Cash ISAs: The Best Currently Available List

pecunianonolet

subjecttocontract said:

That makes the Metro Bank 1 year fixed ISA @ 5.71% the market leader.

Just very much discrimination to those a bit further up north as there are no branches at all. My next one is "just" a short ride of ca 225 miles away....

If they really need to raise enough liquidity they would not leave out half the country. 

subjecttocontract

It's not good for people up north and as far as I can make out you can't open anything online or by phone.
However, I would imagine they are opening a lot of extra accounts since they decided to elevate themselves to the top of the best paying accounts list. On the basis of my experience they are struggling to cope with the extra business. Without an appointment be prepared for quite a long wait in branch.

dlevene

Am also miffed by Moneybox's snub - also keen to switch to a flexible ISA as about to make a substantial withdrawal. 

Was previously on the fence about switching to Gatehouse - found the process very irritating, posted forms, etc - but given the above decided to go ahead and switch to Metro.

Went into the Manchester branch which is very easy for me to get to, and was a fair amount of faff but all set.

RG2015

RG2015 said:

The Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 7 at 5.85% has been replaced by Issue 8 at 5.65%.

The clock is now ticking for the 30 day window to fund an already open account.

Just received a text from VM saying I have until 5:00 pm on 23 Dec to add money to this account. It is good that these exclusive accounts are on the VM current account platform as transfers from the current account are 100% instantaneous.

Rich2808

RG2015 said:

RG2015 said:

The Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 7 at 5.85% has been replaced by Issue 8 at 5.65%.

The clock is now ticking for the 30 day window to fund an already open account.

Just received a text from VM saying I have until 5:00 pm on 23 Dec to add money to this account. It is good that these exclusive accounts are on the VM current account platform as transfers from the current account are 100% instantaneous.

I am assuming this 30 days extra to add funds post the account closing for new applications applies on an issue basis - so 23 December applies to issue 7 (i.e. 30 days from today).

I have an issue 6 which I opened in late October - does anyone remember when that closed to new applicants? Am I still within the 30 day window? 

Also is the 30 days period based on when the funds reach your account - or when Virgin receive the transfer form/request? The terms say this - but do they allow time for isa transfers to happen?

"You can pay money into your ISA as soon as it's opened, right up until 30 days after we stop selling this account."

I know transfers have to be done by post - post opening - or in a branch. Might be a good excuse for me to visit their VM London Haymarket branch - which closes its doors on Wednesday for good (the final London branch to close if I recollect?). I remember when they did free tea/coffee and biscuits - those were the days!

RG2015

Rich2808 said:

RG2015 said:

RG2015 said:

The Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 7 at 5.85% has been replaced by Issue 8 at 5.65%.

The clock is now ticking for the 30 day window to fund an already open account.

Just received a text from VM saying I have until 5:00 pm on 23 Dec to add money to this account. It is good that these exclusive accounts are on the VM current account platform as transfers from the current account are 100% instantaneous.

I am assuming this 30 days extra to add funds post the account closing for new applications applies on an issue basis - so 23 December applies to issue 7 (i.e. 30 days from today).

I have an issue 6 which I opened in late October - does anyone remember when that closed to new applicants? Am I still within the 30 day window? 

Also is the 30 days period based on when the funds reach your account - or when Virgin receive the transfer form/request? The terms say this - but do they allow time for isa transfers to happen?

"You can pay money into your ISA as soon as it's opened, right up until 30 days after we stop selling this account."

I know transfers have to be done by post - post opening - or in a branch. Might be a good excuse for me to visit their VM London Haymarket branch - which closes its doors on Wednesday for good (the final London branch to close if I recollect?). I remember when they did free tea/coffee and biscuits - those were the days!

You can find the dates on the link below.

https://uk.virginmoney.com/savings/helpful-information/find-your-interest-rate/

Issue 6 was withdrawn on 01/11/2023.

Therefore I would assume you could fund it up to 5:00 pm on either 30/11/2023 or 01/12/2023. I would have thought you would have had a text on 2nd November giving details.

RG2015

Rich2808 said:j

RG2015 said:

RG2015 said:

The Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 7 at 5.85% has been replaced by Issue 8 at 5.65%.

The clock is now ticking for the 30 day window to fund an already open account.

Just received a text from VM saying I have until 5:00 pm on 23 Dec to add money to this account. It is good that these exclusive accounts are on the VM current account platform as transfers from the current account are 100% instantaneous.

I know transfers have to be done by post - post opening - or in a branch. Might be a good excuse for me to visit their VM London Haymarket branch - which closes its doors on Wednesday for good (the final London branch to close if I recollect?). I remember when they did free tea/coffee and biscuits - those were the days!

Oh yes, Virgin Money lounges. They shut them all down shortly after I signed up. They used a Face ID camera to identify authorised members as they walked in.

Rich2808

qbadger said:

01/12/23 5pm for issue 6.

Thanks for opening a Virgin Money Fixed Rate Cash ISA Exclusive Issue 6. Please note, you can only add money until 5pm on 01/12/2023. For details on how to do this go to https://virg.in/pay-in. Please don't reply to this message.

Thanks - I never got a text or email from Virgin about this - even though they have my phone number and email!

I see the website states this

You have until 30 days from the date we stop selling this account to request the transfer.

Also does anyone have experience of handing over paper ISA transfer forms in a VM branch - would simply having handed over the form in a branch be sufficient in terms of meeting the deadline as long as you got a receipt?  

sparkiemalarkie

Rich2808 said:

qbadger said:

01/12/23 5pm for issue 6.

Thanks for opening a Virgin Money Fixed Rate Cash ISA Exclusive Issue 6. Please note, you can only add money until 5pm on 01/12/2023. For details on how to do this go to https://virg.in/pay-in. Please don't reply to this message.

Thanks - I never got a text or email from Virgin about this - even though they have my phone number and email!

I see the website states this

You have until 30 days from the date we stop selling this account to request the transfer.

Also does anyone have experience of handing over paper ISA transfer forms in a VM branch - would simply having handed over the form in a branch be sufficient in terms of meeting the deadline as long as you got a receipt?  

I've handed completed transfer forms in at my local Virgin Money Branch and asked them to scan a copy and email it to the ISA department. My transfers have always been completed within a couple of days.
It's well worth a visit if you want to meet the deadline
HTH

sx

duckson

Does anyone know how to directly fund (via a monthly standing order) the Zopa Smart ISA? It doesnt have an account number as such and it seems any money funded goes into the 'Primary pot' first.