Cash ISAs: The Best Currently Available List

Kazza242

Cynergy Bank have launched Online ISA (issue 39), paying 4.25%

Minimum opening deposit £1.  

Further details about this ISA here.

sheslookinhot

Yorkshire BS e-ISA 4% no longer available.

Mr_blibby

Bigwheels1111 said:

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.

Looks like just changed rates again, but no 3 year product. 2 year at 5.61%

Bigwheels1111

Mr_blibby said:

Bigwheels1111 said:

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.

Looks like just changed rates again, but no 3 year product. 2 year at 5.61%

I noticed that about 10 mins ago.

I hope they add the 3 year isa soon.

I have until the 04/08/23 to move.

Fingers crossed.

kev1744

Bigwheels1111 said:

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.

strange, when i log into my virgin account i dont get any of those options...all i can do on the isa account is view my balance.

t1redmonkey

Looks like Virgin have made the decision to not compete with the Natwest/RBS rates, as they've ignored them and basically just moved their rates 0.01% up from the next highest ones (Secure Trust Bank 2 year at 5.60% and Shawbrook at 5.53%).

uk1

kev1744 said:

Bigwheels1111 said:

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.

strange, when i log into my virgin account i dont get any of those options...all i can do on the isa account is view my balance.

Login.  Page down to savings and then the new ISA is shown and available.  Select it and it takes a couple of minutes.  It takes me three minutes to do two ISAs.

Bigwheels1111

kev1744 said:

Bigwheels1111 said:

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.

strange, when i log into my virgin account i dont get any of those options...all i can do on the isa account is view my balance.

After you enter TEXT code the page shows your balance.

Scroll down

New savings, choose the one you want.

LoopySnooker

uk1 said:

kev1744 said:

Bigwheels1111 said:

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.

strange, when i log into my virgin account i dont get any of those options...all i can do on the isa account is view my balance.

Login.  Page down to savings and then the new ISA is shown and available.  Select it and it takes a couple of minutes.  It takes me three minutes to do two ISAs.

Just switched again back to the 2yr @ 5.61%. Partly for the better rate but also to reset the funding and cooling off period as I’m planning on using up this year’s allowance in the next few weeks.

uk1

LoopySnooker said:

uk1 said:

kev1744 said:

Bigwheels1111 said:

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.

strange, when i log into my virgin account i dont get any of those options...all i can do on the isa account is view my balance.

Login.  Page down to savings and then the new ISA is shown and available.  Select it and it takes a couple of minutes.  It takes me three minutes to do two ISAs.

Just switched again back to the 2yr @ 5.61%. Partly for the better rate but also to reset the funding and cooling off period as I’m planning on using up this year’s allowance in the next few weeks.

FWIW I’m uneasy about locking up liquidity for two years, even though there might almost certainly be future downside.  All of my liquidity is literally in cash bank accounts and bonds and my current average which includes non-interest accounts is just below 5% average.  My liquidity is for unexpecteds like healthcare, family needs etc and it’s pointless being a prisoner to good fortune rather than good fortune being the cause of stress it should be to release you from.  Cash should be the facility of stress reduction rather than the cause of it.    

We’re all different with differing circumstances, fears and aspirations.  Good like with your ISA’s …