Cash ISAs: The Best Currently Available List

OrangeBlueGreen

Malchester said:

hellopaul said:

On the recommendation of Moneysavingexpert, I opened a Trading 212 cash ISA account. 

Genuine question. Do MSE actually recommend accounts? Or is it just from the comparison list of accounts? I've seen people say on here that MSE recommended an account. I never use MSE account comparison as I find Moneyfactscompare far superior.

I think it's just a figure of speech and ultimately we make our own decisions as to whether we want to open/do X based on the MSE info. I know it's very subjective but I've always thought it's a bit of a blurry line as to what is "We MSE are just saying this is worthy of your consideration" and "you should do this". Whilst we decide ourselves, it definitely influences actions and I can see why some people see it as a recommendation when I personally do not see it as that. I see it more as a "direct your research towards...".

It's a bit like when people talk about MSE advice and it's more of a nuance of "advising to have a look at" rather than "advising to open/do X". I imagine a lot of people take MSE info as an instruction which of course they are free to do. If MSE were a person, I think it would be considered an influencer. You have to be careful as some stuff gets MSE a commission and I personally think it could be a little clearer or made more obvious.

clairec666

Malchester said:

hellopaul said:

On the recommendation of Moneysavingexpert, I opened a Trading 212 cash ISA account. 

Genuine question. Do MSE actually recommend accounts? Or is it just from the comparison list of accounts? I've seen people say on here that MSE recommended an account. I never use MSE account comparison as I find Moneyfactscompare far superior.

Supposedly, MSE don't make recommendations, they just list accounts in order of interest rate and let you make your own choice.

But on their ISA page for example they have a section entitled "Easy-access cash ISAs – what we'd go for", which could definitely be interpreted as a recommendation. And unlike moneyfactscompare they only list a handful of accounts instead of letting you see everything that's available.

hellopaul

Gambler said:

How did you transfer the £10's?

You need to do it from the APP. If you transfer from your bank it's not instant. I made that mistake on one occasion.

Both times I sent the money from my bank's website - I don't trust this app enough to give it permission to help itself to money from my current account. The second £10 did actually appear in my account today!

pecunianonolet

Coventry 5 Access Saver - 1 Yearb at 4.14% to go NLA

It is still on Coventry's website but has disappeared from moneyfacts so I guess it will be gone by tomorrow or even at midnight. Not a leading rate but good for transfers in and out and flexible and rates will drop further so may be a good one to open speculativly.

https://www.coventrybuildingsociety.co.uk/member/product/savings/limited_access/5-access-saver-1-year.html

Ch1ll1Phlakes

pecunianonolet said:

Coventry 5 Access Saver - 1 Yearb at 4.14% to go NLA

It is still on Coventry's website but has disappeared from moneyfacts so I guess it will be gone by tomorrow or even at midnight. Not a leading rate but good for transfers in and out and flexible and rates will drop further so may be a good one to open speculativly.

https://www.coventrybuildingsociety.co.uk/member/product/savings/limited_access/5-access-saver-1-year.html

Just checking but this isn't an ISA?

If you are looking it, it is still showing on Moneyfact but on the standard easy access savings page.

clairec666

Ch1ll1Phlakes said:

pecunianonolet said:

Coventry 5 Access Saver - 1 Yearb at 4.14% to go NLA

It is still on Coventry's website but has disappeared from moneyfacts so I guess it will be gone by tomorrow or even at midnight. Not a leading rate but good for transfers in and out and flexible and rates will drop further so may be a good one to open speculativly.

https://www.coventrybuildingsociety.co.uk/member/product/savings/limited_access/5-access-saver-1-year.html

Just checking but this isn't an ISA?

If you are looking it, it is still showing on Moneyfact but on the standard easy access savings page.

Looks like the 5 access ISA was withdrawn on 23/9 (https://www.coventrybuildingsociety.co.uk/member/savings/closed-accounts.html). The non-ISA version which confusingly is the same interest rate still appears to be available. Easy to get them mixed up.