Cash ISAs: The Best Currently Available List

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.

2010

For an instant access ISA Marcus has 4.75%.
No waiting a day or two for a withdrawal, into your nominated within hours, sometimes minutes.

surreysaver

soulsaver said:

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

Last year's worked well for me. They'll have to try a bit harder this year, though.
I think I'll open one speculatively in case it becomes more competitive in a few months 

TheWoodler

I’d recommend reading Ts&Cs of any ISA product really carefully, as I’m surprised how much of the market hasn’t explicitly spelt out the new ISA rules and how they can work in practice. Some providers have been very good, some have ambiguous wiggle room, and some seem to have not altered their literature much or at all.

Upthread I alluded to my decision-making process on ISA choices, and this has been an additional factor this year that I hadn’t quite foreseen, as I’d anticipated the market would have been efficient enough to anticipate the need for the new rules to be spelt out in black and white for customers! 

There’ll be a flurry of revised Ts&Cs soon, I rather think, but I’m surprised the market didn’t get its collective act together given this must be a key deposit date for them . . . 

Rheumatoid

2010 said:

For an instant access ISA Marcus has 4.75%.
No waiting a day or two for a withdrawal, into your nominated within hours, sometimes minutes.

Not flexible tho