Cash ISAs: The Best Currently Available List

Ocelot

Charter 3 yr fix down from 4.14 to 3.96%.

pecunianonolet

CMC Invest

refluxer

Looks like Tandem have just started to offer cash ISAs : https://www.tandem.co.uk/save/fixed-rate-cash-isa

The Easy Access and 1 year fixed rate are a little under the best rate currently available but the 2, 3 and 5 year fixes are either the highest available or very close. Transfers-in are allowed and Tandem state they'll be electronic.

Easy Access : 4.00%
1 year : 4.10%
2 years : 4.15%
3 years : 4.15%
5 years : 4.15%

Patr100

TheBanker said:

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!

Well if I allow for the couple of days before they had my paper transfer form, the 15 days will take it to around xmas eve so until  I get the request from Trading212 to actually release (the next step) ,  I don't expect any movement for quite a few days until the banks start moving again. Getting a human to follow up is going be even harder til the new year. 
It's really tedious how some can enable online transfers while other insist on paper forms to start it.

soulsaver

refluxer said:

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.

They may be electronic, but they told me today that they use bacs. 

masonic

soulsaver said:

refluxer said:

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.

They may be electronic, but they told me today that they use bacs. 

BACS has become part of Pay UK, and the BACS ISA Transfer Service rebranded to the Cash ISA Transfer Service, see https://www.bacs.co.uk/resources/switching-services/ and https://www.wearepay.uk/what-we-do/switching-services/the-cash-isa-transfer-service/

The service uses faster payments/CHAPS for the cash transfer part of the process, with 3 day BACS payment as the fallback. This is linked to a messaging system that allows the two providers to exchange information about the ISA being transferred.

One of the requirements to be a member of the service is:

So I suspect they are confusing the old name for the service with the transfer type, as they would not get away with using BACS payments routinely.

p1ston

Born2Save_3 said:

allegro120 said:

refluxer said:

gesdt50 said:

Good day, for Investec/Tembo who is providing backup, gate fencing for the FSA £85,000? Is the Tembo/Investec a flexible account they try to force one to download the app to get extra details, the summary if you can call it that has only a few headlines a lot less than typically given by banks, platforms etc..?

As Tembo aren't a bank and their fixed rate ISA is 'provided by Investec', then presumably the FSCS protection (which is now £120k, incidentally) must lie with Investec ? It'll be worth confirming this with Tembo if large amounts are involved.

It's only really worth going with Tembo if you want to transfer-in or already have a Tembo account, otherwise you'd be better off dealing with Investec directly and cutting out the middleman.

Yes, the FSCS protection lies with Investec.  

This is a good site to check FSCS protection and if the organisations you're invested with or considering investing with, share protection :

https://www.fscs.org.uk/check/check-your-money-is-protected/

There was a different website i found through MSE but can't find again. It was way easier to navigate which told you what institutions shared the protection.

Patr100

Can't remember which ones  but I did come across more than one bank site in the last few weeks that hasn't updated their FSCS protection  statement to £120k .

Born2Save_3

p1ston said:

Born2Save_3 said:

allegro120 said:

refluxer said:

gesdt50 said:

Good day, for Investec/Tembo who is providing backup, gate fencing for the FSA £85,000? Is the Tembo/Investec a flexible account they try to force one to download the app to get extra details, the summary if you can call it that has only a few headlines a lot less than typically given by banks, platforms etc..?

As Tembo aren't a bank and their fixed rate ISA is 'provided by Investec', then presumably the FSCS protection (which is now £120k, incidentally) must lie with Investec ? It'll be worth confirming this with Tembo if large amounts are involved.

It's only really worth going with Tembo if you want to transfer-in or already have a Tembo account, otherwise you'd be better off dealing with Investec directly and cutting out the middleman.

Yes, the FSCS protection lies with Investec.  

This is a good site to check FSCS protection and if the organisations you're invested with or considering investing with, share protection :

https://www.fscs.org.uk/check/check-your-money-is-protected/

There was a different website i found through MSE but can't find again. It was way easier to navigate which told you what institutions shared the protection.

Yes the FSCS website is a bit quirky, but if you play with it a bit you can pick up how it works and I think it is fairly good.  Also, I hope that being the actual fscs website it should be accurate and up-to-date.

clairec666

I notice that Principality's online bonus 5 access cash ISA (4.2%, but dropping to 4% in February) has disappeared from their website. I imagine it is going to be replaced with a new issue at the same (i.e. new lower) rate, as this is what they have done before.