Cash ISAs: The Best Currently Available List

Wheres_My_Cashback

Rheumatoid said:

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.

Obviously what's in the FAQs is different, however what's important is the legal basis of what's in the terms in the same link which we've all provided. Doing anything different to that would open them up to multiple complaints and almost certainly, retribution in the form of compensation.
Too many financial institutions make these kind of silly mistakes nowadays

refluxer

Wheres_My_Cashback said:This loo

Obviously what's in the FAQs is different, however what's important is the legal basis of what's in the terms in the same link which we've all provided. Doing anything different to that would open them up to multiple complaints and almost certainly, retribution in the form of compensation.
Too many financial institutions make these kind of silly mistakes nowadays

You're right in that you won't automatically lose the bonus interest if you transfer away during the 12 months, but you couldn't do a full transfer if you wanted to receive the bonus - you'd need to leave the ISA open with a minimum balance of £500 for 12 months (and withdraw/transfer from it no more than 3 times in total) in order to receive it (as a lump sum) during month 13.

From the small print on the eToro ISA product page... "Boosted rate calculated daily and paid after 12 months. To maintain the bonus interest rate, keep a minimum balance of £500 and limit withdrawals to three per year."

Ocelot

jak22 said:

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.

Yes, that's what I was thinking. If it's still available, will open one at the end of next week.

Ocelot

Rheumatoid said:

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.

Their website still has the 3 year option at 4.13%

2010

Ocelot said:

Rheumatoid said:

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.

Their website still has the 3 year option at 4.13%

I think it's only available for existing customers.