Cash ISAs: The Best Currently Available List

d63

soulsaver said:

Who is K&R

Kent Reliance ?
https://www.kentreliance.co.uk/

TheWoodler

subjecttocontract said:

Secure Trust have the same system of giving the account a new number at maturity.
As I've said before there is far more to selecting a new ISA provider than just picking one with a good interest rate.

I agree. My criteria include headroom for ISA growth/transfers within the FSCS limits, customer service, accessibility and ease of transfer service - obviously the last is an unknown with a new provider, but I might look more favourably on a past provider with a proven transfer process vs one that is not yet a known quantity. 

This coming year I’ve had three candidates in mind. At present all my three candidates remain on the market. I’m leaning towards the least favourable rate, still competitive in its niche, as it is fixed rather than variable, and because I know the provider has a proven transfer process in both directions, and is always accessible in its contact methods, which gives peace of mind (especially given that a full year’s ISA subscription in itself is not a trivial sum). 

One of the other providers has been good contact accessibility-wise, but is untried ISA-wise, and the 3rd, with the best market rate out of the 3, is an unknown quantity on both those counts. 

(I find this forum with users’ experiences very useful as part of my research, as I can imagine documented troubles with transfers being 100 times worse if they can’t be resolved easily by phone call!)

soulsaver

d63 said:

soulsaver said:

Who is K&R

Kent Reliance ?
https://www.kentreliance.co.uk/

KRBS in that case. Or KR... 

CuparLad

CuparLad said:

That seems to be all the >5% 1 Yr Fixes gone. The Castle Trust 1 Yr @ 5.05% is NLA leaving Zopa @ 5%. Fingers crossed something interesting happens tomorrow/next week.

Now joined by Aldermore 1 Yr Fix @ 5% (effective tomorrow)

Bridlington1

Bridlington1 said:

Saffron BS are going to launch a regular saver cash ISA tomorrow paying 4.75% fixed (£10 min). Account can be opened in branch/post and allows unlimited penalty free withdrawals, which can be done by phone.

Now live:
https://www.saffronbs.co.uk/savings/cash-isas/regular-saver-isa

Further details:

• Account allows you to deposit up to £1650 per calendar month before allowing you to top up the balance to £20k regardless of how much you have already deposited in the account
• You can skip payments without penalty if desired
• Account term is 12 months from account opening
  
• ISA is not flexible
• Transfers in are not permitted
• Once opened account can be managed in branch, online, by phone and by post.
• Account will be available until 24/4/24

SaveTheEuro

CuparLad said:

That seems to be all the >5% 1 Yr Fixes gone. The Castle Trust 1 Yr @ 5.05% is NLA leaving Zopa @ 5%. Fingers crossed something interesting happens tomorrow/next week.

Zopa rate cut on day one of the new ISA year - now 4.9% for a one year fix.

2010

2010 said:

KR EA issue 47 @ 5.03% gone.

Issue 48 is out now but it`s gone down to 4.95%.

Also 1yr fixed ISA 4.70% issue 95

Charter Bank also busy cutting  ISA 1yr fix 4.75% down from 5.05%

Umiamz

I've opened a 1yr fixed ISA with Zopa (already have the easy access) but have 30 days to fund it, just in case something better comes along. It's beginning to look doubtful, though.

surreysaver

Yorkshire's latest Loyalty offering

soulsaver

That YBS 6 access eIsa 2024 is Flexible, too. 
Last year's one worked well for me.