Cash ISAs: The Best Currently Available List

2010

Charter ISA options on maturity include do nothing and it rolls into an easy access variable ISA paying 4.3% currently, keeping the same sort and account number.
Ideal if you intend to transfer to another provider or just want a variable rate ISA.
Pity other providers don`t do the same.
Some roll it into a measily 0.10% variable ISA.

Growingold

gwapenut said:

Growingold said:

May have been mentionedbefore if so apologies.

Have just seen Marsden online easy Access ISA at 4.85% .  Min to open £5,000 though.  Accepts transfers in of past and current years contributions.

Just to note, it's postal transfers only, not electronic

Also not flexible though deposits can be made throughout the 24/25 tax year

Bridlington1

Growingold said:

gwapenut said:

Growingold said:

May have been mentionedbefore if so apologies.

Have just seen Marsden online easy Access ISA at 4.85% .  Min to open £5,000 though.  Accepts transfers in of past and current years contributions.

Just to note, it's postal transfers only, not electronic

Also not flexible though deposits can be made throughout the 24/25 tax year

One useful thing about it though is that Marsden BS allows deposits by debit card online. 

SickGroove

2010 said:

Charter ISA options on maturity include do nothing and it rolls into an easy access variable ISA paying 4.3% currently, keeping the same sort and account number.
Ideal if you intend to transfer to another provider or just want a variable rate ISA.
Pity other providers don`t do the same.
Some roll it into a measily 0.10% variable ISA.

Where can you locate the sort code & account number with Charter? I thought they only gave you a long reference which contains part of your surname.

changearound1

SickGroove said:

2010 said:

Charter ISA options on maturity include do nothing and it rolls into an easy access variable ISA paying 4.3% currently, keeping the same sort and account number.
Ideal if you intend to transfer to another provider or just want a variable rate ISA.
Pity other providers don`t do the same.
Some roll it into a measily 0.10% variable ISA.

Where can you locate the sort code & account number with Charter? I thought they only gave you a long reference which contains part of your surname.

.
Charter's sort code and account number are 20-19-90 and 83495248. This are generic details for all Charter savings accounts - you will also need to provide your specific reference.

pecunianonolet

Can somebody explain this product to me please and how they make up the 6.25%? Am I not better placed to keep everything in an ISA straight away when I am subject to higher rate taxation?

https://uk.virginmoney.com/investments/ebond-exclusive

Middle_of_the_Road

I was looking at this a while ago. The 6.25% is by the way of a 2% bonus on a fixed rate bond if you open their S&S ISA.

https://forums.moneysavingexpert.com/discussion/6550697/2-bonus-on-virgin-1-year-bond#latest

pecunianonolet

Just seen in the MSE newsletter that there is an option to receive a boost for the Chip ISA. I don't think it is possible to transfer funds away, close the ISA account and reopen with the code and transfer funds back in within the given timeframe.  Can't think of another work around but great for those not currently using a cash ISA with Chip and able to benefit from this.

flaneurs_lobster

Don't think Chip will allow you back if you close an existing cash ISA, so timescales are irrelevant.

csw5780

pecunianonolet said:

Just seen in the MSE newsletter that there is an option to receive a boost for the Chip ISA. I don't think it is possible to transfer funds away, close the ISA account and reopen with the code and transfer funds back in within the given timeframe.  Can't think of another work around but great for those not currently using a cash ISA with Chip and able to benefit from this.

The code only works for customers new to Chip for the first 14 days.