New ISA

madlyn

I already have Marcus and Coventry BS easy access accounts.

Rheumatoid

fabsaver said:

Rheumatoid said:

fabsaver 

Currently 4.25% for their 2 year fix.
https://www.kentreliance.co.uk/isas/two-year-fixed-rate-cash-isa
The page linked above states "top up anytime within ISA limits".

Seems to be 4.2% now

Oops I think I mistyped (as I was looking at another ISA at the time paying 4.25%).  You are correct that the rate is 4.2%

Still looks interesting though If you can open and bung in at least a grand now to secure the rate and then top up whenever you have funds. There doesn't seem to be a cut off for when funds can be added. If only I knew whether rates have likely topped out 

Albermarle

fabsaver said:

If you might need access to the money there is the Nationwide 1 Year Triple Access Online ISA at 3%
https://www.nationwide.co.uk/savings/triple-access-online-isa/
Not the best rate but a lot better than what you are receiving currently. It might be useful for the £1k you were planning to leave in the 1.3% account.

If you are unlikely to need access then fixed term ISAs offer higher rates but most do not allow further deposits beyond specific times set out in their terms. I recently discovered that Kent Reliance fixed rate ISAs do allow you to add further deposits anytime (although transfers in are restricted to 30 days).

Currently 4.2% for their 2 year fix.
https://www.kentreliance.co.uk/isas/two-year-fixed-rate-cash-isa
The page linked above states "top up anytime within ISA limits".

Unusual that KR allow additional subscription to their fixed rate ISA.
If you look at the T's&C's for the non ISA fixed rate account, they only allow one initial deposit and no additional , whereas most providers give you a window of 14 to 30 days to make extra deposits after the initial one.
So very strict for the non ISA, but very flexible for the ISA. Maybe it is because the £20K ISA limit, restricts people abusing it ?