Cash ISAs: The Best Currently Available List

intalex

Paragon double access ISA (issue 9 I think) dropping rate from 4.25% to 4.00% from 10 December

2010

intalex said:

Paragon double access ISA (issue 9 I think) dropping rate from 4.25% to 4.00% from 10 December

Won't be the last.
Cuts will come before the BoE meeting on the 18th December when the chances are in favour of a cut of the base rate.

frosch411

intalex said:

Paragon double access ISA (issue 9 I think) dropping rate from 4.25% to 4.00% from 10 December

Yes, double access issue 9, had the email come through today..meh 😕 

nomorekids

Patr100 said:

janusd said:

Patr100 said:

So 12K limit from April 2026, get your top ups in this  year if  you haven't already and hopefully can still move around to conserve some benefit
specially  as potential tax on savings when over the personal allowances etc ,  will be increased by 2%.

£12k change is April 2027 - so plenty of time yet.

Yeah I mistyped the date and changed it.
I will be 64 then, could sit on it for a year til I get the full 20k back.

Patr100, so if someone was 64 April 2027 and aged 65 by  Apr 2028 ie within the tax year, then surely doesn't apply to you?    Maybe if say you are not 65 until Feb 2028 you have to wait until then to put the extra 8K into your ISA but you could still do the normal 20K in the 27/28 tax year, whilst those younger than you will be limited to 12K max. 

Have I got this right ? Asking as it also applies to my DH.

fiddlesticks0

Hi, can I ask is there any signs that fixed ISA rates are on the move in either direction? I have a maturity next week and am wondering whether I need to try and lock one of the current rates in before then for a transfer. I noticed one of the best table-topping 3 year rates from Cynergy seems to have disappeared - looks like they have pulled their 2 and 3 year fixes. 

SnowMan

Kent Reliance easy access cash ISA (issue 59), no longer available, reducing from 4.38% AER to 4% AER from 11th December 2025.

(source: email received)

Patr100

nomorekids said:

Patr100 said:

janusd said:

Patr100 said:

So 12K limit from April 2026, get your top ups in this  year if  you haven't already and hopefully can still move around to conserve some benefit
specially  as potential tax on savings when over the personal allowances etc ,  will be increased by 2%.

£12k change is April 2027 - so plenty of time yet.

Yeah I mistyped the date and changed it.
I will be 64 then, could sit on it for a year til I get the full 20k back.

Patr100, so if someone was 64 April 2027 and aged 65 by  Apr 2028 ie within the tax year, then surely doesn't apply to you?    Maybe if say you are not 65 until Feb 2028 you have to wait until then to put the extra 8K into your ISA but you could still do the normal 20K in the 27/28 tax year, whilst those younger than you will be limited to 12K max. 

Have I got this right ? Asking as it also applies to my DH.

Well without telling the exact date , my birthday is very early April, before the tax year changes,  if I have got it right , I am saying I will be 64 in  early April 2027 so would have to wait a year til April 2028 to get the full 20k back. 
It's notable that 65 for many like me, won't be my retirement age to get my pension. 

refluxer

fiddlesticks0 said:

Hi, can I ask is there any signs that fixed ISA rates are on the move in either direction? I have a maturity next week and am wondering whether I need to try and lock one of the current rates in before then for a transfer. I noticed one of the best table-topping 3 year rates from Cynergy seems to have disappeared - looks like they have pulled their 2 and 3 year fixes. 

Cynergy are still listing their 2 and 3 year fixes - they are one of a growing number of banks and building societies who've adopted the annoying practise of mentioned the highest rate at the top of the page but then hiding the other, lower rates within drop-down menus further down the page. In Cynergy's case, you have to scroll to the Summary Box at the bottom of the page and expand the top option. It is possible that the fixes are still listed but that you can't actually apply for them, however they're still on the Moneyfactscompare site which is usually fairly up-to-date. 

I've actually been keeping an eye on fixed cash ISA rates over the last week or so as I had one to transfer last weekend and have another coming up soon and there has been virtually no change at the top of the best-buy tables - Cynergy, Vida, UBL, Charter (etc) are all paying the same today as they did before yesterday's budget.

The only notable change to the best rates in the last week or so was Investec who appeared at the top of the 1 year fix table with a 4.30% offering and a small reduction in the best 5 year rate.

There's no guarantee that the best rates won't change before next week though of course, so it may be worth applying in advance if you're concerned about rates dropping, especially if you have a particular provider in mind. With a small cluster of providers all paying around the same rates for the best 1-3 year fixes, it's unlikely they will all drop their rates at the same time though so if you're keeping an eye on rates and they start to fall plus you aren't fussy about which provider to go for, then you should be able to get something before they all drop.

fiddlesticks0

refluxer said:

fiddlesticks0 said:

Hi, can I ask is there any signs that fixed ISA rates are on the move in either direction? I have a maturity next week and am wondering whether I need to try and lock one of the current rates in before then for a transfer. I noticed one of the best table-topping 3 year rates from Cynergy seems to have disappeared - looks like they have pulled their 2 and 3 year fixes. 

Cynergy are still listing their 2 and 3 year fixes - they are one of a growing number of banks and building societies who've adopted the annoying practise of mentioned the highest rate at the top of the page but then hiding the other, lower rates within drop-down menus further down the page. In Cynergy's case, you have to scroll to the Summary Box at the bottom of the page and expand the top option. It is possible that the fixes are still listed but that you can't actually apply for them, however they're still on the Moneyfactscompare site which is usually fairly up-to-date. 

I've actually been keeping an eye on fixed cash ISA rates over the last week or so as I had one to transfer last weekend and have another coming up soon and there has been virtually no change at the top of the best-buy tables - Cynergy, Vida, UBL, Charter (etc) are all paying the same today as they did before yesterday's budget.

The only notable change to the best rates in the last week or so was Investec who appeared at the top of the 1 year fix table with a 4.30% offering and a small reduction in the best 5 year rate.

There's no guarantee that the best rates won't change before next week though of course, so it may be worth applying in advance if you're concerned about rates dropping, especially if you have a particular provider in mind. With a small cluster of providers all paying around the same rates for the best 1-3 year fixes, it's unlikely they will all drop their rates at the same time though so if you're keeping an eye on rates and they start to fall plus you aren't fussy about which provider to go for, then you should be able to get something before they all drop.

Thanks for the info - that's really bizarre that Cynergy have hidden longer fixes on that page where it appears they only show a 1 year option (I'd looked multiple times previously). 

2010

Vida or Cynergy 1yr fix ISA, any thoughts?

I'm drawn towards Vida because they allow withdrawals with 90 days loss of interest.
Cynergy make you close the account with 180 days loss.

Does anyone know if Vida are on the electronic transfer list?