Cash ISAs: The Best Currently Available List

winkowinko

moi said:

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.

Looks like you can't get the 'transfer in' bonus rate regardless of which link you follow now.

brewerdave

wmb194 said:

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?

I got a manual verification via Chat after it had accepted my video .
It appears to be the quality of the videocam on the phone that matters - my wife tried again yesterday but it wouldn't accept the upload - not worth the hassle trying again and certainly not worth buying another phone !!

Aidanmc

Vida Defined access ISA rate cuts.

As a result, and following a review of our current rates and the wider market, we are reducing the rate on your Defined Access ISA account by the same amount to 4.38% Gross/AER (Annual interest), 4.29%/4.38% Gross/ AER (Monthly interest).

At Vida Savings we always aim to offer transparent and competitive rates of interest, however, as rates across the market continue to fall, we do need to adjust our interest rates too.

Your new rate will be effective from 10th July 2025.

surreysaver

Aidanmc said:

Vida Defined access ISA rate cuts.

As a result, and following a review of our current rates and the wider market, we are reducing the rate on your Defined Access ISA account by the same amount to 4.38% Gross/AER (Annual interest), 4.29%/4.38% Gross/ AER (Monthly interest).

At Vida Savings we always aim to offer transparent and competitive rates of interest, however, as rates across the market continue to fall, we do need to adjust our interest rates too.

Your new rate will be effective from 10th July 2025.

Easy Access going down to 4.22/4.3% too

jwelly

Quick question about transferring my cash ISA in full from Trading 212 to Tembo.

Tembo are asking for the balance even though I'm requesting a full transfer.

But do I input the T212 "Total value", which includes pending interest, or just my current cash balance?

I'm worried that if I put the wrong amount, the T212 account will still stay open or that I might lose T212 interest that was pending.

zombie404

jwelly said:

Quick question about transferring my cash ISA in full from Trading 212 to Tembo.

Tembo are asking for the balance even though I'm requesting a full transfer.

But do I input the T212 "Total value", which includes pending interest, or just my current cash balance?

I'm worried that if I put the wrong amount, the T212 account will still stay open or that I might lose T212 interest that was pending.

I just put current balance when transferred out 3 months ago and pending interest went over with transfer 

moi

zombie404 said:

jwelly said:

Quick question about transferring my cash ISA in full from Trading 212 to Tembo.

Tembo are asking for the balance even though I'm requesting a full transfer.

But do I input the T212 "Total value", which includes pending interest, or just my current cash balance?

I'm worried that if I put the wrong amount, the T212 account will still stay open or that I might lose T212 interest that was pending.

I just put current balance when transferred out 3 months ago and pending interest went over with transfer 

Same, a while ago. Just to add, although Trading212 did clearly do the "full transfer" by adding on the pending interest, they didn't automatically close the account (which I thought was the norm with full transfers out.) I had to do that myself afterwards. (I just requested to delete the whole profile .)

clairec666

Tembo now offer a 12-month fixed rate ISA at 4.27%. On their website it still says "coming soon" and doesn't quote the interest rate, but it is showing up on their app. It currently says "new deposits only - transfers from existing ISAs are not supported". However in the FAQs it says "if you already have an ISA, you can also transfer this to Tembo".

etienneg

The section above "Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in:" appears to be well out of data. For example, the links given for Vida, Harpenden and Paragon go to "page not found", so are either NLA or different issues at a lower rate. Principality is now 4.25% and Furness is now 4.15%. 

Ch1ll1Phlakes

etienneg said:

The section above "Variable Rate Cash ISAs with withdrawal restrictions & accepting transfers in:" appears to be well out of data. For example, the links given for Vida, Harpenden and Paragon go to "page not found", so are either NLA or different issues at a lower rate. Principality is now 4.25% and Furness is now 4.15%. 

Yes the pinned page was last edited on the 17th June. So many of the links are probably now out of date. With this in mind please take the rates shown on the post with a pinch of salt and check they are still available.