Cash ISAs: The Best Currently Available List

friolento

slinger2 said:

pokemaster said:

Don’t they already have an ISA at 5.2% daily?

There will be differences between the S&S ISA and new Cash ISA. The Cash ISA has "£85,000 FSCS protection" according to the email. Also: "We will hold your Cash ISA cash in segregated Regular Bank Deposits and Term Deposits with banks, as detailed in our Invest Terms. For the avoidance of doubt, we will not use QMMFs to hold money that you have contributed to your Cash ISA."

Although the interest rate for the Cash ISA is initially the same as that offered for pounds in the S&S ISA (that's the current plan anyway) there's no reason why the two should remain aligned. You might expect the Cash ISA to pay a somewhat lower rate.

Have they said anywhere what those banks are? It's important to know, in case one would bust the £85k limit at a given bank

Northlight

Shawbrook 2 Year Fixed Rate ISA issue 82 at 4.63% now withdrawn and replaced with issue 83 at 4.4%. The 3 year fix remains at 4.41%.

wiseonesomeofthetime

There is a banner across the top of the Moneybox website that inidcates the rate of their Cash ISA will change on Monday morning. It reads:

"Don't miss out! Open a Moneybox Cash ISA and earn 5.16%* AER (variable) before this rate expires at 11:59pm 12/05/24."

slinger2

So you can open an account on Sunday at 5.15% (variable) and they'll cut that rate on Monday? Perhaps more likely they'll cut the bonus rate for new accounts.

wiseonesomeofthetime

I agree. More likely a change in that bonus rate 👍

2010

Looks like all rates are on the way down.
Not because the BoE has done anything but anticipating a future cut.
Then they can chop them again when it happens.
I can't see variable ISA rates holding up much longer either.

wiseonesomeofthetime

Moneybox Customer Service

Anyone have experience with this and their in-app chat? Seems totally useless to me atm, and the Support phone number is only M-F too.

pecunianonolet

Customer service via chat is ok but not the greatest. I opened the account early April and transferred the minimum 500 of old money in just to secure the account. transfer from Virgin to Moneybox took like 4-5 days so was rather quick. 

pookey

YBS 4.7% double access EISA

Variable, allows 2 withdrawals and "transfer in" 
Flexible ISA

https://www.ybs.co.uk/savings/product?id=YB851820W

flobbalobbalob

Transferring 08 sort code Virgin ISA to Zopa.
Isa transfer accepted by Virgin on day 6
Transfer completed at 19:30 hrs on day 9
Interest credited by Virgin up to and including day 8
Not sure if I've lost a days interest yet, could be faster but smooth enough.