Cash ISAs: The Best Currently Available List

Rosa_Damascena

I have to say I am cross with MSE for its inaccuracy on the main website saying that Cynergy Bank pays a fixed rate of 4.17%. It is in fact a variable rate.

What I'm after is a fixed rate (hence fixed term) cash ISA that I can transfer previous years ISAs into. Unsurprisingly, the best rate are variable.

OrangeBlueGreen

Looks like Monument are accepting applications again, though as already mentioned on here it is 4.25%.

Wonder what Tembo will do. Probably watching to see what everyone else is doing. It's a shame some are going down more than base rate reduction.

Looking at this thread and the MSE ISA page, I'm not a huge fan of the boosted rate ISAs for such short amounts of time, they mean potential continuous transfers. I hope it doesn't become the wider norm as it's just buying the top of the league tables.
 Next it will be 10% for 2 weeks.

MichaelAP

slinger2 said:

wiseonesomeofthetime said:

Well, there you have it. Same as the Limited Access Saver, Monument Bank, have confirmed a rate drop from 4.76% to 4.25% wef from 29 May 2025.

Of course, this is the problem with a variable rate product. I've got most of my ISA cash in 1-year fixes at around 4.5%. On the remote chance that I'll need the money I'll happily pay the (roughly) 1% penalty.

Monument must be aware that such a big cut is going to annoy a lot of their customers. Perhaps they're thinking that most will stay at 4.25%.

With a drop of 0.51% that will be a hard pill to swallow. I’m scrambling my mind trying to ascertain what their method is.

Malchester

gesdt50 said:

Malchester said:

Use moneyfactscompare.co.uk rather than MSE. Much better, easier to use and more information. Make sure you have accounts listed by rate to get all best rates first

Moneyfactscompare as a 0 rating on Trustpilot

It has 0 because it has no reviews!!!!!!!!!!!!

MeteredOut

gesdt50 said:

Malchester said:

Use moneyfactscompare.co.uk rather than MSE. Much better, easier to use and more information. Make sure you have accounts listed by rate to get all best rates first

Moneyfactscompare as a 0 rating on Trustpilot

Based on how many reviews?

Ultrasonic

Rosa_Damascena said:

I have to say I am cross with MSE for its inaccuracy on the main website saying that Cynergy Bank pays a fixed rate of 4.17%. It is in fact a variable rate.

What I'm after is a fixed rate (hence fixed term) cash ISA that I can transfer previous years ISAs into. Unsurprisingly, the best rate are variable.

The link on the main site takes me to a Cynergy Bank webpage showing a fixed rate (not variable)?

Gambler

MichaelAP said:

slinger2 said:

wiseonesomeofthetime said:

Well, there you have it. Same as the Limited Access Saver, Monument Bank, have confirmed a rate drop from 4.76% to 4.25% wef from 29 May 2025.

Of course, this is the problem with a variable rate product. I've got most of my ISA cash in 1-year fixes at around 4.5%. On the remote chance that I'll need the money I'll happily pay the (roughly) 1% penalty.

Monument must be aware that such a big cut is going to annoy a lot of their customers. Perhaps they're thinking that most will stay at 4.25%.

With a drop of 0.51% that will be a hard pill to swallow. I’m scrambling my mind trying to ascertain what their method is.

I think it has been 4.76 since the end of last year and we've now had 2 rate cuts. They held firm in Feb.

Patr100

Email from Trading  212:

"We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 26 May 2025.
Your rates will be as follows: Trading 212 Cash ISA: From 4.35% to 4.10%
Your Cash ISA promotional rate remains unaffected and will continue to be applied on top of the base interest rate. 

Patr100

gesdt50 said:

Malchester said:

Use moneyfactscompare.co.uk rather than MSE. Much better, easier to use and more information. Make sure you have accounts listed by rate to get all best rates first

Moneyfactscompare as a 0 rating on Trustpilot

 3.8 (Great) according to 3 reviews.

https://uk.trustpilot.com/review/moneyfacts.co.uk

Johnny-Cage

So now T212 are dropping the rates again looking for a flexible ISA to transfer too
Is Monument going to be the best currently to transfer to that gives monthly interest