Cash ISAs: The Best Currently Available List

gt94sss2

kjs31 said:

10_66 said: Thank you very much BigBlueSky, that is useful.  However, this information is only available after you've deposited money with them, it'd be useful to know this beforehand.  I can only imagine those percentage breakdowns differ from person to person otherwise they'd be happy to provide this information on their "protections" page.

I have the same percentages but I’ve just added 7k to my ISA with them (30ish minutes ago) and whilst it shows in the account it’s not showing in that breakdown yet. Presumably because it’s in a holding account somewhere? 

I believe they update the figures after midnight

ortolickus

Apologies if this 'heads-up' has already been posted.

I opened an ISA with T212 a month or so ago and transferred £1k as a 'try-out'. It went smoothly so i tried to transfer another £19k, but transfers were suspended due to volumes. I was told i'd be informed when i could transfer, but have had no such notice; however yesterday i tried again on their website and my request was accepted and the transfer appears to be going through.

Bridlington1

Principality will be launching an Online Bonus 5 Access Cash ISA at 5% (includes 1.45% bonus for a year) £1 min. ISA is flexible so could be one to open speculatively. Application link attached.

Bridlington1

Bridlington1 said:

Principality will be launching an Online Bonus 5 Access Cash ISA at 5% (includes 1.45% bonus for a year) £1 min. ISA is flexible so could be one to open speculatively. Application link attached.

Now ``officially" live
https://www.principality.co.uk/savings-accounts/isas/Online-Bonus-5-Access-Cash-ISA

gwapenut

Bridlington1 said:

Bridlington1 said:

Principality will be launching an Online Bonus 5 Access Cash ISA at 5% (includes 1.45% bonus for a year) £1 min. ISA is flexible so could be one to open speculatively. Application link attached.

Now ``officially" live
https://www.principality.co.uk/savings-accounts/isas/Online-Bonus-5-Access-Cash-ISA

Just bear in mind they don't support electronic transfers. Other than that, it is  a decent account with a decent provider. But being at the mercy of Royal Mail these days doesn't float my boat.

Wheres_My_Cashback

Anyone have any idea of transfer in to Tradex 212 timelines currently? Are they taking the full permitted period or quicker ?
Looking to transfer from Coventry BS

csw5780

Bridlington1 said:

Bridlington1 said:

Principality will be launching an Online Bonus 5 Access Cash ISA at 5% (includes 1.45% bonus for a year) £1 min. ISA is flexible so could be one to open speculatively. Application link attached.

Now ``officially" live
https://www.principality.co.uk/savings-accounts/isas/Online-Bonus-5-Access-Cash-ISA

Also note Principality only allow one cash ISA to be held with them per tax year. 

“You can only pay your ISA Allowance into one Principality cash ISA in the current tax year.”

schiff

Bridlington1 said:

Principality will be launching an Online Bonus 5 Access Cash ISA at 5% (includes 1.45% bonus for a year) £1 min. ISA is flexible so could be one to open speculatively. Application link attached.

TY I have their 4.85% issue 5 version. I don't need flexibility so will look to switch.

What exactly is the problem with electronic transfers?

pecunianonolet

Wheres_My_Cashback said:

Anyone have any idea of transfer in to Tradex 212 timelines currently? Are they taking the full permitted period or quicker ?
Looking to transfer from Coventry BS

OH transferred from Coventry BS 5.05% to Trading and initiated the transfer before they paused it. First radio silence and only the standard messages in the trading app that things are in progress, after around 1.5 weeks an email that a wet signature is required so OH printed the form, signed it and sent a photograph back the same day. I guess it was Coventry requesting that info. Funds left Coventry on 13th June and were credited with Trading on Friday 14th June, that was exactly the 15th working day from the day the transfer request was submitted. Loss of one day interest of ca. £6. 

OH questioned this because Coventry sent funds by faster transfer but Trading is saying they are within their rights and that it can take longer to receive funds. Takes now around a month to make up that lost day to break even with the 0.15% difference in interest vs. keeping it at Coventry. A test withdrawal of £1 took 3 working days with Trading vs. next day with Coventry. We would probably not do it again.

Virgin Money transfer to Coventry and Moneybox (£5 and £500 to open and secure accounts) I did in March took 3 working days over the Easter bank holiday weekend. 

Wheres_My_Cashback

pecunianonolet said:

Wheres_My_Cashback said:

Anyone have any idea of transfer in to Tradex 212 timelines currently? Are they taking the full permitted period or quicker ?
Looking to transfer from Coventry BS

OH transferred from Coventry BS 5.05% to Trading and initiated the transfer before they paused it. First radio silence and only the standard messages in the trading app that things are in progress, after around 1.5 weeks an email that a wet signature is required so OH printed the form, signed it and sent a photograph back the same day. I guess it was Coventry requesting that info. Funds left Coventry on 13th June and were credited with Trading on Friday 14th June, that was exactly the 15th working day from the day the transfer request was submitted. Loss of one day interest of ca. £6. 

OH questioned this because Coventry sent funds by faster transfer but Trading is saying they are within their rights and that it can take longer to receive funds. Takes now around a month to make up that lost day to break even with the 0.15% difference in interest vs. keeping it at Coventry. A test withdrawal of £1 took 3 working days with Trading vs. next day with Coventry. We would probably not do it again.

Virgin Money transfer to Coventry and Moneybox (£5 and £500 to open and secure accounts) I did in March took 3 working days over the Easter bank holiday weekend. 

Thanks, that's very useful. Hopefully the timescales have improved now the rush has subsided. Its those little things such as deposit/withdrawal timescales that can make the difference. Interesting that CBS needed a wet signature too. Was the form a CBS or T212 one?

In recent years I've only transferred between CBS/YBS/VIR and Cynergy and the longest has been 4 working days. I've always found VIR particularly quick.