Cash ISAs: The Best Currently Available List

clairec666

flaneurs_lobster said:

savit4l8er said:

Virgin have repeated their 4.16 rate, now issue 675.

Matures September 2026 so just over a year should that appeal to anyone. 

1 Year Fixed Rate Cash E-ISA

Fixed rate until 24 September 2026 

4.16%

I've opened this ISA. It has a sort code of 08-60-64. My existing accounts with VM (current/ISA/EA/RS) all have an 82 sort code.

Does this mean that I will need a separate login account/separate app instance to access this new ISA or will it be available with my existing account logins?

I opened a fixed-rate ISA last year which has an 08 sort code. Later opened a current account and regular saver which have 82 sort codes. Can't advise on the app as I don't use it, but for online banking via a browser I have separate login details for the two different sort codes. Very annoying.

poseidon1

clairec666 said:

flaneurs_lobster said:

savit4l8er said:

Virgin have repeated their 4.16 rate, now issue 675.

Matures September 2026 so just over a year should that appeal to anyone. 

1 Year Fixed Rate Cash E-ISA

Fixed rate until 24 September 2026 

4.16%

I've opened this ISA. It has a sort code of 08-60-64. My existing accounts with VM (current/ISA/EA/RS) all have an 82 sort code.

Does this mean that I will need a separate login account/separate app instance to access this new ISA or will it be available with my existing account logins?

I opened a fixed-rate ISA last year which has an 08 sort code. Later opened a current account and regular saver which have 82 sort codes. Can't advise on the app as I don't use it, but for online banking via a browser I have separate login details for the two different sort codes. Very annoying.

Seems these differing sort codes are a legacy of Virgin's takeover of Clydesdale Bank and the awkward way they seem to have handled the integration of the two systems.

Be interesting to see how the next interation of integration plays out in the future, now that Nationwide are in the driving seat. I have different apps for my Virgin current accounts and credit card which are separate and distinct.

wmb194

clairec666 said:

flaneurs_lobster said:

savit4l8er said:

Virgin have repeated their 4.16 rate, now issue 675.

Matures September 2026 so just over a year should that appeal to anyone. 

1 Year Fixed Rate Cash E-ISA

Fixed rate until 24 September 2026 

4.16%

I've opened this ISA. It has a sort code of 08-60-64. My existing accounts with VM (current/ISA/EA/RS) all have an 82 sort code.

Does this mean that I will need a separate login account/separate app instance to access this new ISA or will it be available with my existing account logins?

I opened a fixed-rate ISA last year which has an 08 sort code. Later opened a current account and regular saver which have 82 sort codes. Can't advise on the app as I don't use it, but for online banking via a browser I have separate login details for the two different sort codes. Very annoying.

08-60-64 is the Northern Rock side of the business and you cannot see these accounts in the VM app which is for the Clydesdale/Yorkshire Bank side.

clairec666

poseidon1 said:

clairec666 said:

flaneurs_lobster said:

savit4l8er said:

Virgin have repeated their 4.16 rate, now issue 675.

Matures September 2026 so just over a year should that appeal to anyone. 

1 Year Fixed Rate Cash E-ISA

Fixed rate until 24 September 2026 

4.16%

I've opened this ISA. It has a sort code of 08-60-64. My existing accounts with VM (current/ISA/EA/RS) all have an 82 sort code.

Does this mean that I will need a separate login account/separate app instance to access this new ISA or will it be available with my existing account logins?

I opened a fixed-rate ISA last year which has an 08 sort code. Later opened a current account and regular saver which have 82 sort codes. Can't advise on the app as I don't use it, but for online banking via a browser I have separate login details for the two different sort codes. Very annoying.

Seems these differing sort codes are a legacy of Virgin's takeover of Clydesdale Bank and the awkward way they seem to have handled the integration of the two systems.

Be interesting to see how the next interation of integration plays out in the future, now that Nationwide are in the driving seat. I have different apps for my Virgin current accounts and credit card which are separate and distinct.

A good first move would be to move over all new fixed-rate ISAs. I don't understand why they haven't done this already, and done away with the 80 sort code for any new accounts.

A lot of people (not necessarily typical MSE forum users) favour choosing an ISA with a provider they already have accounts with, to keep their banking admin as simple as possible. Yet when they open an ISA with Virgin, there's no indication of the legacy Clydesdale / Northern Rock system and they don't realise they'll be stuck with another set of login details etc.