Cash ISAs: The Best Currently Available List

kaMelo

TooOrangeyForCrows said:

As for the FSCS protection. Is that supposed to be easily visible or do I have to go searching in the TLCs?

https://moneyfactscompare.co.uk/savings-accounts/guides/fscs-explained-are-my-uk-savings-protected/

All banks and building societies listed by Moneyfactscompare.co.uk are covered by a depositor protection scheme that would cover your money in the event the institution in question went bust.

This applies to offshore banks as well as UK-based entities.

Most UK savers will be covered under the UK scheme (the Financial Services Compensation Scheme), which covers up to £85,000 per person per banking licence.

In the list of providers click on the "view further details" of a product and scroll to the bottom. Under the heading "How safe is your money?" it will tell you how  your money is protected.

flaneurs_lobster

TooOrangeyForCrows said:

As for the FSCS protection. Is that supposed to be easily visible or do I have to go searching in the TLCs?

Any institution that has FSCS protection for it's products will display the logo and boilerplate text (fairly) prominently on their website. Will also have their Firm Reference Number, unique to the entity offering the product, useful when institutions have similar names to each other or are different legal entities of the same company.

Of course that may be true of deviant, malicious sites too.  

https://www.fscs.org.uk/check/ is the place to look up the company, will also give warnings if it knows of any look-alikes or clones.
 

S_uk

Aidanmc said:

Paragon Double Access Cash ISA 4.8%

https://www.paragonbank.co.uk/savings/cash-isas/double-access-cash-isa

As this says you need to pay in an opening deposit of minimum £1000, would a transfer of an ISA from elsewhere count as a deposit for this purpose?

refluxer

S_uk said:

Aidanmc said:

Paragon Double Access Cash ISA 4.8%

https://www.paragonbank.co.uk/savings/cash-isas/double-access-cash-isa

As this says you need to pay in an opening deposit of minimum £1000, would a transfer of an ISA from elsewhere count as a deposit for this purpose?

Yes, although I would presume that the transfer also has to be a minimum of £1000.

The only cash ISAs that will have a mandatory requirement to pay in new subscriptions are those which don't accept transfers-in.

VNX

TooOrangeyForCrows said:

As for the FSCS protection. Is that supposed to be easily visible or do I have to go searching in the TLCs?

https://www.fscs.org.uk/check/check-your-money-is-protected/

pecunianonolet

Virgin Money

Easy Access Cash ISA Exclusive Issue 2 (NLA) reducing from 4.76% to 4.51% on 24th February 2025

Source: Email

Expotter

Paragon Bank Double Access ISA Issue 6 rate reducing from 4.87% to 4.55% on 3/1/25

Previous AER* New AER* Effective from Higher rate 4.87% 4.55% 03 Jan 2025 Lower rate 1.50% 1.25% 03 Jan 2025

Source: Email this morning

Gambler

Monument bank is a flexible ISA according to their website. OP states that it is not flexible.

Shame no transfers in until 'early 2025'

soulsaver

Gambler said:

Monument bank is a flexible ISA according to their website. OP states that it is not flexible.

Shame no transfers in until 'early 2025'

And the £10k minimum is reduced to £1 for existing customers.

Aidanmc

Expotter said:

Paragon Bank Double Access ISA Issue 6 rate reducing from 4.87% to 4.55% on 3/1/25

Previous AER* New AER* Effective from Higher rate 4.87% 4.55% 03 Jan 2025 Lower rate 1.50% 1.25% 03 Jan 2025

Source: Email this morning

 

Edit . I though this was the most recent one, but now i see Issue 7 is,