Cash ISAs: The Best Currently Available List

flobbalobbalob

northernstar007 said:

flobbalobbalob said:

Monument now has "Transfer in from existing cash ISA" on my app today.

Whole transfers only. 

i'm reading on there site is it true you have to pay to be a member £16.95 p/m

That's an option for some "benefits" offered on the app. There was no pressure to join.

pecunianonolet

Monument site still claims a coming soon for ISA transfer in capability. Can you become a new customer, open the ISA and immediately request a transfer in?

Could their ISA be operated in the same fashion as a T212 ISA? 
Are withdrawals instant in the same way as they are with Chip?

Could image that as soon as they accept cash from basically anyone they will be flooded with requests so getting ahead of the game is crucial. 

northernstar007

flobbalobbalob said:

Monument now has "Transfer in from existing cash ISA" on my app today.

Whole transfers only. 

flobbalobbalob said:

Monument now has "Transfer in from existing cash ISA" on my app today.

Whole transfers only. 

just downloaded the app its say they DONT accept transfers in from other providers

flobbalobbalob

pecunianonolet said:

Monument site still claims a coming soon for ISA transfer in capability. Can you become a new customer, open the ISA and immediately request a transfer in?

Could their ISA be operated in the same fashion as a T212 ISA? 
Are withdrawals instant in the same way as they are with Chip?

Could image that as soon as they accept cash from basically anyone they will be flooded with requests so getting ahead of the game is crucial. 

I opened mine 2 weeks ago with £0. Tested with a couple of quid, instant in and instant out. No offer to transfer in when you open it. When I opened and select deposit I got single option to deposit new money. Today I have another option to transfer in.

PowerSavingMode

VNX said:

Having been nonplus about the three month bonus rates up to now, currently having my emergency fund/easy access money with ZOPA at 4.5% 

I have decided today to move this 20k ish to CHIP for their 5.9% bonus rate for three months and I’ll see what’s what mid July and decide what to do with my money then 

All was very easy to open the CHIP ISA and add bonus and initiate the transfer 

I dilly-dallied and missed the boat, as I think Chip withdrew it today (ironically, I went to open it today). That'll teach me.

ccluedo

Gatehouse 1 year fix was 4.5% now down to 4.35% today.
Happily I opened yesterday! 

slinger2

ccluedo said:

Gatehouse 1 year fix was 4.5% now down to 4.35% today.
Happily I opened yesterday! 

Pretty sure it was 4.50% this morning.

Gambler

PowerSavingMode said:

VNX said:

Having been nonplus about the three month bonus rates up to now, currently having my emergency fund/easy access money with ZOPA at 4.5% 

I have decided today to move this 20k ish to CHIP for their 5.9% bonus rate for three months and I’ll see what’s what mid July and decide what to do with my money then 

All was very easy to open the CHIP ISA and add bonus and initiate the transfer 

I dilly-dallied and missed the boat, as I think Chip withdrew it today (ironically, I went to open it today). That'll teach me.

I downloaded the app yesterday but didn't complete the transfer request as NatWest would not let me transfer more than £20K 😤

Anyway I've just applied the promo code. Promotion expires 24 April so you could still try?

Could anybody confirm when the 5.9% expires please?

Is it 90 days from your first deposit or 90 days from when you apply promo code?

ccluedo

slinger2 said:

ccluedo said:

Gatehouse 1 year fix was 4.5% now down to 4.35% today.
Happily I opened yesterday! 

Pretty sure it was 4.50% this morning.

Gone this afternoon then. 

allegro120

friolento said:

flobbalobbalob said:

Monument now has "Transfer in from existing cash ISA" on my app today.

Whole transfers only. 

Excellent, thank you for the heads up! Have just requested a transfer.

Aside from whole transfers only, they also don't support any notice periods - i.e. if your to-be-transferred ISA isn't easy access, the old provider might not process the transfer request as you haven't given your permission for early termination of the old ISA.

Also only 1 transfer at any one time.

Great news!  This is exactly what I wanted.  I have £43k in VM in need to be transferred soon to a better rate (currently 4.51%, drops to 4.11% on 19th May). Given the complexity of fintech platforms's cash ISA products I prefer to transfer this balance to a proper bank.  4.76% is the best offer to meet my criteria for this transfer.
 
I have split my 2025/26 allowance between 4 institutions - £10k Monument, £3300 Tembo, £3300 T212, £3300 CMC and spared £100 for potential offers at the end of tax year.
I'd like to transfer the whole VM balance to Monument, but I'm not sure if I can do it.  I've already initiated a small test transfers to Tembo, T212 and CMC.  Tembo and T212 show no movement for 10 days now, transfer to CMC initiated today (don't know how long this might take). 

My question is - what would happen if I initiate the whole balance transfer to Monument?  Would it still go through if one of fintechs grab their part first?