Cash ISAs: The Best Currently Available List

flobbalobbalob

Zaul22 said:

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?

Maybe they get a more stable deposit base with ISA's.

subjecttocontract

Which ISAs are going up ?.......I only see interest rates falling.

Zaul22

Kent, Charter and Paragon all recently increased. 

Well, just remembered Kent and Charter are actually the same bank so that part explains it. 

refluxer

Zaul22 said:

Kent, Charter and Paragon all recently increased. 

Well, just remembered Kent and Charter are actually the same bank so that part explains it. 

I think you might be mistaken about Paragon. I've been checking their ISA rates fairly regularly recently, as I had their Double Access Cash ISA and was looking for a better rate as it's been at 4.95% since last October. Their Triple Access ISA has also been on it's current rate for a long time and their fixed rate ISAs have been decreasing steadily since they peaked around July-September last year.

It's encouraging to see the other providers increasing their easy access ISA rates though but I fear it's bound to be short-lived !

akh43

Is there a calculator where I can check correct interest given on matured Barclays ISA where initial balance increased 2 further times within first month as I am not sure it is correct? I only know calculators for the whole year and its giving much more interest so want to double check first.

kjs31

My Metrobank ISA transfer finally hit my new fixed rate account. It took 30 working days instead of 15. The transaction date says 12th January. How can I ascertain that I have been earning interest on the money since 27th November when I applied for the transfer? 

Steve_xx

kjs31 said:

My Metrobank ISA transfer finally hit my new fixed rate account. It took 30 working days instead of 15. The transaction date says 12th January. How can I ascertain that I have been earning interest on the money since 27th November when I applied for the transfer? 

I initiated an ISA transfer in to Metro on 11 Dec. The monies left the vending bank, by cheque, apparently on 27 December. It's still not showing at Metro. I've written to their CEO for an explanation.

pecunianonolet

Email from Zopa



Link to information pack:
Smart ISA Bonus Savings Rate - Zopa

refluxer

kjs31 said:

My Metrobank ISA transfer finally hit my new fixed rate account. It took 30 working days instead of 15. The transaction date says 12th January. How can I ascertain that I have been earning interest on the money since 27th November when I applied for the transfer? 

Presuming that your transfer was carried out by post/cheque, the small building society I've just arranged an ISA transfer to in that way ensured there was no loss of interest by back-dating the date the money was credited to the new ISA to the date the funds left the sending bank (ie. the date of the cheque).

If Metro haven't back-dated the credit date in the same way and the amount credited is the same as the closing balance of the previous ISA (and they haven't made a small, addition payment upfront to cover interest earned during the transfer period), then it looks to me like you might have lost out ? 

What was the closing date of the old ISA ?

pecunianonolet

Metro EA ISA 5.11% now NLA and down to 4.51%