Cash ISAs: The Best Currently Available List

pecunianonolet

Virgin Money 4.91% ISA, non flexible

Allows 3 withdrawals per calendar year, more details on the Virgin homepage.

Eirambler

Chorley join Moneybox in offering a 5% easy access ISA - just one withdrawal and annual interest though so Moneybox still looks the better offer.

https://www.chorleybs.co.uk/saving/41ar/

refluxer

Zopa have reduced their 2-5 year fixed ISA rates today which isn't too surprising as they've been at the top of those tables for a month or two and are still at the top despite the decreases, so there was obviously some room for manoeuvre.

2 years - 5.61% (from 5.66%)
3 years - 5.51% (from 5.61%)
4 years - 5.05% (from 5.26%... I think)
5 years - 5.05% (from 5.26%)

I opened the 3 year option at 5.61% recently (not yet funded though) as an insurance policy while I kept an eye on rates, but it does seem to be that the only way is down at the moment... for the longer fixes especially.

I made a post about their ISAs recently but it didn't generate any responses - I guess the fact that they don't currently accept transfers-in rules them out as an option for a lot of people.

Rich2808

Nationwide seem to have launched a couple of new fixed rate isas - paying 5.5% for one year and 5.6% for two years. A bit limited as they only allow one lump sum deposit though - but they are a portfolio/split ISA provider so you could invest in both (and other NW cash isas later) with your £20k allowance.

https://www.nationwide.co.uk/savings/fixed-rate-isa/

refluxer

Some recent fixed rate ISA changes - Virgin have increased their (open to all) 1 year fix to 5.75%, however the rest have been drops...

UBL have reduced their 1 year fix to 5.70%, meaning that OakNorth are now top of the 1 year table at 5.80%

Charter have withdrawn their 1 year fix (previously 5.78%)

Santander have reduced their 1 and 2 year fixes down to 5.25% and 5.10% respectively.

Paragon have reduced their (already fairly low) 2-5 year fixes (they now range from 4.75% to 5.25%)

2010

Rich2808 said:

Nationwide seem to have launched a couple of new fixed rate isas - paying 5.5% for one year and 5.6% for two years. A bit limited as they only allow one lump sum deposit though - but they are a portfolio/split ISA provider so you could invest in both (and other NW cash isas later) with your £20k allowance.

https://www.nationwide.co.uk/savings/fixed-rate-isa/

Hardly new, they`ve been out since at least the 27th July.

Rich2808

2010 said:

Rich2808 said:

Nationwide seem to have launched a couple of new fixed rate isas - paying 5.5% for one year and 5.6% for two years. A bit limited as they only allow one lump sum deposit though - but they are a portfolio/split ISA provider so you could invest in both (and other NW cash isas later) with your £20k allowance.

https://www.nationwide.co.uk/savings/fixed-rate-isa/

Hardly new, they`ve been out since at least the 27th July.

Sorry my mistake - its suddenly appearing in the best buy lists for 2 year fixed ISAs because better paying products have been withdrawn!! Hence me thinking it was new.

2010

Rich2808 said:

2010 said:

Rich2808 said:

Nationwide seem to have launched a couple of new fixed rate isas - paying 5.5% for one year and 5.6% for two years. A bit limited as they only allow one lump sum deposit though - but they are a portfolio/split ISA provider so you could invest in both (and other NW cash isas later) with your £20k allowance.

https://www.nationwide.co.uk/savings/fixed-rate-isa/

Hardly new, they`ve been out since at least the 27th July.

Sorry my mistake - its suddenly appearing in the best buy lists for 2 year fixed ISAs because better paying products have been withdrawn!! Hence me thinking it was new.

There`s that much going on with rates at the moment both up and down, it`s hard to keep track of it all.
Lucky we`ve got these savings threads to help us find our way through it.
The other thing is, some people may have missed NW`s ISA offering so it was well worth you posting again.

saverbynature

MDMD said:

I know Virgin CS can be hit or miss but Ive had my fastest ever ISA transfer with them, from applying for the ISA exclusive at 5.85% at 10:50 (was about to apply for Shawbrook 5.83% but saw it got pulled) the money was in the account from RBS at 13:32

You certainly seem to have done better transferring from RBS to Virgin rather than the other way round! My ISA transfer from Virgin to NatWest (part of RBS) back in August took 11 days!

pookey

Regarding the virgin 1 year fixed at 5.75%, how long do they give you to transfer in an ISA? I  wanted to leave it a few days in case something better comes along