Cash ISAs: The Best Currently Available List

nomorekids

csw5780 said:

nomorekids said:

Has anyone saved the details of the Saffron Regular Saver ISA at 4.75%, I cant find ? the one that was around April of this year? 

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions It should be here 👍🏻

https://web.archive.org/web/20240406072654/https://www.saffronbs.co.uk/savings/cash-isas/regular-saver-isa

thanks your links worked when my saved link went to the previous years 4.25% offering. I seem to remember the rate being fixed at 4.75% and this is what I m querying. At the time, it was between this one 4.75% and Melton at variable 5%. The above show rate as variable, did Saffron change the terms?

flaneurs_lobster

nomorekids said:

csw5780 said:

nomorekids said:

Has anyone saved the details of the Saffron Regular Saver ISA at 4.75%, I cant find ? the one that was around April of this year? 

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions It should be here 👍🏻

https://web.archive.org/web/20240406072654/https://www.saffronbs.co.uk/savings/cash-isas/regular-saver-isa

thanks your links worked when my saved link went to the previous years 4.25% offering. I seem to remember the rate being fixed at 4.75% and this is what I m querying. At the time, it was between this one 4.75% and Melton at variable 5%. The above show rate as variable, did Saffron change the terms?

Interesting, in the Summary Box - 

What is the interest rate? The interest rate for this account is fixed for the term and can't be changed.

Can Saffron Building Society change the interest rate? The interest rate for this account is variable. This means we can change it at any time. You can find full details in our Savings Terms and Conditions.

At least one of these statements is true.

pokemaster

Trading 212

5.2% to 5% - 9th Sept

qbadger

Trading 212

Due to the Bank of England’s recent interest rate cut, we’ll decrease the interest rate on GBP (Pound Sterling) from 5.2% to 5% effective as of 9 September 2024.

nomorekids

flaneurs_lobster said:

nomorekids said:

csw5780 said:

nomorekids said:

Has anyone saved the details of the Saffron Regular Saver ISA at 4.75%, I cant find ? the one that was around April of this year? 

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions It should be here 👍🏻

https://web.archive.org/web/20240406072654/https://www.saffronbs.co.uk/savings/cash-isas/regular-saver-isa

thanks your links worked when my saved link went to the previous years 4.25% offering. I seem to remember the rate being fixed at 4.75% and this is what I m querying. At the time, it was between this one 4.75% and Melton at variable 5%. The above show rate as variable, did Saffron change the terms?

Interesting, in the Summary Box - 

What is the interest rate? The interest rate for this account is fixed for the term and can't be changed.

Can Saffron Building Society change the interest rate? The interest rate for this account is variable. This means we can change it at any time. You can find full details in our Savings Terms and Conditions.

At least one of these statements is true.

thank you, any ideas how to resolve this? did anyone find out from them?

pookey

2010 said:

VM the current 1yr exclusive @ 5.05% must be due to be cut given the nearest rival is down at 4.70% and others have cut lower,
The current 5.05% has a maturity of 29/8/25.
So it could be cut after this comng Thursday.

Can i open it but transfer money in at a later date? 
I have one previous tax year ISA maturing next month. 

Also will probably need to fix my variable ISA for this year in the near future but i have a RS  maturing in October. Do i need to fund it within 6 weeks and then do they give another month to top it up pls? 

Kim_13

flaneurs_lobster said:

nomorekids said:

csw5780 said:

nomorekids said:

Has anyone saved the details of the Saffron Regular Saver ISA at 4.75%, I cant find ? the one that was around April of this year? 

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions It should be here 👍🏻

https://web.archive.org/web/20240406072654/https://www.saffronbs.co.uk/savings/cash-isas/regular-saver-isa

thanks your links worked when my saved link went to the previous years 4.25% offering. I seem to remember the rate being fixed at 4.75% and this is what I m querying. At the time, it was between this one 4.75% and Melton at variable 5%. The above show rate as variable, did Saffron change the terms?

Interesting, in the Summary Box - 

What is the interest rate? The interest rate for this account is fixed for the term and can't be changed.

Can Saffron Building Society change the interest rate? The interest rate for this account is variable. This means we can change it at any time. You can find full details in our Savings Terms and Conditions.

At least one of these statements is true.

I copied this from the interest rate section:

The interest rate for this account is fixed for the term and can't be changed.

If your account falls below the minimum balance, the interest rate we'll pay you will reduce to 0.05% Gross p.a/AER variable*

So it is a variable rate if you have less than £10.00 in.

Presumably if there is any ambiguity the interpretation most favourable to the consumer will apply, so there would be grounds for complaint if it were lowered.

2010

pookey said:

2010 said:

VM the current 1yr exclusive @ 5.05% must be due to be cut given the nearest rival is down at 4.70% and others have cut lower,
The current 5.05% has a maturity of 29/8/25.
So it could be cut after this comng Thursday.

Can i open it but transfer money in at a later date? 
I have one previous tax year ISA maturing next month. 

Also will probably need to fix my variable ISA for this year in the near future but i have a RS  maturing in October. Do i need to fund it within 6 weeks and then do they give another month to top it up pls? 

First you need their current M Plus account to apply for the 1yr fixed ISA issue 14.
During your ISA application you will be given the chance to transfer in an ISA from other providers, which must have a maturity date within six weeks.
You can also make a transfer request at a later date online as long as the issue is open and up to 30 days after.

2010

2010 said:

VM the current 1yr exclusive @ 5.05% must be due to be cut given the nearest rival is down at 4.70% and others have cut lower,
The current 5.05% has a maturity of 29/8/25.
So it could be cut after this comng Thursday.

Pulled, now at 4.75%. issue 15

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_15/

PRAISETHESUN

2010 said:

2010 said:

VM the current 1yr exclusive @ 5.05% must be due to be cut given the nearest rival is down at 4.70% and others have cut lower,
The current 5.05% has a maturity of 29/8/25.
So it could be cut after this comng Thursday.

Pulled, now at 4.75%. issue 15

https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_15/

Issue 14 will have 30 days from today then to make any remaining deposits