Cash ISAs: The Best Currently Available List

Zaul22

I don't think that's a typo from Chip, they have changed the tracking rate as it definitely was 0.6 before. It has gone from garbage to great but the speed of the change suggests they could change it back to garbage again on a whim. 

Shedman

doodlector said:

Looks like VM fixed rates ISA Exclusive has been upped to issue 11.  Maturing 31.3.25 and still 5.25%

I've had a message to say last deposits to the issue 10 are by 30.3.24

Hopefully this will stay open until past 5 April so next years allowance can go in.  They'd have to give notice of it going off sale (hence the 30 day countdown starting) in next few days .otherwise. 

AmityNeon

Shedman said:

doodlector said:

Looks like VM fixed rates ISA Exclusive has been upped to issue 11. Maturing 31.3.25 and still 5.25%

I've had a message to say last deposits to the issue 10 are by 30.3.24

Hopefully this will stay open until past 5 April so next years allowance can go in. They'd have to give notice of it going off sale (hence the 30 day countdown starting) in next few days .otherwise.

Issue 11 only has to remain on offer until 7th March, in which case the last date of funding would be 6th April, allowing for next year's allowance to be deposited.

Issue 11 was available yesterday, which means Issue 10 has been given at least an extra day's funding (31 instead of 30).

pecunianonolet

My fix with Virgin matures on the 31st, funding allowed until the 30th. Guess I have to open issue 11 now and let issue 10 lapse

soulsaver

pecunianonolet said:

My fix with Virgin matures on the 31st, funding allowed until the 30th. Guess I have to open issue 11 now and let issue 10 lapse

Is that a problem? There are options you can use to extend the 'funding' period in Iss10 but not sure you'd gain anything over Iss11?

Aidanmc

Regarding West Brom Websave 60 day notice ISA 5.1%, can transfers in from another provider be done online or is it paper form?

Malchester

Aidanmc said:

Regarding West Brom Websave 60 day notice ISA 5.1%, can transfers in from another provider be done online or is it paper form?

Yes, on line. I opened one a few months ago, all done online. They were very speedy and transfer in was quick.

Aidanmc

Malchester said:

Aidanmc said:

Regarding West Brom Websave 60 day notice ISA 5.1%, can transfers in from another provider be done online or is it paper form?

Yes, on line. I opened one a few months ago, all done online. They were very speedy and transfer in was quick.

Thanks.I was also wondering how the 60 day notice works if i were to transfer out in the future.?

Some providers require the funds to be available inside 30 days or Virgin fixed  was 6 weeks. Maybe this is only applicable transferring to fixed rate isas though. 

Dont think i ever had a notice isa before.

Malchester

Aidanmc said:

Malchester said:

Aidanmc said:

Regarding West Brom Websave 60 day notice ISA 5.1%, can transfers in from another provider be done online or is it paper form?

Yes, on line. I opened one a few months ago, all done online. They were very speedy and transfer in was quick.

Thanks.I was also wondering how the 60 day notice works if i were to transfer out in the future.?

Some providers require the funds to be available inside 30 days or Virgin fixed  was 6 weeks. Maybe this is only applicable transferring to fixed rate isas though. 

Dont think i ever had a notice isa before.

To make a transfer out you have to give notice to WestBrom and they give you a date when funds can be moved without penalty. It will say to your nominated account. You then request a transfer to your new ISA for that date. WestBrom then automatically amend the withdrawal to go to your new ISA rather than nominated account. However be careful as some ISA transfers have to happen within a set period of time, or be requested within a set period of time, or can only be requested at account opening. You just have to be careful and read terms in detail

Aidanmc

Anyone use Moneybox Isa? Was wondering about transfer in and out, is it typically easy.

Now the rate is dropping on my YBS loyalty e-Isa (from 5.2% to 4.7% as 12 month period is up) I was looking at either West Brom Websave ISA 60 day notice 5.1% or Moneybox ISA 5.09%

Ive never use an app based bank before.