Cash ISAs: The Best Currently Available List

doodlector

harz99 said:

Catplan said:

yes you can split previous years assuming provider allows partial transfers. No it’s not possible to split this years as current year contributions should stay together, new money in one cash isa.

I thought if the cash ISA provider offers a wrapper, you can hold more than one of their products within that wrapper? EG a fixed rate cash ISA and an easy access cash ISA, both for the same year.

Some ISA providers do allow you to split your current year allowance across different cash ISAs but this is still relatively rare. MSE explains it and lists some providers under point 6) of the Cash ISA need-to-knows on the following page

https://www.moneysavingexpert.com/savings/best-cash-isa/

Eirambler

pecunianonolet said:

refluxer said:

pecunianonolet said:

The question is what would you send them by post if there is no application form anywhere to find?

Why are you so desperate to open that account ? Zopa and Cynergy both have easy access cash ISAs paying slightly higher rates and with no withdrawal restrictions.

- Zopa does not allow transfer in
- Cynergy is not flexible and only allows transfer in during opening
- Skipton would be next on the list as flexible and allows transfer in but only interest at anniversary and interest includes a 1% bonus for 12 months

So Coventry was the best offering and I totally missed it and when I wanted to open this morning it was gone.

I have a Virgin 1y ISA maturing end of March and another 1y ISA maturing in April with Shawbrook. Shawbrook is current tax year funds so have my subscription for this tax year full. 

With Coventry I opened several of their 3,4,6 access savers over the last year and some never got used when rates moving up so quickly and they are sitting since months at 0 balance even if they say minimum balance is £1. So the hope was that by opening the Coventry ISA I could just let it sit there with 0 balance and as there are no restrictions with transfer in I could transfer in both of the above ISA's. The risk of the rate to be lowered for those having the account would be much less than gambling and waiting of what rates will be like in spring next year. 

Does that explain the desperation?

Would you not just go for the Virgin Online one instead? Very slightly higher rate at 5.06% and meets all the flexibility requirements noted above.

https://uk.virginmoney.com/savings/products/defined_access_cash_e_isa_issue_22/

pecunianonolet

Eirambler said:

pecunianonolet said:

refluxer said:

pecunianonolet said:

The question is what would you send them by post if there is no application form anywhere to find?

Why are you so desperate to open that account ? Zopa and Cynergy both have easy access cash ISAs paying slightly higher rates and with no withdrawal restrictions.

- Zopa does not allow transfer in
- Cynergy is not flexible and only allows transfer in during opening
- Skipton would be next on the list as flexible and allows transfer in but only interest at anniversary and interest includes a 1% bonus for 12 months

So Coventry was the best offering and I totally missed it and when I wanted to open this morning it was gone.

I have a Virgin 1y ISA maturing end of March and another 1y ISA maturing in April with Shawbrook. Shawbrook is current tax year funds so have my subscription for this tax year full. 

With Coventry I opened several of their 3,4,6 access savers over the last year and some never got used when rates moving up so quickly and they are sitting since months at 0 balance even if they say minimum balance is £1. So the hope was that by opening the Coventry ISA I could just let it sit there with 0 balance and as there are no restrictions with transfer in I could transfer in both of the above ISA's. The risk of the rate to be lowered for those having the account would be much less than gambling and waiting of what rates will be like in spring next year. 

Does that explain the desperation?

Would you not just go for the Virgin Online one instead? Very slightly higher rate at 5.06% and meets all the flexibility requirements noted above.

https://uk.virginmoney.com/savings/products/defined_access_cash_e_isa_issue_22/

The Defined Access cash ISA is not flexible, the Easy Access Cash ISA Exclusive is flexible, requires no opening balance and they give at least 2 months notice if they reduce the rate. Rate isn't too bad but far from the top. Might give it a go and open it as well as Skipton and see what happens and if the accounts get closed if I not put any funding in.  

frosch411

Not sure if already mentioned, but the Paragon double access issue listed under the Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in has been withdrawn, the link goes to a page confirming the account is no longer available.
Thanks

idb1979

I was planning to open a NatWest 1 Year Fixed Rate ISA, but now applications have opened back up the rate has dropped to 5.26% from 5.65%

https://www.natwest.com/savings/isa-overview/fixed-isa.html

cricidmuslibale

@Kazza242 and also for everyone else who may be interested:-

The Virgin Money exclusive c.1 year fixed rate Cash ISA issue 6 (maturity date 30/09/24) has now been replaced by another exclusive c.1 year fixed rate Cash ISA issue 7 (maturity date 29/11/24) again paying 5.85% AER tax free. As before, this is only available to Virgin Money current account holders.

Source: Moneyfactscompare.co.uk. Also now showing on the Virgin Money website.

pecunianonolet

Gatehouse increased their easy access ISA from 4.65% to 5.15%

Moneyfacts not updated yet.




https://gatehousebank.com/personal/savings/cash-isa/easy-access-cash-isa

Key product information: https://gatehousebank.com/downloads/Easy-Access-Cash-ISA-Account-Key-Product-Information.pdf

Qyburn

pecunianonolet said:

https://uk.virginmoney.com/savings/products/defined_access_cash_e_isa_issue_22/

The Defined Access cash ISA is not flexible, the Easy Access Cash ISA Exclusive is flexible,  

I think the Defined Access is by the "other" part of Virgin, when I was looking it said I'd have to apply as a new customer. So that probably means a different login.

SickGroove

pecunianonolet said:

Gatehouse increased their easy access ISA from 4.65% to 5.15%

Moneyfacts not updated yet.




https://gatehousebank.com/personal/savings/cash-isa/easy-access-cash-isa

Key product information: https://gatehousebank.com/downloads/Easy-Access-Cash-ISA-Account-Key-Product-Information.pdf

How easy is the application process? All online verification or posting docs required?

pecunianonolet

SickGroove said:

pecunianonolet said:

Gatehouse increased their easy access ISA from 4.65% to 5.15%

Moneyfacts not updated yet.




https://gatehousebank.com/personal/savings/cash-isa/easy-access-cash-isa

Key product information: https://gatehousebank.com/downloads/Easy-Access-Cash-ISA-Account-Key-Product-Information.pdf

How easy is the application process? All online verification or posting docs required?

All done online.