Cash ISAs: The Best Currently Available List

1spiral

StayinAlive said:

surreysaver said:

I don't have that particular account, but was sent an email from Principality on 19th November advising me of the reductions in the interest rates on 5th December of the accounts hold with them.

Looks like I applied after the notice was given but before it actually took place. Ah well, it was only 0.15% Thanks all.

StayinAlive said:

surreysaver said:

I don't have that particular account, but was sent an email from Principality on 19th November advising me of the reductions in the interest rates on 5th December of the accounts hold with them.

Looks like I applied after the notice was given but before it actually took place. Ah well, it was only 0.15% Thanks all.

That's one of my pet hates. If you open an account after notice has been given or don't have the required minimum (usually £100) at the time notice is given but subsequently deposit funds, you are never told of the forthcoming change in rate.

FluffyKatzen

I would like to open an ISA with T212. My fixed rate ISA with Lloyds comes to an end today. I have maxed out my ISA allowance. I see some ISA providers want an opening balance, I can’t transfer any money as I have maxed out my allowance, am I still able to open a T212 ISA without an initial deposit? Thanks 

PRAISETHESUN

FluffyKatzen said:

I would like to open an ISA with T212. My fixed rate ISA with Lloyds comes to an end today. I have maxed out my ISA allowance. I see some ISA providers want an opening balance, I can’t transfer any money as I have maxed out my allowance, am I still able to open a T212 ISA without an initial deposit? Thanks 

Transferring existing subscriptions doesn't count towards your annual ISA allowance, so you can transfer your balance from Lloyds to another provider of choice when it matures. Just make sure to use the ISA transfer process (typically involves filling out a form with your new provider) rather then withdrawing and redepositing the money yourself.

2010

Charter have pulled their 1yr fix ISA paying 4.5% today.

[Deleted User]

Am I being overly optimistic here......

Are there usually many new or boosted ISA offers come the new tax year?

I've almost maxed out this years allowance but as rates fall I may (well I probably will) prioritise the regular savings I have unless I see some better ISA rates.

silvermum

Looks like the United Trust Bank Cash ISA 1 Year Bond has dropped to 4.35%   

silvermum

You can still get 4.5% with Coventry BS for a slightly longer FRISA which matures 31 May 26 https://www.coventrybuildingsociety.co.uk/member/product/savings/cash_isa/centrepoint-fixed-isa-31-05-2026.html

nottsphil

silvermum said:

You can still get 4.5% with Coventry BS for a slightly longer FRISA which matures 31 May 26 https://www.coventrybuildingsociety.co.uk/member/product/savings/cash_isa/centrepoint-fixed-isa-31-05-2026.html

I note that partial transfers in are not allowed (unless there are no current year subscriptions within it?) but the reason given is completely nonsensical!
I'm thinking of transferring in my long-term YBS cash ISA which I think is paying 4.3%.
Also, you cannot proceed online without accepting advertising cookies.

spreadsheeterapple

nottsphil said:

Also, you cannot proceed online without accepting advertising cookies. (Coventry BSoc)

yes
Cookies are an annoying feature of almost all website use
- I particularly don't like those tracking which websites I have been to before using the particular financial institution where I have accounts, and the cookies tracking where I go to next
- therefore I actively delete cookies before and after my account visit, even for those websites where I then have to use the full log-in process. Feels safer.

I use a desktop computer, it's easy to delete cookies & browsing history and doesn't mess up my other functions; not sure it's as easy on smartphones? I haven't got one, so I'm not sure if I'm suggesting something which messes up other things on the phone.

badger09

Coventry Centrepoint ISA

I decided to lock in FR @ 4.5% & xfer from a  Virgin Money variable rate @ 4.51%

Opened Coventry ISA & requested xfer in OLB Sat 8/2. Slightly concerned at no acknowledgement, but transfer completed today 11/2. 

Exactly how it should work but doesn’t always.