Cash ISAs: The Best Currently Available List

intalex

Bigwheels1111 said:

intalex said:

Kazza242 said:

The Virgin Money Easy Access Cash ISA Exclusive (issue 2) interest rate has increased to 4.25% today.

No movement on the fixed rate ISAs though despite dropping in the rate tables, I wonder if this time they will allow more 14 day cooling off periods to lapse before acting...

I’ve waited until today to move mine, 5.5% to 5.55%.
This will get me to the boe rise in 2 weeks.
I expect rate to rise just beforehand, probably just after as well.
I can hope.

I've just followed suit and downgraded from 3y to 2y and reset the cooling off period...

Bigwheels1111

Just switched to 5.55% 3 year deal. Such a simple process.
I started on a 3y 5.2% three weeks ago I think it was.
Then 5.5% and now 5.55%. That’s 5.86% compounded over 3 year I think.
For 10 minutes work logging in and switching twice I’ve made £110 extra money if compounded.
Come on Virgin up those rates, Please.

pookey

Is there a separate thread for cash  ISAs that allow transfer in please? 

25_Years_On

pookey said:

Is there a separate thread for cash  ISAs that allow transfer in please? 

Use the Moneyfacts site and select ISA Transfer as the type and sort by rate order.

NotWhereIWantToBe

Bigwheels1111 said:

Just switched to 5.55% 3 year deal. Such a simple process.
I started on a 3y 5.2% three weeks ago I think it was.
Then 5.5% and now 5.55%. That’s 5.86% compounded over 3 year I think.
For 10 minutes work logging in and switching twice I’ve made £110 extra money if compounded.
Come on Virgin up those rates, Please.

@Bigwheels1111 Do you have any advice on how close to the 14 day window you can get for these ones ?
I am in the process of changing my mobile network so am porting my number over and can't access Virgin until it is completed. 
I believe I opened the ISA on the 10th July and first funded it on the 11th. 
I never know when to start and stop counting 

Bigwheels1111

NotWhereIWantToBe said:

Bigwheels1111 said:

Just switched to 5.55% 3 year deal. Such a simple process.
I started on a 3y 5.2% three weeks ago I think it was.
Then 5.5% and now 5.55%. That’s 5.86% compounded over 3 year I think.
For 10 minutes work logging in and switching twice I’ve made £110 extra money if compounded.
Come on Virgin up those rates, Please.

@Bigwheels1111 Do you have any advice on how close to the 14 day window you can get for these ones ?
I am in the process of changing my mobile network so am porting my number over and can't access Virgin until it is completed. 
I believe I opened the ISA on the 10th July and first funded it on the 11th. 
I never know when to start and stop counting 

I think from memory you get 14 days from funding. Not 100% sure.

You could try calling them and ask if they could make the move for you. Tell them about your phone issue.

pecunianonolet

Just did the calculation and my Virgin Exclusive ISA issue 5 with 4.25% is already in a position that taking the hit of 60 days interest would give me a better return of £19 with a rate of of 5.45% and £81 with a rate of 5.9%. The Virgin easy access exclusive ISA is at 4.25% so the same rate as the fix. Maturity is 29th March 2024. Playing the cooling off game for a while would also be an option to see if ISA rates jump to 6.x%

Keep it in and take the risk that rates will be similar or higher in March as they are now or go for security and lock in 5.9% now. Planning to use the funds for property end of 2024 or 2025 (depending on mortgage rates in Euro zone) so a 2y fix needs consideration.

Decisions, decisions....

CooperSF

Just had to call up Principality and cancel my ISA transfer from Virgin Money.

dlevene

Chorley Easy Access Cash ISA - 4.3%. 2 withdrawals without penalty. Allows transfers. Not flexible

https://www.chorleybs.co.uk/saving/easy-access-cash-isa-2-withdrawals/

dlevene

dlevene said:

dlevene said:

Allows transfers.

... I think! They're summary is slightly confusing as it first says:

"Available to eligible UK residents over the age of 16 only who ... Have not subscribed to another Cash ISA in the tax year"

But then it says:

"Current year subscriptions must be transferred in full"

So a bit unclear as to whether they accept transfers from existing Cash ISAs opened this tax year...