Cash ISAs: The Best Currently Available List

DJSINGH

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

2010

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

When does your current ISA mature?

DJSINGH

2010 said:

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

When does your current ISA mature?

October 1st.

2010

DJSINGH said:

2010 said:

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

DJSINGH said:

2010 said:

DJSINGH said:

The virgin 1yr 5.8% ISA. 
It says that funding is allowed anytime until the account is taken off market.
Would it be OK to open this now and not fund it until next month when my current fixed ISA matures? Would it be OK if I dont fund it at all?

Im thinking of opening it now incase its taken off market next month, but also waiting to see if a better one comes across after the BOE meeting. Would this approach make sense? 

I take it you do have a current account with Virgin as this is an exclusive ISA at 5.8%.

You can open it and just sit with it until your current ISA matures. (Is it with Virgin?)
Here is the key sentence from the T&C, which you seem to have missed:

 You can pay money into your ISA as soon as it’s opened, right up until 30 days after we stop selling this account. After that you can’t pay in any more money. 

Or you don`t have to fund it at all, you can just let it expire.

Thanks. I have just opened an M so I can open the exclusive ISA. My current fixed ISA is not Virgin. Yeah I saw that but we dont know what date they will stop selling the account? 

When does your current ISA mature?

October 1st.

That`s inside the 30 days so you can open one now and during the application ask Virgin to transfer it when it matures.

2010

Charter have withdrawn their 2 yr fixed ISA @ 5.8%.

2010

Just noticed Virgin Money1 Year Fixed Rate Cash ISA Exclusive Issue 6 has gone to 5.85%.
Top of the table now.

2010

2010 said:

A._Badger said:

As far as I can see, Paragon had closed its 2 year fixed ISA at least as early as yesterday afternoon, when I was just about to apply for it. 

They have an 18 month fixed ISA for 5.82%.

This has now gone to existing customers only.

A._Badger

2010 said:

A._Badger said:

As far as I can see, Paragon had closed its 2 year fixed ISA at least as early as yesterday afternoon, when I was just about to apply for it. 

They have an 18 month fixed ISA for 5.82%.

Thanks. I did spot that but opted instead for Charter's 2 year at 5.80% for a transfer from a maturing Virgin ISA. I may well be wrong but I felt it wise to have some money at the current rates for a couple of years in case returns begin to drop again. I note that Charter has now withdrawn this fix, so I'm pleased to have just sneaked in beforehand.

duckson

2010 said:

Cynergy have gone to 4.7% easy access ISA.
Things are warming up ready for the BoE increase next week.
4.8% + can`t be far away.

My wife opened an ISA with Cynergy a few weeks ago, does anyone know if they automatically transfer you to the higher rate or do you have to ask or even apply for another ISA and transfer the old one over?

refluxer

duckson said:

2010 said:

Cynergy have gone to 4.7% easy access ISA.
Things are warming up ready for the BoE increase next week.
4.8% + can`t be far away.

My wife opened an ISA with Cynergy a few weeks ago, does anyone know if they automatically transfer you to the higher rate or do you have to ask or even apply for another ISA and transfer the old one over?

I'd depends whether they've increased the rate of the current issue or released a new one. Check what the current issue number is - if it's different to your wife's issue number and they haven't applied the rate increase to older issues, then she'll have to apply/ask for an upgrade.

I don't have a Cynergy ISA myself so can't comment on the exact process but, with other banks, if there isn't an option to upgrade the account in online banking then it would normally be done via secure message.