Cash ISAs: The Best Currently Available List

northAthenian

@gwapenut
hi, i opened the lloyds 2yr isa the other day - the blurb/t&cs i read while accepting said the £3k- their minimum - to be paid in within 60 days.

Kim_13

Received my Saffron Regular Saver ISA details in the post today, sent first class on Monday.

There's a passbook once again and a three digit reference that didn't seem to refer to anything obvious - I wonder if they have a target number as they have said that the account can be pulled before 24th April, and are literally counting them out.

refluxer

kuepper said:

How come they don't mention this? I notice it's not on the list on p.1 either

The rates for certain types of ISA account have changed a lot in the last few weeks, so it's likely that the list on page 1 of this thread has gotten out of date.

I think that particular account might be very new and may have only been launched as recently as yesterday or today, which would explain why it wasn't mentioned in the maturity options quoted above. It was paying 5.06% prior to this and was withdrawn at some point before being relaunched at this new rate. 

flobbalobbalob

refluxer said:

kuepper said:

How come they don't mention this? I notice it's not on the list on p.1 either

The rates for certain types of ISA account have changed a lot in the last few weeks, so it's likely that the list on page 1 of this thread has gotten out of date.

I think that particular account might be very new and may have only been launched as recently as yesterday or today, which would explain why it wasn't mentioned in the maturity options quoted above. It was paying 5.06% prior to this and was withdrawn at some point before being relaunched at this new rate. 

The options still do not include this one.

refluxer

flobbalobbalob said:

refluxer said:

kuepper said:

How come they don't mention this? I notice it's not on the list on p.1 either

The rates for certain types of ISA account have changed a lot in the last few weeks, so it's likely that the list on page 1 of this thread has gotten out of date.

I think that particular account might be very new and may have only been launched as recently as yesterday or today, which would explain why it wasn't mentioned in the maturity options quoted above. It was paying 5.06% prior to this and was withdrawn at some point before being relaunched at this new rate. 

The options still do not include this one.

I guess it's possible that the maturity options are set at the time they're provided and their IT systems can't cope with any rate changes or new accounts becoming available after that.

That's not to say that you can't apply for the account if you want it though, presumably. It may just not be possible to do it via their usual maturity instruction submission procedure and might require a phone call or temporary relocation to the other easy access ISA account that was offered. 

pokemaster

West Brom BS WeBSave 60 Day Notice ISA (issue 2) - 5.10%

Tried to open this account but on registration (Im new to West Brom) says I'm only allowed to pay into one Cash ISA a year and because I said I already have they want me to transfer my other one over. Are they just a bit behind in updating their website?

slinger2

Probably they are. The other downside for me is that it's not flexi, so if you want to take money out but retain it within the ISA system you need to do a transfer.

pecunianonolet

pokemaster said:

West Brom BS WeBSave 60 Day Notice ISA (issue 2) - 5.10%

Tried to open this account but on registration (Im new to West Brom) says I'm only allowed to pay into one Cash ISA a year and because I said I already have they want me to transfer my other one over. Are they just a bit behind in updating their website?

Yes, they are a bit behind. I opened this account in February when it was top of the table. The T&C's state that a pay in or transfer in needs to happen within 30 days (unless I read it wrong). I did provide them at opening transfer instructions for £1 to be taken from my Virgin 1y fix, which matured 29th March. Did tell them to wait until maturity. Transfer was done and the £1 credited on 4th April.

Was more a precautionary measure to secure the account before rates would drop or the account going NLA and since the £1 in there doesn't hurt, I won't add any more old or new money. For new money I use Chip as it is the same rate and flexible so I can operate the account to park funds before distributing elsewhere e.g. reg savers or before DD come out but interest remains tax free. I have already maxed out my PSA for this tax year.

Therefore, would just ignore and say you haven't so the IT applies the right logic in their system and you can go ahead. You ar enot in breach as you can have as many ISA's now as you wish with as many providers. Having more than 1 ISA account with the same provider may not be possible.

kuepper

refluxer said:

kuepper said:

How come they don't mention this? I notice it's not on the list on p.1 either

The rates for certain types of ISA account have changed a lot in the last few weeks, so it's likely that the list on page 1 of this thread has gotten out of date.

I think that particular account might be very new and may have only been launched as recently as yesterday or today, which would explain why it wasn't mentioned in the maturity options quoted above. It was paying 5.06% prior to this and was withdrawn at some point before being relaunched at this new rate. 

Yes this is issue 27, issue 26 was 5.01% a few days back

shmike

Zopa do accept Cash ISA transfers in, page 1 says they don't.