Cash ISAs: The Best Currently Available List

RG2015

slinger2 said:

RG2015 said:

If you already have a Zopa Smart ISA and transfer in at least £500 the entire balance on the Smart ISA will earn 5.01% for 3 months.

It then reverts to the standard 4.00%. I guess this only applies to the instant access pots.

Do Zopa allow partial transfers in? i.e. could you just transfer in £500 from a much bigger ISA?

I have just looked on the Zopa app and they do allow partial transfers in.

Stompa

dlevene said:

Tembo seem pretty good: good rate and no messing around with bonuses.

Not flexible, which I know is an issue for some, but fine for me.

Anybody had any experience?

I opened one 2 or 3 weeks ago. However, I'm still unable to link my bank account with it so am unable to actually deposit any funds. After a bit of to-ing and fro-ing, I was eventually put through to technical support who sent me a message saying:

Thank you for reaching out. We are currently experiencing a high volume of inquiries, but rest assured, our team is working hard to assist everyone as quickly as possible.

Your request is important to us, and we appreciate your patience. A team member will get back to you as soon as possible.

10 days later and still no response. I'll be closing mine.

Bridlington1

Stompa said:

dlevene said:

Tembo seem pretty good: good rate and no messing around with bonuses.

Not flexible, which I know is an issue for some, but fine for me.

Anybody had any experience?

I opened one 2 or 3 weeks ago. However, I'm still unable to link my bank account with it so am unable to actually deposit any funds. After a bit of to-ing and fro-ing, I was eventually put through to technical support who sent me a message saying:

Thank you for reaching out. We are currently experiencing a high volume of inquiries, but rest assured, our team is working hard to assist everyone as quickly as possible.

Your request is important to us, and we appreciate your patience. A team member will get back to you as soon as possible.

10 days later and still no response. I'll be closing mine.

Which account are you trying to link to Tembo? If I'm not mistaken they don't allow you to link accounts from some providers to them, e.g. Zopa.

Stompa

Bridlington1 said:

Stompa said:

dlevene said:

Tembo seem pretty good: good rate and no messing around with bonuses.

Not flexible, which I know is an issue for some, but fine for me.

Anybody had any experience?

I opened one 2 or 3 weeks ago. However, I'm still unable to link my bank account with it so am unable to actually deposit any funds. After a bit of to-ing and fro-ing, I was eventually put through to technical support who sent me a message saying:

Thank you for reaching out. We are currently experiencing a high volume of inquiries, but rest assured, our team is working hard to assist everyone as quickly as possible.

Your request is important to us, and we appreciate your patience. A team member will get back to you as soon as possible.

10 days later and still no response. I'll be closing mine.

Which account are you trying to link to Tembo? If I'm not mistaken they don't allow you to link accounts from some providers to them, e.g. Zopa.

Santander.

[Deleted User]

I hope this is ok to post here, but I'm thinking of transferring (one of) my 24/25 ISA to Charter Savings Bank once the new tax year begins.

I've looked at various reviews, you always see the odd negative ones so I thought I'd ask if anyone on here has any experience of Charter?

archie1690

Hi , H my wife and myself have accounts with charter savings that include isas-easy access- and notice accounts and they have been very good so far , I will be using them come the 6 April 2025 for isas I find there website very good.

pecunianonolet

Moneybox upped the rate further, assuming moneyfacts will update soon. 

My transfer out from them has still not completed 

friolento

Stompa said:

Bridlington1 said:

Stompa said:

dlevene said:

Tembo seem pretty good: good rate and no messing around with bonuses.

Not flexible, which I know is an issue for some, but fine for me.

Anybody had any experience?

I opened one 2 or 3 weeks ago. However, I'm still unable to link my bank account with it so am unable to actually deposit any funds. After a bit of to-ing and fro-ing, I was eventually put through to technical support who sent me a message saying:

Thank you for reaching out. We are currently experiencing a high volume of inquiries, but rest assured, our team is working hard to assist everyone as quickly as possible.

Your request is important to us, and we appreciate your patience. A team member will get back to you as soon as possible.

10 days later and still no response. I'll be closing mine.

Which account are you trying to link to Tembo? If I'm not mistaken they don't allow you to link accounts from some providers to them, e.g. Zopa.

Santander.

I have a Santander and one other account linked to Tembo. I have just re-added the Santander account and it worked fine. What happens when you try to do it?

s71hj

Just posting this from the regular saver thread as its more appropriate here but there is some debate as to whether this is how the ISA rules work;

s71hj said:

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So can money be put in say today up to the 20000 max for this tax year, then withdrawn and does that secure that as isa allowance I could put money in in a subsequent tax year in excess of that tax year's £20000?

As long as the money is in the ISA by 5th April, and taken out on or after 6th April, and redeposited by 5th April next year and so on.

Need to be careful this year, as tax year ends on a weekend, so depends when funds will be shown as credited to the account 

DIYhelp76

Hi

I have existing ISA at 4.5% with Trading212 but found their customer service very poor/unresponsive.

I'm considering moving to Moneybox Cash ISA, currently showing as 5.67 for first 3 months. then drops to 4.2%.  I think that overall, this would work out slightly better than the overall 4.5 with Trading212 and would satisfy my wish to leave Trading212.

Any feedback for Moneybox - good customer service, quick to do transfers in/out etc?

As the Moneybox is not a fixed rate ISA, am I correct that I could transfer in and get 5.67% for 3 months and then if there is a better rate than 4.2% available elsewhere, move all/part of the monies out of Moneybox after the 3 months  Would there be penalties?

Does anyone know if the 5.67% rate for 3 months applies to transfers in of old ISAs as well as to new subscriptions?

There is also Tembo at 4.8, but their app says it is not currently accepting transfer in. 

Many thanks in advance.