Cash ISAs: The Best Currently Available List

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

2010

PRAISETHESUN said:

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

And AFAIK, six weeks for any transfers in from other providers.

thor

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/

Damn it, I was looking for somewhere to transfer an existing isa to but had neglected issue 14 as I already had a 5.05% ISA with VM and didn't think you could open another one.

RG2015

The Virgin Money exclusive easy access issue 2, 4.76% has been replaced with issue 3 at 4.51%.

I expect those on issues 1 and 2 will also have the rate reduced although VM will give a minimum of 2 months notice.

GalacticaActual

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/

I opened my Fixed Rate Cash ISA just in time then over the bank holiday weekend.

I received the welcome letter in the post this morning confirming that my shiny new account, issue 14, has been opened. I need to send the last page of the letter back as they require a sample of my signature.

I also opened the M Plus Current Account at the same time to take advantage of their 10% regular saver, although that will be withdrawn from sale on Friday this week.

Hopefully the requested partial transfer of a Cash ISA from another provider, which I initiated on Sunday, will be processed without a hitch. 🤞

2010

Text from VM 1yr fix ISA issue 14 confirming you can add money until 5pm on 27/09/2024.

benny5

If an ISA is opened, partially funded, then closed within the ’cooling off’ period can another ISA be opened in the same financial year? This is further complicated by the fact I’ve now been paid interest (£2.30) for the brief period the ISA existed.