Cash ISAs: The Best Currently Available List

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.

gt94sss2

Lightyear are now offering a flexible Cash ISA. It currently pays 4.75% and the rate tracks the base rate. 

https://lightyear.com/en-gb/cash-isa

Aidanmc

Close Brothers 1YR Fixed Cash ISA 4.55%

https://www.closesavings.co.uk/personal/savings-accounts/fixed-rate-cash-ISA/1-year?utm_source=Moneyfacts&utm_medium=PPC&utm_campaign=1+YR+FRISA+&utm_id=2025-3

Emily_Joy

Aidanmc said:

Close Brothers 1YR Fixed Cash ISA 4.55%

https://www.closesavings.co.uk/personal/savings-accounts/fixed-rate-cash-ISA/1-year?utm_source=Moneyfacts&utm_medium=PPC&utm_campaign=1+YR+FRISA+&utm_id=2025-3

To add: £10K minimum deposit, transfer instructions should be received within 10 days of the account opening. I am currently looking for a new home for an ISA maturing on 23rd of February, but it looks like it is too early to apply for this one...

Aidanmc

Emily_Joy said:

Aidanmc said:

Close Brothers 1YR Fixed Cash ISA 4.55%

https://www.closesavings.co.uk/personal/savings-accounts/fixed-rate-cash-ISA/1-year?utm_source=Moneyfacts&utm_medium=PPC&utm_campaign=1+YR+FRISA+&utm_id=2025-3

To add: £10K minimum deposit, transfer instructions should be received within 10 days of the account opening. I am currently looking for a new home for an ISA maturing on 23rd of February, but it looks like it is too early to apply for this one...

From what i understand, as long as transfer instructions are received within 10 days that should be enough.

I would think there is a 'wait until maturity before proceeding with the transfer' option on the Close Bros transfer application.

'We guarantee to pay the advertised interest rate if your full cash deposit is paid into the account and/or ISA transfer instructions are received within 10 calendar days.'

soulsaver

Emily_Joy said:

Aidanmc said:

Close Brothers 1YR Fixed Cash ISA 4.55%

https://www.closesavings.co.uk/personal/savings-accounts/fixed-rate-cash-ISA/1-year?utm_source=Moneyfacts&utm_medium=PPC&utm_campaign=1+YR+FRISA+&utm_id=2025-3

To add: £10K minimum deposit, transfer instructions should be received within 10 days of the account opening. I am currently looking for a new home for an ISA maturing on 23rd of February, but it looks like it is too early to apply for this one...

Option 2 from their transfer form:   " 2. Wait for the full notice period to end or wait until the maturity date (whichever is relevant) before going ahead with this transfer (Please note if the notice period takes us beyond 30 days, your application will be cancelled and subject to new terms available at the time.)"

DragonQ

gt94sss2 said:

Lightyear are now offering a flexible Cash ISA. It currently pays 4.75% and the rate tracks the base rate. 

https://lightyear.com/en-gb/cash-isa

Any info on this? I'm looking for a cash ISA that:

• is flexible
• has no withdrawal or minimum balance limits
• has no restrictions for transferring out
• allows instant withdrawals

Trading212 ticks the first 3 boxes but not the last. Basically I need to replace my Chip cash ISA because they literally don't let you have one ever again once you transfer out (and I want to move some cash to S&S).

EDIT: Bah, looks like they don't offer instant withdrawals either:

Once requested, withdrawals may take up to 2 business days to be sent out to your requested bank account. Once sent out, the money will typically land in your account in an hour or two.

I think Zopa is my best option currently. 4.55% (with the 1st year bonus) and ticks all 4 of my boxes, according to their website anyway!

poppystar

Family Building Society Market Tracker ISA 4.55%

Virgin Defined Access Cash E-ISA 4.51%

- can’t see either of these in the list yet

DragonQ

If I put £15k into a flexible cash ISA in FY 24/25, then transfer that entirely to a S&S ISA, I assume I can still put up to £5k into a second flexible cash ISA with a different provider in FY 24/25?

Aidanmc

DragonQ said:

If I put £15k into a flexible cash ISA in FY 24/25, then transfer that entirely to a S&S ISA, I assume I can still put up to £5k into a second flexible cash ISA with a different provider in FY 24/25?

Yes, you still have 5k allowance for 24/25.