Cash ISAs: The Best Currently Available List

RG2015

My Virgin Money easy access exclusive flexi ISA2 annual interest was paid on 29/12/2023.

goRt

pecunianonolet said:

Quite an interesting way to determine the rate imho.

Reasonably sure there was an account like that when rates used to be reasonable

pecunianonolet

Principality EA ISA 5.06% now NLA and replaced with slightly lower rate of 5.0% 

sparkiemalarkie

soulsaver said:

sparkiemalarkie said:

soulsaver said:

@sparkiemalarkie Have you checked your VM account? 

I've just had a look at my account and it all seems good...nothing has changed. Has something happened to yours?
sx

Yep - they made the transfer yesterday...
.. and applied early closure penalty! 

I'll be complaining... eventually.  

Have you had any update on your Virgin ISA transfer mess?

sx

soulsaver

sparkiemalarkie said:

soulsaver said:

sparkiemalarkie said:

soulsaver said:

@sparkiemalarkie Have you checked your VM account? 

I've just had a look at my account and it all seems good...nothing has changed. Has something happened to yours?
sx

Yep - they made the transfer yesterday...
.. and applied early closure penalty! 

I'll be complaining... eventually.  

Have you had any update on your Virgin ISA transfer mess?

sx

On Tuesday their CS admitted they could see I'd asked for transfer at maturity (Jan 31). Good start.

They promised to phone back, latest next day and pointed out a possible solution - which would mean I was better off than if I waited for maturity date.

Ok, that's 'good' so far.

But they didn't phone back.

Nor Thursday.

And they haven't corrected the error or repaid the early closure fee. 

So I phoned again Friday: 20 minutes on hold. CS said they'd ask the team. Another 10 minutes of hold music and they cut off the call.

Impressed? I didn't think so.

I subsequently submitted a complaint on line via the chat on Friday. 

This is not my first brush with VMs (Post Office like) service, and it is the same sort of poor service I experienced in the past with queries:

They drag their feet for ever hoping you don't go formal and tire your resolve. They'll usually find an argument, that ends with a miserly offer and 'If you can show you incurred more costs then we'll look at it again...'



Ed

soulsaver

 Virgin Money (still)

Just to be aware - If you've chosen to submit a complaint via the 'Chat' route (to avoid the call holding and the potential for a frustrating cut off) VM issue a complaint reference in the chat .

I asked if a transcript of the chat is emailed or saved.
They said it will be (only) in the letter acknowledging the complaint.

So best make a note of complaint reference, other wise when their letter possibly get's 'lost in the post' and/or  'we have no trace...' you'll not be starting the clock ticking all over again.

I took screen dumps (& photos) of the chat as it went along.

sparkiemalarkie

soulsaver said:

 Virgin Money (still)

Just to be aware - If you've chosen to submit a complaint via the 'Chat' route (to avoid the call holding and the potential for a frustrating cut off) VM issue a complaint reference in the chat .

I asked if a transcript of the chat is emailed or saved.
They said it will be (only) in the letter acknowledging the complaint.

So best make a note of complaint reference, other wise when their letter possibly get's 'lost in the post' and/or  'we have no trace...' you'll not be starting the clock ticking all over again.

I took screen dumps (& photos) of the chat as it went along.

Gosh it's exhausting for you!

My money is still in the fixed rate ISA but I'm anticipating problems so wondering if I need a contingency plan.
I have an Exclusive Fixed ISA 9 open @ 5.5% but it's unfunded and probably past the funding window or do I open the Fixed ISA 10 @ 5.25% in case everything goes pear shaped ?......

sx

soulsaver

Don't worry, I don't find it exhausting, I've been in commercial contract compliance all my adult life; I just do it by the numbers. 

I'd guess your's will be OK, but if your worried....

You could phone them and check that it's recorded correctly and get the transfer reference while you're there.

If you remain unsure you could apply for their latest fixed ISA as a fall back and not fund it. It'll be available at 31st for sure because its still on sale now and it's another VM fix with 30 days from off sale date. CASH ISAs | Virgin Money UK. Then if the 4 to 7 doesn't work you'll have maybe the 4->9 or for sure the matured 4->10.

What date did Iss 9 go off sale?

Qyburn

Zopa still listed here as not accepting transfers in. Has someone tried it and found it doesn't work?

refluxer

Qyburn said:

Zopa still listed here as not accepting transfers in. Has someone tried it and found it doesn't work?

They do now accept transfers in - the MSE info is out of date.

https://www.zopa.com/help/article/can-i-transfer-an-isa-with-another-provider-into-my-smart-isa