Cash ISAs: The Best Currently Available List

gt94sss2

Kotokos said:

Since when did Trading212's cash ISA increase to 5.10% AER?    I'm getting 4.90 AER, is there some link to get the 12 months bonus element?

There is a one year 0.2% bonus for new customers only.

https://www.moneysavingexpert.com/savings/best-cash-isa/

gt94sss2

Kotokos said:

gt94sss2 said:

Kotokos said:

Since when did Trading212's cash ISA increase to 5.10% AER?    I'm getting 4.90 AER, is there some link to get the 12 months bonus element?

There is a one year 0.2% bonus for new customers only.

https://www.moneysavingexpert.com/savings/best-cash-isa/

Ah right it says it's a Promo Rate for applicants via moneyfactscompare.... .  I can't find a specific mention for new customers only, so, is it possible as an existing customer to open a new ISA via moneyfacts... then transfer funds from old to new, or are the rules one cash isa per customer per institution? Close it, open a new one maybe

The terms and conditions say that one needs to be a totally new T212 customer.

Closing and opening an account would disqualify you under Clause 4/5.

I found them at  https://helpcentre.trading212.com/hc/en-us/articles/24412434544797-Cash-ISA-Bonus-rate

ToastLady

gt94sss2 said:

Tembo have launched a Cash ISA paying 4.8% AER

https://www.tembomoney.com/savings/cash-isa

This is in addition to their existing Lifetime ISA which also offers 4.8%

https://www.tembomoney.com/savings/cash-lifetime-isa

Thanks, just had a look, but not for me, their cash ISA isn't flexible.

JJM03

Opened Cash ISA with Trading 212 on 14th Jan as a new customer. Received a 0.15% uplift. Noticed a couple of days later that they were offering 0.2%. Apparently they increased the rate only 3 days after the start of their promotion. Anyone else experience this? What was the earliest date you managed to get the higher offer? Thanks.

gt94sss2

Kotokos said:

gt94sss2 said:

Kotokos said:

gt94sss2 said:

Kotokos said:

Since when did Trading212's cash ISA increase to 5.10% AER?    I'm getting 4.90 AER, is there some link to get the 12 months bonus element?

There is a one year 0.2% bonus for new customers only.

https://www.moneysavingexpert.com/savings/best-cash-isa/

Ah right it says it's a Promo Rate for applicants via moneyfactscompare.... .  I can't find a specific mention for new customers only, so, is it possible as an existing customer to open a new ISA via moneyfacts... then transfer funds from old to new, or are the rules one cash isa per customer per institution? Close it, open a new one maybe

The terms and conditions say that one needs to be a totally new T212 customer.

Closing and opening an account would disqualify you under Clause 4/5.

I found them at  https://helpcentre.trading212.com/hc/en-us/articles/24412434544797-Cash-ISA-Bonus-rate

Where are you looking?

The link at the bottom which says "For more information check out the T&C" which leads to https://www.trading212.com/legal-documentation/uk/cash-isa/Promotional-Terms_EN.pdf

pecunianonolet

JJM03 said:

Opened Cash ISA with Trading 212 on 14th Jan as a new customer. Received a 0.15% uplift. Noticed a couple of days later that they were offering 0.2%. Apparently they increased the rate only 3 days after the start of their promotion. Anyone else experience this? What was the earliest date you managed to get the higher offer? Thanks.

You have 14 days cooling off so you might be able to withdraw from your signup and reapply with the higher rate? 

soulsaver

pecunianonolet said:

JJM03 said:

Opened Cash ISA with Trading 212 on 14th Jan as a new customer. Received a 0.15% uplift. Noticed a couple of days later that they were offering 0.2%. Apparently they increased the rate only 3 days after the start of their promotion. Anyone else experience this? What was the earliest date you managed to get the higher offer? Thanks.

You have 14 days cooling off so you might be able to withdraw from your signup and reapply with the higher rate? 

You'd not qualify for the bonus at all then.

The 14 days applies to the account - the offer applies to new registrations. Even if you close the account you'd still be registered, meaning you're no longer a new customer. 

unclebatman

I've just opened a Trading 212 ISA with the MSE link to access the boosted rate to 5.1% variable. 
My current ISA with Barclays matures on 04 February and when I go to transfer current ISA option within Trading 212 it doesn't appear to give a deferred date. When I look it says the boosted rate expires in 10 days, so looks like I'd miss out if waiting for my maturity date with Barclays? Has anyone any experience of this? Have raised a ticket for a chat with 212 but no response so far. 
Any help appreciated. 

Aidanmc

unclebatman said:

I've just opened a Trading 212 ISA with the MSE link to access the boosted rate to 5.1% variable. 
My current ISA with Barclays matures on 04 February and when I go to transfer current ISA option within Trading 212 it doesn't appear to give a deferred date. When I look it says the boosted rate expires in 10 days, so looks like I'd miss out if waiting for my maturity date with Barclays? Has anyone any experience of this? Have raised a ticket for a chat with 212 but no response so far. 
Any help appreciated. 

Trading 212 dont give option of 'wait until maturity' unfortunately.

You'll have to wait until your current fixed isa matures before making isa transfer request on 212.

Have you no other easy access Isa's you can transfer or partially transfer immediately to benefit from the boosted rates?

I dont know the specific terms of the 212 boosted rate as it doesnt apply to me.

unclebatman

Aidanmc said:

unclebatman said:

I've just opened a Trading 212 ISA with the MSE link to access the boosted rate to 5.1% variable. 
My current ISA with Barclays matures on 04 February and when I go to transfer current ISA option within Trading 212 it doesn't appear to give a deferred date. When I look it says the boosted rate expires in 10 days, so looks like I'd miss out if waiting for my maturity date with Barclays? Has anyone any experience of this? Have raised a ticket for a chat with 212 but no response so far. 
Any help appreciated. 

Trading 212 dont give option of 'wait until maturity' unfortunately.

You'll have to wait until your current fixed isa matures before making isa transfer request on 212.

Have you no other easy access Isa's you can transfer or partially transfer immediately to benefit from the boosted rates?

I dont know the specific terms of the 212 boosted rate as it doesnt apply to me.

Thanks Aidanmc. The whole point of me opening the 212 account was to get access to the boosted rate as I only have one ISA to transfer. It'd be such a shame to miss out by just a few days if that is the case