Cash ISAs: The Best Currently Available List

flaneurs_lobster

The NatWest Fixed (1 or 2 year) gets close, needs your external transfer request by 17 December.

Guess you could open and then if you don't manage to fund it ...... 

2010

Charter 1yr fix ISA 4.24%, 30 days to fund.
They are quick to transfer if your current one is on the electronic transfer list.

Ocelot

2010 said:

Charter 1yr fix ISA 4.24%, 30 days to fund.
They are quick to transfer if your current one is on the electronic transfer list.

Do you know if their 3 year ISAs also have 30 days to fund? Can't find the info. I have an ISA maturing on 31 Dec.

SickGroove

Thinking of transferring maturing cash ISA to Charter, but unsure whether to go for the 1, 2 or 3 year fix... Won't need the money during any of their terms, it's just gambling on rates dropping further I guess

Ocelot

Ocelot said:

2010 said:

Charter 1yr fix ISA 4.24%, 30 days to fund.
They are quick to transfer if your current one is on the electronic transfer list.

Do you know if their 3 year ISAs also have 30 days to fund? Can't find the info. I have an ISA maturing on 31 Dec.

Seems you can, although, presumably the funds must be received within 30 days:

Things you need to know about our Fixed Rate Cash ISAs are:

• you’ll earn a fixed rate of interest for a fixed period of time
• you can deposit anything from £5,000 up to £20,000 in the 2025/2026 tax year provided you have not subscribed to another Cash ISA in the same tax year
• you can transfer your existing ISAs from any other provider
• once you have applied for the account we must receive your deposit/transfer within 30 days
• we calculate interest daily and can pay it to you either monthly or annually

• you cannot make regular deposits into a Fixed Rate Cash ISA. Once you have applied for the account we must receive your deposit/transfer within 30 days
• you can make withdrawals or transfer your ISA to another provider. However you will lose interest on each amount you withdraw/transfer. The number of days interest that you will lose will depend on the product you choose and is detailed in the Key Features & Summary Box document
• our Cash ISAs are not flexible ISAs - you cannot take money out of your Cash ISA and replace it in the same tax year, without it counting towards your annual ISA allowance
• all payments to and from your Charter Savings Bank account must be from the same UK bank or building society Nominated Account you provide when applying for the Account (except when you are transferring an ISA to or from another ISA provider)

jak22

Ocelot said:

2010 said:

Charter 1yr fix ISA 4.24%, 30 days to fund.
They are quick to transfer if your current one is on the electronic transfer list.

Do you know if their 3 year ISAs also have 30 days to fund? Can't find the info. I have an ISA maturing on 31 Dec.

It's 30 days to fund to keep it open, but you should allow for any delay in the other bank making the transfer at maturity - so perhaps open the new ISA at, say, max 25 days before maturity. At opening you give details of the current ISA - or ISAs - you wish to transfer from, with the default option to wait until maturity. The new account appears with zero balance - in case not all of this year's allowance has been used - and they'll confirm they've made a transfer request to the other party. The other bank may then let you know they've received the request and are holding it until maturity.

Rheumatoid

Ocelot said:

2010 said:

Charter 1yr fix ISA 4.24%, 30 days to fund.
They are quick to transfer if your current one is on the electronic transfer list.

Do you know if their 3 year ISAs also have 30 days to fund? Can't find the info. I have an ISA maturing on 31 Dec.

Looks like its gone. Just tried to apply. Had to apply for 2yr instead.

2010

Shawbrook have got 1/2/3 and 5yr fixed ISA at 4.01%.

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.
 

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

You really should delete this post as your highlighted line has been made up by you. It does not feature anywhere in the terms/link you posted.

Rheumatoid

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.
 

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

You really should delete this post as your highlighted line has been made up by you. It does not feature anywhere in the terms/link you posted.

It is in the FAQ for the ISA:

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.

To maintain the boosted rate, keep at least £500 in your account and limit withdrawals to three over the 12 month term. Please read the promo terms and conditions here.