Cash ISAs: The Best Currently Available List

Andy261

Principality building society never seems to appear in the best buys. Their online bonus 5 cash isa is paying 4.25% including a 1.55% bonus. Limited to 5 withdrawls a year but it is a flexible isa. I’ve always had very quick response to online secure messaging. 

pookey

VNX said:

pookey said:

My Virgin ISA matured today.  I'm thinking about transferring it to Moneybox at 4.65%. Any known issues regarding transfer please? Or anything to avoid? 
Thanks

Only three withdrawals allowed with this rate (if) that’s an issue for you 

if so 4.45pc with Moneybox unrestricted 

Thanks, it should be fine as I don't plan to use the money

clairec666

Andy261 said:

Principality building society never seems to appear in the best buys. Their online bonus 5 cash isa is paying 4.25% including a 1.55% bonus. Limited to 5 withdrawls a year but it is a flexible isa. I’ve always had very quick response to online secure messaging. 

MSE's best ISA page only focuses on "easy access" and "fixed rate", so misses out some decent limited access accounts like the Principality one. It's flexible too which is useful. Only issue I've had with it is that transferring in after opening is a bit of a faff and you have to post them a paper form. I think transferring it at the time of opening was easier, if I remember correctly.

VNX

Andy261 said:

Principality building society never seems to appear in the best buys. Their online bonus 5 cash isa is paying 4.25% including a 1.55% bonus. Limited to 5 withdrawls a year but it is a flexible isa. I’ve always had very quick response to online secure messaging. 

It’s showing on moneyfactscompare 

Rheumatoid

pookey said:

My Virgin ISA matured today.  I'm thinking about transferring it to Moneybox at 4.65%. Any known issues regarding transfer please? Or anything to avoid? 
Thanks

My Virgin to moneybox was a disaster. Took about a month with lots of chasing and putting in a complaint. They wouldn't backdate the interest but in the end gave me a payment for lost interest and some compensation.

lascem

clairec666 said:

Andy261 said:

Principality building society never seems to appear in the best buys. Their online bonus 5 cash isa is paying 4.25% including a 1.55% bonus. Limited to 5 withdrawls a year but it is a flexible isa. I’ve always had very quick response to online secure messaging. 

MSE's best ISA page only focuses on "easy access" and "fixed rate", so misses out some decent limited access accounts like the Principality one. It's flexible too which is useful. Only issue I've had with it is that transferring in after opening is a bit of a faff and you have to post them a paper form. I think transferring it at the time of opening was easier, if I remember correctly.

Yes, transfers in to Principality are 'old school', but I have renewed faith in the old ways. When I transferred an isa from Newcastle BS to Principality, I posted the transfer form to Principality on Monday, received an email from NBS accepting request the next day, and funds were in the Principality account by Friday same week. Another supposedly faster electronic transfer between Monument and Ford Money took close to 7 weeks.

s71hj

In terms of the bugbear of cash isa transfer times Trading 212 to Moneybox just successfully completed within under 20 hours.

allegro120

pookey said:

My Virgin ISA matured today.  I'm thinking about transferring it to Moneybox at 4.65%. Any known issues regarding transfer please? Or anything to avoid? 
Thanks

I've made a full balance transfer from Virgin to Moneybox in January this year. It was quick and there were no issues.

pookey

Rheumatoid said:

pookey said:

My Virgin ISA matured today.  I'm thinking about transferring it to Moneybox at 4.65%. Any known issues regarding transfer please? Or anything to avoid? 
Thanks

My Virgin to moneybox was a disaster. Took about a month with lots of chasing and putting in a complaint. They wouldn't backdate the interest but in the end gave me a payment for lost interest and some compensation.

Did they give a reason of what went wrong? 
I did the transfer this morning. I've had an email from Moneybox to say they sent the request to Virgin so I'm hoping it goes through OK

JGal

I can't see how to get the 5% Chip rate; has it expired?