Cash ISAs: The Best Currently Available List

Aidanmc

unclebatman said:

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 Aidenmc. 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

So, to qualify for the boosted rate you have to fund the ISA within 10 days of opening?

Is that correct?

Have you used 24/25 ISA allowance?

Aidanmc

unclebatman said:

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 Aidenmc. 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

Which barclays ISA do you have.

Their  fixed rate flexible ISA  allows 3 withdrawals during the term up to 10% of the balance.

I'm wondering if you can do a partial transfer to 212 immediately without any loss of interest from Barclays?

Barclays would need to allow partial transfers out and 212 would need to accept partial transfers?

Just an idea but you would need to research more

unclebatman

Aidanmc said:

unclebatman said:

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 Aidenmc. 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

Which barclays ISA do you have.

Their  fixed rate flexible ISA  allows 3 withdrawals during the term up to 10% of the balance.

I'm wondering if you can do a partial transfer to 212 immediately without any loss of interest from Barclays?

Barclays would need to allow partial transfers out and 212 would need to accept partial transfers?

Just an idea but you would need to research more

Hi Aidanmc,

All sorted. Posting this in case it's useful for others. 
The rate expires in 10 days, but basically that means you have to fund the account (with as little as £1) to "activate" the booster rate. Once that's done, that's the rate for year 1. 
I've added £1 and already see the boosted rate appearing. They've confirmed in the chat that will be my rate for future deposits or transfers (obviously subject to general rate review as it's a variable rate ISA)

bripat

unclebatman said:

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

Just add £1 then you keep that rate .

surreysaver

• Principality BS Online Bonus 5 Access Cash ISA (issue 3) - 4.55% **New**
  Minimum deposit: £1.
  Operated via: Internet.
  Notes: This is a flexible cash ISA. Allows 5 penalty-free withdrawals per tax year.
  Important: Rate includes a 1.40% bonus for the first 12 months.
  .

The bonus rate on the Principality Bonus Issue 5 is 1.55%, making the combined rate 4.7%

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-5-access-cash-isa

flaneurs_lobster

surreysaver said:

Kazza242 said:

Cash ISAs: The Best Currently Available List

The bonus rate on the Principality Bonus Issue 5 is 1.55%, making the combined rate 4.7%

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-5-access-cash-isa

@surreysaver you make a valid and useful point, but please don't quote the entire post.

ccluedo

Virgin 1 year fixed cash Isa now down to 4.1%

ccluedo

Am I correct in thinking that where transfers in are allowed, u can open an account and just transfer in without adding any "new" funds? (cash Isa) 

surreysaver

flaneurs_lobster said:

surreysaver said:

Kazza242 said:

Cash ISAs: The Best Currently Available List

The bonus rate on the Principality Bonus Issue 5 is 1.55%, making the combined rate 4.7%

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-5-access-cash-isa

@surreysaver you make a valid and useful point, but please don't quote the entire post.

Apologies. It never occurred to me I could cut the quote down 

flaneurs_lobster

ccluedo said:

Am I correct in thinking that where transfers in are allowed, u can open an account and just transfer in without adding any "new" funds? (cash Isa) 

Would be down to the rules of a particular ISA but sounds entirely usual.

Have been recent threads where people have opened an ISA and added a small amount in order to secure an expiring special offer, with the intention of transferring-in at a later date.