Cash ISAs: The Best Currently Available List

Eirambler

r6mile said:

Thanks a lot, yes the incentive I guess is not the 0.1% over Coventry but rather the fact it’s an unlimited flexible ISA, so could also replace my Newcastle BS tracker easy saver at 4.3%.

Wouldn't move for that at the moment - there will be unlimited access ISAs at that rate it higher within weeks I'd expect.

TiVo_Lad

jpsman said:

@refluxer The list you found, on an earlier thread, of places that do BACs ISA transfers is defo worth bearing in mind: https://www.cynergybank.co.uk/personal/cash-isa-fixed-variable-rate/cash-isa-transfers/

A long list and Principality not on it. Thanks, @refluxer

I recently did an ISA transfer from Cynergy to Shawbrook and that was very close to the 15-day transfer time, despite them both being on the list and the forms being done online (so no need to post anything). By the time the money got to Shawbrook, Coventry were offering a much better rate so it went on to them and took (IMMSMC) 3 days.

r6mile

Eirambler said:

r6mile said:

Thanks a lot, yes the incentive I guess is not the 0.1% over Coventry but rather the fact it’s an unlimited flexible ISA, so could also replace my Newcastle BS tracker easy saver at 4.3%.

Wouldn't move for that at the moment - there will be unlimited access ISAs at that rate it higher within weeks I'd expect.

Thank you that makes sense - will hold off I think!

Bigwheels1111

GlasgowExpat2 said:

rallycurve said:

soulsaver said:

Hal17 said:

I am in the process of receiving funds from my Vanguard S&S ISA into various cash Isas.

The Virgin Money account is very good in that you can upgrade to the latest version which is now showing 5.3% for a one year fix.

I am disappointed that Shawbrook have no such facility and their 14 day cooling off period is 14 days from when the account is opened, not when they received funds.

So stuck at 4.63% for the next 12 months with Shawbrook. Remember that S&S ISA transfers take longer and at this time when interest rates are changing quickly its a bit of a lottery.

Virgin upgrade? I must have missed that. From an earlier fix? At no cost?

Only free if within the 14 day cooling off period

Is the 14 day cooling period for Virgin after you’ve funded it. I opened it on Monday so if I don’t fund it until 7 August have I got a further 14 days if the rate increases?

Starts from the day it’s funded.
Plus you could switch to a 2 year isa on the last day, then back if a better deal appears.

kora_2

I bit the bullet and went for the Lyods fix at 5.5% (with the 0.05 customer bonus) for this year's allowance 

Now I need to decide if it will be worth transferring my Barclays 4% fix that I did in Jan. Any calculators out there that do the maths for you?

drsue_2

There's one on here
https://www.moneysavingexpert.com/savings/isa-switch-calc/

silvermum

Bigwheels1111 said:

GlasgowExpat2 said:

rallycurve said:

soulsaver said:

Hal17 said:

I am in the process of receiving funds from my Vanguard S&S ISA into various cash Isas.

The Virgin Money account is very good in that you can upgrade to the latest version which is now showing 5.3% for a one year fix.

I am disappointed that Shawbrook have no such facility and their 14 day cooling off period is 14 days from when the account is opened, not when they received funds.

So stuck at 4.63% for the next 12 months with Shawbrook. Remember that S&S ISA transfers take longer and at this time when interest rates are changing quickly its a bit of a lottery.

Virgin upgrade? I must have missed that. From an earlier fix? At no cost?

Only free if within the 14 day cooling off period

Is the 14 day cooling period for Virgin after you’ve funded it. I opened it on Monday so if I don’t fund it until 7 August have I got a further 14 days if the rate increases?

Starts from the day it’s funded.
Plus you could switch to a 2 year isa on the last day, then back if a better deal appears.

Is the switching between 1 and 2 year easily done online, or does it require lots of secure messages/ a phone call etc?

Catplan

bristolleedsfan said:

dlevene said:

Interesting. Presumably one needed to be a transfer and the other a new account?

Period of time that both YBS loyalty versions were available covered two different tax years.

If I remember correctly one was online, one was branch post, but they were available over both 22/23 and 23/24.

pookey

dlevene said:

pookey said:

wiseonesomeofthetime said:

dlevene said:

ForumUser7 said:

Principality Online ISA -> 4.20% ~ MoneyFacts

Nice. I'd made my peace with staying put with Coventry until the next BoE decision but good to see they're still creeping upwards.

Almost at parity with normal EA, which is great. Though I'm still salty about missing out on the YBS loyalty ISA which I think is now at 5%!

Yeah, that is the one account that has worked in my favour, for a change

Me too, so glad I managed to get 2 of them

How? One each across two financial years? 

One is online and one in branch. They were named as different issues so you could get both. I did one for the last tax year and one for this tax year so that I could get the maximum interest for 20k which has now gone up to 5% but it's NLA

Bigwheels1111

silvermum said:

Bigwheels1111 said:

GlasgowExpat2 said:

rallycurve said:

soulsaver said:

Hal17 said:

I am in the process of receiving funds from my Vanguard S&S ISA into various cash Isas.

The Virgin Money account is very good in that you can upgrade to the latest version which is now showing 5.3% for a one year fix.

I am disappointed that Shawbrook have no such facility and their 14 day cooling off period is 14 days from when the account is opened, not when they received funds.

So stuck at 4.63% for the next 12 months with Shawbrook. Remember that S&S ISA transfers take longer and at this time when interest rates are changing quickly its a bit of a lottery.

Virgin upgrade? I must have missed that. From an earlier fix? At no cost?

Only free if within the 14 day cooling off period

Is the 14 day cooling period for Virgin after you’ve funded it. I opened it on Monday so if I don’t fund it until 7 August have I got a further 14 days if the rate increases?

Starts from the day it’s funded.
Plus you could switch to a 2 year isa on the last day, then back if a better deal appears.

Is the switching between 1 and 2 year easily done online, or does it require lots of secure messages/ a phone call etc?

2 minute job.
login, then my account.
Scroll down open new savings account.
Select the isa.
Then there are 3 boxes to tick.
One is a box to select where to fund from.
That would be the old isa in the drop down.
click next and it’s done.
The next day the new rate will show on the account, plus any interest.