Cash ISAs: The Best Currently Available List

where_are_we

moneyfarm cash ISA - flexible but only 3 withdrawals a year. Also your money is invested in money market funds.

badger09

benny5 said:

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

Really appreciate your input.

Just received the notification on maturity which is the 24th October so I've got less than ten days to act. 

Thanks.

If maturity is 24th, you should be fine to start the xfer process now. Most FRISA providers specify a timeframe, typically, 14 or 30 days in which you must either make your deposit or send them your xfer request. 

However, I’m aware that one if the newer providers insists your xfer funds must be available immediately. I don’t remember which that is so you should check before you apply. 

MichaelAP

where_are_we said:

moneyfarm cash ISA - flexible but only 3 withdrawals a year. Also your money is invested in money market funds.

I am looking to transfer from CHIP 3.8% to another provider. Considering Moneyfarm now offer 4.4% would this be a good transfer. Also I think I read they pay interest daily, is this correct?

refluxer

MichaelAP said:

where_are_we said:

moneyfarm cash ISA - flexible but only 3 withdrawals a year. Also your money is invested in money market funds.

I am looking to transfer from CHIP 3.8% to another provider. Considering Moneyfarm now offer 4.4% would this be a good transfer. Also I think I read they pay interest daily, is this correct?

Looks like you've got to hold the account for a year to get the boosted interest element. With that and the QMMF vagueness, I'm not sure if it's worth the small difference in interest rate over competing accounts (eg. Tipton or Principality), personally.

"The interest accrued from the boosted rate will be disbursed in a lump sum no later than the month following the anniversary of your first deposit."

Ocelot

benny5 said:

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

Really appreciate your input.

Just received the notification on maturity which is the 24th October so I've got less than ten days to act. 

Thanks.

My 3 year Virgin ISA expires on the 24th too. I eventually decided to go with another 3 year with Aldermore (4.06%), as Virgin only offer a 1 year deal.

benny5

badger09 said:

benny5 said:

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

badger09 said:

benny5 said:

Anyone know if Virgin Money will allow a partial transfer/partial retention of funds on a maturing fixed cash ISA as I can’t see anything on the maturity documents?

Their current rates provide for only one option on fixes (1 year 4.16%) and nothing beyond that and I’m keen to fix some of the funds for up to 3 years.

Thanks.

On maturity VM FRISAs usually become whatever instant access ISA they have on offer at the time. If you want to split your maturity proceeds I suggest you open your chosen FRISA elsewhere, shortly before maturity date to secure the rate. Ensure you select ‘wait for maturity’ on the new providers form & enter the amount you want to xfer. 

Once that xfer is complete, repeat the process if you want more than 1 FRISA. Then finally xfer any Instant access ISA. 

Don’t try to do more than 1 xfer at a time. It might cause problems. 

Really appreciate your input.

Just received the notification on maturity which is the 24th October so I've got less than ten days to act. 

Thanks.

If maturity is 24th, you should be fine to start the xfer process now. Most FRISA providers specify a timeframe, typically, 14 or 30 days in which you must either make your deposit or send them your xfer request. 

However, I’m aware that one if the newer providers insists your xfer funds must be available immediately. I don’t remember which that is so you should check before you apply. 

Thanks for that.

As I plan on going with Skipton, they have a branch near me and their 3 year fix is currently 4%, that's more appealing. 

CHEEZIT

Looking to move a T212 cash ISA to somewhere better rate wise. Is anyone recommending anywhere for a variable cash ISA that accepts transfers in at a decent rate? The list on the first page are all out of date!

KingL2

Cynergy Online (Easy Access) ISA Issue 56 @ 4.35% is gone, now Issue 57 @ 3.90%

pecunianonolet

Chip ISA currently at 4.31%, you have to be quick as they change their rates nearly every few days and it was 4.32% when I opened it, went down to 4.07%, up to 4.20%, back own and now at 4.31% again. Who know for how long...

As an FYI, I was a returning Chip customer, transferred out in May and closed it all down, just used my gmail email addres and added the prefix +chip e.g. myemail+chip@gmail.com (Google will deliver to the same inbox as myemail@gmail.com but to Chip is looks like a new email...

CHEEZIT

Just found this at Bank of Ireland UK.
Easy access cash ISA has a rate of 4.16%. This includes a bonus of 3.16% for 12 months then drops to 1% (switch time). Does anyone have any experience with Bank of Ireland UK?