Cash ISAs: The Best Currently Available List

Emily_Joy

masonic said:

pecunianonolet said:

northernstar007 said:

good luck moving from vm, day 7 still no word

Moved several ISA's in and out of VM to and from various other providers and VM always has been top class. Usually the issues were with other providers

The issue with VM is that different parts of the hydra refuse to acknowledge that other parts exist, so transfer requests do not get redirected to the correct part of the business. It is still using Clydesdale and Yorkshire Bank's HMRC authorisations to offer ISAs. The only registered "Virgin Money" ISA manager is for S&S ISAs, which I don't think it even offers any more.

Nevertheless, some people will get lucky.

A complete mess that needs to be put out of its misery.

That's probably what is happening. Transfer to Cynergy - rejected; transfer to Close Brothers - completed; transfer to Gatehouse in limbo. Sigh. 

VNX

The whole isa transfer process really seems archaic and needs reform 

frosch411

MichaelAP said:

What date do Monument pay the monthly interest?

This is what it says in their website:

"Interest is calculated daily and paid monthly to this account."

Presumably paid on date of opening or end of the month?
Maybe others can confirm, I am new to Monument myself so haven't received any interest yet.

MichaelAP

frosch411 said:

MichaelAP said:

What date do Monument pay the monthly interest?

This is what it says in their website:

"Interest is calculated daily and paid monthly to this account."

Presumably paid on date of opening or end of the month?
Maybe others can confirm, I am new to Monument myself so haven't received any interest yet.

Thanks…. This is what I am trying to find out; whether it is on opening or the beginning of each month. If it is on the date of opening I will wait until end of this month. However, if it is paid on the 1st of each month I will open it immediately.

1spiral

MichaelAP said:

frosch411 said:

MichaelAP said:

What date do Monument pay the monthly interest?

This is what it says in their website:

"Interest is calculated daily and paid monthly to this account."

Presumably paid on date of opening or end of the month?
Maybe others can confirm, I am new to Monument myself so haven't received any interest yet.

Thanks…. This is what I am trying to find out; whether it is on opening or the beginning of each month. If it is on the date of opening I will wait until end of this month. However, if it is paid on the 1st of each month I will open it immediately.

I've made a note that its paid on the 1st but I haven't received any interest yet to be able to confirm.

flobbalobbalob

MichaelAP said:

What date do Monument pay the monthly interest?

according to the terms here

Terms and Conditions - Monument Bank

it says "Interest is paid on the first day of each month, rounded up or down to the nearest one pence"

MisterMotivated

MisterMotivated said:

My transfer from Zopa finally appeared in Chip this afternoon along with emails from each provider.  I've now initiated the next transfer from Virgin Money.  Hopefully the frenzy of activity in the new tax year will have faded a little and this one moves a bit more quickly.

Well, things are already off to a quicker start as my Virgin Money ISA has now disappeared from the app just 2 days after the request was made (compared to 13 days for Zopa). Hasn't appeared in Chip yet though but it would be unrealistic to expect that

intalex

Kim_13 said:

intalex said:

The Skipton 4-access is NLA... time to choose one between my BRT and 4-access...

I have nominal amounts in both and unless something better comes up, will transfer maturing fixes into them later in the year. Both were opened initially with new money in 24/25 so Skipton must allow multiple ISAs with them in the same tax year and the only issue (though an external workaround is possible) is that an internal transfer requires closing the source account.

If I had to pick one, I think I’d go 4 Access - the term appears to be indefinite, unlike the BRT which only lasts for a year and will probably appear again with some other deduction (or maybe an addition if rates go really low) to the Base Rate.

I just picked the 4-access and ditched the BRT, the rumoured rapid rate cuts helped my decision as the BRT rate will drop promptly whilst the 4-access may involve a bit of a notice... a bit of a bet, but hopefully Skipton won't drop the 4-access rate below the BRT rate!!

JSmith321

flaneurs_lobster said:

CuparLad said:

Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 12 @ 5.05% released.

Happy days. The 1 Year Fixed Rate Cash ISA Exclusive Issue 12 is all yours

We just need you to look over and agree to the legal bits first.

..............

• I have not subscribed and will not subscribe to another Cash ISA in the same year that I subscribed to this Cash ISA.

That's rather annoying.

Why is the Financial Ombudsman not addressing this anti-competitor restriction? The government passed the law to allow that very option.

masonic

JSmith321 said:

flaneurs_lobster said:

CuparLad said:

Virgin Money 1 Year Fixed Rate Cash ISA Exclusive Issue 12 @ 5.05% released.

Happy days. The 1 Year Fixed Rate Cash ISA Exclusive Issue 12 is all yours

We just need you to look over and agree to the legal bits first.

..............

• I have not subscribed and will not subscribe to another Cash ISA in the same year that I subscribed to this Cash ISA.

That's rather annoying.

Why is the Financial Ombudsman not addressing this anti-competitor restriction? The government passed the law to allow that very option.

See https://forums.moneysavingexpert.com/discussion/comment/81419985/#Comment_81419985