Cash ISAs: The Best Currently Available List

jpsman

vic_sf49 said:

I'm finding some of the Natwest info very strange, including all the funding dates/deadlines and those "tiered rates" that are paid at identical rates.... Just opened the 2 yr one though.

Yorkshire BS's Internet Saver account has three tiers, all identical. On their web page it states:

The rates we offer in the different tiers can vary and sometimes might be the same.

So with NatWest it's probably just because the tiered interest rates have been different in the past and they might vary them again in the future.

drphila

The RBS/NW 5.7/5.9% info sheets say:

"You can withdraw money from your account (in branch or by telephone) until 01 September 2023 at 3.30 pm".

Does anybody have any idea what this actually means, since ISA withdrawals (transfers) must be initiated by the destination provider with the unknown timescale for completion that this entails?

refluxer

drphila said:

The RBS/NW 5.7/5.9% info sheets say:

"You can withdraw money from your account (in branch or by telephone) until 01 September 2023 at 3.30 pm".

Does anybody have any idea what this actually means, since ISA withdrawals (transfers) must be initiated by the destination provider with the unknown timescale for completion that this entails?

In my experience of ISA T&Cs, banks tend to differentiate between withdrawals and transfers so I would imagine in this case that they're talking about withdrawing cash from the account, rather than doing a transfer to another ISA provider.

2010

Can someone who had a Virgin fixed rate ISA still in the 14 day cooling off period but then saw the rate had increased explain how to go about getting the new rate. Do you open another ISA at the new rate and transfer it yourself closing the old ISA or do you contact Virgin to do it for you?
I'm also assuming that because you're still inside the 14 day period, there are no penalties.

LoopySnooker

2010 said:

Can someone who had a Virgin fixed rate ISA still in the 14 day cooling off period but then saw the rate had increased explain how to go about getting the new rate. Do you open another ISA at the new rate and transfer it yourself closing the old ISA or do you contact Virgin to do it for you?
I'm also assuming that because you're still inside the 14 day period, there are no penalties.

Have a read of this post by @uk1, it’s on page 625 of this thread:

https://forums.moneysavingexpert.com/discussion/comment/80175012/#Comment_80175012

Bigwheels1111

2010 said:

Can someone who had a Virgin fixed rate ISA still in the 14 day cooling off period but then saw the rate had increased explain how to go about getting the new rate. Do you open another ISA at the new rate and transfer it yourself closing the old ISA or do you contact Virgin to do it for you?
I'm also assuming that because you're still inside the 14 day period, there are no penalties.

Login

my account

Scroll down

New savings

Isa 1,2,3 year with one you want

Tick boxes, NI number, Fund from old ISA.

Fund now, not needed just close page.

Login tomorrow and new rate plus any interest will be in the account.

Just in time for the BOE base rate rise, when you can do it again.

I call it the Virgin Shuffle.

2010

@LoopySnooker & @Bigwheels1111

Thanks for that, most useful.

I`m just wondering if other providers have to allow internal transfers within the cooling off period but don`t exactly make it as plain as Virgin money do.

Also what about external transfers within the period.

rallycurve

Cynergy online ISA 4.25%

Silverweed

Virgin Money - does anyone know please approx how long it is currently taking Virgin to process internal Isa transfers requested via secure message?   *(This was the route advised by them)* 

Bigwheels1111

Silverweed said:

Virgin Money - does anyone know please approx how long it is currently taking Virgin to process internal Isa transfers requested via secure message?   *(This was the route advised by them)* 

How what when where.  You Trust the idiots on the phone.
That’s so sweet.

Can you login to your isa account.
If Yes.

Login
On the screen that shows your balance, scroll down.
Select new savings account,
Select the isa account you want.
Tick boxes and your Ni number in.
Fund with old isa.
Done in less than 2 minutes.
I’ve switched 3 times in 3 weeks, 5.2% to 5.5% and noe 5.5%.
I aim to switch again once or twice in the next 2 weeks.
Because of boe base rate rises.