Cash ISAs: The Best Currently Available List

Johnny-Cage

dlevene said:

Excellent. T212's willingness to nudge the rate up to be at the top of the table - at a time of savings rates generally declining - is the account's best feature.

How long will it last with the BOE expected to drop the base rate on the 7th Nov 

pecunianonolet

Johnny-Cage said:

dlevene said:

Excellent. T212's willingness to nudge the rate up to be at the top of the table - at a time of savings rates generally declining - is the account's best feature.

How long will it last with the BOE expected to drop the base rate on the 7th Nov 

Trading not directly lowered rates last time and gave around 10-12 days notice, for Euro rates it is even more notice just now (dropping on 1st November). So if rates go don on 7th we may be lucky to get the rate until around mid November or beyond.

s71hj

pecunianonolet said:

Johnny-Cage said:

dlevene said:

Excellent. T212's willingness to nudge the rate up to be at the top of the table - at a time of savings rates generally declining - is the account's best feature.

How long will it last with the BOE expected to drop the base rate on the 7th Nov 

Trading not directly lowered rates last time and gave around 10-12 days notice, for Euro rates it is even more notice just now (dropping on 1st November). So if rates go don on 7th we may be lucky to get the rate until around mid November or beyond.

It gives the impression of an institution that wishes to stay top of the best buy tables which is encouraging given I'll likely put my whole year isa allowance in there.

mebu60

Investors Chronicle:
The government will freeze allowances for Isas, Lifetime Isas and Junior Isas at their current levels until 2030, in a blow to investors. Annual limits on the trio will remain at £20,000, £4,000 and £9,000 respectively. Labour also confirmed it would not go ahead with the £5,000 British Isa allowance, to solely invest in domestic shares, as proposed by the last Tory government.

A 'blow' would've been a reduction! 

Edit:  Apologies, already being discussed here:
ISA changes (or lack of changes) in the Autumn 2024 budget — MoneySavingExpert Forum

pecunianonolet

mebu60 said:

Investors Chronicle:
The government will freeze allowances for Isas, Lifetime Isas and Junior Isas at their current levels until 2030, in a blow to investors. Annual limits on the trio will remain at £20,000, £4,000 and £9,000 respectively. Labour also confirmed it would not go ahead with the £5,000 British Isa allowance, to solely invest in domestic shares, as proposed by the last Tory government.

A 'blow' would've been a reduction! 

Agree, a blow would have been a reduction or any other change so welcome news that nothing is changing (for now and until the next budget). How many "working people" can fill year after year their 20k ISA allowance anyway. Luckily, I am in that camp now, when 5 years ago this was unthinkable.  

slinger2

mebu60 said:

Investors Chronicle:
The government will freeze allowances for Isas, Lifetime Isas and Junior Isas at their current levels until 2030, in a blow to investors. Annual limits on the trio will remain at £20,000, £4,000 and £9,000 respectively. Labour also confirmed it would not go ahead with the £5,000 British Isa allowance, to solely invest in domestic shares, as proposed by the last Tory government.

A 'blow' would've been a reduction! 

Edit:  Apologies, already being discussed here:
ISA changes (or lack of changes) in the Autumn 2024 budget — MoneySavingExpert Forum

This is the 8th year in a row at £20k and we can look forward to another 5 years or more at that level. Of course this is an annual allowance and the amount held in ISA continues to grow and grow. It'll be a trillion pounds soon.

1spiral

Just discovered the list at the start of this thread. Very useful however @Kazza242 I was looking to improve my Newcastle BS SAS Iss1 and noticed you have that as paying 5.0%. It is currently 4.75% and is also no longer available to new applications.

Nick_C

@Kazza242

Virgin Money Easy Access Cash ISA Exclusive (issue 2) - 4.76%

Has been replaced with Issue 3 paying 4.51%

2010

Cuts coming in before the BoE meeting on Nov. 7th.
Although a cut by the BoE is not a foregone conclusion.

john1950

I have 2 fixed rate ISA maturing at the end of November, one with Coventry and one Virgin exclusive ISA. I would like to put them both in the Virgin Exclusive one year fixed rate at 4.51% but not at all sure if it is possible this far ahead of the maturity dates. I seem to remember something about only having 14 days to fund an ISA or it is closed. 
Anyone any experience with this please.