Cash ISAs: The Best Currently Available List

lohr500

flaneurs_lobster said:

refluxer said:

If you were looking at transferring out, it would make sense to look at one of the higher-paying 1 year rates with another provider (currently around 4.85 to 4.91%) rather than Virgin's 4.61%.

Virgin have a 1 yr fixed ISA at 5.05% but it requires you to have a current account with them.

I jumped on their 5.05% 1 year fix a couple of days ago, with an instruction to transfer an existing Virgin 1 year fix when it matures on the 24th August.

The existing 1 year fix was opened last year without the need to have a Virgin current account.

But opening a current account with them on Tuesday was straightforward and there are no monthly fees associated with it. Might be handy for future offers as well which require a Virgin current account to access their "exclusive" saving rates. 

RG2015

lohr500 said:

flaneurs_lobster said:

refluxer said:

If you were looking at transferring out, it would make sense to look at one of the higher-paying 1 year rates with another provider (currently around 4.85 to 4.91%) rather than Virgin's 4.61%.

Virgin have a 1 yr fixed ISA at 5.05% but it requires you to have a current account with them.

I jumped on their 5.05% 1 year fix a couple of days ago, with an instruction to transfer an existing Virgin 1 year fix when it matures on the 24th August.

The existing 1 year fix was opened last year without the need to have a Virgin current account.

But opening a current account with them on Tuesday was straightforward and there are no monthly fees associated with it. Might be handy for future offers as well which require a Virgin current account to access their "exclusive" saving rates. 

If its of any interest to you Virgin money are currently offering a Regular Saver Exclusive with a rate of 10.38% aer.

https://uk.virginmoney.com/savings/products/regular_saver_exclusive_issue_1/

benny5

Trying to find an ISA home for this year’s allowance, but have I missed all the decent fixed options?

With the more established intuitions, all the 2/3/4-year options appear to have evaporated.

Can’t see anything on Virgin, Nationwide or Coventry. Are they just taking a breather before further reductions. 

After all the BOE has only reduced the rate by .25% , so far.

Newly_retired

Coventry have said they are going to reduce rates but not announced details yet.

benny5

Newly_retired said:

Coventry have said they are going to reduce rates but not announced details yet.

The best I’m coming up with at the moment is; Virgin,1 Year 4.61%; Coventry, 2 Year 4.2%; and Coventry, 3 Year 4.05%. Don’t fancy Close.

Looking at established providers, in the shorrt term at least, I don’t think I can improve on these

pecunianonolet

benny5 said:

Newly_retired said:

Coventry have said they are going to reduce rates but not announced details yet.

The best I’m coming up with at the moment is; Virgin,1 Year 4.61%; Coventry, 2 Year 4.2%; and Coventry, 3 Year 4.05%. Don’t fancy Close.

Looking at established providers, in the shorrt term at least, I don’t think I can improve on these

Get yourself a current account with Virgin and you can get 1y at 5.05%
May not be around for long....

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/

refluxer

benny5 said:

The best I’m coming up with at the moment is; Virgin,1 Year 4.61%; Coventry, 2 Year 4.2%; and Coventry, 3 Year 4.05%. Don’t fancy Close.

Looking at established providers, in the short term at least, I don’t think I can improve on these

There are around a dozen ISA providers all paying more than 4.61% for a 1 year cash ISA, including United Trust, Cynergy, Ford Money, Shawbrook, Zopa and even Virgin themselves if you open a current account. They are all well-established and fully FSCS-protected.

benny5

pecunianonolet said:

benny5 said:

Newly_retired said:

Coventry have said they are going to reduce rates but not announced details yet.

The best I’m coming up with at the moment is; Virgin,1 Year 4.61%; Coventry, 2 Year 4.2%; and Coventry, 3 Year 4.05%. Don’t fancy Close.

Looking at established providers, in the shorrt term at least, I don’t think I can improve on these

Get yourself a current account with Virgin and you can get 1y at 5.05%
May not be around for long....

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/

I've already got an ISA with them, pity that dosen't count.

flaneurs_lobster

benny5 said:

pecunianonolet said:

benny5 said:

Newly_retired said:

Coventry have said they are going to reduce rates but not announced details yet.

The best I’m coming up with at the moment is; Virgin,1 Year 4.61%; Coventry, 2 Year 4.2%; and Coventry, 3 Year 4.05%. Don’t fancy Close.

Looking at established providers, in the shorrt term at least, I don’t think I can improve on these

Get yourself a current account with Virgin and you can get 1y at 5.05%
May not be around for long....

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/

I've already got an ISA with them, pity that dosen't count.

Worth getting a current account for the 5.05% ISA AND the 10% regular saver.

slinger2

Beehive Money seem to have decent rates too. I've never had an account with them but look quite tempting at the moment.