Cash ISAs: The Best Currently Available List

refluxer

spider42 said:

refluxer said:

Just a heads-up that the Paragon ISAs that have been withdrawn recently (the 1 year fixed rate at 5.75% and Double Access at 4.50%) are still available to existing customers. This is often the case when Paragon withdraw accounts.

Have you managed to open one? Just tried to open a Double Access as an existing saver, and whilst it initially appears to be available, when you click on the green "Apply now" button, the next page says

Sorry, this account is currently unavailable.

Don’t worry, we still have a great range of savings accounts and cash ISAs to help you reach your savings goals.

Ah, sorry - no I haven't. I'd seen them listed when logged in to online banking and presumed they would be. If they're not, then that's poor - if they're not available to existing customers either, then the option to apply should be removed for them too.

2010

Looks like Paragon have withdrawn those accounts.

Now available is an 18 month fixed ISA @ 5.75%.
Triple access ISA @ 4.25%.

gelato_cat

Chorley are increasing the rate on this one from 4.3% to 4.5% on 1st September:

Easy Access Cash ISA (2 Withdrawals) https://www.chorleybs.co.uk/saving/easy-access-cash-isa-2-withdrawals/

Info about other Chorley rate increases here:

https://www.chorleybs.co.uk/savings-rate-increase/

2010

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

bristolleedsfan

Paragon 3 year 5.20% down from 5.40%


Paragon 5 year 5.00% down from 5.20%

ConsistentlyLost

2010 said:

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

I can't decide whether now is the time to transfer away from my 18 month fix with Santander at 4.25% now that I've had it longer than the 120 day penalty I'd receive or not. Thoughts?

caveman38

ConsistentlyLost said:

2010 said:

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

I can't decide whether now is the time to transfer away from my 18 month fix with Santander at 4.25% now that I've had it longer than the 120 day penalty I'd receive or not. Thoughts?

I'd be interested to hear other answers, but. By my calculations, you'll lose that interest already earned, say £280 (assuming 20K invested). After transferrin you'd gain an extra 1.53% for a new 1 Year term, which you would earn an extra £306. Hardly worth it, I'd say.

SaveTheEuro

caveman38 said:

ConsistentlyLost said:

2010 said:

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

I can't decide whether now is the time to transfer away from my 18 month fix with Santander at 4.25% now that I've had it longer than the 120 day penalty I'd receive or not. Thoughts?

I'd be interested to hear other answers, but. By my calculations, you'll lose that interest already earned, say £280 (assuming 20K invested). After transferrin you'd gain an extra 1.53% for a new 1 Year term, which you would earn an extra £306. Hardly worth it, I'd say.

Recently, I helped someone make the switch from a Santander 18 month fix at 4.25%. We too calculated there would be a loss of about £280 of interest but were surprised to discover no penalty was imposed at all.

ConsistentlyLost

SaveTheEuro said:

caveman38 said:

ConsistentlyLost said:

2010 said:

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

I can't decide whether now is the time to transfer away from my 18 month fix with Santander at 4.25% now that I've had it longer than the 120 day penalty I'd receive or not. Thoughts?

I'd be interested to hear other answers, but. By my calculations, you'll lose that interest already earned, say £280 (assuming 20K invested). After transferrin you'd gain an extra 1.53% for a new 1 Year term, which you would earn an extra £306. Hardly worth it, I'd say.

Recently, I helped someone make the switch from a Santander 18 month fix at 4.25%. We too calculated there would be a loss of about £280 of interest but were surprised to discover no penalty was imposed at all.

Might be worth a go then perhaps...

drphila

SaveTheEuro said:

caveman38 said:

ConsistentlyLost said:

2010 said:

Top 1yr fix ISA 5.78% Shawbrook.

https://www.shawbrook.co.uk/direct/savings/personal-savings/cash-isas/1-year-isa/

I can't decide whether now is the time to transfer away from my 18 month fix with Santander at 4.25% now that I've had it longer than the 120 day penalty I'd receive or not. Thoughts?

I'd be interested to hear other answers, but. By my calculations, you'll lose that interest already earned, say £280 (assuming 20K invested). After transferrin you'd gain an extra 1.53% for a new 1 Year term, which you would earn an extra £306. Hardly worth it, I'd say.

Recently, I helped someone make the switch from a Santander 18 month fix at 4.25%. We too calculated there would be a loss of about £280 of interest but were surprised to discover no penalty was imposed at all.

I'm in the process of  transfering out of 18mth and 2yr Sant isas so if that's the case, well great.

Did they pay all the interest due or are they waiting till the opening anniversary since interest is paid annually? If not, will they not take the penalty charge out when it is paid?