Cash ISAs: The Best Currently Available List

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?

masonic

s71hj said:

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?

Of course not. Do they really demand their customers must use them exclusively for all ISA savings?