Cash ISAs: The Best Currently Available List

Oasis1

armistice said:

Email from T212 

We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 1 May 2025.
Your rates will be as follows: Trading 212 Cash ISA: From 4.5% to 4.35% variable Trading 212 Stocks ISA, Invest and CFD: 4.6% (no change)

Envious of those with the 0.69% bonus given my paltry 0.2%!

XDA

MichaelAP said:

flaneurs_lobster said:

MichaelAP said:

Apologies if this has already been stated but in reference to opening a Monument Cash ISA; how long from opening do you have to add the £10,000 funds?
Tried their website but cannot find any info on this.

30 days says the "Welcome to your ISA" letter. Actually says "...to make your first deposit". Assume that means the full £10k?

Pity we cannot make part payments during that 30 day period. Ending obviously with a minimum of £10,000

You can make part payments - I transferred £10k over the course of 3 days.

“You need to make a payment into your Easy Access Cash ISA within 30 days from the date your account is opened. If you don’t, your Easy Access Cash ISA will be closed.”

https://cdn.prod.website-files.com/6435124ea79f72fd42f72826/67c04277f69be970dfbbbd35_EA%20Cash%20ISA%20Summary%20Box%20-%20M552_02_2502.pdf

Gambler

Really struggling to withdraw funds from T212 today. A message flashes up about terrorism and identity checks. Money leaves your account but doesn't transfer instantly. I cancelled the withdrawl and managed to make a few smaller ones.

Ridiculous, I'll be transferring to another provider.

flobbalobbalob

I can't believe I'm considering Marcus for my new money 

MichaelAP

flobbalobbalob said:

I can't believe I'm considering Marcus for my new money 

Why?? What have you seen?

Online Savings Account

4.30% AER/ 4.22% gross* (variable)

Includes a bonus rate of 0.49% gross* fixed for the first 12 months.

Cash ISA

4.30% AER/ 4.22% tax-free† (variable)

Includes a bonus rate of 0.49% tax-free† fixed for the first 12 months.

1 Year Fixed Rate Saver

4.15% AER/gross* (fixed) 

AspiringPensioner

Hey all, 

Not sure if this is the right place for this post but it has come about as a result of opening one of the best currently available ISAs last week, so...  

Last week I opened an Easy Access ISA with the Post Office at 4.4%. Even during the opening process I started thinking "this is all really clunky and archaic" in terms of the website, the fact I had to pay in by debit card (new money) rather than BACS and then it took days to show up etc. After reading some other comments in this thread about the PO I've decided I'd rather not be dealing with them. Thankfully I only put £500 in initially (wanted to make sure it credited first).

Would the easiest thing just be to transfer it into the other cash ISA I opened last week with a different provider (the total comes under the £20k limit), rather than trying for a cancellation with the Post Office via the 14-day cooling off period? I've never attempted to go through a cancellation and I'm not filled with confidence about their efficiency...

flaneurs_lobster

AspiringPensioner said:

Would the easiest thing just be to transfer it into the other cash ISA I opened last week with a different provider (the total comes under the £20k limit), rather than trying for a cancellation with the Post Office via the 14-day cooling off period? I've never attempted to go through a cancellation and I'm not filled with confidence about their efficiency...

I have no experience of cancelling cash ISAs opened with The Post Office (unsurprisingly) but I'd have thought that you are likely to preserve any interest earned, to-date and going forward, by transferring to the new ISA rather than cancelling.

Assumes that your preferred ISA accepts transfers in, of course.

VNX

Zopa to chip transfer 

after sone time money has gone from Zopa 

but not appeared in chip, hopefully just slow due to the bank holiday weekend and not lost !

soulsaver

AspiringPensioner said:

Hey all, 

Not sure if this is the right place for this post but it has come about as a result of opening one of the best currently available ISAs last week, so...  

Last week I opened an Easy Access ISA with the Post Office at 4.4%. Even during the opening process I started thinking "this is all really clunky and archaic" in terms of the website, the fact I had to pay in by debit card (new money) rather than BACS and then it took days to show up etc. After reading some other comments in this thread about the PO I've decided I'd rather not be dealing with them. Thankfully I only put £500 in initially (wanted to make sure it credited first).

Would the easiest thing just be to transfer it into the other cash ISA I opened last week with a different provider (the total comes under the £20k limit), rather than trying for a cancellation with the Post Office via the 14-day cooling off period? I've never attempted to go through a cancellation and I'm not filled with confidence about their efficiency...

I'd leave it there for the duration of the rate. Their processes and customer service is what they are criticised for... but you don't need to interact with them now unless the rate becomes uncompetitive? 

AspiringPensioner

flaneurs_lobster said:

AspiringPensioner said:

Would the easiest thing just be to transfer it into the other cash ISA I opened last week with a different provider (the total comes under the £20k limit), rather than trying for a cancellation with the Post Office via the 14-day cooling off period? I've never attempted to go through a cancellation and I'm not filled with confidence about their efficiency...

I have no experience of cancelling cash ISAs opened with The Post Office (unsurprisingly) but I'd have thought that you are likely to preserve any interest earned, to-date and going forward, by transferring to the new ISA rather than cancelling.

Assumes that your preferred ISA accepts transfers in, of course.

 Thanks FL. I agree that's probably the most straightforward way, and yes the other one (Skipton Quadruple) does accept transfers in.