Cash ISAs: The Best Currently Available List

roked

Over62 said:

roked said:

Over62 said:

crumpet_man said:

Anyone recieved the £25 bonus from moneybox by opening a new cash or S&S ISA and funding £500 before end of Jan?  

No, still waiting with fingers crossed.

I was thinking the same yesterday and went back to check the T&Cs. Its 30+(up to)7 days after either end of Jan or when the transfer was completed, which ever is later. So I am assuming it will be this Friday now.

I messaged them about this and was told that the bonus would be in my account this week.

Seems you or someone prompted them to pay out. Had both mine this afternoon in my bank account, one of which I was not expecting yet as it only completed the transfer mid Feb. Very nice of Moneybox

Kazza242

Yorkshire Building Society has launched their new Loyalty Six Access ISAs, which I have added to the first post.

They pay 4.85% on the portion of the balance between £1 - £20,000 and 4.75% on the balance over this (£20,000.01+).

They allow 6 penalty-free withdrawal days during the one year term.

YBS Loyalty Six Access eISA 2024 (Internet-based), see here

YBS Loyalty Six Access ISA 2024 (branch-based), see here

Over62

roked said:

Over62 said:

roked said:

Over62 said:

crumpet_man said:

Anyone recieved the £25 bonus from moneybox by opening a new cash or S&S ISA and funding £500 before end of Jan?  

No, still waiting with fingers crossed.

I was thinking the same yesterday and went back to check the T&Cs. Its 30+(up to)7 days after either end of Jan or when the transfer was completed, which ever is later. So I am assuming it will be this Friday now.

I messaged them about this and was told that the bonus would be in my account this week.

Seems you or someone prompted them to pay out. Had both mine this afternoon in my bank account, one of which I was not expecting yet as it only completed the transfer mid Feb. Very nice of Moneybox

Yay, got mine too.  I will take the credit for them paying out and will send you my bank details for you to show your gratitude....😁

dc_scotland

Kazza242 said:

Yorkshire Building Society has launched their new Loyalty Six Access ISAs, which I have added to the first post.

They pay 4.85% on the portion of the balance between £1 - £20,000 and 4.75% on the balance over this (£20,000.01+).

They allow 6 penalty-free withdrawal days during the one year term.

YBS Loyalty Six Access eISA 2024 (Internet-based), see here

YBS Loyalty Six Access ISA 2024 (branch-based), see here

Disappointed to read this in the product details:

It is not possible to transfer an existing Yorkshire or Chelsea Building Society account to this product.

Catplan

dc_scotland said:

Kazza242 said:

Yorkshire Building Society has launched their new Loyalty Six Access ISAs, which I have added to the first post.

They pay 4.85% on the portion of the balance between £1 - £20,000 and 4.75% on the balance over this (£20,000.01+).

They allow 6 penalty-free withdrawal days during the one year term.

YBS Loyalty Six Access eISA 2024 (Internet-based), see here

YBS Loyalty Six Access ISA 2024 (branch-based), see here

Disappointed to read this in the product details:

It is not possible to transfer an existing Yorkshire or Chelsea Building Society account to this product.

So you’d need to transfer out then back in again….. seems silly.

i think you can hold both though.

• You can only hold one account in your name. If you are named on more than one Loyalty Six Access eISA 2024, the most recent account opened will be transferred to the Internet Saver ISA Plus.

and 

• You can only hold one account in your name. If you are named on more than one Loyalty Six Access ISA 2024, the most recent account opened will be transferred to the Internet Saver ISA Plus.

pecunianonolet

Where is the loyalty element with this ISA when so many other providers pay much better rates. 

Wheres_My_Cashback

Very poor offering from YBS particularly as it’s supposedly a loyalty account. Quite laughable really.
I’ll be transferring both my E and branch ISAs £20ks to Coventry at 5.05%.

Kazza242

dc_scotland said:

Kazza242 said:

Yorkshire Building Society has launched their new Loyalty Six Access ISAs, which I have added to the first post.

They pay 4.85% on the portion of the balance between £1 - £20,000 and 4.75% on the balance over this (£20,000.01+).

They allow 6 penalty-free withdrawal days during the one year term.

YBS Loyalty Six Access eISA 2024 (Internet-based), see here

YBS Loyalty Six Access ISA 2024 (branch-based), see here

Disappointed to read this in the product details:

It is not possible to transfer an existing Yorkshire or Chelsea Building Society account to this product.

I'm wondering if Yorkshire BS have mistakenly added that line to the webpages for the Loyalty Six Access Cash ISA/eISA, as you will notice that same term features on the Loyalty Regular eSaver webpage (under the 'Account Switching' section), here.  

I have read the Product Terms PDFs for both offerings and that condition is not included.

YBS Loyalty Six Access eISA 2024 (Product Terms)

YBS Loyalty Six Access ISA 2024 (Product Terms)

I have sent YBS a PM to check and will report back as soon as I receive a reply.

I have other ISAs paying more than 5.00% and so there are other options, in any case.  

elkiedee

Wheres_My_Cashback said:

Very poor offering from YBS particularly as it’s supposedly a loyalty account. Quite laughable really.
I’ll be transferring both my E and branch ISAs £20ks to Coventry at 5.05%.

Do you already have an open Coventry ISA account? I ask because I was looking at the 5.05% before it became NLA. I have opened an account at 4.46% (monthly interest) or 4.55% annual and transferred part of an old instant access ISA - part only because what's still there is money that I want to keep available and easily accessible for spending but separate from my current account. 

I'm not eligible for loyalty products with YBS as I don't have an account with them, but those rates combined with up to 6 withdrawals don't sound so bad to me, for savers who want some discipline but don't want the constraints/conditions etc that go with some of the accounts still paying over 5%, who want a provider that isn't online only and/or who have accounts with YBS. I have a number of very longstanding and new Nationwide accounts for similar reasons, and I may well move a lot of my savings in the next tax year in pursuit of better rates, but I will keep my options and most of the accounts open.

CuparLad

dc_scotland said:

Disappointed to read this in the product details:

It is not possible to transfer an existing Yorkshire or Chelsea Building Society account to this product.

They're looking to attract new money rather than making existing money more expensive for them, but clearly don't want to attract too much by making the rate TOTP.