Cash ISAs: The Best Currently Available List

Rich2808

sparkiemalarkie said:

hamski said:

Just a heads up for anyone wanting to open an easy access account with Skipton, they do not allow partial withdrawals which is what I want to do to split an isa close to the £85000 protection limit

I have made several partial transfers from Skipton to other providers.

However, I was NOT allowed to do a partial ISA transfer from 1 Skipton ISA to a new Skipton ISA.

I wanted to have the both the Cash ISA tracker and the Bonus Cash ISA .... so I did a partial transfer to another provider and a transfer back into the new account.

It was a bit of a faff but was completed within 4 days.

HTH

sx

This is a workaround - but extremely inefficient and waste of both your and the Skipton's time (and even more so for the intermediary provider who gets the funds for just 3-4 days)!!

I have no idea why they don't allow partial transfers online between Skipton isas. Its not made very clear when you move the funds online - and you could easily shut an account you wish to keep in error.

Surely there must be a way for them to do this - so you can say move some of your prior year funds from an easy access to a fixed rate ISA? I have not come across this issue with anyone else - although I remember Coventry telling me you had to do internal transfers by phone and not online as it would be treated as a withdrawal not a transfer.

Wheres_My_Cashback

Coventry 4 Access Cash ISA now showing as 5.05% for new and existing customers - I'm sure it still said 4.90% yesterday.

Bobblehat

Wheres_My_Cashback said:

Coventry 4 Access Cash ISA now showing as 5.05% for new and existing customers - I'm sure it still said 4.90% yesterday.

I spotted this too ... and logged in to see that my interest (was 4.79% monthly, I think) has automatically increased to the same as the new issue (4.94%)! I can't remember Coventry doing that in the past .... but maybe that's just my failing memory!

(edit: corrected old rate to 4.79%)

r6mile

Once again very impressive from Coventry!

dc_scotland

2010 said:

Don`t forget Skipton EA ISA issue 15 at 4.9%.
No limit on the amount of withdrawals.

The Skipton Bonus Cash ISA Issue 15 has now been increased from 4.9% to 5%.
https://www.skipton.co.uk/savings/isas/bonus-cash-isa

Yellowman

dc_scotland said:

2010 said:

Don`t forget Skipton EA ISA issue 15 at 4.9%.
No limit on the amount of withdrawals.

The Skipton Bonus Cash ISA Issue 15 has now been increased from 4.9% to 5%.
https://www.skipton.co.uk/savings/isas/bonus-cash-isa

Only annual interest payments on this one.

katies_mum

Our Coventry accounts have changed to 5.05% were definitely showing as 4.90% last night, this is great as I thought we would have to open new ones and do transfers

refluxer

Charter now have the highest-paying (open to all) 1 year fixed rate cash ISA at 5.72%

But how they got there amused me this afternoon...

They actually relaunched it at 5.76% today (as still currently listed on moneyfacts at the time of posting this), then they must have noticed that Virgin had dropped their (open to all) 1 year rate from 5.75% down to 5.70% and so Charter then reduced theirs to 5.72% (to stay on top of the table, just ahead of Kent Reliance at 5.71%). I reckon that 5.76% Charter rate must have been available for a matter of hours

Of course these small rate tweaks don't make a big difference (we're talking £8/year on £20k for today's Charter drop), but it's interesting to see how different banks conduct their business.

SickGroove

Wheres_My_Cashback said:

Coventry 4 Access Cash ISA now showing as 5.05% for new and existing customers - I'm sure it still said 4.90% yesterday.

So, I've set my £80K Shawbrook fixed rate Cash ISA (which consists of all previous years ISA funds) to mature into their Easy Access Cash ISA Account Issue 25 next week...

Once funds are showing can I then apply for this one & request they transfer the whole £80K into this, while I decide where to split the £80K once the next interest rates meeting has taken place? 

pecunianonolet

refluxer said:

Charter now have the highest-paying (open to all) 1 year fixed rate cash ISA at 5.72%

But how they got there amused me this afternoon...

They actually relaunched it at 5.76% today (as still currently listed on moneyfacts at the time of posting this), then they must have noticed that Virgin had dropped their (open to all) 1 year rate from 5.75% down to 5.70% and so Charter then reduced theirs to 5.72% (to stay on top of the table, just ahead of Kent Reliance at 5.71%). I reckon that 5.76% Charter rate must have been available for a matter of hours

Of course these small rate tweaks don't make a big difference (we're talking £8/year on £20k for today's Charter drop), but it's interesting to see how different banks conduct their business.

Wanting to be top of the table, presumably for the weekend only, but not able to afford to keep the 0.04% and having to correct the rate within hours is a rather poor show imho. Guess they don't care because only a few rate tarts like us notice anyway.

Anyhow, guess we have reached the peak and it's down from here on with so many reductions across the board.