Cash ISAs: The Best Currently Available List

pecunianonolet

allegro120 said:

pecunianonolet said:

allegro120 said:

pecunianonolet said:

allegro120 said:

pecunianonolet said:

Not sure if this was already reported but Cynergy Bank launched an Easy Access ISA at 4.35% (not flexible) on 3rd September.

https://www.cynergybank.co.uk/personal/online-isa

I've made an attempt going through existing customer route (Fast Track). It didn't work - "Please call us on 0345 850 5555 to get you set up for Fast Track. We will need your most recent National Insurance Number. We'll update your details as quickly as possible."  Don't know whether to try applying as a new customer or call them on Monday to submit my NI number.

Same here, rather poor show imho. Why can they not simply add a form like literally anyone else and capture that data during application is beyond me. 

Cynergy
I went for new customer application, but had to abandon it.  When it came to "Choose your existing cash ISA provider" CMC wasn't on the list and you cant' just type it in.  The whole point was to find a new home for my CMC ISA.

Yes, Cynergy have a list of providers they accept and CMC is not on their list and it seems that's the case with many providers too. I spoke with Coventry on the phone and they said they accept CMC but only via paper form so downloaded the form and sent it off to Coventry using one of the many Freepost envelopes I still have. 

I was thinking that you could open the Cynergy ISA before they withdraw it. I think they give you 35 days to fund it before it gets automatically closed. Surely, if they give 35 days that should also include providing transfer in instructions. In my and OH's case, that would mean that as soon as funds are landed with Coventry's 4.15% 5 Access ISA the transfer to Cynergy would be initiated and should not take long from there due to electronic transfer procedure. 

Out of ISA accounts I currently have I can only use Paragon for transfers to Cynergy.  I still have a small allowance for this tax year so I've opened Cynergy issue 56 with £1 for now.  Also requested a full transfer from CMC to Paragon.  Paragon allows transfers from unlisted ISA providers, just need to submit a "paper" form which can be e-mailed to them.  I've done a couple of transfers to Paragon from unlisted providers recently and it worked.  When this is done I will request a transfer from Paragon to Cynergy.

Did you phone them in the end to provide your NI number or did you use the new customer route and they merged profiles?

allegro120

pecunianonolet said:

allegro120 said:

pecunianonolet said:

allegro120 said:

pecunianonolet said:

allegro120 said:

pecunianonolet said:

Not sure if this was already reported but Cynergy Bank launched an Easy Access ISA at 4.35% (not flexible) on 3rd September.

https://www.cynergybank.co.uk/personal/online-isa

I've made an attempt going through existing customer route (Fast Track). It didn't work - "Please call us on 0345 850 5555 to get you set up for Fast Track. We will need your most recent National Insurance Number. We'll update your details as quickly as possible."  Don't know whether to try applying as a new customer or call them on Monday to submit my NI number.

Same here, rather poor show imho. Why can they not simply add a form like literally anyone else and capture that data during application is beyond me. 

Cynergy
I went for new customer application, but had to abandon it.  When it came to "Choose your existing cash ISA provider" CMC wasn't on the list and you cant' just type it in.  The whole point was to find a new home for my CMC ISA.

Yes, Cynergy have a list of providers they accept and CMC is not on their list and it seems that's the case with many providers too. I spoke with Coventry on the phone and they said they accept CMC but only via paper form so downloaded the form and sent it off to Coventry using one of the many Freepost envelopes I still have. 

I was thinking that you could open the Cynergy ISA before they withdraw it. I think they give you 35 days to fund it before it gets automatically closed. Surely, if they give 35 days that should also include providing transfer in instructions. In my and OH's case, that would mean that as soon as funds are landed with Coventry's 4.15% 5 Access ISA the transfer to Cynergy would be initiated and should not take long from there due to electronic transfer procedure. 

Out of ISA accounts I currently have I can only use Paragon for transfers to Cynergy.  I still have a small allowance for this tax year so I've opened Cynergy issue 56 with £1 for now.  Also requested a full transfer from CMC to Paragon.  Paragon allows transfers from unlisted ISA providers, just need to submit a "paper" form which can be e-mailed to them.  I've done a couple of transfers to Paragon from unlisted providers recently and it worked.  When this is done I will request a transfer from Paragon to Cynergy.

Did you phone them in the end to provide your NI number or did you use the new customer route and they merged profiles?

I phoned this morning, gave them my NI number and 1 hour later was able to use fast track.  They did say the update can take up to 24 hours, but it's usually quicker so it's worth trying later today.

rallycurve

What are people experiences transferring ISAs out of Natwest?
I got a text from them on Thursday morning confirming they are progressing my transfer but money is still sitting there, earning a poor 1.15%.
Just wondering how much longer it'll take them

subjecttocontract

rallycurve said:

What are people experiences transferring ISAs out of Natwest?
I got a text from them on Thursday morning confirming they are progressing my transfer but money is still sitting there, earning a poor 1.15%.
Just wondering how much longer it'll take them

They have got 15 working days.

Rich2808

rallycurve said:

What are people experiences transferring ISAs out of Natwest?
I got a text from them on Thursday morning confirming they are progressing my transfer but money is still sitting there, earning a poor 1.15%.
Just wondering how much longer it'll take them

I spoke to NatWest on Friday re my transfer - took me for ever for their AI system to get to grips with the word savings and ISA transfer before I could speak to a human!

Was told there were a dozen or more 'notes' on my account confirming all was ready to go - and funds would go out that day. Funds are still in my account today though - so haven't been transferred yet. 

My new provider is quite relaxed (it is going to a fixed rate ISA but they will accept it however long it takes NW. Got through to a human within 30 seconds calling them post a simple Non AI menu (current savings customer - press 2!!). 

They have up to 15 days as has been said!

subjecttocontract

Note: that's 15 working days....which can be up to 3 calender weeks (or more).

nomorekids

Nat West
My experience so far hasn't been good, completed transfer form Nat West to Shawbrook 3 weeks before maturity ticking the "wait for maturity' option expecting with that much notice, the transfer would be quick on maturity only to be told Nat West have 15 working days from the maturity date not from the date of request. Excessively slow IMHO

gwapenut

The 15 working days is for the entire ISA transfer process though, with bits of that split between different elements of the ISA transfer process. Not all of those days are for NatWest to squander.

Sadly I lost the near 6% NatWest ISA fix a couple of years ago because that gang of clowns completely messed up my transfer in, and the complaints process was dire, so I sincerely hope the transfers out go better for you.

OrangeBlueGreen

nomorekids said:

Nat West
My experience so far hasn't been good, completed transfer form Nat West to Shawbrook 3 weeks before maturity ticking the "wait for maturity' option expecting with that much notice, the transfer would be quick on maturity only to be told Nat West have 15 working days from the maturity date not from the date of request. Excessively slow IMHO

I imagine legacy banks to be the slowest with just about everything, using outdated systems. It probably just gets parked until the maturity date and then gets back in to the queue with all the new transfers coming in around that time. Fingers crossed it won't be long.

Shedman

rallycurve said:

What are people experiences transferring ISAs out of Natwest?
I got a text from them on Thursday morning confirming they are progressing my transfer but money is still sitting there, earning a poor 1.15%.
Just wondering how much longer it'll take them

2 working days from both Nat West and RBS to Vida Savings

Ignore that ...that was Virgin to Vida (senior moment..had a number of transfers going around the same time ).  Still waiting for NW and RBS to Shawbrook