Cash ISAs: The Best Currently Available List

slinger2

gwapenut said:

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.

Yes. Looks like the Barclays ones are flexible: "Funds withdrawn from your Flexible Cash ISA can be replaced in the same tax year without counting towards your annual ISA allowance." although withdrawals are limited: "Make up to three withdrawals, each one of up to 10% of your current balance"

soulsaver

gwapenut said:

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.

Thanks, you're right - I was making the mistake of reiterating what someone had said previously (so may have been true at the time) without checking. And it's the only one of the 5 I don't have, so there is room for error.
Edited my post.

pookey

Thank you all for your help. 

So can i open the Chip 5.1% ISA and move as much money in and out as needed without any penalties? 

And Also open the Shawbrook at 4.8% or Barclays at 4.6% with a fixed rate but can top up throughout the tax year?


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. I also have some monthly savers maturing towards the end of the year so it would be great to be able to add  funds later on, especially if the Chip account drops 

soulsaver

pookey said:

Thank you all for your help. 

So can i open the Chip 5.1% ISA and move as much money in and out as needed without any penalties? 

And Also open the Shawbrook at 4.8% or Barclays at 4.6% with a fixed rate but can top up throughout the tax year?


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. I also have some monthly savers maturing towards the end of the year so it would be great to be able to add  funds later on, especially if the Chip account drops 

Shawbrook is a yes, but with reservations - the T&Cs say that they may refuse transfers-in that are not requested at the outset.

But I have been allowed to in the past, and I have their assurances I can in the future with my current 3year fix.

2010

pookey said:

Thank you all for your help. 


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. 

Don`t asume you just get £1k PSA because it doesn`t work that way.
Other allowances have to be used first.

See_Em

No problem opening the Trading 212 Cash Isa but I have been unable to transfer in funds from another Cash ISA. Trading 212 message states: "Due to the very high demand for incoming transfers, we've temporarily paused accepting new requests. We will notify you as soon as you can submit a transfer request."

pookey

2010 said:

pookey said:

Thank you all for your help. 


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. 

Don`t asume you just get £1k PSA because it doesn`t work that way.
Other allowances have to be used first.

Hi which allowances please? 

2010

pookey said:

2010 said:

pookey said:

Thank you all for your help. 


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. 

Don`t asume you just get £1k PSA because it doesn`t work that way.
Other allowances have to be used first.

Hi which allowances please? 

£12,570, £5k and then the PSA of £1k.

pookey

soulsaver said:

pookey said:

Thank you all for your help. 

So can i open the Chip 5.1% ISA and move as much money in and out as needed without any penalties? 

And Also open the Shawbrook at 4.8% or Barclays at 4.6% with a fixed rate but can top up throughout the tax year?


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. I also have some monthly savers maturing towards the end of the year so it would be great to be able to add  funds later on, especially if the Chip account drops 

Shawbrook is a yes, but with reservations - the T&Cs say that they may refuse transfers-in that are not requested at the outset.

But I have been allowed to in the past, and I have their assurances I can in the future with my current 3year fix.

Thank you, I'll look at the rates and rules of the others that were mentioned and see what's best. It would be really frustrating if i couldn't transfer money in when the chip rate drops 😬

pookey

2010 said:

pookey said:

2010 said:

pookey said:

Thank you all for your help. 


I'm trying to avoid going over my PSA so the flexibility of Chip is very appealing. 

Don`t asume you just get £1k PSA because it doesn`t work that way.
Other allowances have to be used first.

Hi which allowances please? 

£12,570, £5k and then the PSA of £1k.

I'm a tax payer so i just get the 1k PSA right?