Cash ISAs: The Best Currently Available List

hgt

gwapenut said:

The Daily Mail and moneyfacts are listing a Newcastle B.S. single access ISA at 5%. This interests me, because unlike all the others above it in the rate table (please correct me if wrong):
1. Electronic transfers
2. Flexible (just 1 flexible accss is all I need)
3. Easy Access
4. Not a brand I distrust (Zopa, Plum, Chip) without real contact numbers for resolving the ISA transfer issues which seem to affect me routinely 

However, the mail's link takes me through to a landing page without the ISA on it. Might be one to watch today if of interest:

https://www.newcastle.co.uk/savings/cash-isas

Sorry to drag up an old post... but this account is indeed now available (in branch only) as I opened one today.

Strangely there's not even a mention of this account on the Newcastle BS website, but was being advertised in the window of the branch.

Might be useful to some if you have a Newcastle BS branch nearby. My account was opened instantly with the usual excellent customer service.

pecunianonolet

Re Chip EA ISA

Put some funds in the ISA to park it there for a short while as it is instant access and flexible. I now took some funds out and put some others back in. However, the allowance overview doesn't make any sense. 

I put in £3000, then I took £800 out and put the next day £700 back in.

My understanding would be that after I put £3k in my remaining subscription for this tax year is £17k I can either put in CHIP or anywhere else.

Now after I took £800 out should my remaining subscription not show still £17k and would only change from the point I put £800.01 back in, which would say that I have now subscribed £3000.01. 

However, when I check in the Chip app under Profile --> ISA allowance it just shows my current balance. 

With the scenario above, should the Chip app not show £3000 used up, even if the balance is only £2900 (£3000 - £800 +£700).

In essence, if I once put £3k in and take out and replace my remaining subscription limit should always show as £17k. With Chip it doesn't seem to be the case. 

Has anyone else noticed that Chip doesn't seem to show this properly?

slinger2

For a flexi ISA it's only the "net" deposit (for the current tax year) that matters. So if you add £3000, take out £800 and put back £700 (again: all in the current tax year), your net position is £2900 and you've got £17100 of your allowance left (assuming no other ISAs)

Expotter

hgt said:

gwapenut said:

The Daily Mail and moneyfacts are listing a Newcastle B.S. single access ISA at 5%. This interests me, because unlike all the others above it in the rate table (please correct me if wrong):
1. Electronic transfers
2. Flexible (just 1 flexible accss is all I need)
3. Easy Access
4. Not a brand I distrust (Zopa, Plum, Chip) without real contact numbers for resolving the ISA transfer issues which seem to affect me routinely 

However, the mail's link takes me through to a landing page without the ISA on it. Might be one to watch today if of interest:

https://www.newcastle.co.uk/savings/cash-isas

Sorry to drag up an old post... but this account is indeed now available (in branch only) as I opened one today.

Strangely there's not even a mention of this account on the Newcastle BS website, but was being advertised in the window of the branch.

Might be useful to some if you have a Newcastle BS branch nearby. My account was opened instantly with the usual excellent customer service.

Is this what you're referring to? It's available online

https://www.newcastle.co.uk/savings/cash-isas/newcastle-single-access-isa-issue-1

gwapenut

hgt said:

gwapenut said:

The Daily Mail and moneyfacts are listing a Newcastle B.S. single access ISA at 5%. This interests me, because unlike all the others above it in the rate table (please correct me if wrong):
1. Electronic transfers
2. Flexible (just 1 flexible accss is all I need)
3. Easy Access
4. Not a brand I distrust (Zopa, Plum, Chip) without real contact numbers for resolving the ISA transfer issues which seem to affect me routinely 

However, the mail's link takes me through to a landing page without the ISA on it. Might be one to watch today if of interest:

https://www.newcastle.co.uk/savings/cash-isas

Sorry to drag up an old post... but this account is indeed now available (in branch only) as I opened one today.

Strangely there's not even a mention of this account on the Newcastle BS website, but was being advertised in the window of the branch.

Might be useful to some if you have a Newcastle BS branch nearby. My account was opened instantly with the usual excellent customer service.

I've been checking this daily online and it wasn't there first thing. I knew it was brnch only according to moneyfacts.

I called up Darlington branch to ask if there was any way they could open it remotely for me, and the lady said they'd had an email saying it was going online .... today.

I checked again, and sure enough, just 2 hours after I last checked, it is now available on t'internet.

https://www.newcastle.co.uk/savings/cash-isas/newcastle-single-access-isa-issue-1

pokemaster

this is like the West Brom ISA when I say I already have opened an ISA elsewhere it tells me I have to transfer it in.

CuparLad

Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 12 @ 5.05% released.

This ISA is open to customers with a current account from Virgin Money, Clydesdale Bank or Yorkshire Bank (apart from our Essential Current Account or any account opened with Northern Rock).

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_12/

flaneurs_lobster

CuparLad said:

Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 12 @ 5.05% released.

Happy days. The 1 Year Fixed Rate Cash ISA Exclusive Issue 12 is all yours

We just need you to look over and agree to the legal bits first.

..............

• I have not subscribed and will not subscribe to another Cash ISA in the same year that I subscribed to this Cash ISA.

That's rather annoying.

pokemaster

Guess that’s another one to add to the “won’t let you subscribe to another ISA” list 🙈

subjecttocontract

Expotter said:

hgt said:

gwapenut said:

The Daily Mail and moneyfacts are listing a Newcastle B.S. single access ISA at 5%. This interests me, because unlike all the others above it in the rate table (please correct me if wrong):
1. Electronic transfers
2. Flexible (just 1 flexible accss is all I need)
3. Easy Access
4. Not a brand I distrust (Zopa, Plum, Chip) without real contact numbers for resolving the ISA transfer issues which seem to affect me routinely 

However, the mail's link takes me through to a landing page without the ISA on it. Might be one to watch today if of interest:

https://www.newcastle.co.uk/savings/cash-isas

Sorry to drag up an old post... but this account is indeed now available (in branch only) as I opened one today.

Strangely there's not even a mention of this account on the Newcastle BS website, but was being advertised in the window of the branch.

Might be useful to some if you have a Newcastle BS branch nearby. My account was opened instantly with the usual excellent customer service.

Is this what you're referring to? It's available online

https://www.newcastle.co.uk/savings/cash-isas/newcastle-single-access-isa-issue-1

This Newcastle account doesn't seem very appealing......flexible interest rate meaning it will be going down and only 1 penalty free withdrawl a year......where's the upside ?