Cash ISAs: The Best Currently Available List

Knitsy

could someone stop my brain exploding by answering this question for me please...? are flexible cash ISA's ever fixed rate too?

Descrabled

Barclays have flexible fixed rate ISAs that allows the withdrawal of 10% on three occasions.

Paragon have flexible fixed rate ISAs but you pay a penalty for early withdrawal.

Ford money also have flexible fixed rate ISAs with withdrawal penalties and do already allow split ISAs.

I'm not sure that having flexible fixed rates with penalties for early withdrawal are really of any advantage.

changearound1

Descrabled said:

Barclays have flexible fixed rate ISAs that allows the withdrawal of 10% on three occasions.

Paragon have flexible fixed rate ISAs but you pay a penalty for early withdrawal.

Ford money also have flexible fixed rate ISAs with withdrawal penalties and do already allow split ISAs.

I'm not sure that having flexible fixed rates with penalties for early withdrawal are really of any advantage.

Paragon also allow you to split your isa allowance across different accounts so if the interest from a Paragon  flexible fixed rate isa is being paid to an external account you can pay up to that amount of interest into a different Paragon isa before year end.

Not sure but I think Nationwide also allow this and possibly others.

badger09

Virgin Money

Don’t know if it’s already been mentioned but VM Defined Access E ISA iss 25 5.06% is NLA

jimbow25

Kazza242 said:

• 
  Variable Rate (Easy Access) Cash ISAs that accept transfers in:
  
  
• Plum Cash ISA - 5.17% **New Rate**
  Minimum deposit: £1.
  Operated via: Mobile app.
  Notes: This is NOT a flexible cash ISA.
  Important: Rate includes a 0.88% variable bonus for the first 12 months.
  

Thanks as always for this list.
It might be worth highlighting that the 0.88% bonus is only available for new ISA money and ISA transfers only receive the standard rate of 4.29% - this may make a significant difference to its attractiveness to anyone thinking of doing an ISA transfer.

pecunianonolet

jimbow25 said:

Kazza242 said:

• 
  Variable Rate (Easy Access) Cash ISAs that accept transfers in:
  
  
• Plum Cash ISA - 5.17% **New Rate**
  Minimum deposit: £1.
  Operated via: Mobile app.
  Notes: This is NOT a flexible cash ISA.
  Important: Rate includes a 0.88% variable bonus for the first 12 months.
  

Thanks as always for this list.
It might be worth highlighting that the 0.88% bonus is only available for new ISA money and ISA transfers only receive the standard rate of 4.29% - this may make a significant difference to its attractiveness to anyone thinking of doing an ISA transfer.

And should you transfer out you do not get any interest in that month at all, which is in the T&C's. Overall, attractive rate but too much red tape so makes it an unattractive product overall.

2010

Looks like Paragon are dropping their 1 yr fixed ISA from tomorrow to 4.9% from 5.05%.

CrickJon

Thanks for that heads up. As a result I have just opened an account.

I've funded a S&S ISA and a fixed cash ISA (not fully) this tax year, so I have opened it for next year to secure the 5.05%. For those wondering, it said I have 28 days to fund in the window.

I'll see if anything new - and better - launches after 6 April, if not, looks like this could be an option for a lump sum early on.

Steve_xx

CrickJon said:

Thanks for that heads up. As a result I have just opened an account.

I've funded a S&S ISA and a fixed cash ISA (not fully) this tax year, so I have opened it for next year to secure the 5.05%. For those wondering, it said I have 28 days to fund in the window.

I'll see if anything new - and better - launches after 6 April, if not, looks like this could be an option for a lump sum early on.

Is it ok to open it now for next year, if you've already maxed out this year's allowance?

Bridlington1

Steve_xx said:

CrickJon said:

Thanks for that heads up. As a result I have just opened an account.

I've funded a S&S ISA and a fixed cash ISA (not fully) this tax year, so I have opened it for next year to secure the 5.05%. For those wondering, it said I have 28 days to fund in the window.

I'll see if anything new - and better - launches after 6 April, if not, looks like this could be an option for a lump sum early on.

Is it ok to open it now for next year, if you've already maxed out this year's allowance?

Yes. You can open as many ISAs as you like even if you've maxed out your ISA allowance so long as you don't fund them this tax year. I've opened a few cash ISAs speculatively, which I'll deposit £1 in to next week just in case they come in useful.