Cash ISAs: The Best Currently Available List

flaneurs_lobster

pookey said:

Looking at opening a cash ISA for this tax year.
I've seen that Chase has been posted on here at 5.1% and it's also flexible which is great as I can move some extra money in to avoid going over my PSA.

Think you mean Chip?

pookey

flaneurs_lobster said:

pookey said:

Looking at opening a cash ISA for this tax year.
I've seen that Chase has been posted on here at 5.1% and it's also flexible which is great as I can move some extra money in to avoid going over my PSA.

Think you mean Chip?

Yes i do 🤦🏾‍♀️

pookey

slinger2 said:

pookey said:

Looking at opening a cash ISA for this tax year.
I've seen that Chase has been posted on here at 5.1% and it's also flexible which is great as I can move some extra money in to avoid going over my PSA.

Are there any fixed cash ISAs that allow you to top it up throughout the tax year please? 

Shawbrook do, for new money: "Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term." Not guaranteed for transfers: "Transfer requests received after your initial account application may be refused."

Thank you, is it flexible too? 

slinger2

pookey said:

slinger2 said:

pookey said:

Looking at opening a cash ISA for this tax year.
I've seen that Chase has been posted on here at 5.1% and it's also flexible which is great as I can move some extra money in to avoid going over my PSA.

Are there any fixed cash ISAs that allow you to top it up throughout the tax year please? 

Shawbrook do, for new money: "Please note that the Bank reserves the right to withdraw this product at any time. If the product is withdrawn, you can continue to put more money into your account until the expiry of the fixed term." Not guaranteed for transfers: "Transfer requests received after your initial account application may be refused."

Thank you, is it flexible too? 

Almost certainly not. Fixed rate ISAs rarely are.

soulsaver

Fixed ISA Top Ups: Lloyds, Barclays, Shawbrook, Kent Reliance, Bath BS. 

Barclays has limited flexibility, none of the others. Note their individual rules, IIRC they all differ.

pookey

Can i open a shawbrook cash ISA and Chip cash ISA and fund both with money for this tax year please? 

flaneurs_lobster

pookey said:

Can i open a shawbrook cash ISA and Chip cash ISA and fund both with money for this tax year please? 

Yes (up to the £20K limit across all ISAs).

badger09

pookey said:

Can i open a shawbrook cash ISA and Chip cash ISA and fund both with money for this tax year please? 

Yes
Though some ISA providers suggest you cannot fund an ISA with them if you have already funded one elsewhere. However, they cannot change HMRC rules😉. 

qbadger

Yes this is now allowed under the new ISA flexibility changes.

gwapenut

soulsaver said:

Fixed ISA Top Ups: Lloyds, Barclays, Shawbrook, Kent Reliance, Bath BS. 

None flexible. Note their individual rules, IIRC they all differ.

Is that true of Barclays? I was able to withdraw 10%, three times, and was also allowed to repay it. Their fixed ISAs are a good product. I've slated them in the past for transfer problems but, unlike Virgin, they respond to complaints very quickly, with good compensation, and a lovely fella took the time to explain eactly how it had all gone wrong and that they'd found the systemic root cause and were rolling out a fix that particular week.