Cash ISAs: The Best Currently Available List

Aidanmc

badger09 said:

pookey said:

Aidanmc said:

pookey said:

flaneurs_lobster said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Obviously not the same transfer but I've just completed Chip Cash ISA --> VM 5.05% ISA today 16/8. Request was a paper form completed in VM branch last Friday 9/8. Pretty slick from both parties I thought.

Thank you that's great. I already have the VM 5.05 isa, i wish we could open more then one 😅

Can you not open more than 1?

I have a couple of the earlier 5.25% version

When i opened it, i did an account switch at the same time and i called up to double check some details. The lady I spoke to said i could only have one but I'll double check as I've noticed that sometimes they give incorrect information 😅

I’ve just checked T&Cs (on my phone so DYOR) but can’t see any such restriction. VM allow you to subscribe ie pay new money into, only one cash ISA per tax year, but that shouldn’t stop you opening more than one for the purpose of transferring other ISAs in. 

I have 3x VM 1yr FRISA issue 10.

Only reason i opened 3 was the transfers were done a 3 seperate times so saved having to phone them up or send in paper transfer form. They should have it set up so additional transfers can be made online.

gt94sss2

Aidanmc said:

badger09 said:

pookey said:

Aidanmc said:

pookey said:

flaneurs_lobster said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Obviously not the same transfer but I've just completed Chip Cash ISA --> VM 5.05% ISA today 16/8. Request was a paper form completed in VM branch last Friday 9/8. Pretty slick from both parties I thought.

Thank you that's great. I already have the VM 5.05 isa, i wish we could open more then one 😅

Can you not open more than 1?

I have a couple of the earlier 5.25% version

When i opened it, i did an account switch at the same time and i called up to double check some details. The lady I spoke to said i could only have one but I'll double check as I've noticed that sometimes they give incorrect information 😅

I’ve just checked T&Cs (on my phone so DYOR) but can’t see any such restriction. VM allow you to subscribe ie pay new money into, only one cash ISA per tax year, but that shouldn’t stop you opening more than one for the purpose of transferring other ISAs in. 

I have 3x VM 1yr FRISA issue 10.

Only reason i opened 3 was the transfers were done a 3 seperate times so saved having to phone them up or send in paper transfer form. They should have it set up so additional transfers can be made online.

Yes, the need for paper ISA transfer forms was very irritating.

Thankfully they can now be done online even if not done at the time of the initial application

https://uk.virginmoney.com/savings/learn/isas/transfer-your-isa/

pookey

badger09 said:

pookey said:

Aidanmc said:

pookey said:

flaneurs_lobster said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Obviously not the same transfer but I've just completed Chip Cash ISA --> VM 5.05% ISA today 16/8. Request was a paper form completed in VM branch last Friday 9/8. Pretty slick from both parties I thought.

Thank you that's great. I already have the VM 5.05 isa, i wish we could open more then one 😅

Can you not open more than 1?

I have a couple of the earlier 5.25% version

When i opened it, i did an account switch at the same time and i called up to double check some details. The lady I spoke to said i could only have one but I'll double check as I've noticed that sometimes they give incorrect information 😅

I’ve just checked T&Cs (on my phone so DYOR) but can’t see any such restriction. VM allow you to subscribe ie pay new money into, only one cash ISA per tax year, but that shouldn’t stop you opening more than one for the purpose of transferring other ISAs in. 

Thank you, I'll definitely look into it

Johnny-Cage

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Just had a email from T212 saying my ISA transfer was cancelled because Chip don’t do partial transfers even thou I am pretty sure I did ask to transfer in full this years tax subscription, I didn’t select previous tax years because I don’t have any. Asked T212 to check what was on the form and resubmitted again 

pookey

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Just had a email from T212 saying my ISA transfer was cancelled because Chip don’t do partial transfers even thou I am pretty sure I did ask to transfer in full this years tax subscription, I didn’t select previous tax years because I don’t have any. Asked T212 to check what was on the form and resubmitted again 

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Just had a email from T212 saying my ISA transfer was cancelled because Chip don’t do partial transfers even thou I am pretty sure I did ask to transfer in full this years tax subscription, I didn’t select previous tax years because I don’t have any. Asked T212 to check what was on the form and resubmitted again 

Thanks for the update. Hope it goes through ok this time as I've decided to open it next week when we are back from holiday 

Johnny-Cage

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Just had a email from T212 saying my ISA transfer was cancelled because Chip don’t do partial transfers even thou I am pretty sure I did ask to transfer in full this years tax subscription, I didn’t select previous tax years because I don’t have any. Asked T212 to check what was on the form and resubmitted again 

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pookey said:

Johnny-Cage said:

pecunianonolet said:

Johnny-Cage said:

Was tempted to jump on trading 212 to max this years allowance out but it’s seems it’s only a matter of time before they drop the rates as well. Maybe might as well just max Chip out so it’s all together 

I have some Euros at Trading 212 and was under the impression that when the ECB started to lower rates they would follow suit. However, they have kept the rate stable since then so there might be good change that the ISA rate of 5.2 remains a little longer competitive.

With daily payments of interest every day counts. Transfer in transactions did take a while in June so unless you pay in fresh money it could take 3 weeks before funds arrive, it may go much quicker now if they have less demand and can process things faster.

Thx for the reply it is fresh cash got 17k dropping in to my current account from my 90 day Oxbury on the 19th. ATM I have 3k sitting in a Chip ISA for this year 

Just in case you didn't know, if you put it in Chip and want to transfer out you have to do the full amount. 

I opened this year allowance with Chip and kept topping it up to avoid going over my PSA. I also took to long to set up a LISA so I can't transfer the money from Chip to my LISA, it's fine but a bit annoying. I have some money maturing next month so I'm just waiting for that to top up my LISA. 

Thx just opened a T212 and requested to transfer 3k plus the interest to T212 from Chip so will see how long it takes, then will transfer the deposit from Oxbury when it lands on the 19th 

Can you please update how long it takes? I might do the same too. Just trying to figure out what to put where 😅

Just had a email from T212 saying my ISA transfer was cancelled because Chip don’t do partial transfers even thou I am pretty sure I did ask to transfer in full this years tax subscription, I didn’t select previous tax years because I don’t have any. Asked T212 to check what was on the form and resubmitted again 

Thanks for the update. Hope it goes through ok this time as I've decided to open it next week when we are back from holiday 

A little update spoke to Chip, The reason the ISA transfer was rejected was because I never selected transfer previous years. I don’t have any previous years with Chip so deselected it, so if you select full and this year only they class it as a partial transfer. Seems rather weird that to me 

schiff

Principality

I've searched but can't find - is their Online Bonus 5 Access Cash ISA due to be reduced from 5.00%?

TIA 

Kazza242

schiff said:

Principality

I've searched but can't find - is their Online Bonus 5 Access Cash ISA due to be reduced from 5.00%?

TIA 

Yes, the Principality BS Online Bonus 5 Access ISA interest rate is due to be reduced from 5.00% to 4.75% w.e.f 12th September 2024.  

The new rate is displayed on a banner, which is located at the top of the product page, here.  

qsk

Newcastle 5% Single Access ISA is also reducing to 4.75% from 9th Sep: Newcastle Single Access ISA (Issue 1)

Aidanmc

Aidanmc said:

Bridlington1 said:

West Brom Interest Rate Reductions From 16/9/24:

Of note the following NLA ISAs will reduce:

Regarding the 60 day notice accounts i thought the interest rate reduction notification period would also have been 60 days....but not so.

I have the Issue 2 and will give 60 day notice, but by then there may not be any better

Email from West Brom stating the 60 day notice period will be waived.

Make sure your account is still right for you

You may consider moving your savings following this change. If you want to do this, we will waive any notice period or withdrawal charges that may normally apply on your account(s) for any withdrawals completed up to (and including) 31 October 2024.