Cash ISAs: The Best Currently Available List

etienneg

I've just been looking from links in the early pages above. Under 1 year fixes, Charter SB now down to 4.4% and Kent Reliance are on to issue 114 at 4.39%. I haven't looked at others ...

LL_USS

I have just opened a fixed rate ISA with Close Brothers and am trying to transfer Trading 212 out to this new account. Not sure if it'll go through yet has Trading 212 does not have a sort code, just an account number.

Those smaller providers like Trading 212, Close Brothers, Hodge banks.... have higher saving rates, but I don't know how good they are. Am trying this time and will see. I have only tried using Money Box, all seemed fine.

Kim_13

Skipton have launched a BOE less 0.25% Tracker. 12 month account and a flexible ISA.

I’ve just opened one in preparation for a transfer later this month and it would be ideal for a family member also. Unfortunately they have no allowance left and nothing they can transfer from without a penalty. Hoping it’ll stick around so that it can be opened for funding on April 7 (as you can only fund Skipton on a working day.) I think I’m right in saying you can transfer only part of a Kent Reliance fix, so could secure the Skipton account by taking a 180 day interest penalty on £1. Might be worth suggesting.

intalex

Kim_13 said:

Skipton have launched a BOE less 0.25% Tracker. 12 month account and a flexible ISA.

Easy 1-minute upgrade from my issue 6 BRT (BoE less 0.35%) to this issue 7 BRT (BoE less 0.25%)... feels good in these times of downward interest rate movements...

VNX

Rich2808 said:

Emily_Joy said:

Just in case anyone else is looking to transfer maturing funds from Skipton Fixed Rate to Coventry, if you send the transfer form before the fixed term ends  instructing to transfer on maturity, you have to request full transfer and closure. Skipton doesn't allow partial transfers in this scenario: the transfer will be rejected. 

What is worse is that Coventry sends you a letter by snail mail informing that the transfer has been rejected and you need to submit the instructions again. So could easily run out of time. 

I am very much put off doing transfers to Coventry by their total disregard for customer's personal data.

I did two transfers to them recently and they sent confirmation letters with the following personal information on the back - 

Full Name
full date of birth
NI number
Home telephone
Work tel
Mobile
Full email address
Full Account numbers of ISA being transferred from and to

None of this was asterisked - or redacted - all this personal data was provided in full in a printed letter sent by standard (not secure) post. And the amount they waste in postage - sending two letters with the same data on the same day!


I can't believe a major building society can be so incompetent to do this - when it is totally unnecessary to include all the personal data they hold on me to confirm an ISA transfer. No one else feels the need to do this!

Surprised they didn't also include my username and password for online banking too!

I did an ISA transfer into Coventry and out so I could split an old ISA I got so many letters from them in the post it was quite ridiculous 

pecunianonolet

I closed a few accounts with Coventry the other day, which I speculatively opened over the last 2 years but some were never used as the market was moving rather quick. I think I closed 5-6 accounts and so did the OH. For each account we got a closing statement and interest statement. That's been ca 20 letters in total. I have opted for digital on everything. At least they print on both sides, which not everyone does. Still, a huge waste of resources.

Digital_Payback

intalex said:

Kim_13 said:

Skipton have launched a BOE less 0.25% Tracker. 12 month account and a flexible ISA.

Easy 1-minute upgrade from my issue 6 BRT (BoE less 0.35%) to this issue 7 BRT (BoE less 0.25%)... feels good in these times of downward interest rate movements...

I am considering doing exactly the same as you, but I notice the new Skipton 0.25% tracker ISA does not allow payment of interest monthly. Maybe not an issue for many, but I think it’s encouraging to see the money accumulate!!

Kim_13

intalex said:

Kim_13 said:

Skipton have launched a BOE less 0.25% Tracker. 12 month account and a flexible ISA.

Easy 1-minute upgrade from my issue 6 BRT (BoE less 0.35%) to this issue 7 BRT (BoE less 0.25%)... feels good in these times of downward interest rate movements...

Didn’t realise it was so easy to do an internal ISA transfer, now all sorted after initially opening with Debit Card as I had allowance remaining. Not sure what issue mine was but a lower paying 2 year version opened in October 2023, so the requirement to transfer the full ISA wasn’t a problem.

Emily_Joy

Rich2808 said:

Emily_Joy said:

Just in case anyone else is looking to transfer maturing funds from Skipton Fixed Rate to Coventry, if you send the transfer form before the fixed term ends  instructing to transfer on maturity, you have to request full transfer and closure. Skipton doesn't allow partial transfers in this scenario: the transfer will be rejected. 

What is worse is that Coventry sends you a letter by snail mail informing that the transfer has been rejected and you need to submit the instructions again. So could easily run out of time. 

I am very much put off doing transfers to Coventry by their total disregard for customer's personal data. I did two transfers to them recently and they sent confirmation letters with the following personal information on the back - 

Full Name
full date of birth
NI number
Home telephone
Work tel
Mobile
Full email address
Full Account numbers of ISA being transferred from and to

None of this was asterisked - or redacted - all this personal data was provided in full in a printed letter sent by standard (not secure) post. And the amount they waste in postage - sending two letters with the same data on the same day! I can't believe a major building society can be so incompetent to do this - when it is totally unnecessary to include all the personal data they hold on me to confirm an ISA transfer. No one else feels the need to do this! Surprised they didn't also include my username and password for online banking too!

In all honesty I never noticed what is printed at the back. But the paper is useful for starting the log burner so I don't mind.

Rich2808

Emily_Joy said:

Rich2808 said:

Emily_Joy said:

Just in case anyone else is looking to transfer maturing funds from Skipton Fixed Rate to Coventry, if you send the transfer form before the fixed term ends  instructing to transfer on maturity, you have to request full transfer and closure. Skipton doesn't allow partial transfers in this scenario: the transfer will be rejected. 

What is worse is that Coventry sends you a letter by snail mail informing that the transfer has been rejected and you need to submit the instructions again. So could easily run out of time. 

I am very much put off doing transfers to Coventry by their total disregard for customer's personal data. I did two transfers to them recently and they sent confirmation letters with the following personal information on the back - 

Full Name
full date of birth
NI number
Home telephone
Work tel
Mobile
Full email address
Full Account numbers of ISA being transferred from and to

None of this was asterisked - or redacted - all this personal data was provided in full in a printed letter sent by standard (not secure) post. And the amount they waste in postage - sending two letters with the same data on the same day! I can't believe a major building society can be so incompetent to do this - when it is totally unnecessary to include all the personal data they hold on me to confirm an ISA transfer. No one else feels the need to do this! Surprised they didn't also include my username and password for online banking too!

In all honesty I never noticed what is printed at the back. But the paper is useful for starting the log burner so I don't mind.

I note people's concern about the paper in the post - but my issue is more serious as this story highlights. Just intercept a letter from the Coventry about an isa transfer - with far more detail supplied than was needed here - and imagine what you could do if a scammer. This just is not acceptable to send all this unredacted personal data in the regular post everytime someone transfers in an isa to them - this is likely to be tens of thousands of communications a year?!

https://www.bbc.co.uk/news/articles/ckg885lxd3jo

A man targeted by fraudsters who got his mobile phone number from an energy company said he often woke up in the night thinking "what next?".

Stephen, from Hertfordshire, had more than £40,000 taken from a savings account after his name and email address was used to get the information from EDF.

Within 48 hours of his mobile phone number being divulged, his accounts with O2, Nationwide Building Society and Virgin Media had all been compromised.