Cash ISAs: The Best Currently Available List

Bigwheels1111

uk1 said:

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 …

I have 5 and 7 year fixed savings with annual payout for income.
Two fixed rate 3y isa’s for emergency cash, I can get 10k for £182.46.
Only matters if I need cash in an emergency, as of November I won’t need the emergency fund as will have enough to start a new fund. Around and around it goes.

jpsman

Just curious: do most of you have your ISA (ie tax-free) interest paid out, or do you keep it in to 'stack' your ISA allowance? And if you have it paid out, is this mainly for the income, or so you can use it to fund other accounts?

kev1744

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.

nope...its not on my screen. i log on, my accounts are all there....to find the new isa i have to click products at the top...search for the isa, click on it that forces me to a new log on screen which is completely different log in details...different customer id, different password etc. then i can apply for it.
i think issue is i was a yorkshire bank customer previously and virgin for some reason havent yet amalgamated all the log ins for the banks they took over. i had same issue previously where it was explained to me that although i was a virgin money customer...i wasnt ...i was in fact a yorkshire bank/virgin customer and the two different sectors wouldnt speak to each other.
virgin seems to have done half a job...again

Bigwheels1111

kev1744 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.

nope...its not on my screen. i log on, my accounts are all there....to find the new isa i have to click products at the top...search for the isa, click on it that forces me to a new log on screen which is completely different log in details...different customer id, different password etc. then i can apply for it.
i think issue is i was a yorkshire bank customer previously and virgin for some reason havent yet amalgamated all the log ins for the banks they took over. i had same issue previously where it was explained to me that although i was a virgin money customer...i wasnt ...i was in fact a yorkshire bank/virgin customer and the two different sectors wouldnt speak to each other.
virgin seems to have done half a job...again

Do you have an 08 login.
That is the procedure for me.

kev1744

its an 05 account which i think is the issue as 05 is yorkshire bank part of virgin ...the new isa is part of 08 log in which i think is part of virgin or clysdale......my log in page looks like this... and it means that if i log into the 05 account....i then have to also log into the 08 account to check both. ive applied for the new isa...but they say im a new customer on the 08 and as such the transfer of isa from my virgin money  (05) to  virgin money (08) is an external transfer....oh joy

polymaff

Bigwheels is right.  Virgin and Yorkshire still seem to have different systems and the page he displays seems to be the only one which lets you choose which of the two sub-sites you want to use.

A real nuisance.

kev1744

polymaff said:

Bigwheels is right.  Virgin and Yorkshire still seem to have different systems and the page he displays seems to be the only one which lets you choose which of the two sub-sites you want to use.

A real nuisance.

yes thats what i said...its a pain really as its like im banking with 2 different banks who have the same name

sheslookinhot

Can we keep this thread to comments about best Cash ISA’s currently available rather than spurious comments about logging in to accounts etc

kev1744

apologies my fault

2010

I think if people are giving informative comments regarding ISA accounts it`s acceptable for them to do so.
Previously I asked about the Virgin shuffle and how to go about it and received two helpful replies which were appreciated.

If someone wants a Best Cash ISA no chat thread, they are perfectly entitled to open one.