Cash ISAs: The Best Currently Available List

TheBanker

Patr100 said:

Email from my trading212 (my bonus has long since expired)

Trading 212 Cash ISA: From 3.85% to 3.6% AER (variable)

As of 25.12.2025: 

Been 12 working days but it's still not transferred over to my new Principality ISA

I am just about to initiate the same transfer. Given that Principality need a paper form, I'm already a week behind due to not having a working printer at home any more!

And with the post, and Christmas, I'm not expecting this to complete until mid-late January!

Johnny-Cage

winkowinko said:

My recently opened Chip easy access ISA has fallen from 4.42% to 3.86% today. Ouch!

Think I'll let the dust settle and look to move in the new year.

Only reason I am still with Chip is the 0.93% bonus until May then will see where everything is 

adw1977

Teachers BS 
On 3 January 2026, the interest rate on the Single Access Cash ISA for Everyone account will reduce from 4.30% to 3.95%

pecunianonolet

Is the Aldermore Cash ISA at 4.15% the currently best deal available, excluding fixes, and have they announced any rate cuts yet? Can't find anything on their website. 

At Cynergy with 4.05%, but 4.15% would make me around £6.50 more a month. Not significant but why not. 

https://www.aldermore.co.uk/savings-accounts/personal-savings-accounts/cash-isas/reward-cash-isas/reward-isa-single-access-account/#documents

refluxer

pecunianonolet said:

Is the Aldermore Cash ISA at 4.15% the currently best deal available, excluding fixes, and have they announced any rate cuts yet? Can't find anything on their website. 

At Cynergy with 4.05%, but 4.15% would make me around £6.50 more a month. Not significant but why not. 

https://www.aldermore.co.uk/savings-accounts/personal-savings-accounts/cash-isas/reward-cash-isas/reward-isa-single-access-account/#documents

Aldermore's 4.15% Single Access ISA rate pre-dates the recent BoE base rate drop, so I would imagine a drop is due soon.

Ignoring Trading 212 (and Atom who don't accept transfers in), you could get 0.01% more with Kent Reliance. Their rates change on an almost-daily basis though, so I'm not sure whether that rate is due a drop or not.

pecunianonolet

refluxer said:

pecunianonolet said:

Is the Aldermore Cash ISA at 4.15% the currently best deal available, excluding fixes, and have they announced any rate cuts yet? Can't find anything on their website. 

At Cynergy with 4.05%, but 4.15% would make me around £6.50 more a month. Not significant but why not. 

https://www.aldermore.co.uk/savings-accounts/personal-savings-accounts/cash-isas/reward-cash-isas/reward-isa-single-access-account/#documents

Aldermore's 4.15% Single Access ISA rate pre-dates the recent BoE base rate drop, so I would imagine a drop is due soon.

Ignoring Trading 212 (and Atom who don't accept transfers in), you could get 0.01% more with Kent Reliance. Their rates change on an almost-daily basis though, so I'm not sure whether that rate is due a drop or not.

Has KR announced any rate cuts yet and are they part of the electronic transfer process? Recall that some have had bad experience with them recently?

refluxer

pecunianonolet said:

Has KR announced any rate cuts yet and are they part of the electronic transfer process? Recall that some have had bad experience with them recently?

Kent Reliance are on Cynergy's list, so transfers between the two should be electronic.

I don't have any experiences with Kent Reliance but I'm actually currently in the process of transferring out to another provider from Cynergy and Cynergy are taking a while to release the funds.

gt94sss2

Does anyone have any experience with Hargreaves Lansdowne savings platform for fixed term cash ISAs?

Specifically,

a) how long do you have to fund accounts once opened

b) you don't appear to be able to transfer in from other cash ISAs to them but I presume you can transfer cash to their S&S  and then move it to a cash one..?