Cash ISAs: The Best Currently Available List

2010

Charter have also increased their EA ISA to issue 69 at 4.16%.
Also, anyone who has within the last 14 days, taken out their previous 1yr fixed ISA at 4.24%, can open the new one at 4.3% and transfer the old one in (online) with no penalty.

Whether it`s worth bothering for 0.06% is debatable.

p1ston

2010 said:

Charter have also increased their EA ISA to issue 69 at 4.16%.

Is that the 4.08 gross?

Ocelot

refluxer said:

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.

Yorkshire Building Society, so it should use BACs.

2010

p1ston said:

2010 said:

Charter have also increased their EA ISA to issue 69 at 4.16%.

Is that the 4.08 gross?

4.08 monthly, 4.16 annually.

allegro120

pecunianonolet 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.

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

Shouldn't be an issue.  Paper form deals with everything

I've requested a £500 test transfer from Cynergy to Tembo 4.3% fixed.  We'll see how it goes, I might add more if this transfer goes smooth.  It's likely that the 4.3% rate will remain its current standing over the next 12 months.

allegro120

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."

I had to jump through hoops to open this account.  I used to have Tembo ISA so still had the app on my phone.  Tried to login, no joy.  After a long string of e-mails they reactivated my acces to the app by reactivating my old redundant ISA account. The next step (opening 4.3% fixed) didn't go smooth either. Tembo requires ID check for every new account you open even if you are an existing customer.  Passport, selfie, video and saying 3 numbers failed so I had to contact Tembo again.  They sent me the link to do my ID on desktop, I've done it, e-mailed Tembo rep to confirm and got the reply that my ID check passed and I can now apply for 4.3% fixed.  The application brought me back to the same "passport, selfie, video and saying 3 numbers" thing, but this time it worked.

p1ston

I see lots of people coming off fixed/matured deals. Are we talking high 4s or even 5% ?

Rheumatoid

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.

Typical now I have opened one. I'll ask them to upgrade me as I am within 14 days of application and see what they say.

2010

Rheumatoid 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.

Typical now I have opened one. I'll ask them to upgrade me as I am within 14 days of application and see what they say.

They won't.
You need to open a new one and then transfer the old one into it.

CuparLad

Does anyone have any experience of transferring out of a Shawbrook Fixed Rate Cash ISA at maturity by giving advance notice? I have a 1 Yr Fix with Shawbrook that matures on 1st Jan. I'd like to grab the 2 Yr offering at Charter Savings Bank, which has a generous 30 days to fund, before it gets pulled.

I can partially fund the Charter Fix from an EA Cash ISA held elsewhere, so securing the rate isn't the concern, rather that if I apply for the CSB Fix now (12/12), I've only got until 11/1 to top it up. If Shawbrook drag their heels over the New Year period to process the transfer, I run the risk of missing the 30-day deadline.

Just wondering if anyone had had an experience with Shawbrook and their transfers at maturity? I had a Skipton fix mature in the summer and gave advance notice to transfer. They transferred the funds on the maturity date, so it's possible.