Cash ISAs: The Best Currently Available List

MeteredOut

2010 said:

MeteredOut said:

MeteredOut said:

2010 said:

Another drop.

Charter Bank Easy Access Cash ISA Issue 61, is reducing.

From 12th December 2025 the interest rate on your account will be 4.03% down from 4.31%.

And Issue 62 
 

Previous rate	New rate
Tax Free* 4.23% / AER** 4.31%	Tax Free* 3.93% / AER** 4.00%

For anyone else on the Charter Savings ISA Issue 62 that is dropping to 4% AER, and has noticed the Issue 61 is dropping to a better rate of 4.11% AER, you can open an Issue 68, which is also 4.11% AER. I've just done that and will transfer my Issue 61 issue funds over on 12/12 (you have 30 days to fund the new ISA).

Thanks for that, good move.

When12/12 comes can you do the transfer online yourself or do you need to contact Charter to do it?

The option is there to transfer it online via "Make a transaction". I've never done that with Charter before so will double check that is a true ISA transfer.

Annoyingly, you do lose a little interest during the transfer, so i'll probably do it before 3pm on 12/12 so i get the higher interest up till the end of 11/12.

"If your request is made before 3pm on a working day, you'll receive your money the following working day and interest will be paid up to and including the day before the working day you made the request. For example, if your request is made on Wednesday at noon, you will receive your money by close of business on Thursday. Interest will be paid up until close of business on Tuesday.

If your request is made after 3pm on a working day or on a non-working day (at the weekend/bank holiday), we will process your request the following working day and you'll receive your money on the next working day after that. Interest will be paid up to and including the day before we process this request.

For example, if your request is made on Wednesday at 4pm, you will receive your money by close of business on Friday. Interest will be paid up until close of business on Wednesday. Your funds can take up to 2 working days to arrive in your Nominated Account, starting on the working day the request was made."

2010

@MeteredOut
I would have thought if you that if you can make the transaction yourself, that it would be done instantly but maybe not shown on the account until the following day. (not losing any interest)

With Skipton it`s done instantly and is shown straightaway.

MeteredOut

2010 said:

@MeteredOut
I would have thought if you that if you can make the transaction yourself, that it would be done instantly but maybe not shown on the account until the following day. (not losing any interest)

With Skipton it`s done instantly and is shown straightaway.

I'd hope so - the bit i quoted was a footnote on the page that also allows transfers to your nominated account, so it might just cover that.

2010

refluxer said:

2010 said:

Can anyone clarify this with Shawbrook.
If you already have an existing 1yr fixed ISA, that was opened, say, last April, do they allow you to add more to it now.
And can it be a transfer or does it have to be new money.

With Shawbrook fixed rate cash ISAs, you can add new subscriptions up to your full ISA allowance each tax year throughout the duration of the fixed term. This is unusual for a fixed rate ISA and there are only a few providers who allow this.

They state that transfer-in requests beyond the initial transfer window 'may be refused' and I think there were a few reports of people doing this successfully a few years ago when interest rates were rising but, now that rates are falling, they've stopped allowing this (from at least the beginning of this year).

Thanks @refluxer

Having just spoken to Shawbrook you are perfectly correct in saying it's new money only that can be added at anytime during the duration of the ISA.

Wheres_My_Cashback

BigBlueSky said:

Rheumatoid said:

This looks decent at 4.66% variable and flexible.
eToro Cash ISA – Earn Interest Tax-Free
Any downsides?

I believe if you leave them before the end of the 12 month period you don't get the bonus rate, so just get a lower rate.  This is OK if it stays competitive, but if the rate drops and you want to move elsewhere, you'll only get 3.86% AER

Just read the T&Cs and there doesn't seem to be anything in there to say you lose the bonus if transferring out before 12 months is up. Only aware of PLUM doing that.

The boosted rate starts after inbound funds are cleared (1-2 days) and is calculated daily and paid the following month on the anniversary of your first deposit.
 

BigBlueSky

Wheres_My_Cashback said:

BigBlueSky said:

Rheumatoid said:

This looks decent at 4.66% variable and flexible.
eToro Cash ISA – Earn Interest Tax-Free
Any downsides?

I believe if you leave them before the end of the 12 month period you don't get the bonus rate, so just get a lower rate.  This is OK if it stays competitive, but if the rate drops and you want to move elsewhere, you'll only get 3.86% AER

Just read the T&Cs and there doesn't seem to be anything in there to say you lose the bonus if transferring out before 12 months is up. Only aware of PLUM doing that.

The boosted rate starts after inbound funds are cleared (1-2 days) and is calculated daily and paid the following month on the anniversary of your first deposit.
 

https://www.etoro.com/investing/cash-isa/

How does the boosted interest rate offer work?

Should you be eligible for the boosted rate offer, your 12-month boosted rate calculation begins once funds are cleared (typically 1–2 working days after they have been received).

Your boosted rate interest earned will be paid into your Cash ISA balance in one lump sum upon completion of the 12 month term.

https://www.etoro.com/wp-content/uploads/2025/10/Moneyfarm_eToro_ISA_Promotion_Terms_and_Conditions_2025.pdf

Wheres_My_Cashback

BigBlueSky said:

Wheres_My_Cashback said:

BigBlueSky said:

Rheumatoid said:

This looks decent at 4.66% variable and flexible.
eToro Cash ISA – Earn Interest Tax-Free
Any downsides?

I believe if you leave them before the end of the 12 month period you don't get the bonus rate, so just get a lower rate.  This is OK if it stays competitive, but if the rate drops and you want to move elsewhere, you'll only get 3.86% AER

Just read the T&Cs and there doesn't seem to be anything in there to say you lose the bonus if transferring out before 12 months is up. Only aware of PLUM doing that.

The boosted rate starts after inbound funds are cleared (1-2 days) and is calculated daily and paid the following month on the anniversary of your first deposit.
 

https://www.etoro.com/investing/cash-isa/

How does the boosted interest rate offer work?

Should you be eligible for the boosted rate offer, your 12-month boosted rate calculation begins once funds are cleared (typically 1–2 working days after they have been received).

Your boosted rate interest earned will be paid into your Cash ISA balance in one lump sum upon completion of the 12 month term.

https://www.etoro.com/wp-content/uploads/2025/10/Moneyfarm_eToro_ISA_Promotion_Terms_and_Conditions_2025.pdf

My quote is from the Boosted rate terms terms dated 03/11/25 and it very clearly states monthly absolutely no mention of after 12 months

1. eToro Cash ISA - Boosted Rate Promotion To Qualify: ● Open an eToro Cash ISA through your eToro account. ● Within the Offer Period, deposit at least £500 or initiate a transfer of at least £15,000 to your eToro Cash ISA. Transfers must arrive no later than January 31st, 2026. ● Keep a balance of at least £500 for 12 months from the date of the First Deposit. ● Do not make more than three withdrawals in the first 12 months. How and when you’ll receive the Boosted Rate: 03/11/2025 ● You will receive a 0.80% fixed boost on top of the eToro Cash ISA’s existing AER for 12 months on all contributions made during that 12-month period. ● The boosted rate will be automatically applied once eligibility criteria are met. ● The 12 month boosted rate will start once the first funds are cleared (typically 1-2 working days after funds are received) ● If the underlying AER of the eToro Cash ISA changes during the 12-month period, your total rate will adjust accordingly. You can see the current rate at: www.etoro.com/investing/cash-isa. ●
The boosted rate is calculated daily on the balance of your eToro Cash ISA. ● The interest accrued from the boosted rate will be paid in a lump sum no later than the month following the anniversary of your First Deposit. ● If your balance falls below £500 at any time or you make more than three withdrawals during the 12-month period, the boosted rate will be forfeited. After the promotion ends: ● At the end of the 12-month period, the boosted rate will expire, and your eT

Gambler

Wheres_My_Cashback said:

BigBlueSky said:

Wheres_My_Cashback said:

BigBlueSky said:

Rheumatoid said:

This looks decent at 4.66% variable and flexible.
eToro Cash ISA – Earn Interest Tax-Free
Any downsides?

I believe if you leave them before the end of the 12 month period you don't get the bonus rate, so just get a lower rate.  This is OK if it stays competitive, but if the rate drops and you want to move elsewhere, you'll only get 3.86% AER

Just read the T&Cs and there doesn't seem to be anything in there to say you lose the bonus if transferring out before 12 months is up. Only aware of PLUM doing that.

The boosted rate starts after inbound funds are cleared (1-2 days) and is calculated daily and paid the following month on the anniversary of your first deposit.
 

https://www.etoro.com/investing/cash-isa/

How does the boosted interest rate offer work?

Should you be eligible for the boosted rate offer, your 12-month boosted rate calculation begins once funds are cleared (typically 1–2 working days after they have been received).

Your boosted rate interest earned will be paid into your Cash ISA balance in one lump sum upon completion of the 12 month term.

https://www.etoro.com/wp-content/uploads/2025/10/Moneyfarm_eToro_ISA_Promotion_Terms_and_Conditions_2025.pdf

My quote is from the Boosted rate terms terms dated 03/11/25 and it very clearly states monthly absolutely no mention of after 12 months

How and when you’ll receive the Boosted Rate: 03/11/2025
● You will receive a 0.80% fixed boost on top of the eToro Cash ISA’s existing AER for 12 months on all contributions made during that 12-month period.
● The boosted rate will be automatically applied once eligibility criteria are met.
● The 12 month boosted rate will start once the first funds are cleared (typically 1-2 working days after funds are received)
● If the underlying AER of the eToro Cash ISA changes during the 12-month period, your total rate will adjust accordingly. You can see the current rate at: www.etoro.com/investing/cash-isa.
● The boosted rate is calculated daily on the balance of your eToro Cash ISA.
● The interest accrued from the boosted rate will be paid in a lump sum no later than the month following the anniversary of your First Deposit.
● If your balance falls below £500 at any time or you make more than three withdrawals during the 12-month period, the boosted rate will be forfeited

nomorekids

Advice please, 
the best rate fix available to open now that will allow me to put in a transfer request in 21 days time ? (Need 3 weeks, to replace the ISA funds on a crap rate flexi ISA from bond maturing on 19th December)
Shawbrook insist on receiving request within two weeks and rates are on the downward, hence me thinking of opening one this week end and delaying sending the transfer request, completely used up this years so can not fund the new ISA other than with the transfer either, 

Anyone know of what institutions/banks I can look at? 

clairec666

nomorekids said:

Advice please, 
the best rate fix available to open now that will allow me to put in a transfer request in 21 days time ? (Need 3 weeks, to replace the ISA funds on a crap rate flexi ISA from bond maturing on 19th December)
Shawbrook insist on receiving request within two weeks and rates are on the downward, hence me thinking of opening one this week end and delaying sending the transfer request, completely used up this years so can not fund the new ISA other than with the transfer either, 

Anyone know of what institutions/banks I can look at? 

Natwest's 4.2% 1 year fix could work? Can be opened now, deadline for external transfer requests is 17th December.