Cash ISAs: The Best Currently Available List

doodlector

Charter Savings Bank - Easy Access Cash ISA - Issue 43
5.07%
Allows transfers in
Not Flexible
Min opening £5000

sheslookinhot

Leeds 3 Year Fixed ISA NLA

AlwaysLearnin

doodlector said:

Charter Savings Bank - Easy Access Cash ISA - Issue 43
5.07%
Allows transfers in
Flexible rules
Min opening £5000

I've got the iss 42 at a slightly lower rate.  Could anyone confirm, if I want to 'upgrade' is it as simple as opening an iss 43, then transfering funds between the two.  Seems to be the case from what I can see/have read, but I've never done it like that before (i.e. always used a more defined transfer process before, but seems different at Charter?).  Just want to check before pushing the button, as don't want to lose the ISA status by mistake...

Thanks

pecunianonolet

AlwaysLearnin said:

doodlector said:

Charter Savings Bank - Easy Access Cash ISA - Issue 43
5.07%
Allows transfers in
Flexible rules
Min opening £5000

I've got the iss 42 at a slightly lower rate.  Could anyone confirm, if I want to 'upgrade' is it as simple as opening an iss 43, then transfering funds between the two.  Seems to be the case from what I can see/have read, but I've never done it like that before (i.e. always used a more defined transfer process before, but seems different at Charter?).  Just want to check before pushing the button, as don't want to lose the ISA status by mistake...

Thanks

You should be able to do an internal transfer from the lower rate paying to the higher paying issue. I would give Charter a call to confirm and walk you through the process so you follow the correct procedure. 

Expotter

doodlector said:

Charter Savings Bank - Easy Access Cash ISA - Issue 43
5.07%
Allows transfers in
Flexible rules
Min opening £5000

One important correction to the above, this ISA is not flexible.
From their Key Product details:

• our Cash ISAs are not flexible ISAs - you cannot take money out of your Cash ISA and replace it in the same tax year, without it counting towards your annual ISA allowance

Pkman

Opened zopa isa. Transferred in isa from previously year from barclays. Completed with 48 hours. Very happy. 4% 1 year fixed to 5.08% EA

doodlector

Expotter said:

doodlector said:

Charter Savings Bank - Easy Access Cash ISA - Issue 43
5.07%
Allows transfers in
Flexible rules
Min opening £5000

One important correction to the above, this ISA is not flexible.
From their Key Product details:

• our Cash ISAs are not flexible ISAs - you cannot take money out of your Cash ISA and replace it in the same tax year, without it counting towards your annual ISA allowance

Thanks for pointing that out.   I've updated my original post.  I got it from moneyfacts and pretty sure it said flexible but doesn't now.  Maybe I misread or maybe they too have updated...

subjecttocontract

Pkman said:

Opened zopa isa. Transferred in isa from previously year from barclays. Completed with 48 hours. Very happy. 4% 1 year fixed to 5.08% EA

That's very quick and impressive for Barclays. You don't often read the words Barclays and impressive in the same sentence. I still wouldnt touch them with your bargepole.

Pkman

I open pricncikty isa at 5% as I already had RS with them. Thought i keep it together. And save me opening a new account with new company. Annoyingly they only accept paper copy of the transfer form. Which force me going with zopa. I was unsure how fast they will do the transfer as I heard they don't accept transfer in previously.

Zaul22

Why are ISAs going up? It feels like some sort of trick when the base rate is about to go down. Is it in preparation for the rule change when they will have to actually compete?