Cash ISAs: The Best Currently Available List

slinger2

I notice that Moneybox have banners on their web site:

Cash ISA: "The rate on this product will decrease from 4.45% AER (variable) to 4.20% AER (variable) on 22 August 2025. This includes an introductory fixed bonus rate of 0.50% for the first 12 months."

Open Access Cash ISA: "The rate on this product will decrease from 4.25% AER (variable) to 4.00% AER (variable) on 22 August 2025. This includes an introductory fixed bonus rate of 0.50% for the first 12 months."

So just a 0.25% cut on these accounts.

northernstar007

shawbrook still offering 4.31% fixed 12 months

clairec666

We're now getting to the point where fixed rates are higher than easy access, it's generally been the reverse for a while now.

That's a big drop from Tembo. Thankfully they've only cut the LISA rate to 4.1% (from 4.33%) which seems reasonable.

2010

Paragon 4.28% for 15 months.

Gambler

northernstar007 said:

shawbrook still offering 4.31% fixed 12 months

Never had a fix before, feels strange 🤓

OrangeBlueGreen

That is a huge drop from Tembo!

scotsmantom

Gambler said:

scotsmantom said:

Tembo dropping their cash ISA rate from 4.64% to 4.10% from 18th August! I have just transferred to them from Chip ☹️

What!!

I've just done the same as you.

Where to next?!?

I have cancelled my transfer in time. Chip app better than Tembo which sends you an email with a code each time you want to look at it!

flaneurs_lobster

scotsmantom said:

... Tembo which sends you an email with a code each time you want to look at it!

The app? Mine doesn't - straight in with a fingerprint.

scotsmantom

flaneurs_lobster said:

scotsmantom said:

... Tembo which sends you an email with a code each time you want to look at it!

The app? Mine doesn't - straight in with a fingerprint.

Ahh yes… I am on iPhone so no fingerprint but I can see Face ID is an option thanks. I am still sticking with Chip!

OrangeBlueGreen

With Chip, am I right to think that their rates already factor in the latest decrease in the BOE rate?

Their AI bot and email responses are sending me round in circles with templates and has too many variables what with bonus/no bonus/date of opening.