Cash ISAs: The Best Currently Available List

MichaelAP

allegro120 said:

Gambler said:

allegro120 said:

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in outflows coming their way so other providers may not be able to absorb all this cash so I supect products to be withdrawn or rates to be lowered to discourage further inflows.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. 

Where are you thinking?

I was tempted by Kent but can't be doing with paper applications!

I've requested a full transfer from Tembo to Paragon. Paragon (issue 9) is paying 4.5% (reduced to 4.25% wef 4 September), so 4.25% is likely to stay there for a while.

I have only £3.5k in CMC.  I'm thinking either to up Paragon or Moneybox (4.25%), I don't have any other ISAs paying more than 4.25%. Kent Reliance is offering 4.32%, but I'm a bit tired of opening slightly better paying ISAs just to find a few weeks later that they are reducing their rate. 

On Paragon’s web site for Cash ISA’s I am not seeing the one you mention (issue 9).
The highest interest account on their site for an ISA is a 40 Day Notice Cash ISA paying 4.15% AER

slinger2

MichaelAP said:

allegro120 said:

Gambler said:

allegro120 said:

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. 

Where are you thinking?

I was tempted by Kent but can't be doing with paper applications!

I've requested a full transfer from Tembo to Paragon. Paragon (issue 9) is paying 4.5% (reduced to 4.25% wef 4 September), so 4.25% is likely to stay there for a while.

I have only £3.5k in CMC.  I'm thinking either to up Paragon or Moneybox (4.25%), I don't have any other ISAs paying more than 4.25%. Kent Reliance is offering 4.32%, but I'm a bit tired of opening slightly better paying ISAs just to find a few weeks later that they are reducing their rate. 

On Paragon’s web site for Cash ISA’s I am not seeing the one you mention (issue 9).
The highest interest account on their site for an ISA is a 40 Day Notice Cash ISA paying 4.15% AER

That account's no longer available. It was a double access ISA. In fact they're not offering any double access ISAs at the moment, just a not too tempting triple access.

see "Defined access cash ISA" in https://www.paragonbank.co.uk/savings/historic-rates

pecunianonolet

Nationwide 

1 Year Triple Access Online ISA is dropping from 3.75% to 3.5%

Not competitive but may be of interest to someone.


https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/savings/summary-boxes/p4336-1-year-triple-access-online-isa.pdf?rev=595e49c768c04f51b74131db72115440

pecunianonolet

Kroo Cash ISA

Looks like Kroo launched a new version of their fully flexible ISA with unlimited withdrawals now at 3.8%. 
You need the Kroo Current Account to be elegible for this ISA.

https://kroo.com/cash-isa

pecunianonolet

Kent Reliance ISA at 4.32% now NLA

Gambler

pecunianonolet said:

Kent Reliance ISA at 4.32% now NLA

Yes I noticed that myself so that's made my mind up for me. I've just opened 1 year fixed rate with Shawbrook. Never fixed before so it's just a change of mindset for me.

iantowelsh

Hi @Gambler, as this is your 1st fixed ISA, Shawbrook allow you to add new money during the fixed period. You can add £20k in Apr if you wish. 

Gambler

iantowelsh said:

Hi @Gambler, as this is your 1st fixed ISA, Shawbrook allow you to add new money during the fixed period. You can add £20k in Apr if you wish. 

Thank you, yes another reason why I opted for it.

DodgerPot

iantowelsh said:

Hi @Gambler, as this is your 1st fixed ISA, Shawbrook allow you to add new money during the fixed period. You can add £20k in Apr if you wish. 

Thanks for that info I’ve just started a transfer today into Shawbrook 1yr Fixed 

Gambler

DodgerPot said:

iantowelsh said:

Hi @Gambler, as this is your 1st fixed ISA, Shawbrook allow you to add new money during the fixed period. You can add £20k in Apr if you wish. 

Thanks for that info I’ve just started a transfer today into Shawbrook 1yr Fixed 

I'm transferring from Tembo so it's not electronic. Opened the account last night. 

Printed and signed the transfer form today, emailed back to Shawbrook.

Tembo emailed me this afternoon asking for approval.