Cash ISAs: The Best Currently Available List

Noodlles

This is really useful. Any thoughts on 1 year fixed rate cash ISA versus variable rate. Wondering with current global issues if the fixed rate is a better option, even though published 0.8% lower than current variable rate.

slinger2

Noodlles said:

This is really useful. Any thoughts on 1 year fixed rate cash ISA versus variable rate. Wondering with current global issues if the fixed rate is a better option, even though published 0.8% lower than current variable rate.

Over 1 year there's probably not going to be much difference (although you never know). Personally I've got most of my ISA money in 1 year fixes at 4.4-4.5% (opened within the last month). If you go for variable rate you can do pretty well but it's a lot more work. Of course, you've got the advantage of having your money available (without penalty).

Next BOE meeting in 4 weeks at which rates could well come down (or maybe not).

VNX

northernstar007 said:

it looks like a few on here jumping onto monument (4.76%)

I’d be taking this had I not got 5.9 with chip for three months will move to monument after this if still competitive 

flobbalobbalob

Monument Customer Services

I have used their on line live chat, their In-app call and I telephoned them, all in the last busy week.

All of them responded/picked up immediately and no chat bots were used.  On top of that the humans gave no set responses and were very knowledgeable. I am very impressed.

1spiral

flobbalobbalob said:

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

Whole transfers only. 

Do you know if "whole transfers" also applies when transferring out (like ZOPA)? I have an ISA to transfer in but because I've already subscribed my 20K to Monument this tax year, the transfer would take me over 85K so I would like to transfer the excess to another provider when Monument receive it.

Rheumatoid

Tembo applications paused

flobbalobbalob

1spiral said:

flobbalobbalob said:

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

Whole transfers only. 

Do you know if "whole transfers" also applies when transferring out (like ZOPA)? I have an ISA to transfer in but because I've already subscribed my 20K to Monument this tax year, the transfer would take me over 85K so I would like to transfer the excess to another provider when Monument receive it.

According to their FAQ's you can partially transfer out. You still have to find a new provider that accepts partial transfers in though.
Easy Access Cash ISA FAQs | Monument bank

northernstar007

flobbalobbalob said:

Monument Customer Services

I have used their on line live chat, their In-app call and I telephoned them, all in the last busy week.

All of them responded/picked up immediately and no chat bots were used.  On top of that the humans gave no set responses and were very knowledgeable. I am very impressed.

did you ask them if they were accepting transfers

1spiral

flobbalobbalob said:

1spiral said:

flobbalobbalob said:

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

Whole transfers only. 

Do you know if "whole transfers" also applies when transferring out (like ZOPA)? I have an ISA to transfer in but because I've already subscribed my 20K to Monument this tax year, the transfer would take me over 85K so I would like to transfer the excess to another provider when Monument receive it.

According to their FAQ's you can partially transfer out. You still have to find a new provider that accepts partial transfers in though.
Easy Access Cash ISA FAQs | Monument bank

Thanks, in my experience most allow partial transfers in or out. Zopa was the first I encountered which had to be all out and Monument is the first I've encountered which is all in although my experience with ISA transfers is quite limited.

allegro120

northernstar007 said:

flobbalobbalob said:

Monument Customer Services

I have used their on line live chat, their In-app call and I telephoned them, all in the last busy week.

All of them responded/picked up immediately and no chat bots were used.  On top of that the humans gave no set responses and were very knowledgeable. I am very impressed.

did you ask them if they were accepting transfers

Monument
I've initiated mine this morning and it was accepted.  Also confirmed by e-mail.