Cash ISAs: The Best Currently Available List

Stargunner

Aidanmc said:

Johnny-Cage said:

Transfer applied last Wed, T212 - Chip
Signed forms in the T212 app Fri and funds disappeared that day
Just received a email from Chip this morning transfer complete and funds now in the Chip ISA 

Is it normal not being credited any interest during the funds leaving a previous ISA and appearing in your new ISA
So 3 days worth 

Once you confirm the transfer on the T212 app, the funds leave your account immediately or thats been my experience.

Was it Friday afternoon?

May have been better to wait until today to confirm on T212 app.

Overall though a quick transfer.

It has transferred quicker than mine. I applied last Tuesday to trsnsfer from T212 to Chip and so far nothing has happened, just the message in the app saying that they take 15 working days.

pecunianonolet

jay1804 said:

PSA
CMC reducing rate email

We’re lowering your rate to 5.44% AER* (variable) in 10 business days

On 8 May 2025, the Bank of England reduced its base rate to 4.25%. As our Cash ISA savings rate is tied to the Bank of England base rate, we’re adjusting our standard savings rate.

 

Our Cash ISA standard rate will change from 4.85% AER* (variable) to 4.59% AER* (variable) on 16 June 2025.

 

This means that from 16 June you’ll be earning 5.44% AER* (variable) – 4.59% + a fixed 0.85% bonus rate for 90 days (from the date you opened a Cash ISA with us).

Additionally, The CHIP ISA rate for new customers reduced from 4.99% to 4.82%

dlevene

Transfer request from T212 to Chip went in on the 27th and completed today - can't say much fairer than that!

Sounds like I did well to get it at 4.99% too.

badger09

Principality Online Bonus 5 Access Cash ISA 
Email 3/6/25
Interest currently 4.4% (2.95% without bonus), reducing to
4.15% (2.7%) 19/6/25

Ist page shows issue 4 reducing to 4.25% 19/6

s71hj

Had a pension pot through and trying to work out how to put £20000 from into cash isas. Need to maintain penalty free access to some of it. I already have ISAs as follows, t212 4.1% flexible then non flexible: Plum 4.68% moneybox 4.8 and tembo 4.8. I was thinking of opening the Vida flexible one, possibly both the easy and defined access and splitting the 20000 between these 2 and the existing Moneybox one. Any constructive thoughts /advice appreciated, I know there's a lot of knowledge and experience on here.

slinger2

s71hj said:

Had a pension pot through and trying to work out how to put £20000 from into cash isas. Need to maintain penalty free access to some of it. I already have ISAs as follows, t212 4.1% flexible then non flexible: Plum 4.68% moneybox 4.8 and tembo 4.8. I was thinking of opening the Vida flexible one, possibly both the easy and defined access and splitting the 20000 between these 2 and the existing Moneybox one. Any constructive thoughts /advice appreciated, I know there's a lot of knowledge and experience on here.

Is T212 not flexible now? I missed that change

pecunianonolet

slinger2 said:

s71hj said:

Had a pension pot through and trying to work out how to put £20000 from into cash isas. Need to maintain penalty free access to some of it. I already have ISAs as follows, t212 4.1% flexible then non flexible: Plum 4.68% moneybox 4.8 and tembo 4.8. I was thinking of opening the Vida flexible one, possibly both the easy and defined access and splitting the 20000 between these 2 and the existing Moneybox one. Any constructive thoughts /advice appreciated, I know there's a lot of knowledge and experience on here.

Is T212 not flexible now? I missed that change

T212 is still flexible, the above post is just not very clearly articulated. 

s71hj

pecunianonolet said:

slinger2 said:

s71hj said:

Had a pension pot through and trying to work out how to put £20000 from into cash isas. Need to maintain penalty free access to some of it. I already have ISAs as follows, t212 4.1% flexible then non flexible: Plum 4.68% moneybox 4.8 and tembo 4.8. I was thinking of opening the Vida flexible one, possibly both the easy and defined access and splitting the 20000 between these 2 and the existing Moneybox one. Any constructive thoughts /advice appreciated, I know there's a lot of knowledge and experience on here.

Is T212 not flexible now? I missed that change

T212 is still flexible, the above post is just not very clearly articulated. 

Sorry if it was unclear, I put the flexible one first then listed all the non flexible ones together so that I only had to type "non flexible" once!

slinger2

s71hj said:

pecunianonolet said:

slinger2 said:

s71hj said:

Had a pension pot through and trying to work out how to put £20000 from into cash isas. Need to maintain penalty free access to some of it. I already have ISAs as follows, t212 4.1% flexible then non flexible: Plum 4.68% moneybox 4.8 and tembo 4.8. I was thinking of opening the Vida flexible one, possibly both the easy and defined access and splitting the 20000 between these 2 and the existing Moneybox one. Any constructive thoughts /advice appreciated, I know there's a lot of knowledge and experience on here.

Is T212 not flexible now? I missed that change

T212 is still flexible, the above post is just not very clearly articulated. 

Sorry if it was unclear, I put the flexible one first then listed all the non flexible ones together so that I only had to type "non flexible" once!

Sorry. I misread it.

s71hj

Re the Vida savings ISA, do they have any way to enforce their demand that you transfer any ISA with another provider to them in full as a condition of opening?