Cash ISAs: The Best Currently Available List

Gizmo70

I've noticed that the Chip ISA still shows a headline rate of 4.70% but that's now made up of a standard rate of 3.04% with a boost for 3 months of 1.66%

I was considering a move from Tembo, but reconsidering my options now.

epm-84

Brisfit said:

From CBS Member panel website 

On Tuesday 12 August, we launched two new accounts:

5 Access Saver – 1 Year @ 4.15% AER

5 Access ISA – 1 Year @ 4.15% AER

Please note: these new products will not be included in any rate reductions following the recent announcement.

Posted yesterday

Interesting, as they're reducing their 6 Access ISA from 4% to 3.65% on 1 September. Although, that doesn't have any fixed term.

wmb194

gwapenut said:

wmb194 said:

gwapenut said:

How long do Coventry give you to fund an account once it is opened? I've not been able to find this information after a quick look through the T&Cs, and I can't login online (anyone else unable to login via desktop chrome?) to send them a message

It’s stated in the summaries of the accounts:

“We must receive the first payment into the account, and any other payments in (including ISA transfer instructions) within 14 calendar days of us accepting your application, or while the account is still open to new investors, whichever is longer.”

https://www.coventrybuildingsociety.co.uk/member/product/savings/cash_isa/fixed-rate-isa-297-30-09-2028.html

Well that's what prompted me to ask - it states this for fixed rate ISAs like your link, but says nothing of that kind for the 5-access ISA in its summary box. It's not unusual for fixed rate accounts to be treated differently to easy access ones, so I'm left wondering.

Easy/instant access accounts are often whenever you like but for that one it just says the 12 month term begins on the date of then initial deposit.

"3.1 The date of opening will be the date on which both the initial deposit and completed application are received and accepted by us."

https://secure.coventrybuildingsociety.co.uk/savings-and-investments/application/SpecificTermsAndConds.aspx?prodCode=5I1S

liger

Will Kent Reliance transfer an ISA from Monument?

db3745

epm-84 said:

Brisfit said:

From CBS Member panel website 

On Tuesday 12 August, we launched two new accounts:

5 Access Saver – 1 Year @ 4.15% AER

5 Access ISA – 1 Year @ 4.15% AER

Please note: these new products will not be included in any rate reductions following the recent announcement.

Posted yesterday

Interesting, as they're reducing their 6 Access ISA from 4% to 3.65% on 1 September. Although, that doesn't have any fixed term.

I only picked up the existence of the 5 Access ISA through a check following my rate reduction notification on the 6 Access to 3.59%. I opt out of marketing emails so wonder if members are advised of these new savings accounts or they're only aimed at new customers? I could open a 5 Access online but then not allowed to transfer funds from 6 Access, except by phoning them. 

pecunianonolet

db3745 said:

epm-84 said:

Brisfit said:

From CBS Member panel website 

On Tuesday 12 August, we launched two new accounts:

5 Access Saver – 1 Year @ 4.15% AER

5 Access ISA – 1 Year @ 4.15% AER

Please note: these new products will not be included in any rate reductions following the recent announcement.

Posted yesterday

Interesting, as they're reducing their 6 Access ISA from 4% to 3.65% on 1 September. Although, that doesn't have any fixed term.

I only picked up the existence of the 5 Access ISA through a check following my rate reduction notification on the 6 Access to 3.59%. I opt out of marketing emails so wonder if members are advised of these new savings accounts or they're only aimed at new customers? I could open a 5 Access online but then not allowed to transfer funds from 6 Access, except by phoning them. 

Same here, opted out of marketing emails so only found out due to the excellent reporting of folks in this forum. I am not bothered as I have only £5 in the ISA as I long ago transferred out.  

epm-84

db3745 said:

epm-84 said:

Brisfit said:

From CBS Member panel website 

On Tuesday 12 August, we launched two new accounts:

5 Access Saver – 1 Year @ 4.15% AER

5 Access ISA – 1 Year @ 4.15% AER

Please note: these new products will not be included in any rate reductions following the recent announcement.

Posted yesterday

Interesting, as they're reducing their 6 Access ISA from 4% to 3.65% on 1 September. Although, that doesn't have any fixed term.

I could open a 5 Access online but then not allowed to transfer funds from 6 Access, except by phoning them. 

That isn't true if you've got an online account set up. Once the new ISA is opened, you click the "Isa transfer" button and then select an internal ISA transfer, and then the funds are transferred across within a few minutes of completing the process.

csw5780

New cash ISA from Starling:

“It’s not available for everyone just yet, but the good news is that you’re now able to apply for an account. And despite the Bank of England cutting the base rate, our Cash ISA isn’t tied to their rate, so you'll earn 3.85% AER (3.77% tax-free) variable interest on your money. Here’s what you need to know:

3.85% AER (3.77% tax-free) variable interest.* Paid monthly into your ISA, with no minimum deposit amount.

Flexible. Withdraw money from your Cash ISA and replace it without it counting towards your annual ISA allowance again, as long as it's within the same tax year.

*T&Cs apply. Subject to eligibility. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year. Tax free is the tax free rate of interest payable where interest is exempt from income tax. Interest is paid monthly.

We can’t transfer existing ISAs from other providers at the moment.” Via email https://help.starlingbank.com/personal/topics/cash-isa/

dlevene

Trying to break into a new market with a rubbish rate and no transfers. I do sometimes wonder what planet these people are on!

Rich2808

I see Paragon have withdrawn their 4.28% 15 month fixed rate isa.

https://www.paragonbank.co.uk/savings/cash-isas/fifteen-month-fixed-cash-isa