Cash ISAs: The Best Currently Available List

friolento

Kazza242 said:

friolento said:

Kazza242 said:

The Moneybox Open Access Cash ISA interest rate has been increased to 5.00%.

The rate includes a 1.00% bonus for the first 12 months.  

Open the cash ISA with £500.  It accepts transfers in from other ISA providers.

The new rate has been added to the first post of this thread.

Unless they have changed their rules and their systems in the last 24 hours, this is sadly not available to current or previous Moneybox ISA holders.

The interest rate of 5.00% (which was previously 4.57%) of the Moneybox Open Access Cash ISA is available to new customers only, who have applied for the ISA on or after the 11/04/2025.  It is a good rate for all those eligible for the enhanced rate.  

Yes of course it is a really good rate for those who are eligible. But if you have an existing Moneybox ISA, or ever had a Moneybox ISA, you are not eligible as you are not considered a new customer. Like First Direct, Moneybox appear to have an everlasting memory of their customers, so closing/deleting your account doesn’t make you eligible.

pecunianonolet

I am done with Moneybox. Hoping for my complaint to lead to some compensation and payment of the loss of interest I had (10 days) and all I will use them for is 2 direct debits a month. Otherwise will only touch them with a barge pole.

Patr100

My Zopa to Trading212 transfer finally completed today. Not keen on them requiring yet another facial scan via mobile in order to log in to view the balance on my PC (could log in previously to check progress ) as if these automatic checks fail from a technical aspect , and they can, you could be stuck and don't want to  have to test their customer service at this crucial stage. 
No information on which banks it is spread with but I expect as previously mentioned, I may have to use the app for that.
The interest rate is showing as 4.50 without the bonus but I expect it will be applied per their conditions as my transfer initiation date.

ShinyStarlight1

Ermmm…how do I get to see page one?

flaneurs_lobster

ShinyStarlight1 said:

Ermmm…how do I get to see page one?

Click here

ShinyStarlight1

flaneurs_lobster said:

ShinyStarlight1 said:

Ermmm…how do I get to see page one?

Click here

Thanks Flaneurs but it no longer shows the first page - it used to! It now just shows the preceding page and, as interested as I am in this topic, I can’t press that backwards button more than 800 times!

ccluedo

ShinyStarlight1 said:

flaneurs_lobster said:

ShinyStarlight1 said:

Ermmm…how do I get to see page one?

Click here

Thanks Flaneurs but it no longer shows the first page - it used to! It now just shows the preceding page and, as interested as I am in this topic, I can’t press that backwards button more than 800 times!

Try (physically) turning your phone/tablet to landscape and page 1 should show.
That's the only workaround I've managed to find. 

flaneurs_lobster

ShinyStarlight1 said:

Thanks Flaneurs but it no longer shows the first page - it used to! It now just shows the preceding page and, as interested as I am in this topic, I can’t press that backwards button more than 800 times!

Odd, works for me.

As the old cliche says, can you try another browser?

EDIT Stick /p1 at the end of this page's address?

https://forums.moneysavingexpert.com/discussion/401374/cash-isas-the-best-currently-available-list/p1

Kazza242

friolento said:

Kazza242 said:

friolento said:

Kazza242 said:

The Moneybox Open Access Cash ISA interest rate has been increased to 5.00%.

The rate includes a 1.00% bonus for the first 12 months.  

Open the cash ISA with £500.  It accepts transfers in from other ISA providers.

The new rate has been added to the first post of this thread.

Unless they have changed their rules and their systems in the last 24 hours, this is sadly not available to current or previous Moneybox ISA holders.

The interest rate of 5.00% (which was previously 4.57%) of the Moneybox Open Access Cash ISA is available to new customers only, who have applied for the ISA on or after the 11/04/2025.  It is a good rate for all those eligible for the enhanced rate.  

Yes of course it is a really good rate for those who are eligible. But if you have an existing Moneybox ISA, or ever had a Moneybox ISA, you are not eligible as you are not considered a new customer. Like First Direct, Moneybox appear to have an everlasting memory of their customers, so closing/deleting your account doesn’t make you eligible.

This year, a number of cash ISA providers have opted to offer enhanced interest rates to 'new customers only'.

I've been updating the first post of this thread for 18 years and 2025 has seen the fewest competitive new cash ISA releases so far. 

I think that this may be due to the rumours and subsequent confirmation that the Chancellor plans to reform cash ISAs in the near future.  We don't know the details as yet, but I think this has put off some cash ISA providers from launching products this year.

Yorkshire Building Society, for example, usually launch two competitive Loyalty cash ISAs (internet-based and branch-based respectively), but for the first time in years, they haven't launched either loyalty ISA.

legasov

MoneyBox increased the rate to 5.03% and Trading 212 increased theirs to 5.04%.
Both for 12 months, however T212 pays monthly and MoneyBox pays annually.