Cash ISAs: The Best Currently Available List

ShinyStarlight1

flaneurs_lobster said:

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

  Thanks 🥰

Velvet_Monkey

Beeblebr0x said:

Tembo still not accepting cash ISA transfer ins due to high demand. Christ on a bike, it's now mid April.

I was told by their customer support that initially it was demand, then when they tried to enable it again, it was 'technical issues'. 
To be honest my interaction with Tembo to date is not giving me a warm safe feeling. Contradictory and confusing information, and lack of information. 
At one point they even said the reason they couldn't tell me how much of my money was lodged with which licenced institution for fscs protection, was because as they moved it around, they didn't know at any specific moment in time where it was....! 
I'd assume that's just inexperienced customer support.
But going flexible ISA with monument at 4.76% seems a better bet to me than Tembo at 4.8 currently. 

flobbalobbalob

Velvet_Monkey said:

Beeblebr0x said:

Tembo still not accepting cash ISA transfer ins due to high demand. Christ on a bike, it's now mid April.

I was told by their customer support that initially it was demand, then when they tried to enable it again, it was 'technical issues'. 
To be honest my interaction with Tembo to date is not giving me a warm safe feeling. Contradictory and confusing information, and lack of information. 
At one point they even said the reason they couldn't tell me how much of my money was lodged with which licenced institution for fscs protection, was because as they moved it around, they didn't know at any specific moment in time where it was....! 
I'd assume that's just inexperienced customer support.
But going flexible ISA with monument at 4.76% seems a better bet to me than Tembo at 4.8 currently. 

Which makes you wonder what happens if Tembo or one of their banks went bust. How could the FSCS work out what compensation you should receive?

masonic

flobbalobbalob said:

Velvet_Monkey said:

Beeblebr0x said:

Tembo still not accepting cash ISA transfer ins due to high demand. Christ on a bike, it's now mid April.

I was told by their customer support that initially it was demand, then when they tried to enable it again, it was 'technical issues'. 
To be honest my interaction with Tembo to date is not giving me a warm safe feeling. Contradictory and confusing information, and lack of information. 
At one point they even said the reason they couldn't tell me how much of my money was lodged with which licenced institution for fscs protection, was because as they moved it around, they didn't know at any specific moment in time where it was....! 
I'd assume that's just inexperienced customer support.
But going flexible ISA with monument at 4.76% seems a better bet to me than Tembo at 4.8 currently. 

Which makes you wonder what happens if Tembo or one of their banks went bust. How could the FSCS work out what compensation you should receive?

There is a difference between a customer service adviser not having access to real time information on where each customer's money is held, and there being no record of it.

Beeblebr0x

Velvet_Monkey said:

Beeblebr0x said:

Tembo still not accepting cash ISA transfer ins due to high demand. Christ on a bike, it's now mid April.

I was told by their customer support that initially it was demand, then when they tried to enable it again, it was 'technical issues'. 
To be honest my interaction with Tembo to date is not giving me a warm safe feeling. Contradictory and confusing information, and lack of information. 
At one point they even said the reason they couldn't tell me how much of my money was lodged with which licenced institution for fscs protection, was because as they moved it around, they didn't know at any specific moment in time where it was....! 
I'd assume that's just inexperienced customer support.
But going flexible ISA with monument at 4.76% seems a better bet to me than Tembo at 4.8 currently. 

Many thanks for the info. I'll look into moving my money into my Moneybox account.

friolento

pecunianonolet said:

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.

I have closed my Moneybox account altogether for now, and will only go back there if they have a market leading account I am eligible for. May be.

Velvet_Monkey

masonic said:

flobbalobbalob said:

Velvet_Monkey said:

Beeblebr0x said:

Tembo still not accepting cash ISA transfer ins due to high demand. Christ on a bike, it's now mid April.

I was told by their customer support that initially it was demand, then when they tried to enable it again, it was 'technical issues'. 
To be honest my interaction with Tembo to date is not giving me a warm safe feeling. Contradictory and confusing information, and lack of information. 
At one point they even said the reason they couldn't tell me how much of my money was lodged with which licenced institution for fscs protection, was because as they moved it around, they didn't know at any specific moment in time where it was....! 
I'd assume that's just inexperienced customer support.
But going flexible ISA with monument at 4.76% seems a better bet to me than Tembo at 4.8 currently. 

Which makes you wonder what happens if Tembo or one of their banks went bust. How could the FSCS work out what compensation you should receive?

There is a difference between a customer service adviser not having access to real time information on where each customer's money is held, and there being no record of it.

Indeed. But it's important information for some, and should be available. 

Kim_13

Moneybox

I had a Lifetime ISA with them that I transferred out (and know that I am not allowed one of those as a result) but don't know if I would be ineligible for the Cash ISA also.

Either way I won't be rushing there, as I'm happy with the ISAs I have at present (though I do need to find something to do with a couple of maturing fixes later this year.)

sammy_zammy

Kim_13 said:

Moneybox

I had a Lifetime ISA with them that I transferred out (and know that I am not allowed one of those as a result) but don't know if I would be ineligible for the Cash ISA also.

Either way I won't be rushing there, as I'm happy with the ISAs I have at present (though I do need to find something to do with a couple of maturing fixes later this year.)

You can open a new cash ISA, the only restriction on returning is for accounts you’ve previously had.

AspiringPensioner

john1950 said:

I opened a flexible cash ISA with Skipton Building Society on the 6th April which went quite well and I paid in my 25/26 allowance to the account the following day. They stated that a registration code had been posted to me which would take 2 to 3 business days and give me full access to the account. It is a flexible isa but until this registration code arrives by post I cannot access the money. I rang them last thursday and was told the letter with the registration code would be with me the following day which of course did not happen. Still no letter so still no access to most of the accounts actions.
I had thought that using a known Building Society would be less hassle than using an App based provider but I think that I may be mistaken.
Does anyone have any experience with Skipton and this registration procedure. I am mindful to ask about the 14 day cancellation in their terms but I suspect they will resist that or suggest I need to visit a Branch (none near me).
I could initiate a transfer but doubtful they would permit that.

Hiya, are you talking about the requirement to sign up either for the App or for the "One-Time-Code" (ie additional security check via your mobile)? They send these by post, as you say, just after account opening. I've had various Skipton accounts for the last few years, and over the last week both I and my partner have each opened the Skipton Quadruple Access Cash ISA (possibly the one you're talking about at 4.35%). I don't like being forced to use an app, so I opted for operating my account via the website and had opted for using the one-time-code (which they don't use every time anyway). I did this a couple of years ago but was reminded of this confusion when my partner opened his first Skipton account the other day and we thought he had to wait for the letter (which wasn't the case - it did arrive within about 3 days anyway).

I think it's actually a bit confusing as it's not immediately apparent that you can still access your account, and check that the money has arrived in there, in the time before your one-time-code letter arrives in the post, ie you can sign in online using the user ID, password and memorable answer that you used to sign up. At that point there's a little button on screen which says something like  "proceed to my account" but this bit of info is overshadowed by much bigger messages reminding you to sign up for the app or the one-time-code. I'm not sure what you mean by "I cannot access the money" given you've only just paid in, but I am assuming that like me, perhaps you mean you just want to check your account online and make sure your money is there.