Cash ISAs: The Best Currently Available List

moi

slinger2 said:

moi said:

gt94sss2 said:

Moneyfarm Cash ISA 4.84% AER variable (including 1year bonus)

Another thing in addition to what others have posted.... You have to

• Keep a deposit of at least £500 for 12 months from the date of the deposit.

So if you use the account for the 2025-26 subscriptions, and may want to transfer out within the year, you'd lose the Moneyfarm bonus because you can't 'leave £500 in' & transfer part of the current year's subscription.

I thought the ISA rule about not allowing a partial transfer of the current year's subscription was scrapped in 2024.

My bad! I'll delete it. It was a while ago I looked at & dismissed them because of the partial issue. Current info:

https://blog.moneyfarm.com/en/saving-and-investments/how-many-isas-can-i-have-and-open-in-a-year-lets-find-out
 

surreysaver

surreysaver said:

Nick_C said:

Many thanks for all the advice on transferring a flexible cash ISA but staying with the same provider.  I was totally unaware of the limitation on doing this. 

I've withdrawn about £7k from my Skipton Tracker ISA this year, so I need to replace this before I open the new Skipton Tracker and do the transfer.

The extra 0.1% interest isn't significant, but the fact that it is for another 12 months is.

I've got about £10k in the flexible Skipton Tracker (BOEBR - 0.25%) ISA currently, and over £20k in a Principality flexible ISA which I have not funded this year. 

So my plan is to withdraw £7k from Principality, top up Skipton, transfer Skipton to Skipton, then withdraw the £7k from the new Skipton account and pay it back into Principality. 

Does that comply with the rules? 

Can't Skipton just convert the account? That way it would retain the same account number, and therefore would be the same account, saving all the faff of moving money around.
That's what I do with Principality every year when it matures and I want to change it to a different ISA

Further to this, I went into a Skipton branch to convert my Issue 7 to Issue 8 Tracker Cash ISA, five minute job. You can do it over the phone. Interest paid up until the change and same account number kept, so saves having to faff with doing it via a transfer and topping back up the withdrawn flexible withdrawals.

s71hj

Anyone else struggling to login to Plum at the moment? Won't accept my account in the app either using mobile or email 

flaneurs_lobster

s71hj said:

Anyone else struggling to login to Plum at the moment? Won't accept my account in the app either using mobile or email 

Fine here using app.

brewerdave

Anyone had problems with opening an ISA with Trading 212? My wife gave up as she couldn't get past the identity verification stage involving the video ident. I got a bit further but the system decided it needed manual verification - 1 hour wait - that was yesterday morning - still waiting!

brewerdave

brewerdave said:

Anyone had problems with opening an ISA with Trading 212? My wife gave up as she couldn't get past the identity verification stage involving the video ident. I got a bit further but the system decided it needed manual verification - 1 hour wait - that was yesterday morning - still waiting!

EDIT - I went on the chat bot ,and miracle of miracles!, it connected me to a human. After a few minutes the agent verified my information and activated the account - no explanation of why the huge delay - just wonder if the mention of them in ML newsletter has caused their systems to partially collapse!

wmb194

brewerdave said:

Anyone had problems with opening an ISA with Trading 212? My wife gave up as she couldn't get past the identity verification stage involving the video ident. I got a bit further but the system decided it needed manual verification - 1 hour wait - that was yesterday morning - still waiting!

Try with another device?

frosch411

flaneurs_lobster said:

s71hj said:

Anyone else struggling to login to Plum at the moment? Won't accept my account in the app either using mobile or email 

Fine here using app.

Same..app working ok for me, too.

winkowinko

I'm on the lookout for a new EA Flexible ISA (Chip promo about to expire), and was considering Trading212, but have just noticed that the promo rate of 4.92% doesn't allow cash transfers in. Is this something new, or have they always done this?

moi

winkowinko said:

I'm on the lookout for a new EA Flexible ISA (Chip promo about to expire), and was considering Trading212, but have just noticed that the promo rate of 4.92% doesn't allow cash transfers in. Is this something new, or have they always done this?

I applied recently to T212 with the Moneyfacts code MFC (4.81% including bonus.) That didn't have the *not-transfers-in clause that the MSE promo code specified.