Cash ISAs: The Best Currently Available List

dlevene

A mini-flurry of top rate EA ISAs as we hit the mid-point between BoE meetings:

Cynergy 4.55%
Virgin 4.51%
Chorley Double Access 4.5%

I'm holding out for this 4.65% from Moneybox - after I pressed the customer service rep a bit she said most existing customers should have it available by COP Monday....

2010

Cynergy EA ISA 4.55%

You can transfer your existing cash ISA with another provider into a Cynergy Online ISA that subscribes to the BACS Electronic ISA transfer Service. The providers subscribed to the service:

• AA
• OneFamily (including Post Office ISAs and AA online ISAs)
• Abundance Investment Ltd
• Adam & Co Investment Management Ltd
• Aldermore plc
• Ascentric
• Bath Investment Building Society
• Bank of Scotland
• Barclays Bank plc
• Birmingham Midshires plc
• Brent Shrine Credit Union Ltd (My Community Bank)
• Britannia
• Charter Court Financial Services
• Chelsea Building Society
• Cheltenham & Gloucester
• Chorley & District Building Society
• Close Brothers Limited
• Clydesdale Bank
• Co-operative Bank plc (and trading as Smile)
• Coutts & Co
• Coventry Building Society
• Cumberland Building Society
• Danske Bank (Northern Bank Limited)
• Darlington Building Society
• FCE Bank plc - Ford Money
• First Direct
• First Trust Bank
• Furness Building Society
• Gatehouse Bank PLC
• Halifax plc
• Hampshire Trust Bank  (452789)
• Hargreaves Lansdown Asset Ltd
• HL Savings
• HSBC Bank plc
• HSBC Bank plc - Global Investment Centre (GIC)
• HSBC Bank plc - InvestDirect and First Direct Sharedealing ISAs
• HSBC Private Bank (UK) Ltd
• HSBC Trust Co (UK) Ltd - Corporate
• HSBC Trust Co (UK) Ltd - Private Clients
• HSBC Trust Co (UK) Ltd - Retail
• Intelligent Finance
• Kent Reliance Banking Services
• Leeds Building Society
• Lloyds Bank plc
• M&S Bank
• Market Harborough Building Society
• National Westminster Bank plc
• Nationwide Building Society
• Newcastle Building Society
• Nottingham Building Society
• OakNorth Bank plc
• Paragon Bank Limited
• Post Office / One Family
• Progressive Building Society
• Royal Bank of Scotland plc
• SAGA
• Sainsbury's Bank
• Santander UK Plc
• Scottish Widows Bank plc
• Secure Trust Bank plc
• Shawbrook Bank
• Skipton Building Society
• St James Place Bank
• St James's Place Investment Administration
• Standard Life Savings Ltd
• State Bank of India
• Swansea Building Society
• Tesco Personal Finance plc
• TSB Bank PLC
• Ulster Bank Ltd
• United National Bank Limited
• United Trust Bank Ltd
• Virgin Money plc (formerly Northern Rock plc)
• West Bromwich BS (WeBSave)
• West Bromwich Building Society
• Yorkshire Bank
• Yorkshire Building Society

2010

dlevene said:

A mini-flurry of top rate EA ISAs as we hit the mid-point between BoE meetings:

Cynergy 4.55%
Virgin 4.51%
Chorley Double Access 4.5%

I'm holding out for this 4.65% from Moneybox - after I pressed the customer service rep a bit she said most existing customers should have it available by COP Monday....

I don`t get this Moneybox, they seem to just provide other providers savings accounts and at the moment with not very good rates.
Simple saver and all the rest are notice accounts.
You certainly wouldn`t be an existing customer with them for their savings rates!

Just wondering who`s going to provide the 4.65% ISA account for them.

dlevene

2010 said:

dlevene said:

A mini-flurry of top rate EA ISAs as we hit the mid-point between BoE meetings:

Cynergy 4.55%
Virgin 4.51%
Chorley Double Access 4.5%

I'm holding out for this 4.65% from Moneybox - after I pressed the customer service rep a bit she said most existing customers should have it available by COP Monday....

I don`t get this Moneybox, they seem to just provide other providers savings accounts and at the moment with not very good rates.
Simple saver and all the rest are notice accounts.
You certainly wouldn`t be an existing customer with them for their savings rates!

Just wondering who`s going to provide the 4.65% ISA account for them.

I just put £1 in the simple saver to count as an existing customer.

Tbh as long as they're above board, I'm not too bothered what their operating model or other rates are - 4.65% is a great product. 

Fwiw the screenshot provided earlier and the Key Features Document I downloaded suggest that it's an "in-house" account.

My experience of them when I had a LISA was very good. 

Frogletina

intalex said:

Virgin Money 1-year fix @ 5.80% AER

 

I opened the Virgin 5.61% Isa last week and I have now opened the 5.80 exclusive Isa. Does anyone know if I can cancel the first one and have the funds transferred to the new one? I've only put a small amount previous years funds in both. Will top up the exclusive ISA in 30 days with this years funds if I haven't found a better one.

2010

Frogletina said:

intalex said:

Virgin Money 1-year fix @ 5.80% AER

 

I opened the Virgin 5.61% Isa last week and I have now opened the 5.80 exclusive Isa. Does anyone know if I can cancel the first one and have the funds transferred to the new one? I've only put a small amount previous years funds in both. Will top up the exclusive ISA in 30 days with this years funds if I haven't found a better one.

You are within the 14 day cooling off period on the 5.61% and so you can transfer it into the 5.8% one.
Whether you can do it online yourself, I don`t know.
You may have to phone Virgin and ask them to do it.
Others on here may be able to advise how to do it yourself.

Frogletina

2010 said:

Frogletina said:

intalex said:

Virgin Money 1-year fix @ 5.80% AER

 

I opened the Virgin 5.61% Isa last week and I have now opened the 5.80 exclusive Isa. Does anyone know if I can cancel the first one and have the funds transferred to the new one? I've only put a small amount previous years funds in both. Will top up the exclusive ISA in 30 days with this years funds if I haven't found a better one.

You are within the 14 day cooling off period on the 5.61% and so you can transfer it into the 5.8% one.
Whether you can do it online yourself, I don`t know.
You may have to phone Virgin and ask them to do it.
Others on here may be able to advise how to do it yourself.

I was too late to ring today so will ring them tomorrow

Unfortunately I've had problems with Virgin transfers before. I can't wait until they integrate both parts of the business. One ISA is with the original Virgin Money, and the other is on the Yorkshire Bank side of Virgin. Last time I had a problem, no one I rang could deal both sides and kept giving me wrong information. 

MiserlyMartin

I have a theory about the latest top ISA rates 4.5 and 4.55% (Cynergy) which have appeared. They are just getting in before the BoE Sept 21st rate increase and will claw the margin back after the 21st by NOT increasing the rate to match for a long time. We've played this game of cat and mouse too many times now. Put it this way, I'd be surprised if they stay competitive by October

CooperSF

When did Virgin update their easy access exclusive ISA?

I’d normally receive an email update.

Kazza242

CooperSF said:

When did Virgin update their easy access exclusive ISA?

I’d normally receive an email update.

Virgin Money increased the interest rate on their Easy Access Cash ISA Exclusive (issue 2) to 4.51% on the 1st September 2023.