Cash ISAs: The Best Currently Available List

ToastLady

2010 said:

I have been looking at Vida 1yr fix ISA but don`t know much about them apart from £85k covered by FSCS.
Any opinions from anyone who are saving with them appreciated.

I've found Vida to be good, although I don't have an ISA with them. Had considered them when last opening an ISA but found a better offer at the time.

winkowinko

2010 said:

I have been looking at Vida 1yr fix ISA but don`t know much about them apart from £85k covered by FSCS.
Any opinions from anyone who are saving with them appreciated.

They've been fine for me. Money in/out as expected, and got through on the phone to them pretty quickly when I had a query.

fuzzzzy

2010 said:

I have been looking at Vida 1yr fix ISA but don`t know much about them apart from £85k covered by FSCS.
Any opinions from anyone who are saving with them appreciated.

I've got an easy access, a defined access and a fixed rate ISA with them. You can move money around internally between the different ISAs. Quick to get through to them on the phone and very helpful. I've done a transfer into them and a partial transfer out of them with no problems or delays. They keep you informed on ISA transfers by text and e-mail.

jungleboy123

anyone know how to get headline rates again? I.e the banks that offer the variable + bonus rate? I've been unlucky switching to different banks and as soon as i go in they increase the bonus rate!!!

Gambler

pecunianonolet said:

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...

Worked for me thank you.

Increased to 4.39% today from 4.07%.

flaneurs_lobster

Gambler said:

pecunianonolet said:

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...

Worked for me thank you.

Increased to 4.39% today from 4.07%.

Yes but for how long? These yoyo-ing rates that the Fintechs like to throw out are starting to annoy me.

I'll shunt a few thou around for an extra % with the best of them, but the additional admin (and risk) of moving large ISA balances for a 0.n% betterment has lost its appeal, particularly when that rate might only last a week (or less).

And, of course, that rate is only for "new" savers or it doesn't apply to transfers in or some other "special conditions".

RexItaliae

flaneurs_lobster said:

Gambler said:

pecunianonolet said:

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...

Worked for me thank you.

Increased to 4.39% today from 4.07%.

Yes but for how long? These yoyo-ing rates that the Fintechs like to throw out are starting to annoy me.

I'll shunt a few thou around for an extra % with the best of them, but the additional admin (and risk) of moving large ISA balances for a 0.n% betterment has lost its appeal, particularly when that rate might only last a week (or less).

And, of course, that rate is only for "new" savers or it doesn't apply to transfers in or some other "special conditions".

It looks like that they don't subject current customers to this level of yoyo-ing. I opened an account with them when it was 4.37% interest a couple of weeks ago, and the day after the online advertised rate was down to 4.07%, but my rate has remained steady at 4.37% throughout. It's still that now, even though new customers get 4.39%...

Gambler

RexItaliae said:

flaneurs_lobster said:

Gambler said:

pecunianonolet said:

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...

Worked for me thank you.

Increased to 4.39% today from 4.07%.

Yes but for how long? These yoyo-ing rates that the Fintechs like to throw out are starting to annoy me.

I'll shunt a few thou around for an extra % with the best of them, but the additional admin (and risk) of moving large ISA balances for a 0.n% betterment has lost its appeal, particularly when that rate might only last a week (or less).

And, of course, that rate is only for "new" savers or it doesn't apply to transfers in or some other "special conditions".

It looks like that they don't subject current customers to this level of yoyo-ing. I opened an account with them when it was 4.37% interest a couple of weeks ago, and the day after the online advertised rate was down to 4.07%, but my rate has remained steady at 4.37% throughout. It's still that now, even though new customers get 4.39%...

I think you got the better deal as the current one includes a big bonus.

I did try but wouldn't let me as an existing customer. Would have preferred no bonus which would save having to move when it ends.

etienneg

• Principality BS Online Bonus 5 Access Cash ISA (issue 5) - 4.40% **New**
  ***This rate will be decreasing to 4.20% w.e.f. 18/09/2025.
  
  
• Moneybox Cash ISA - 4.20% **New Rate**
  ***This rate will be decreasing to 3.95% w.e.f. 22/08/2025.
  
  
  These w.e.f. dates are now well past. Somewhat detracts from the use of "New"!

Gambler

etienneg said:

• Principality BS Online Bonus 5 Access Cash ISA (issue 5) - 4.40% **New**
  ***This rate will be decreasing to 4.20% w.e.f. 18/09/2025.
  
  
• Moneybox Cash ISA - 4.20% **New Rate**
  ***This rate will be decreasing to 3.95% w.e.f. 22/08/2025.
  
  
  These w.e.f. dates are now well past. Somewhat detracts from the use of "New"!

Just use Moneyfacts. You can't expect somebody to keep on top of the opening post.