Looking for Non Fixed Cash ISA

DoneWorking

Must have at least 4.5 % interest
Paying annual or Monthly Interest

If Monthly ideally I'd like to take out the interest to top up my monthly spending commitments 

I will be funding it with this year's ISA Funds less £500 already used on a Fixed Cash ISA

Catplan

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

eskbanker

DoneWorking said:

Catplan said:

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

I've done all that.
I'm just looking for any recommendations from people who have set up cash ISAs they are happy with which meet my requirements 

But your stated requirements are very broad - the first few pages of those results at Moneyfacts all pay accessible 4.5+% interest monthly or annually!  What differentiates products for you?

surreysaver

A non-fixed ISA by its nature will have a variable interest rate.
Just go through the list and see what suits you - what suits you may not suit someone else.  So not really sure what you're asking?

jimjames

DoneWorking said:

Catplan said:

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

I've done all that.
I'm just looking for any recommendations from people who have set up cash ISAs they are happy with which meet my requirements 

I'm using Chip at 5.1% but plenty of others are available paying similar

Stargunner

DoneWorking said:

surreysaver said:

A non-fixed ISA by its nature will have a variable interest rate.
Just go through the list and see what suits you - what suits you may not suit someone else.  So not really sure what you're asking?

I'm asking for recommendations for accounts others have used which :
Are Reliable
Provide Good Service 
Provide Monthly Payments

On the basis of this info I make my decision 

Is there such a thing as an unreliable ISA? They all pay the rates that they advertise.

The moneyfacts comparison website will give you all the information that you need and if you need anything further you can look at the providers website.

eskbanker

DoneWorking said:

eskbanker said:

DoneWorking said:

Catplan said:

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

I've done all that.
I'm just looking for any recommendations from people who have set up cash ISAs they are happy with which meet my requirements 

But your stated requirements are very broad - the first few pages of those results at Moneyfacts all pay accessible 4.5+% interest monthly or annually!  What differentiates products for you?

I like to get recommendations from others in this group in addition to researching different accounts

I find this leads to better outcomes and avoids errors or bad decisions

DoneWorking said:

I'm asking for recommendations for accounts others have used which :
Are Reliable
Provide Good Service 
Provide Monthly Payments

On the basis of this info I make my decision 

But what does 'reliability' and 'good service' actually mean to you, or perhaps what does 'unreliability' and 'bad service' look like, in terms of how to actually differentiate between ISA providers?  Maybe you find that asking vague open questions really does help you, but personally I can't see how your approach to this thread "leads to better outcomes and avoids errors or bad decisions"?

DoneWorking said:

For example one of the monthly interest accounts mentions the monthly interest must be compounded.
I was not sure if this meant it must be kept in the ISA account

The accounts in that list are all easy access ones, so you can withdraw what you want, when you want!

DoneWorking

eskbanker said:

DoneWorking said:

eskbanker said:

DoneWorking said:

Catplan said:

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

I've done all that.
I'm just looking for any recommendations from people who have set up cash ISAs they are happy with which meet my requirements 

But your stated requirements are very broad - the first few pages of those results at Moneyfacts all pay accessible 4.5+% interest monthly or annually!  What differentiates products for you?

I like to get recommendations from others in this group in addition to researching different accounts

I find this leads to better outcomes and avoids errors or bad decisions

DoneWorking said:

I'm asking for recommendations for accounts others have used which :
Are Reliable
Provide Good Service 
Provide Monthly Payments

On the basis of this info I make my decision 

But what does 'reliability' and 'good service' actually mean to you, or perhaps what does 'unreliability' and 'bad service' look like, in terms of how to actually differentiate between ISA providers?  Maybe you find that asking vague open questions really does help you, but personally I can't see how your approach to this thread "leads to better outcomes and avoids errors or bad decisions"?

DoneWorking said:

For example one of the monthly interest accounts mentions the monthly interest must be compounded.
I was not sure if this meant it must be kept in the ISA account

The accounts in that list are all easy access ones, so you can withdraw what you want, when you want!

I've made my decision 
Thanks for all your advice 😊 

eskbanker

DoneWorking said:

eskbanker said:

DoneWorking said:

eskbanker said:

DoneWorking said:

Catplan said:

Search here on rate, https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false

I've done all that.
I'm just looking for any recommendations from people who have set up cash ISAs they are happy with which meet my requirements 

But your stated requirements are very broad - the first few pages of those results at Moneyfacts all pay accessible 4.5+% interest monthly or annually!  What differentiates products for you?

I like to get recommendations from others in this group in addition to researching different accounts

I find this leads to better outcomes and avoids errors or bad decisions

DoneWorking said:

I'm asking for recommendations for accounts others have used which :
Are Reliable
Provide Good Service 
Provide Monthly Payments

On the basis of this info I make my decision 

But what does 'reliability' and 'good service' actually mean to you, or perhaps what does 'unreliability' and 'bad service' look like, in terms of how to actually differentiate between ISA providers?  Maybe you find that asking vague open questions really does help you, but personally I can't see how your approach to this thread "leads to better outcomes and avoids errors or bad decisions"?

DoneWorking said:

For example one of the monthly interest accounts mentions the monthly interest must be compounded.
I was not sure if this meant it must be kept in the ISA account

The accounts in that list are all easy access ones, so you can withdraw what you want, when you want!

I've made my decision 
Thanks for all your advice 😊 

Out of curiosity, what did you end up going for, and what was the basis for your decision?