Cash ISAs: The Best Currently Available List

Patr100

My Zopa to Trading 212 ISA transfer took 13 days (not all working days)  a month or so ago.
My only other contact with them was when the fingerprint log in on their app stopped working quite a few months ago. and their reply
was pretty useless.  And I still keep getting prompted to set up fingerprint for the app login every time I log in , click "set up fingerprint"
but nothing happens.
A more responsive company would be keen to pursue and iron out what seems like a bug.

Moved on now, just mention it but they would have to have a good deal to return. Wasn't impressed  with Customer service  . 

VNX

sammy_zammy said:

Just got an email from Plum that they're increasing my Cash ISA rate lol

That’s odd.

 Ind you, not sure I’d be with plum whatever their rate is 

s71hj

sammy_zammy said:

Just got an email from Plum that they're increasing my Cash ISA rate lol

Ditto. Doesn't apply to transfers  in worthy of note

soulsaver

soulsaver said:

sammy_zammy said:

winkowinko said:

Do any of them accept transfers as well as 'new' money throughout their entire term?

Shawbrook  might do if you ask nicely.

I'm testing the term now...  but there's a couple of reasons to be pessimistic. Details when TFLS.

Lloyds has allowed me 'Top Ups' throughout the term of a 2 year 5.55% fixed ISA ending late July '25 - but as posted earlier, not found in the latest terms now.

 £1 new money test payment apparently accepted by Shawbrook 2 year Fixed ISA 4.63% unfunded for the 1st year.

 £22k VM Exclusive ISA (4.11% wef May 11, IIRC) transfer request Shawb rejected with the '14 day from application' window cited.

I may shake a stick at it regarding the wording of bullet 3 in the terms to see if they'll buckle. 

refluxer

soulsaver said:

 £1 new money test payment apparently accepted by Shawbrook 2 year Fixed ISA 4.63% unfunded for the 1st year.

That's unusual and implies they're not enforcing their £1000 minimum balance requirement ? Mind you, I don't think there is any mention of a funding window in the T&Cs. 

IMO, their Fixed Rate Cash ISA Summary Box / T&Cs is an unnecessarily long and rambling document and could easily be shorter and clearer, just like those supplied by many of their competitors. If they specified an exact funding window, then it would probably save their customer service team some work fielding queries, as would removing the ambiguity and stating that future transfer-in requests will be refused, which now seems to be the case.

VNX

soulsaver said:

soulsaver said:

sammy_zammy said:

winkowinko said:

Do any of them accept transfers as well as 'new' money throughout their entire term?

Shawbrook  might do if you ask nicely.

I'm testing the term now...  but there's a couple of reasons to be pessimistic. Details when TFLS.

Lloyds has allowed me 'Top Ups' throughout the term of a 2 year 5.55% fix ending late July '25 - but as posted earlier, not found in the latest terms now.

 £1 new money test payment apparently accepted by Shawbrook 2 year Fixed ISA 4.63% unfunded for the 1st year.

 £22k VM Exclusive ISA (4.11% wef May 11, IIRC) transfer request Shawb rejected with the '14 day from application' window cited.

I may shake a stick at it regarding the wording of bullet 3 in the terms to see if they'll buckle. 

Make sure your email is up to date.

10_66

flobbalobbalob said:

ISA Transfer Zopa to Monument

This time my wife’s. 16’th working day and not complete.

Chatted with Monument and they told me Zopa have not sent it and to contact them.

Zopa said they need the “CISA” number to locate the transfer. They said it was on the transfer request form. I explained that I am not involved in the process and Monument is doing the transfer. Zopa said they will “raise this to the relevant team” and email me by the end of today...

Exactly the same happened with mine & OH's.  When I tried chasing Zopa and they told me they wanted the CISA number I got in touch with Monument and asked them to chase on my behalf as it was getting too close to the 30 day funding cut off that Monument have.  OH did the same.  Both of our transfers were completed the next day.  Phew!

flobbalobbalob

10_66 said:

flobbalobbalob said:

ISA Transfer Zopa to Monument

This time my wife’s. 16’th working day and not complete.

Chatted with Monument and they told me Zopa have not sent it and to contact them.

Zopa said they need the “CISA” number to locate the transfer. They said it was on the transfer request form. I explained that I am not involved in the process and Monument is doing the transfer. Zopa said they will “raise this to the relevant team” and email me by the end of today...

Exactly the same happened with mine & OH's.  When I tried chasing Zopa and they told me they wanted the CISA number I got in touch with Monument and asked them to chase on my behalf as it was getting too close to the 30 day funding cut off that Monument have.  OH did the same.  Both of our transfers were completed the next day.  Phew!

Thank you for that. I'm a little disappointed that Monument didn't offer to do that on first contact with them. I was getting worried about being piggy in the middle but now less worried. 👍

soulsaver

VNX said:

soulsaver said:

soulsaver said:

sammy_zammy said:

winkowinko said:

Do any of them accept transfers as well as 'new' money throughout their entire term?

Shawbrook  might do if you ask nicely.

I'm testing the term now...  but there's a couple of reasons to be pessimistic. Details when TFLS.

Lloyds has allowed me 'Top Ups' throughout the term of a 2 year 5.55% fix ending late July '25 - but as posted earlier, not found in the latest terms now.

 £1 new money test payment apparently accepted by Shawbrook 2 year Fixed ISA 4.63% unfunded for the 1st year.

 £22k VM Exclusive ISA (4.11% wef May 11, IIRC) transfer request Shawb rejected with the '14 day from application' window cited.

I may shake a stick at it regarding the wording of bullet 3 in the terms to see if they'll buckle. 

Make sure your email is up to date.

Because..?

sammy_zammy

refluxer said:

soulsaver said:

 £1 new money test payment apparently accepted by Shawbrook 2 year Fixed ISA 4.63% unfunded for the 1st year.

That's unusual and implies they're not enforcing their £1000 minimum balance requirement ? Mind you, I don't think there is any mention of a funding window in the T&Cs. 

IMO, their Fixed Rate Cash ISA Summary Box / T&Cs is an unnecessarily long and rambling document and could easily be shorter and clearer, just like those supplied by many of their competitors. If they specified an exact funding window, then it would probably save their customer service team some work fielding queries, as would removing the ambiguity and stating that future transfer-in requests will be refused, which now seems to be the case.

Yes - when I contacted them they said the £1000 is a requirement to earn interest, but it can be put in at any time.