Cash ISAs: The Best Currently Available List

refluxer

JGal said:

ForumUser7 said:

https://www.express.co.uk/finance/personalfinance/1788188/Lloyds-Bank-Halifax-increase-interest-rates-savings-account

Surprisingly some table topping FRISAs to be realised in this article

BOS fixed cash ISAs:

You can open this account if:

• You haven't already saved in a cash ISA this tax year, unless you're going to complete an ISA transfer. You would need to transfer over all the money you saved in this tax year. This includes Help to Buy: ISAs and cash ISAs with other banks

This literally reads like I'd have transfer all my 2023-24 ISA money, which I can't as it's in another fixed rate account. Maybe this is saying if I wanted to transfer any 2023-24 money you have to transfer it all, but you don't have to transfer any of this year's money and can do part year's transfer prior to 2023-24.

Those are standard ISA T&C's. They're saying that if you've already paid into a cash ISA using money from your 2023-24 tax year allowance and want to open this one, then you'd have to transfer all of the 2023-24 tax year subscriptions from the existing ISA into it.

Dave1979

Opened the 1 year fix Secure Trust ISA. Said 5.05% on the application but 5.20% on the account online banking?

Eirambler

5.05% rate resulting in an AER of 5.2% presumably?

kipsterno1

Virgin have released their latest issues at 5.3%, 5.4% and 5.5% for the one, two and three year fixed rates.

Looks like another transfer!

bristolleedsfan

Dave1979 said:

Opened the 1 year fix Secure Trust ISA. Said 5.05% on the application but 5.20% on the account online banking?

5.30% now https://www.securetrustbank.com/savings/fixed-rate-cash-isas

t1redmonkey

kipsterno1 said:

Virgin have released their latest issues at 5.3%, 5.4% and 5.5% for the one, two and three year fixed rates.

Looks like another transfer!

Just in time; I think my cooling off period was going to end tomorrow so I've now transferred to the new rate

Bigwheels1111

t1redmonkey said:

kipsterno1 said:

Virgin have released their latest issues at 5.3%, 5.4% and 5.5% for the one, two and three year fixed rates.

Looks like another transfer!

Just in time; I think my cooling off period was going to end tomorrow so I've now transferred to the new rate

How did you move it, Online or phone.

Me too, on hold to get it moved now.

t1redmonkey

Bigwheels1111 said:

t1redmonkey said:

kipsterno1 said:

Virgin have released their latest issues at 5.3%, 5.4% and 5.5% for the one, two and three year fixed rates.

Looks like another transfer!

Just in time; I think my cooling off period was going to end tomorrow so I've now transferred to the new rate

How did you move it, Online or phone.

Me too, on hold to get it moved now.

Can do it online, only takes about 2 minutes.  Scroll down to bottom of the main page and there is a button that says something like 'View our savings range', click that.  Then follow steps afterwards.  There is a question somewhere in the process that asks if you want to fund it from an existing account so you just choose yes to that and select the account you're closing.

Bigwheels1111

t1redmonkey said:

Bigwheels1111 said:

t1redmonkey said:

kipsterno1 said:

Virgin have released their latest issues at 5.3%, 5.4% and 5.5% for the one, two and three year fixed rates.

Looks like another transfer!

Just in time; I think my cooling off period was going to end tomorrow so I've now transferred to the new rate

How did you move it, Online or phone.

Me too, on hold to get it moved now.

Can do it online, only takes about 2 minutes.  Scroll down to bottom of the main page and there is a button that says something like 'View our savings range', click that.  Then follow steps afterwards.  There is a question somewhere in the process that asks if you want to fund it from an existing account so you just choose yes to that and select the account you're closing.

Thanks that helped, all done.

tunde10

Opened the 3yr ISA 5.5% by renewing my current 5.2% one.

Also transferred across my 5.4% Coventry ISA i opened just last week.

It's not just the rate with Virgin, they have a very reasonable penalty of just 120 days compared to 180 days or more with others.