Cash ISAs: The Best Currently Available List

winkowinko

subjecttocontract said:

Sometimes the T&Cs offered provide a different process....you need to check what is being offered. By way of example, last year Metro bank offered to pay their market leading interest rate on cash ISA transfers from the date of the transfer application. This meant it didnt matter how long the transfer took to complete, the customer was already earning the higher interest rate.

That's great if they do like Metro, but what turns me off (except for the additional admin) about chasing a bonus every 3 months, is that some of those providers might not backdate the interest rate. Which, unless you get your timings right, would potentially mean that you're earning the lower interest until the transfer is complete.

refluxer

winkowinko 
what turns me off (except for the additional admin) about chasing a bonus every 3 months, is that some of those providers might not backdate the interest rate. Which, unless you get your timings right, would potentially mean that you're earning the lower interest until the transfer is complete.

No bank is ever going to pay you interest once the money has left their account. If the new provider doesn't back-date the interest to that point, then you won't be earning the previous (lower) rate during the transfer period - you'll be earning no interest at all.

Thankfully, most ISA providers transfer electronically these days so this is much less of an issue than it used to be, when sending forms and cheques through the post was the norm.

pecunianonolet

Does Zopa backdate, does anyone know? Moneybox for example credits the next day after they received it so one day loss.

northernstar007

Leeds building society Online Access Cash ISA increased to 4.41%

soulsaver

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

Online Access Cash ISA (Issue 2) | Leeds Building Society 4.41% £1k for the rate, less gets 0.05%.

Yellowman

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

What is the logon procedure?

northernstar007

Yellowman said:

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

What is the logon procedure?

Operating the account:

• The account can only be operated online via our website at www.leedsbuildingsociety.co.uk

Yellowman

northernstar007 said:

Yellowman said:

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

What is the logon procedure?

Operating the account:

• The account can only be operated online via our website at www.leedsbuildingsociety.co.uk

Is the logon one step or multi-step?

northernstar007

Yellowman said:

northernstar007 said:

Yellowman said:

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

What is the logon procedure?

Operating the account:

• The account can only be operated online via our website at www.leedsbuildingsociety.co.uk

Is the logon one step or multi-step?

unsure i dont have an account but will be looking when virgin rates drop in may
also this is NOT a flexible isa 

flaneurs_lobster

Yellowman said:

northernstar007 said:

Yellowman said:

northernstar007 said:

Leeds building society Online Access Cash ISA increased to 4.41%

What is the logon procedure?

Operating the account:

• The account can only be operated online via our website at www.leedsbuildingsociety.co.uk

Is the logon one step or multi-step?

You started a thread about the Post Office Online Cash ISA asking the same question. You got no replies there and I suspect you'll get none here since your question doesn't really make sense.

Try reframing the question. What are you actually asking?
Are you only considering savings accounts which have 2FA? Or not?
Is there some kind of accessibility issue that stops you using a particular login method?