Cash ISAs: The Best Currently Available List

Growingold

PARAGON have a 40 day notice ISA at 4.15%.  Interest monthly or yearly.  A flexible ISA min opening deposit £500. Reduction in interest rate given by 14 days plus the notice period of 40 days ie 54 days.

allegro120

Archerychick said:

allegro120 said:

pecunianonolet said:

The air is getting thinner and it's going to be more and more difficult to find providers above 4%.

Vida is an option indeed but not sure how much I trust them. There was quite som discussion a while back about their balance sheets, etc.

Also, could imagibe that CMC will have a few millions in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows. Vida may not be able to absorb a lot of that and the question is when they last loweed their rates or if an decrease of their rate is more likely to happen within the next 1-2 weeks.

Vida has not announced any reductions recently.  The last drop was massive, so may be they will stick with this rate for longer?  But you never know...
I have Vida ISA with the balance of £10.08.  I opened it when the rate was 4.63%, tried to do transfers in, all failed, so I secured the account by depositing £10.  I've never attempted transfers in since, don't want to go through this again.  Their CS wasn't great when I had to deal with failed transfers.

We have had ISAs with Vida for a little while now, the initial experience wasn’t great but I recall that ISAs were quite new to them. We have since transferred in 2 more ISAs to them, and they have been great - proactively calling me about a rejected transfer with clear ‘this is what you need to do’ so may be worth another go!

Thanks for this info.  Need to think about this, my worry is that they might reduce the rate in very near future.
Do they do electronic transfers now? When I applied there was an option during the application process to initiate transfer.  I've done that, but transfer failed and the only other option was to do it by paper, there was nothing on website or app allowing to do it electronically. I've asked them to post me the application form, they sent me a covering letter but forgot to include the actual form.  I then went to my local library, printed, filled, sent, but unfortunately transfer failed again

powerful_Rogue

Just moved from Trading212 to Tembo, Took around 4 days in total.

charlie12525

powerful_Rogue said:

Just moved from Trading212 to Tembo, Took around 4 days in total.

You were lucky.

I recently requested 3 seperate ISA transfer requests from 3 different Trading 212 ISA accounts (mine and my parents').

All were requests from 3 different providers.

After a week or 2 of no action on all of them I contacted T212.

Received 3 identical replies denying receipt of any ISA transfer out requests.

Good work, Trading 212.

powerful_Rogue

charlie12525 said:

powerful_Rogue said:

Just moved from Trading212 to Tembo, Took around 4 days in total.

You were lucky.

I recently requested 3 seperate ISA transfer requests from 3 different Trading 212 ISA accounts (mine and my parents').

All were requests from 3 different providers.

After a week or 2 of no action on all of them I contacted T212.

Received 3 identical replies denying receipt of any ISA transfer out requests.

Good work, Trading 212.

After reading a few threads on here about transferring out of T212 I was expecting something similar to you. However was totally surprised at how effecient it was.

Russ66

allegro120 said:

Archerychick said:

allegro120 said:

pecunianonolet said:

The air is getting thinner and it's going to be more and more difficult to find providers above 4%.

Vida is an option indeed but not sure how much I trust them. There was quite som discussion a while back about their balance sheets, etc.

Also, could imagibe that CMC will have a few millions in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows. Vida may not be able to absorb a lot of that and the question is when they last loweed their rates or if an decrease of their rate is more likely to happen within the next 1-2 weeks.

Vida has not announced any reductions recently.  The last drop was massive, so may be they will stick with this rate for longer?  But you never know...
I have Vida ISA with the balance of £10.08.  I opened it when the rate was 4.63%, tried to do transfers in, all failed, so I secured the account by depositing £10.  I've never attempted transfers in since, don't want to go through this again.  Their CS wasn't great when I had to deal with failed transfers.

We have had ISAs with Vida for a little while now, the initial experience wasn’t great but I recall that ISAs were quite new to them. We have since transferred in 2 more ISAs to them, and they have been great - proactively calling me about a rejected transfer with clear ‘this is what you need to do’ so may be worth another go!

Thanks for this info.  Need to think about this, my worry is that they might reduce the rate in very near future.
Do they do electronic transfers now? When I applied there was an option during the application process to initiate transfer.  I've done that, but transfer failed and the only other option was to do it by paper, there was nothing on website or app allowing to do it electronically. I've asked them to post me the application form, they sent me a covering letter but forgot to include the actual form.  I then went to my local library, printed, filled, sent, but unfortunately transfer failed again

Vida rates dropping next week on some products according to website.

Archerychick

Russ66 said:

allegro120 said:

Archerychick said:

allegro120 said:

pecunianonolet said:

The air is getting thinner and it's going to be more and more difficult to find providers above 4%.

Vida is an option indeed but not sure how much I trust them. There was quite som discussion a while back about their balance sheets, etc.

Also, could imagibe that CMC will have a few millions in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows. Vida may not be able to absorb a lot of that and the question is when they last loweed their rates or if an decrease of their rate is more likely to happen within the next 1-2 weeks.

Vida has not announced any reductions recently.  The last drop was massive, so may be they will stick with this rate for longer?  But you never know...
I have Vida ISA with the balance of £10.08.  I opened it when the rate was 4.63%, tried to do transfers in, all failed, so I secured the account by depositing £10.  I've never attempted transfers in since, don't want to go through this again.  Their CS wasn't great when I had to deal with failed transfers.

We have had ISAs with Vida for a little while now, the initial experience wasn’t great but I recall that ISAs were quite new to them. We have since transferred in 2 more ISAs to them, and they have been great - proactively calling me about a rejected transfer with clear ‘this is what you need to do’ so may be worth another go!

Thanks for this info.  Need to think about this, my worry is that they might reduce the rate in very near future.
Do they do electronic transfers now? When I applied there was an option during the application process to initiate transfer.  I've done that, but transfer failed and the only other option was to do it by paper, there was nothing on website or app allowing to do it electronically. I've asked them to post me the application form, they sent me a covering letter but forgot to include the actual form.  I then went to my local library, printed, filled, sent, but unfortunately transfer failed again

Vida rates dropping next week on some products according to website.

Thanks for the heads up, I haven’t had any notification from them so maybe it doesn’t affect the existing accounts. 

Archerychick

allegro120 said:

Archerychick said:

allegro120 said:

pecunianonolet said:

The air is getting thinner and it's going to be more and more difficult to find providers above 4%.

Vida is an option indeed but not sure how much I trust them. There was quite som discussion a while back about their balance sheets, etc.

Also, could imagibe that CMC will have a few millions in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows. Vida may not be able to absorb a lot of that and the question is when they last loweed their rates or if an decrease of their rate is more likely to happen within the next 1-2 weeks.

Vida has not announced any reductions recently.  The last drop was massive, so may be they will stick with this rate for longer?  But you never know...
I have Vida ISA with the balance of £10.08.  I opened it when the rate was 4.63%, tried to do transfers in, all failed, so I secured the account by depositing £10.  I've never attempted transfers in since, don't want to go through this again.  Their CS wasn't great when I had to deal with failed transfers.

We have had ISAs with Vida for a little while now, the initial experience wasn’t great but I recall that ISAs were quite new to them. We have since transferred in 2 more ISAs to them, and they have been great - proactively calling me about a rejected transfer with clear ‘this is what you need to do’ so may be worth another go!

Thanks for this info.  Need to think about this, my worry is that they might reduce the rate in very near future.
Do they do electronic transfers now? When I applied there was an option during the application process to initiate transfer.  I've done that, but transfer failed and the only other option was to do it by paper, there was nothing on website or app allowing to do it electronically. I've asked them to post me the application form, they sent me a covering letter but forgot to include the actual form.  I then went to my local library, printed, filled, sent, but unfortunately transfer failed again

I guess it’s a gamble with any account isn’t it. 

I don’t know about how they do the transfers but our last took less than a week so I’d assume electronic but may depend on where it’s coming from. 

The form to fill in, I was able to download fill in and email back to them. 

Did they tell you why it failed? We had an issue with one of ours and they called and emailed us. 

allegro120

Russ66 said:

allegro120 said:

Archerychick said:

allegro120 said:

pecunianonolet said:

The air is getting thinner and it's going to be more and more difficult to find providers above 4%.

Vida is an option indeed but not sure how much I trust them. There was quite som discussion a while back about their balance sheets, etc.

Also, could imagibe that CMC will have a few millions in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows. Vida may not be able to absorb a lot of that and the question is when they last loweed their rates or if an decrease of their rate is more likely to happen within the next 1-2 weeks.

Vida has not announced any reductions recently.  The last drop was massive, so may be they will stick with this rate for longer?  But you never know...
I have Vida ISA with the balance of £10.08.  I opened it when the rate was 4.63%, tried to do transfers in, all failed, so I secured the account by depositing £10.  I've never attempted transfers in since, don't want to go through this again.  Their CS wasn't great when I had to deal with failed transfers.

We have had ISAs with Vida for a little while now, the initial experience wasn’t great but I recall that ISAs were quite new to them. We have since transferred in 2 more ISAs to them, and they have been great - proactively calling me about a rejected transfer with clear ‘this is what you need to do’ so may be worth another go!

Thanks for this info.  Need to think about this, my worry is that they might reduce the rate in very near future.
Do they do electronic transfers now? When I applied there was an option during the application process to initiate transfer.  I've done that, but transfer failed and the only other option was to do it by paper, there was nothing on website or app allowing to do it electronically. I've asked them to post me the application form, they sent me a covering letter but forgot to include the actual form.  I then went to my local library, printed, filled, sent, but unfortunately transfer failed again

Vida rates dropping next week on some products according to website.

Good news for me . This narrows down my list for transferring out of Tembo and CMC. 

Growingold

Archerychick said:

Russ66 said:

Vida rates dropping next week on some products according to website.

Thanks for the heads up, I haven’t had any notification from them so maybe it doesn’t affect the existing accounts. 

No notification either.  According to their T & C's they should give at least 14 days notice of interest rate reductions