Cash ISAs: The Best Currently Available List

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.

friolento

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.

Monument doesn’t do partial transfers-in.

You would have to go via another ISA provider who does, and then in a second step make your transfer to Monument

AspiringPensioner

pecunianonolet said:

Kent Reliance Cash ISA - Easy Access - Issue 56 now  with a slight rate reduction to 4.51% (previous rate 4.56%)

Charter Savings BankEasy Access Cash ISA - Issue 57 now available at 4.59%

Thanks for this heads-up! They were a little late in coming out with these (I'm pretty sure they weren't there in the first 2-3 days of the new tax year because I looked, and already have other accounts with both). It's slightly irritating as these two providers are both among the ones who won't allow you to split your current £20k allowance between them and a different provider (and that info isn't always immediately obvious. Paragon is another one). I had already opened a Coventry fix with half my new allowance. So I'm going to transfer some previous years' funds into each of these, still undecided as to the best home for the rest of my 2025-26 money.