We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Flexible cash ISAs that allow transfer ins?
 
            
                
                    SouthLondonUser                
                
                    Posts: 1,445 Forumite
         
             
         
         
             
         
         
             
         
         
             
                         
            
                        
             
         
         
            
                    I want a flexible cash ISA that allows transfer ins. 
I wanted to ask if you can think of any not mentioned on the MSE page https://www.moneysavingexpert.com/savings/best-cash-isa/
The page used to mention Monument, but not any more https://www.monument.co/savings/easy-access-cash-isa Monument should allow transfer ins "soon" but it doesn't at the moment.
I am reluctant about Trading 212. It's unclear to me if I can open a cash ISA without also opening a trading account, and I'm put off by the many complaints of how hard it was to transfer funds in and out of 212.
I am also reluctant about Chip, because I don't like the fact that it's not technically a bank and funds are protected with ClearBank, not directly with Chip.
Zopa seems decent, but I need to transfer out of Zopa.
Skipton offers one that pays much less (3.30% - that's less than gilts pay now)
Thoughts?
                
                I wanted to ask if you can think of any not mentioned on the MSE page https://www.moneysavingexpert.com/savings/best-cash-isa/
The page used to mention Monument, but not any more https://www.monument.co/savings/easy-access-cash-isa Monument should allow transfer ins "soon" but it doesn't at the moment.
I am reluctant about Trading 212. It's unclear to me if I can open a cash ISA without also opening a trading account, and I'm put off by the many complaints of how hard it was to transfer funds in and out of 212.
I am also reluctant about Chip, because I don't like the fact that it's not technically a bank and funds are protected with ClearBank, not directly with Chip.
Zopa seems decent, but I need to transfer out of Zopa.
Skipton offers one that pays much less (3.30% - that's less than gilts pay now)
Thoughts?
0        
            Comments
- 
            You can open a Trading 212 Cash ISA on its own.
 I had no problems transferring in two other cash ISAs.
 I also have cash in the Invest section paying the same rate as the ISA, quite happy with using QMMFs.0
- 
            
 You can search the more comprehensive listings at Moneyfacts, where you can filter those accepting transfers, although flexible status can only be seen by looking at the detail of individual products thereafter as it isn't one of the filtering criteria.SouthLondonUser said:I want a flexible cash ISA that allows transfer ins.
 I wanted to ask if you can think of any not mentioned on the MSE page https://www.moneysavingexpert.com/savings/best-cash-isa/
 147 easy access ISAs that accept transfers, some of which will be flexible:
 https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false&product-favorites-first=false&sort-order=AER&sort-order-text=Rate&id=null&business-type=16&activity-type=null&investment-amount=20000&investment-type=4&account-types=64&interest-paid-frequencies=null&terms=null&account-opening-methods=null&account-management-methods=null¬ice-periods=1&include-notice-period=true&include-term=true&age=21&has-withdrawal-restrictions=2&existing-customers-only=2&is-shariaa=2&joint-account-only=21
- 
            SouthLondonUser said:I want a flexible cash ISA that allows transfer ins.
 I wanted to ask if you can think of any not mentioned on the MSE page https://www.moneysavingexpert.com/savings/best-cash-isa/
 The page used to mention Monument, but not any more https://www.monument.co/savings/easy-access-cash-isa Monument should allow transfer ins "soon" but it doesn't at the moment.
 I am reluctant about Trading 212. It's unclear to me if I can open a cash ISA without also opening a trading account, and I'm put off by the many complaints of how hard it was to transfer funds in and out of 212.
 I am also reluctant about Chip, because I don't like the fact that it's not technically a bank and funds are protected with ClearBank, not directly with Chip.
 Zopa seems decent, but I need to transfer out of Zopa.
 Skipton offers one that pays much less (3.30% - that's less than gilts pay now)
 Thoughts?
 Coventry 4.55%2
- 
            
 Six withdrawals a year I think permittedGambler said:JSouthLondonUser said:I want a flexible cash ISA that allows transfer ins.
 I wanted to ask if you can think of any not mentioned on the MSE page https://www.moneysavingexpert.com/savings/best-cash-isa/
 The page used to mention Monument, but not any more https://www.monument.co/savings/easy-access-cash-isa Monument should allow transfer ins "soon" but it doesn't at the moment.
 I am reluctant about Trading 212. It's unclear to me if I can open a cash ISA without also opening a trading account, and I'm put off by the many complaints of how hard it was to transfer funds in and out of 212.
 I am also reluctant about Chip, because I don't like the fact that it's not technically a bank and funds are protected with ClearBank, not directly with Chip.
 Zopa seems decent, but I need to transfer out of Zopa.
 Skipton offers one that pays much less (3.30% - that's less than gilts pay now)
 Thoughts?
 Coventry 4.55%
 zopaas mentioned is flexible and allows transfersx
 1
Confirm your email address to Create Threads and Reply
 
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.3K Work, Benefits & Business
- 601K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards

 
          
         