Cash ISAs: The Best Currently Available List

TheWoodler

Thanks to @soulsaver and also to @Rich2808 for the heads-up about Lloyd’s as I have the same account. As I’m app-only with them, I checked (via in-app messaging & it was easy to break the bot & talk to a human). They confirmed top-up was available and could be done by bank transfer, so you’re not confined to the online banking route. (I also read their Ts&Cs carefully - no confusion over the new regime!)

I hadn’t automatically considered this account as part of my ISA 24/25 portfolio, given that it’s a fix, but a fix that you can continue to pay into is pretty good IMHO, so thanks for the reminder! As it happens, I hadn’t yet filled up the ISA 2 allocation, so I could divert some funds away to this one. So I’m splitting this year’s allowance 3 ways, which I’d always planned on doing, but not quite this way! 

(All my 3 preferred 24/25 candidates were new openings, and available come 6 April, but I drew back from one as I didn’t think they’d updated their site, product terms, or declaration sufficiently. The other two were both watertight in terms of compliance.)

soulsaver

TheWoodler said:

Thanks to @soulsaver and also to @Rich2808 for the heads-up about Lloyd’s as I have the same account. As I’m app-only with them, I checked (via in-app messaging & it was easy to break the bot & talk to a human). They confirmed top-up was available and could be done by bank transfer, so you’re not confined to the online banking route. (I also read their Ts&Cs carefully - no confusion over the new regime!)

I hadn’t automatically considered this account as part of my ISA 24/25 portfolio, given that it’s a fix, but a fix that you can continue to pay into is pretty good IMHO, so thanks for the reminder! As it happens, I hadn’t yet filled up the ISA 2 allocation, so I could divert some funds away to this one. So I’m splitting this year’s allowance 3 ways, which I’d always planned on doing, but not quite this way! 

(All my 3 preferred 24/25 candidates were new openings, and available come 6 April, but I drew back from one as I didn’t think they’d updated their site, product terms, or declaration sufficiently. The other two were both watertight in terms of compliance.)

@TheWoodler Also check back a page or 2 for the Shawbrook 4.5% 2 year fix £1k to start and Top ups.. or their 4.38% 3 year fix also allowing top ups, for consideration.

2010

Charter 1yr ISA cut to 4.70%.

SickGroove

Going back to the Lloyds fixed 2 year cash ISA which you can continually add to during the term...

I have a 20K one year fix with charter, which expires in October this year....if by then the rate is below the 4.25%from Lloyds, can it then be transferred into the Lloyds one to get the current 4.25%?

Can you transfer other old ISAs in at any point during the term & if so how do you do it?

Cheers

badger09

SickGroove said:

Going back to the Lloyds fixed 2 year cash ISA which you can continually add to during the term...

I have a 20K one year fix with charter, which expires in October this year....if by then the rate is below the 4.25%from Lloyds, can it then be transferred into the Lloyds one to get the current 4.25%?

Can you transfer other old ISAs in at any point during the term & if so how do you do it?

Cheers

Yes
As long you have already opened the Lloyds FRISA. They could of course withdraw it at any time. 

I suggest you look at Lloyds Bank website or even google

https://www.lloydsbank.com/isas/isa-transfer.html

bioboybill

I decided to put £1K into the Shawbrook Fixed 2 year ISA as suggested by a few in this thread to take advantage of topping up later if rates fall in the next year. On their site it tells you that you deposit by bank transfer from a nominated account, but because they aren't part of the service that checks accounts match they suggest depositing £1 first time to put your mind at rest. I did that, but I'm wondering whether it will work since the minimum deposit is supposed to be £1K. Had anybody else successfully deposited a small amount?

refluxer

bioboybill said:

I decided to put £1K into the Shawbrook Fixed 2 year ISA as suggested by a few in this thread to take advantage of topping up later if rates fall in the next year. On their site it tells you that you deposit by bank transfer from a nominated account, but because they aren't part of the service that checks accounts match they suggest depositing £1 first time to put your mind at rest. I did that, but I'm wondering whether it will work since the minimum deposit is supposed to be £1K. Had anybody else successfully deposited a small amount?

I've made a test deposit of £1 into a Shawbrook cash ISA in the past - it took a couple of hours to show in the account and I received a confirmation text message that it had arrived. 

bioboybill

refluxer said:

bioboybill said:

I decided to put £1K into the Shawbrook Fixed 2 year ISA as suggested by a few in this thread to take advantage of topping up later if rates fall in the next year. On their site it tells you that you deposit by bank transfer from a nominated account, but because they aren't part of the service that checks accounts match they suggest depositing £1 first time to put your mind at rest. I did that, but I'm wondering whether it will work since the minimum deposit is supposed to be £1K. Had anybody else successfully deposited a small amount?

I've made a test deposit of £1 into a Shawbrook cash ISA in the past - it took a couple of hours to show in the account and I received a confirmation text message that it had arrived. 

I made a £1 deposit just after 9 last night and nothing showing this morning. I know it was outside banking hours, so will wait to see if it appears later today. Cheers.

bioboybill

£1 deposit now received and a further £999 deposited just now. Thanks again to the people who highlighted the Shawbrook 2 year fix. Happy Days!

flaneurs_lobster

Applying for the Shawbrook 2yr fix. Application requires a password to be set up but I can't paste from my password manager (nor anywhere else) into the new password field.

Just me? Try another browser other than Chrome?

This is a deal-breaker, I'm not setting up an account that requires me to copy 20 characters 1 by 1 between two screens (twice) (and again on each login?).