Cash ISAs: The Best Currently Available List

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.

trickydicky14

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/

To me that’s a no brainer, open a current account, get a good ISA and open Virgin’s regular saver at 10% what’s not to like.

savit4l8er

I wonder what coventry will do with their 5.05 Four Access ISA.  Match the BR cut or do worse.  Keep it better than the (2) @ 4.3 I wonder? 🤔 

gwapenut

The Skipton Bonus ISA (15) is being reduced to 4.55% as of 2nd September. They seem to be pre-empting a further base rate cut. For a while there, ISA accounts were looking as attractive as taxable for most people.

slinger2

gwapenut said:

The Skipton Bonus ISA (15) is being reduced to 4.55% as of 2nd September. They seem to be pre-empting a further base rate cut. For a while there, ISA accounts were looking as attractive as taxable for most people.

While most of their accounts have been reduced by 0.25%, a few have been reduced by more. This seems to be one (0.45% reduction). Also e.g. Single Access Saver (issue 1) from 5.15% to 4.65%.

https://www.skipton.co.uk/-/media/skipton-co-uk/pdf/savings/Administered Account Rate Changes 01-08-24.ashx