a new Charter Savings account and just not deposit money in the Lloyds account?

How many years is the Charter ISA, 3 years ?.
‘If so I would opt for the Virgin money ISA, 5.2% for 3 years but only 120 day penalty to exit the ISA

rallycurve

uk1 said:

Hi all,

I’m unable to find a clear answer on the Virgin website.  

After the initial 30 days can you transfer other ISAs into the account as they mature elsewhere? 

Thanks.

I don't think so. You can only pay money in during the first 30 days. I believe the 'transfer an ISA into this account' link disappears after 30 days

Oasis1

Still waiting to hear from Coventry BS on what they'll be changing their rates to after they announced they were going to...

gt94sss2

Oasis1 said:

Still waiting to hear from Coventry BS on what they'll be changing their rates to after they announced they were going to...

https://www.coventrybuildingsociety.co.uk/member/help/member-support/bank-of-england-base-rate.html 

7th July

Ocelot

Bigwheels1111 said:

jordan8693 said:

I opened a Lloyds 4.95% ISA 4 days ago but haven't deposited any money as I haven't received my login details in the post yet. I see that Charter Savings bank has gone up to 5.2% now, am I stuck with Lloyds because you can only open one ISA in a tax year, or could I open a new Charter Savings account and just not deposit money in the Lloyds account?

How many years is the Charter ISA, 3 years ?.
‘If so I would opt for the Virgin money ISA, 5.2% for 3 years but only 120 day penalty to exit the ISA

Charter don't do anything longer than a 2 year ISA.

Oasis1

gt94sss2 said:

Oasis1 said:

Still waiting to hear from Coventry BS on what they'll be changing their rates to after they announced they were going to...

https://www.coventrybuildingsociety.co.uk/member/help/member-support/bank-of-england-base-rate.html 

7th July

Thank you! Perhaps I missed their e-mail but this is great news. I won't need to look at doing a transfer unless others up their rates a fair bit more.

dingling68

code_hunter_2 said:

Kent Reliance - attractive 1yr fixed rate as can top-up throughout the year. 

2yr Fixed Rate ISA: 5.12%
1yr Fixed Rate ISA: 5.10%

Shame I forgot about this when I deposited my final chuck of ISA money into my original 1yr fix at more than 1% lower … doh 

tunde10

rallycurve said:

uk1 said:

Hi all,

I’m unable to find a clear answer on the Virgin website.  

After the initial 30 days can you transfer other ISAs into the account as they mature elsewhere? 

Thanks.

I don't think so. You can only pay money in during the first 30 days. I believe the 'transfer an ISA into this account' link disappears after 30 days

You can't initiate a transfer. But if you already filled in a transfer form and they received it within 30 days, then the transfer can be go into the account past that past that which is what happened to me.

Kazza242

em_h said:

Kazza242 I think 'Rate guarantee?' under Skipton BS Cash ISA Saver (issue 19)  should be No (unless I've misunderstood - it's not a base rate tracker account)

Great list - thank you!

The Rate guarantee' was actually a legacy field.  I'd removed it from most of the other ISAs on the list, but must have forgotten this one.  All gone now.