Cash ISAs: The Best Currently Available List

bristolleedsfan

UNITED TRUST BANK

These rates appear to only currently apply to existing customers/previous customers who still have valid online login credentials.

Only get to see these rates when click on new application when logged in.

14 days to fund new money, transfer in applications get made at time of account application.

drphila

bristolleedsfan said:

UNITED TRUST BANK

These rates appear to only currently apply to existing customers/previous customers who still have valid online login credentials.

Only get to see these rates when click on new application when logged in.

14 days to fund new money, transfer in applications get made at time of account application.

Thanks for this. 3yr rate beats current market leader (Zopa 5.56%)

Interesting small uptake between the 7 year and 5 year rates, contrary, to my understanding, of money market predictions.

refluxer

Shawbrook have increased the rate of their 1 Year Fixed Rate Cash ISA to 5.71%, knocking NatWest and RBS off the top spot by a tiny margin.

They've also increased their Easy Access Cash ISA to 4.33% (the current issue is 25 - not sure whether this has been applied to previous issues).

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/?

Mr_blibby

Bigwheels1111 said:

Sticking with my 3 year Virgin ISA.
I have until next Friday to decide.
I like the rate and 3 years, also the 120 penalty is very good also.

Virgins 2 year option also now withdrawn - 1 year up to 5.71%... maybe waiting for Thursday BoE guidance about future rates...Decided to move couple of EA ISAs to 3year+ fixed whilst still have a few options - prefer the longer term certainty and as its the tax free part of my portfolio - decided not chase a small uplift for a 1 year product and potentially have a much lower rate down the line 

Bigwheels1111

Mr_blibby said:

Bigwheels1111 said:

Sticking with my 3 year Virgin ISA.
I have until next Friday to decide.
I like the rate and 3 years, also the 120 penalty is very good also.

Virgins 2 year option also now withdrawn - 1 year up to 5.71%... maybe waiting for Thursday BoE guidance about future rates...Decided to move couple of EA ISAs to 3year+ fixed whilst still have a few options - prefer the longer term certainty and as its tax free for me - decided not chase a small uplift for a 1 year product and potentially have a much lower rate down the line

I have stuck with the 3y 5.55% isa.

But I have until Friday I think as that will be day 14.

£1759.11 will be a nice payout after 3 years, as 2 years ago I did not get that on 76K for 18 monthes.

I think it was 0.5%.

Mr_blibby

Bigwheels1111 said:

Mr_blibby said:

Bigwheels1111 said:

Sticking with my 3 year Virgin ISA.
I have until next Friday to decide.
I like the rate and 3 years, also the 120 penalty is very good also.

Virgins 2 year option also now withdrawn - 1 year up to 5.71%... maybe waiting for Thursday BoE guidance about future rates...Decided to move couple of EA ISAs to 3year+ fixed whilst still have a few options - prefer the longer term certainty and as its tax free for me - decided not chase a small uplift for a 1 year product and potentially have a much lower rate down the line

I have stuck with the 3y 5.55% isa.

But I have until Friday I think as that will be day 14.

£1759.11 will be a nice payout after 3 years, as 2 years ago I did not get that on 76K for 18 monthes.

I think it was 0.5%.

Think that's a good call - I swapped from their 3 year to 2 year product trying to be too smart and thinking I would switch back to the 3 year one within the 14 days, but after the confirmation of the BoE rate rise and maybe a higher rate.....wished I'd stuck at 3 year at 5.55%... Ah well, better problems to have than getting 0.5% !

gele

I'm in the market for an ISA and think the Shawbrook fixed ISAs allow payments in throughout the tax year up to the 20k limit. If that's the case that would suit me as I have just under half the allowance to add now and will have just over half in Sept. Could anyone confirm? The 2 and 3 yr seem just short of best rates but the pay in option is a benefit.

pecunianonolet

gele said:

I'm in the market for an ISA and think the Shawbrook fixed ISAs allow payments in throughout the tax year up to the 20k limit. If that's the case that would suit me as I have just under half the allowance to add now and will have just over half in Sept. Could anyone confirm? The 2 and 3 yr seem just short of best rates but the pay in option is a benefit.

Yes, you can add as many times during the term. You can basically put the 10k in you have now and the rest could be a monthly deposit or as you have funds available. You can essentially treat it as a regular saver with a max funding level of 20k without monthly funding restrictions. 

uk1

Mr_blibby said:

Bigwheels1111 said:

Mr_blibby said:

Bigwheels1111 said:

Sticking with my 3 year Virgin ISA.
I have until next Friday to decide.
I like the rate and 3 years, also the 120 penalty is very good also.

Virgins 2 year option also now withdrawn - 1 year up to 5.71%... maybe waiting for Thursday BoE guidance about future rates...Decided to move couple of EA ISAs to 3year+ fixed whilst still have a few options - prefer the longer term certainty and as its tax free for me - decided not chase a small uplift for a 1 year product and potentially have a much lower rate down the line

I have stuck with the 3y 5.55% isa.

But I have until Friday I think as that will be day 14.

£1759.11 will be a nice payout after 3 years, as 2 years ago I did not get that on 76K for 18 monthes.

I think it was 0.5%.

Think that's a good call - I swapped from their 3 year to 2 year product trying to be too smart and thinking I would switch back to the 3 year one within the 14 days, but after the confirmation of the BoE rate rise and maybe a higher rate.....wished I'd stuck at 3 year at 5.55%... Ah well, better problems to have than getting 0.5% !

I have just moved the 2 ISAs to the new 1 year.  

I think you shouldn’t over-fret.

 I think the removal of the longer options is only temporary until the base rate review and if you have enough of your 14 day grace period left then you might /should see them reappear in the next day or so.  Your difficult decision is whether you should move to the 1 year to nudge the 14 day or stick.  Good luck 

gele

Thanks for confirming this. It's definitely going on my shortlist. My other option is to wait til the end of Sept to put the full allowance in a different one. Its whether rates then will be the same, better or worse and the answer to that no one quite knows. The next 48hrs may give us a clue.