Cash ISAs: The Best Currently Available List

Beeblebr0x

Stolas said:

Oak North bouncing back with a 1 year fix at 4.45% 

Fingers crossed for a little boost in rates before the end of the tax year.

I've had an email to say there will be a boost for customers keeping their ISAs with OakNorth, but I don't know the specifics.

CuparLad

Beeblebr0x said:

Stolas said:

Oak North bouncing back with a 1 year fix at 4.45% 

Fingers crossed for a little boost in rates before the end of the tax year.

I've had an email to say there will be a boost for customers keeping their ISAs with OakNorth, but I don't know the specifics.

The offered me 0.01% better rate vs. the new customer rate.

Stolas

Oak North 1Y is now up to 4.47% we have a tiny bit of competition it seems. 

Mr_Smith_4721

Tembo's Cash ISA is increasing to 4.8% from today:

"We've got good news! From today (11th March 2025), we're increasing the rate on your Cash ISA to 4.8% AER (variable)."

pecunianonolet

Mr_Smith_4721 said:

Tembo's Cash ISA is increasing to 4.8% from today:

"We've got good news! From today (11th March 2025), we're increasing the rate on your Cash ISA to 4.8% AER (variable)."

Good news indeed but probably just until 20th of March when probably the BOE will lower rates again (which I think would be wrong) so people jump on it now to make the move and end up in a short while with 4.55% when it goes down 0.25% again. 

surreysaver

Aidanmc said:

sammy_zammy said:

Aidanmc said:

Principality BS Online Bonus 5 Access Cash ISA Issue 4

4.70%

Will be 4.5% in a mere 3 days time!

OOPS, didnt realise that......thanks

Principality seem to have a habit of not advising people that a rate is lowering if you apply for the account after they've sent out notices that they're lowering the rate 

pecunianonolet

surreysaver said:

Aidanmc said:

sammy_zammy said:

Aidanmc said:

Principality BS Online Bonus 5 Access Cash ISA Issue 4

4.70%

Will be 4.5% in a mere 3 days time!

OOPS, didnt realise that......thanks

Principality seem to have a habit of not advising people that a rate is lowering if you apply for the account after they've sent out notices that they're lowering the rate 

Pretty clear announcement on their website for this account.

Beeblebr0x

CuparLad said:

Beeblebr0x said:

Stolas said:

Oak North bouncing back with a 1 year fix at 4.45% 

Fingers crossed for a little boost in rates before the end of the tax year.

I've had an email to say there will be a boost for customers keeping their ISAs with OakNorth, but I don't know the specifics.

The offered me 0.01% better rate vs. the new customer rate.

Hardly worth bothering with.

Stolas

Shawbrook and Vida both up to 4.48%, 1 year fix. However Vida won’t allow transfers in. 

pecunianonolet

Zopa Smart ISA - now top of the table at Moneyfacts.

"We're offering new Smart ISA customers a 3-month fixed bonus rate of 1.21% AER* on top of the underlying 3.80% AER* (3.73% gross**) variable Access ISA pot rate.

This means you'll earn a total of 5.01% AER* (4.89% gross**) variable on Access ISA pots for 3 months from the date you open a Smart ISA."

https://www.zopa.com/smart-isa



Not really competitive because the underlying rate is probably going down in a few days after an expected BOE rate reduction. Assuming a cut of 0.25% the new rate would be 4.76% for the remainder of those 3 months with a sharp cliff edge after. Unless someone is prepared to transfer again within a short while this doesn't look like a very attractive offer. If providers involved not backdate interest the loss through moving could actually be higher than leaving funds in a lower paying account. 

P.S. Trading212 also slightly increased their rate to 4.81% (4.76% previously) to appear above the 4.8% of Tembo