Cash ISAs: The Best Currently Available List

uk1

It feels like the Virgin shuffle party is over for the time being and those that played may look back and feel at least for once we did well.

DJSINGH

Given that the NatWest account will not be available after 9th/14th August, is it best to open it and just not fund it given the date money must be in is 1st September. If anything else comes along before then, then open that and pay into that one instead? That would be OK right?

drphila

DJSINGH said:

Given that the NatWest account will not be available after 9th/14th August, is it best to open it and just not fund it given the date money must be in is 1st September. If anything else comes along before then, then open that and pay into that one instead? That would be OK right?

Yes that would be fine, especially if you are an existing customer. But, as various other recent threads testify, it can be quite a palava opening it as a new customer and there's only 2 days left

happybagger

I gave up, palaver is understatement. keep getting a text asking me to verify my id on an app with a selfie, but I don't have a cameraphone.  The letter they promised with an alternative way of proving ID never materialised. A branch away from home told me I could go in with ID, when I went to a local branch they said "No."

I thought something near 5.9% would come up elsewhere and still think it might but I'd prefer 3 years anyway

roked

happybagger said:

I gave up, palaver is understatement. keep getting a text asking me to verify my id on an app with a selfie, but I don't have a cameraphone.  The letter they promised with an alternative way of proving ID never materialised. A branch away from home told me I could go in with ID, when I went to a local branch they said "No."

I thought something near 5.9% would come up elsewhere and still think it might but I'd prefer 3 years anyway

Can't you borrow a camera phone? or do you have a tablet e.g. IPAD with a working camera? its only the link they gave you that's needed, you dont actually have to be on the registered phone

2010

When I saw all the rigmarole for opening the Natwest ISA 5.7% with their app HooYu, I gave up.
If providers don`t make it easy to open an account, why bother.
Chase being another prime example where people even bought new phones to get the account.
Even then they only got the savings account by signing up to their current account.

Anyway their Natwest`s 5.7% 1yr fix ISA has been overtaken by Paragon at 5.75%.
No doubt after the next BoE rise rates will go higher.

wallofbeans

Hi All,

I have one ISA already (Virgin Money 1yr fixed Issue 560) with 20k in it, that is set to "mature" 24th April 2024. But I now have another 20k to put in an ISA. I'd prefer easy access - any advice?

I assume I can't get around the 60 days penalty if I move this one, even if into another Virgin Money ISA. There's an easy acess one they currently have at 4.25% for example..

2010

wallofbeans said:

Hi All,

I have one ISA already (Virgin Money 1yr fixed Issue 560) with 20k in it, that is set to "mature" 24th April 2024. But I now have another 20k to put in an ISA. I'd prefer easy access - any advice?

I assume I can't get around the 60 days penalty if I move this one, even if into another Virgin Money ISA. There's an easy acess one they currently have at 4.25% for example..

Afraid you can`t get round the penalty only within 14 days of funding.

Cynergy EA 4.4% Paragon has EA @ 4.35% and Charter @ 4.3%.

happybagger

roked said:

happybagger said:

I gave up, palaver is understatement. keep getting a text asking me to verify my id on an app with a selfie, but I don't have a cameraphone.  The letter they promised with an alternative way of proving ID never materialised. A branch away from home told me I could go in with ID, when I went to a local branch they said "No."

I thought something near 5.9% would come up elsewhere and still think it might but I'd prefer 3 years anyway

Can't you borrow a camera phone? or do you have a tablet e.g. IPAD with a working camera? its only the link they gave you that's needed, you dont actually have to be on the registered phone

I suppose they could have just sent the letter by post like they said was offered at the end of the application? Had they made it known it required selfies in addition to ID, I just wouldn't have bothered with the account application in the first place.

Would have been nice if I had been given consistent advice from branches regarding ID rather than wasting my time. I have the necessary ID for opening accounts anywhere else.

Let's also not forget that on two separate visits I was also given what now appears incorrect advice on the interest pre-start date. Of the staff I spoke to, one said she couldn't advise me what the rate would be as she wasn't "qualified to give financial advice", two others said there would be no interest until 4 Sept, despite what their information sheet states, and a fourth stated that interest would be paid until 4 Sept but at the rate of the "previous issue number". I kid you not.

It might be top rate, but all this hardly inspired confidence.

uk1

Virgin 1 year up to 5.76%.  Only a cup of tea but it nudges the clock!