Cash ISAs: The Best Currently Available List

allegro120

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

pecunianonolet

allegro120 said:

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

So I take it it would not be an issue to transfer in from Cynergy?

allegro120

pecunianonolet said:

Cynergy dropping the rate from 4.35% to 4.05% on 18th December on an NLA account. 

Rather sad to see them lowering the rate before any reduction is even announced. Going to be difficult keeping a flexible ISA rate above 4%. 

EDIT: The so far available 4.2% offer is now also NLA, replaced by issue 60 at 4.00%. 

Would be interesting to know if those who opened the 4.2% version (guess issue 59), also received a rate drop email and by what rate.

I hope it will be easy to transfer out of Cynergy.  I'll do a test run next week.
The last 3 transfers in didn't go well.  I requested full transfers (from different providers), received the accrued interest only for each transfer. Not helpful when you simply want to empty and close your old ISA account.

Hooli

fistfulofsteel said:

Does anyone know what eToro are like to deal with? The main priority for me is **non phone based** customer service (e.g. in app chat or email).

I would advise you take a look at my entries here, https://forums.moneysavingexpert.com/discussion/comment/81759339#Comment_81759339?utm_source=community-search&utm_medium=organic-search&utm_term=etoro+withdrawal.  I am still battling with their bot and emails.  I cannot 'talk' to anyone and I just get stuck in the same loop.  I would advise you to stear clear.  They have had my money for over 2 weeks now.

BreakingGlass

allegro120 said:

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

Teachers BS

I have just completed the online ISA application and want to transfer my Cash ISA from Paragon (rate dropping tomorrow).   Do I have to wait for Teachers BS to now contact me, or should I just download the External Cash ISA Transfer form from their site and email to them?

pecunianonolet

BreakingGlass said:

allegro120 said:

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

Teachers BS

I have just completed the online ISA application and want to transfer my Cash ISA from Paragon (rate dropping tomorrow).   Do I have to wait for Teachers BS to now contact me, or should I just download the External Cash ISA Transfer form from their site and email to them?

On the back of your question, did you get online access straight away (assuming new customer) and do they provide a funding window e.g. you can open but only provide transfer instructions at a later date (Cynergy dropping on 18th Dec)? 

Was thinking of opening to secure the rate and account but waiting to provide any transfer instructions until after BOE meeting and subsequent announcements. 

Also, I couldn't find any notice period for rate reductions so the risk is that BOE reduction is on 18th and Teachers is reducing instantly or shortly after by e.g. 0.25%. This would be a new rate of 4.05% and after Cynergy drop it would also be 4.05% so would be just faff of moving for no gain.

However, opening Teachers and waiting out may be a solution to keep options open.  

BreakingGlass

pecunianonolet said:

BreakingGlass said:

allegro120 said:

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

Teachers BS

I have just completed the online ISA application and want to transfer my Cash ISA from Paragon (rate dropping tomorrow).   Do I have to wait for Teachers BS to now contact me, or should I just download the External Cash ISA Transfer form from their site and email to them?

On the back of your question, did you get online access straight away (assuming new customer) and do they provide a funding window e.g. you can open but only provide transfer instructions at a later date (Cynergy dropping on 18th Dec)? 

Was thinking of opening to secure the rate and account but waiting to provide any transfer instructions until after BOE meeting and subsequent announcements. 

Also, I couldn't find any notice period for rate reductions so the risk is that BOE reduction is on 18th and Teachers is reducing instantly or shortly after by e.g. 0.25%. This would be a new rate of 4.05% and after Cynergy drop it would also be 4.05% so would be just faff of moving for no gain.

However, opening Teachers and waiting out may be a solution to keep options open.  

So far all I have had is the following screenshot at the end of the online application.  It's the second bullet's wording 'we will ask you to complete a transfer authority form' that confuses me.  Do I have to wait to be asked or should I crack on and download/complete/email the form?  Their transfer form doesn't require a Teachers ISA account number (just NI number etc) and has a box to say that 'I have already completed an online application'.

EDIT:  I've not even had an 'application acknowledgement' email (and I have checked spam) hence my hesitation.

BreakingGlass

Teachers BS

Further to the above, I just gave Teachers BS a ring (0800 783 2367) and got through very quickly (seconds rather than minutes).  Apparently there is no immediate application acknowledgement email, and they won't start processing my application until tomorrow.  Once processed, I will get an email letting me know the next steps, but I can pre-empt that and email though the ISA Transfer Authority today.

pecunianonolet

BreakingGlass said:

pecunianonolet said:

BreakingGlass said:

allegro120 said:

pecunianonolet said:

Teacher BS Single Access ISA at 4.30% (4.35% for teachers)



Anyone experience with them? Are they participating in electronic transfers?

No electronic transfers.  You have to scan and e-mail the form.  Transfers in are quick.  I've made two, one took 4 days and the other one 3 days.

Teachers BS

I have just completed the online ISA application and want to transfer my Cash ISA from Paragon (rate dropping tomorrow).   Do I have to wait for Teachers BS to now contact me, or should I just download the External Cash ISA Transfer form from their site and email to them?

On the back of your question, did you get online access straight away (assuming new customer) and do they provide a funding window e.g. you can open but only provide transfer instructions at a later date (Cynergy dropping on 18th Dec)? 

Was thinking of opening to secure the rate and account but waiting to provide any transfer instructions until after BOE meeting and subsequent announcements. 

Also, I couldn't find any notice period for rate reductions so the risk is that BOE reduction is on 18th and Teachers is reducing instantly or shortly after by e.g. 0.25%. This would be a new rate of 4.05% and after Cynergy drop it would also be 4.05% so would be just faff of moving for no gain.

However, opening Teachers and waiting out may be a solution to keep options open.  

So far all I have had is the following screenshot at the end of the online application.  It's the second bullet's wording 'we will ask you to complete a transfer authority form' that confuses me.  Do I have to wait to be asked or should I crack on and download/complete/email the form?  Their transfer form doesn't require a Teachers ISA account number (just NI number etc) and has a box to say that 'I have already completed an online application'.

EDIT:  I've not even had an 'application acknowledgement' email (and I have checked spam) hence my hesitation.

I read it that way that you have the following options:

1. Make a payment in (from your current year allowance, so you subscribe with this years allowance, obviously only possible if you have any left).

2. You complete a transfer in form as you need to satisfy the minimum balance of £100 so I think you can just crack on filling out the form to formally instruct them to move your funds in. 

It may take some time for an email to arrive. It sounds to me overall, that they are a BS that is still working more traditionally compared to others with more digital capabilities and frankly power to invest in digital infrastructure. 

refluxer

Charter have increased the rates of their 1 and 2 year fixed rate cash ISAs to 4.30% and 4.20% respectively, which makes them the best 1 and 2 year rates currently available.

The 3 year fixed rate has had a smaller bump to 4.14%, which is not far off the best rate available for that time period.

Investec's 1 year fix is also 4.30%, but they don't allow transfers-in which rules them out for anyone looking to do that.