Cash ISAs: The Best Currently Available List

LL_USS

Saving rates are going down most everywhere, which is hard to see as we are now used to having decent rates for the last few years. I still keep a fair share of savings in cash ISAs till I know whether I need the money for a project (only managed to fix 3 years for 4.43% rate) and after that, time to rethink of how best to keep savings I guess.

Patr100

MeteredOut said:

Patr100 said:

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

Wrong site, though part of the same group.

https://www.trustpilot.com/review/moneyfactscompare.co.uk

They do have a zero rating, but with 0 reviews, it's a bit harsh to be calling them out on that!

They are linking  back to the moneyfactscompare.co.uk site though I assume the original url/site  is no longer in use by them.

Ocelot

flobbalobbalob said:

slinger2 said:

Monument have a message on their Cash ISA page: "We've temporarily paused new applications for our Easy Access Cash ISA."

I've no idea whether the rate for existing customers is being cut.

They have just reduced their limited access account by 0.52% 

Paragon just emailed me saying they are reducing their (non ISA) easy access a/c from 2% to 1.5%.

gesdt50

Middle_of_the_Road said:

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

Well, that just shows you the true value of trust pilot. A pointless entity.... Where as Money facts is a valuable comparison tool, famed around these parts.

"famed around money saving expert, so your giving more credit here than to your own suggestion 

Archerychick

MichaelAP said:

Johnny-Cage said:

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 

Monument will be reducing to 4.25% as of 29 May. It’s still the best for a Flexible ISA. For Non-Flex Tembo are still at 4.80% but are yet to publish any changes to rates from the last BOE rate cut.

Vida are currently still at 4.63% but they haven’t announced a reduction yet so I’m expecting it to go down soon, but hopefully not as far as Monument. Is a flexible ISA 

Rosa_Damascena

Ultrasonic said:

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)?

Thank you! When I tried to open it yesterday the details indicated a variable rate. I'll try to transfer an old ISA in that direction now. The next BoE base rate review is in a months time and I can see rates sinking further.

ETA: I have got to the bottom of it now. If you are an existing account holder and use the fast application process it takes you through to the 1yr 4.2% VARIABLE product - that's the only option. To get the fixed rate product I had to log out and apply from scratch (although it did recognise me as an existing Cynergy customer and gave me the loyalty rate). Hopefully this might save someone else a phone call to CS!

MSE - I take it all back 

intalex

intalex said:

intalex said:

Though Skipton haven't yet announced rate reductions, an issue 2 of their quadruple access ISA has been made available with 4.00% AER... I wonder what they'll drop issue 1 to (from 4.35% AER)...

Rate reductions effective 9 June now published, 4-access issue 1 not on the list so presumably stays at 4.35% AER just yet...

It's also going down on 9 June, to 4.10% AER, just been informed in an email from Skipton

Anyone know if the Paragon double access ISA is on notice of rate reduction (from 4.50%)?

allegro120

Archerychick said:

MichaelAP said:

Johnny-Cage said:

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 

Monument will be reducing to 4.25% as of 29 May. It’s still the best for a Flexible ISA. For Non-Flex Tembo are still at 4.80% but are yet to publish any changes to rates from the last BOE rate cut.

Vida are currently still at 4.63% but they haven’t announced a reduction yet so I’m expecting it to go down soon, but hopefully not as far as Monument. Is a flexible ISA 

I'm looking at Vida and Principality (4.5%),  planning to open both this weekend and request small test transfers out of Monument and see how it goes.  I expect all of them to have a cut very soon,  more options the better.  I won't attempt whole balance transfer out of Monument yet, 4.25% might be a good rate by the end of this month, you never know.

I've never heard of Vida before yesterday when I was looking at what's available on cash ISA market.  I guess they have never offered decent rates before, otherwise I would have already had an account with them.

rallycurve

allegro120 said:

Archerychick said:

MichaelAP said:

Johnny-Cage said:

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 

Monument will be reducing to 4.25% as of 29 May. It’s still the best for a Flexible ISA. For Non-Flex Tembo are still at 4.80% but are yet to publish any changes to rates from the last BOE rate cut.

Vida are currently still at 4.63% but they haven’t announced a reduction yet so I’m expecting it to go down soon, but hopefully not as far as Monument. Is a flexible ISA 

I'm looking at Vida and Principality (4.5%),  planning to open both this weekend and request small test transfers out of Monument and see how it goes.  I expect all of them to have a cut very soon,  more options the better.  I won't attempt whole balance transfer out of Monument yet, 4.25% might be a good rate by the end of this month, you never know.

I've never heard of Vida before yesterday when I was looking at what's available on cash ISA market.  I guess they have never offered decent rates before, otherwise I would have already had an account with them.

Principality has already announced its 5 Access Cash ISA is going down to 4.25% on 19 June: 
https://principality.co.uk/home/savings/savings-accounts/online-bonus-5-access-cash-isa

XDA

intalex said:

intalex said:

intalex said:

Though Skipton haven't yet announced rate reductions, an issue 2 of their quadruple access ISA has been made available with 4.00% AER... I wonder what they'll drop issue 1 to (from 4.35% AER)...

Rate reductions effective 9 June now published, 4-access issue 1 not on the list so presumably stays at 4.35% AER just yet...

Anyone know if the Paragon double access ISA is on notice of rate reduction (from 4.50%)?

Yes.

We're changing your interest rate We're letting you know that we’re changing the rate on your account. Like other banks, we always monitor the savings market to make sure we stay as competitive as possible and occasionally we must make the decision to reduce our rates.

Double Access ISA Issue 6

Previous AER* New AER* Effective from Higher rate 4.55% 4.25% 30 May 2025