Top Cash ISAs

surreysaver

gwapenut said:

dekkard said:

This one seems to be missing from the MSE summary page:

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-5-access-cash-isa

A 1 year bonus doesn't appeal to me much for a provider who only does transfers by post. Too much hassle and risk of complications for a definite short term.

But you're right, it should be summarised

I've used Principality for years. Never had a problem. Good rates.
They might be manual, but they're quick.
If it ain't broke, don't fix it.

dekkard

Principality BS - Online Bonus 5 Access Cash ISA (Issue 4)

Does anyone know if this account's interest rate will likely go down in September? It's no longer available to open so there's no info on the website.

RexItaliae

dekkard said:

Principality BS - Online Bonus 5 Access Cash ISA (Issue 4)

Does anyone know if this account's interest rate will likely go down in September? It's no longer available to open so there's no info on the website.

If I remember correctly, the page with the details for this account said that rate will decrease to 4.20% at some point in September. 

dekkard

RexItaliae said:

dekkard said:

Principality BS - Online Bonus 5 Access Cash ISA (Issue 4)

Does anyone know if this account's interest rate will likely go down in September? It's no longer available to open so there's no info on the website.

If I remember correctly, the page with the details for this account said that rate will decrease to 4.20% at some point in September. 

You may be thinking of Issue 5 which is advertised to go to 4.20% in September.

Since posting my question I've found the page where there's a link to their 'offsale' account rates but it hasn't been updated since 4th July so no answer to my question sadly. Here's the link:

https://www.principality.co.uk/home/contact-us/help-and-support/savings-support

surreysaver

RexItaliae said:

dekkard said:

Principality BS - Online Bonus 5 Access Cash ISA (Issue 4)

Does anyone know if this account's interest rate will likely go down in September? It's no longer available to open so there's no info on the website.

If I remember correctly, the page with the details for this account said that rate will decrease to 4.20% at some point in September. 

18th September 

Ch1ll1Phlakes

dekkard said:

Principality BS - Online Bonus 5 Access Cash ISA (Issue 4)

Does anyone know if this account's interest rate will likely go down in September? It's no longer available to open so there's no info on the website.

At the time of writing Principality hasn't emailed to inform of rate changes to 'No Longer Available' accounts but I imagine will do so in the near future, probably within  the next week as they give 14 days notice and usually make these rate changes at the same time as for available products.

MikeyBhoy

Signed up to Trading 212 for the better interest rate as recommended here. However the security on their android app just didnt cut the mustard for something protecting tens of thousands of pounds. Long story short, their 2FA looks inadequate in that I (or a phone thief) could log on to the account with just username and password. No 2FA required. Even with 2FA configured and mandated. Their support confirmed this was expected behaviour as the phone is now a trusted device, with no way to untrust the phone. That's not good enough for me. A banking app should ALWAYS require 2FA for logon, so I'll have to go with something offering a lower rate 🫤

masonic

https://forums.moneysavingexpert.com/discussion/comment/81939671#Comment_81939671

I'm not even using the app. Mandated 2FA works just fine via the web. When it's on the same device, 2FA offers no additional protection. I try to keep any accounts with significant balances off devices that I carry around with me when away from home.

CYPER

Yesterday Plum was listed in the MSE article with 4.61% interest rate.

Later the same day I decided to open one and the rate has dropped to 4.35% + Plus dissapeared from the article.

Today the rate is back at 4.61% and again is listed in the article.

What happened?

masonic

https://forums.moneysavingexpert.com/discussion/comment/81956710#Comment_81956710

The rate was dropped on the 8th. Then they put back up on the 9th.