Cash ISAs: The Best Currently Available List

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.

pecunianonolet

Yes, sorry mixed them up, been a long day...

Ch1ll1Phlakes

pecunianonolet said:

Yes, sorry mixed them up, been a long day...

No problem. Just wanted to check.

soulsaver

slinger2 said:

soulsaver said:

I believe I read somewhere, that a recent rule change means I can withdraw (not transfer) this financial year's contribution from a flexible ISA and subsequently deposit it to other providers ISAs? And not have to repatriate it at all?

Anyone got a link to an official source?

If so, does the receiving ISA also have to be flexible?

The regulations were changed recently: https://www.legislation.gov.uk/uksi/1998/1870/regulation/5DDB

Compare the 15/7/25 version with the 6/4/24 version and you'll see that paragraph 3 is different. Or see: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made

All written is legal language.

The "receiving ISA" doesn't have to be flexible. The ISA you make the withdrawal from needs to be flexible. And of course the replacement needs to be made in the same tax year as the withdrawal.

Found where I saw it: Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025 — MoneySavingExpert Forum

FishInGlass

soulsaver said:

slinger2 said:

soulsaver said:

I believe I read somewhere, that a recent rule change means I can withdraw (not transfer) this financial year's contribution from a flexible ISA and subsequently deposit it to other providers ISAs? And not have to repatriate it at all?

Anyone got a link to an official source?

If so, does the receiving ISA also have to be flexible?

The regulations were changed recently: https://www.legislation.gov.uk/uksi/1998/1870/regulation/5DDB

Compare the 15/7/25 version with the 6/4/24 version and you'll see that paragraph 3 is different. Or see: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made

All written is legal language.

The "receiving ISA" doesn't have to be flexible. The ISA you make the withdrawal from needs to be flexible. And of course the replacement needs to be made in the same tax year as the withdrawal.

Found where I saw it: Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025 — MoneySavingExpert Forum

I hadn't seen this or the other thread. Having now looked at the legislation it appears that this particular change does not come into effect until the 6th April 2027.

https://www.legislation.gov.uk/uksi/2025/733/regulation/1/made states Regulation 4 comes into force on 6th April 2027 and has effect in relation to the tax year 2027-28 and subsequent tax years. 

slinger2

FishInGlass said:

soulsaver said:

slinger2 said:

soulsaver said:

I believe I read somewhere, that a recent rule change means I can withdraw (not transfer) this financial year's contribution from a flexible ISA and subsequently deposit it to other providers ISAs? And not have to repatriate it at all?

Anyone got a link to an official source?

If so, does the receiving ISA also have to be flexible?

The regulations were changed recently: https://www.legislation.gov.uk/uksi/1998/1870/regulation/5DDB

Compare the 15/7/25 version with the 6/4/24 version and you'll see that paragraph 3 is different. Or see: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made

All written is legal language.

The "receiving ISA" doesn't have to be flexible. The ISA you make the withdrawal from needs to be flexible. And of course the replacement needs to be made in the same tax year as the withdrawal.

Found where I saw it: Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025 — MoneySavingExpert Forum

I hadn't seen this or the other thread. Having now looked at the legislation it appears that this particular change does not come into effect until the 6th April 2027.

https://www.legislation.gov.uk/uksi/2025/733/regulation/1/made states Regulation 4 comes into force on 6th April 2027 and has effect in relation to the tax year 2027-28 and subsequent tax years. 

Incorrect:

See: https://www.legislation.gov.uk/uksi/2025/733/note/made which states "Regulation 4 amends regulation 4ZA" and is nothing to do with flexible ISAs. "Regulation 5 amends regulation 5DDB" (the flexible ISA regulation).