Cash ISAs: The Best Currently Available List

surreysaver

Kim_13 said:

surreysaver said:

flobbalobbalob said:

masonic said:

s71hj said:

Malchester said:

Just looked at VIDA savings. Their site says

Deposits must be added by electronic transfer from your Nominated Bank Account, which must be in your name.  You may also transfer existing ISAs from other providers into this account, up to the Maximum Account Balance.​

No suggestion it is compulsory. Do they mean if you are transferring an ISA to then you must transfer the full amount and not a partial transfer

It's this bit in the application:

Opening Your Account

Have you already opened and funded a Cash ISA with another provider in this tax year?

Yes

No

Your current year's ISA subscription must be moved to us in full. If you wish to transfer any previous years' ISA subscriptions, you can do this in part or transfer the full amount(s).

So it's a legacy question from the days of the "one current year ISA of each type" restriction.

Can be safely ignored, or answered with the closest option if compulsory (i.e. "None of your business" / "Not applicable" ~ No) until they get around to updating their systems. Or subscribe to this ISA first before taking out another.

I have been told by VIDA on the phone that the head office has knowingly made a decision to continue with the old regulations and this is still a required condition for VIDA.

It's not up to Vida. They do not have that authority to be above the law.
Sounds like you spoke to someone who doesn't know what they're talking about.

Clearly it's Head Office that don't know what they're talking about, and the person on the phone is just the messenger (and would probably be ill advised to tell Head Office they were wrong.) Is there a way of complaining directly to Head Office?

While some elements of the ISA changes were optional (whether to offer multiple ISAs with them, partial current year transfers out or the transitional arrangements for 16 and 17 year olds) that Cash ISAs are permitted elsewhere was not. That was mandatory, along with the increase to age 18.

The person on the phone could have misinterpreted what head office said; head office may not have said anything and the person on the phone may have just been blagging it. Who knows 

guli

friolento said:

danny13579 said:

friolento said:

I closed my Chip entire account, deleted the app as soon as I could no longer log in, re-installed the app, signed up again with same email, same phone no, same name, same address, same NINO. All on the same day.

I was about to do this but when I requested account closure from Chip they sent me a message with this line:

"Please also bear in mind that if you close your Chip Cash ISA, you won’t be able to re-open it or open a new one."

Were you able to open a new cash ISA with Chip after closing your account and applying for a new one?

Were you able to use the promo code to get the bonus ISA rate for a year?

Yes I was, and got the promo rate, for both, the ISA and the instant access saver

Re: Chip - FYI all, there is no ISA transfer drop down available to transfer from Monument to Chip

mr_accountant

guli said:

friolento said:

danny13579 said:

friolento said:

I closed my Chip entire account, deleted the app as soon as I could no longer log in, re-installed the app, signed up again with same email, same phone no, same name, same address, same NINO. All on the same day.

I was about to do this but when I requested account closure from Chip they sent me a message with this line:

"Please also bear in mind that if you close your Chip Cash ISA, you won’t be able to re-open it or open a new one."

Were you able to open a new cash ISA with Chip after closing your account and applying for a new one?

Were you able to use the promo code to get the bonus ISA rate for a year?

Yes I was, and got the promo rate, for both, the ISA and the instant access saver

Re: Chip - FYI all, there is no ISA transfer drop down available to transfer from Monument to Chip

That's correct so I transferred from Monument to Paragon, both flexible instant cash isa's

now started a switch from paragon to chip, will see how this one goes

frosch411

mr_accountant said:

guli said:

friolento said:

danny13579 said:

friolento said:

I closed my Chip entire account, deleted the app as soon as I could no longer log in, re-installed the app, signed up again with same email, same phone no, same name, same address, same NINO. All on the same day.

I was about to do this but when I requested account closure from Chip they sent me a message with this line:

"Please also bear in mind that if you close your Chip Cash ISA, you won’t be able to re-open it or open a new one."

Were you able to open a new cash ISA with Chip after closing your account and applying for a new one?

Were you able to use the promo code to get the bonus ISA rate for a year?

Yes I was, and got the promo rate, for both, the ISA and the instant access saver

Re: Chip - FYI all, there is no ISA transfer drop down available to transfer from Monument to Chip

That's correct so I transferred from Monument to Paragon, both flexible instant cash isa's

now started a switch from paragon to chip, will see how this one goes

I'm having to go Monunent-Halifax-Chip, how long did the Monument-Paragon transfer take?

mr_accountant

frosch411 said:

mr_accountant said:

guli said:

friolento said:

danny13579 said:

friolento said:

I closed my Chip entire account, deleted the app as soon as I could no longer log in, re-installed the app, signed up again with same email, same phone no, same name, same address, same NINO. All on the same day.

I was about to do this but when I requested account closure from Chip they sent me a message with this line:

"Please also bear in mind that if you close your Chip Cash ISA, you won’t be able to re-open it or open a new one."

Were you able to open a new cash ISA with Chip after closing your account and applying for a new one?

Were you able to use the promo code to get the bonus ISA rate for a year?

Yes I was, and got the promo rate, for both, the ISA and the instant access saver

Re: Chip - FYI all, there is no ISA transfer drop down available to transfer from Monument to Chip

That's correct so I transferred from Monument to Paragon, both flexible instant cash isa's

now started a switch from paragon to chip, will see how this one goes

I'm having to go Monunent-Halifax-Chip, how long did the Monument-Paragon transfer take?

6 days inc. weekend, I requested the switch same time as opening paragon account

clairec666

Shawbrook's 5 year fixed-rate ISA has now gone up to 4.18% (issue 59), inevitably just after I'd committed to issue 58 at 4.12%. Oh well, you win some you lose some 

Growingold

clairec666 said:

Shawbrook's 5 year fixed-rate ISA has now gone up to 4.18% (issue 59), inevitably just after I'd committed to issue 58 at 4.12%. Oh well, you win some you lose some 

Unless they've changed their rules if you're within the 14 day cooling off period you can ask them to close it and transfer to the new issue.  I did this twice last year.

clairec666

Growingold said:

clairec666 said:

Shawbrook's 5 year fixed-rate ISA has now gone up to 4.18% (issue 59), inevitably just after I'd committed to issue 58 at 4.12%. Oh well, you win some you lose some 

Unless they've changed their rules if you're within the 14 day cooling off period you can ask them to close it and transfer to the new issue.  I did this twice last year.

Unfortunately I've already passed the 14 days, but thanks for the tip

SFCooper

I’m trying to transfer my cash isa from Tembo into Chip. When I get to the signature screen I’m presented with “an unexpected error occurred”. I’ve tried several times to no avail.

 Has anyone faced the same issue?

s71hj

Anyone got any experience of transferring out of Trading 212 and into Moneybox, Tembo or Vida ISAs, partial or otherwise? Most of my ISA funds are with Trading 212 but the discrepancy in interest rate is quite significant now. However I read so many horror stories on here about ISA transfers, I'm a bit hesitant!