Cash ISAs: The Best Currently Available List

s71hj

refluxer said:

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.

Looking at the Tembo via Investec 1 Yr fix at 4.3% I'm reading it that you can transfer in :
"Each tax year, you can pay in up to your total ISA allowance (currently set

at £20,000 for the 2025/26 tax year). You can transfer funds into a Tembo

Cash ISA - Fixed Rate from another Cash ISA or Stocks and Shares ISA

you have with another provider."
Am I minsinterpreting this? 

refluxer

s71hj said:

refluxer said:

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.

Looking at the Tembo via Investec 1 Yr fix at 4.3% I'm reading it that you can transfer in :
"Each tax year, you can pay in up to your total ISA allowance (currently set

at £20,000 for the 2025/26 tax year). You can transfer funds into a Tembo

Cash ISA - Fixed Rate from another Cash ISA or Stocks and Shares ISA

you have with another provider."
Am I minsinterpreting this? 

Sorry, but I'm not sure what you mean. Why do you want to go to Tembo via Investec... or did you mean you were looking at Tembo vs Investec ?

I don't know anything about Tembo, but you can't transfer funds from another cash ISA into an Investec cash ISA - it's new subscriptions only.

From their Summary Box... "Please note, we don't currently accept ISA transfers in from other providers."

s71hj

refluxer said:

s71hj said:

refluxer said:

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.

Looking at the Tembo via Investec 1 Yr fix at 4.3% I'm reading it that you can transfer in :
"Each tax year, you can pay in up to your total ISA allowance (currently set

at £20,000 for the 2025/26 tax year). You can transfer funds into a Tembo

Cash ISA - Fixed Rate from another Cash ISA or Stocks and Shares ISA

you have with another provider."
Am I minsinterpreting this? 

Sorry, but I'm not sure what you mean. Why do you want to go to Tembo via Investec... or did you mean you were looking at Tembo vs Investec ?

I don't know anything about Tembo, but you can't transfer funds from another cash ISA into an Investec cash ISA - it's new subscriptions only.

From their Summary Box... "Please note, we don't currently accept ISA transfers in from other providers."

"Tembo via Investec" is how it was described in the MSE top ISAs list. When I go in from the link on that page it takes me to the Investec app and in the product key features download it says "Yes, you can transfer money from an existing Cash or Stocks and Shares ISA held with Tembo or

another provider to a Tembo Cash ISA - Fixed Rate. To request a transfer, simply request a transfer via

the Tembo app. Your transfer will then be processed within 15 working days, and once completed, your

money will show in your Tembo Cash ISA - Fixed Rate account."

harz99

@Gambler could you delete your above post please, my comment was erroneous and I've deleted my previous post to avoid giving misinformation, but obviously can't delete your quote of it. TIA. 

refluxer

s71hj said:

refluxer said:

s71hj said:

refluxer said:

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.

Looking at the Tembo via Investec 1 Yr fix at 4.3% I'm reading it that you can transfer in :
"Each tax year, you can pay in up to your total ISA allowance (currently set

at £20,000 for the 2025/26 tax year). You can transfer funds into a Tembo

Cash ISA - Fixed Rate from another Cash ISA or Stocks and Shares ISA

you have with another provider."
Am I minsinterpreting this? 

Sorry, but I'm not sure what you mean. Why do you want to go to Tembo via Investec... or did you mean you were looking at Tembo vs Investec ?

I don't know anything about Tembo, but you can't transfer funds from another cash ISA into an Investec cash ISA - it's new subscriptions only.

From their Summary Box... "Please note, we don't currently accept ISA transfers in from other providers."

"Tembo via Investec" is how it was described in the MSE top ISAs list. When I go in from the link on that page it takes me to the Investec app and in the product key features download it says "Yes, you can transfer money from an existing Cash or Stocks and Shares ISA held with Tembo or

another provider to a Tembo Cash ISA - Fixed Rate. To request a transfer, simply request a transfer via

the Tembo app. Your transfer will then be processed within 15 working days, and once completed, your

money will show in your Tembo Cash ISA - Fixed Rate account."

Ah OK, sorry. If it says that, then yes - it looks like that could be a work-around to not being able to transfer into Investec when going direct. ie. taking out a 1 year fix with Tembo will essentially give you the Investec ISA but with the ability to transfer in.

Despite being 'provided by Investec', it's important to note that it's a Tembo cash ISA you'd be applying for so it'll be Tembo who you deal with, not Investec. Tembo aren't a bank, which is why they're using Investec for this account and it's presumably the Tembo app you'd need to download, not the Investec app.

As Tembo aren't a bank, your money in their cash savings accounts is normally split across multiple banks as far as FSCS protection is concerned, but it's possible (likely ?) that it would count as being with Investec for this particular ISA. While this won't be a problem for the majority, those with large amounts of savings would probably want to check the small print so they know where their FSCS protection lies.

s71hj

refluxer said:

s71hj said:

refluxer said:

s71hj said:

refluxer said:

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.

Looking at the Tembo via Investec 1 Yr fix at 4.3% I'm reading it that you can transfer in :
"Each tax year, you can pay in up to your total ISA allowance (currently set

at £20,000 for the 2025/26 tax year). You can transfer funds into a Tembo

Cash ISA - Fixed Rate from another Cash ISA or Stocks and Shares ISA

you have with another provider."
Am I minsinterpreting this? 

Sorry, but I'm not sure what you mean. Why do you want to go to Tembo via Investec... or did you mean you were looking at Tembo vs Investec ?

I don't know anything about Tembo, but you can't transfer funds from another cash ISA into an Investec cash ISA - it's new subscriptions only.

From their Summary Box... "Please note, we don't currently accept ISA transfers in from other providers."

"Tembo via Investec" is how it was described in the MSE top ISAs list. When I go in from the link on that page it takes me to the Investec app and in the product key features download it says "Yes, you can transfer money from an existing Cash or Stocks and Shares ISA held with Tembo or

another provider to a Tembo Cash ISA - Fixed Rate. To request a transfer, simply request a transfer via

the Tembo app. Your transfer will then be processed within 15 working days, and once completed, your

money will show in your Tembo Cash ISA - Fixed Rate account."

Ah OK, sorry. If it says that, then yes - it looks like that could be a work-around to not being able to transfer into Investec when going direct. ie. taking out a 1 year fix with Tembo will essentially give you the Investec ISA but with the ability to transfer in.

Despite being 'provided by Investec', it's important to note that it's a Tembo cash ISA you'd be applying for so it'll be Tembo who you deal with, not Investec. Tembo aren't a bank, which is why they're using Investec for this account and it's presumably the Tembo app you'd need to download, not the Investec app.

As Tembo aren't a bank, your money in their cash savings accounts is normally split across multiple banks as far as FSCS protection is concerned, but it's possible it would count as being with Investec for this particular ISA. While this won't be a problem for the majority, those with large amounts of savings would probably want to check the small print so they know where their FSCS protection lies.

Useful info. Much appreciated 

s71hj

May be of interest to some on here, Topcashback are offering £25 cashback on the Santander cash ISA range. There is also a £10 Amazon offer associated with seperate terms and conditions. All seem to be non flexible ISAS and min £500.

Gambler

harz99 said:

@Gambler could you delete your above post please, my comment was erroneous and I've deleted my previous post to avoid giving misinformation, but obviously can't delete your quote of it. TIA. 

No problem, all done.

Ocelot

refluxer said:

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.

Yes, I noticed that yesterday. I have an ISA maturing on 31 Dec, and I've been waiting for enough time to transfer into the 3 year one (given their 30 day funding window). Will probably open one today or friday (giving them only a few days to complete the transfer, though).

refluxer

Ocelot said:

refluxer said:

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.

Yes, I noticed that yesterday. I have an ISA maturing on 31 Dec, and I've been waiting for enough time to transfer into the 3 year one (given their 30 day funding window). Will probably open one today or friday (giving them only a few days to complete the transfer, though).

Who is the current ISA with ? If they (like Charter) use the BACs ISA transfer service, then that at least means the transfer stands a chance of being completed in a few days. That'll depend on the efficiency of both providers though and some are quicker than others as staff are still involved in the transfer process, even when the fund transfer itself is electronic. 

With Charter, you can complete a transfer request as part of the online application process but I think subsequent transfer requests involve downloading a form, printing and posting. 

If the current provider doesn't use the BACs transfer service, then you'll obviously need to fill out a paper form regardless of when the transfer is requested, though.