Help please re: Fixed Cash Isa's that still accept funds during duration of fixed term

Silverweed

Hi, would appreciate some help if poss please re: any fixed cash isa providers that still allow funds to be added during duration of the fixed term. Thanks in advance.

(My understanding is Shawbrook allowed this - but looking on their website recently am not sure if their current fixed cash isa issues do or if it is now just a 90 day funding period?)

Zaul22

Barclays does.

Albermarle

https://forums.moneysavingexpert.com/discussion/6656305/help-please-re-fixed-cash-isa-039-s-that-still-accept-funds-during-duration-of-fixed-term

I have checked their website and it seems that they have changed the wording. It used to say something like ' you can add funds to the fixed term account during the duration of the term, subject to ISA limits' but not any more.

I always thought it was a rather generous feature of their products, so not 100% surprised with this change. I can still add to my existing fixed term accounts, as I did just that very recently.

Apart from Barclays, I think members of the LLoyds banking group allow later funding as well.

Marmaduke123

Kent Reliance does, not sure if it is on all their products

Rich2808

https://forums.moneysavingexpert.com/discussion/comment/81893640#Comment_81893640

I think that may only apply to new funds - isa transfers have to be requested within 30 days of opening now?

https://www.kentreliance.co.uk/media/xlwbskz4/426-one-year-fixed-rate-cash-isas-flyer.pdf

Lloyds used to allow you to fund for the full term - including transfers - but stopped that for new accounts last summer. I still have a 2 year fixed ISA with Lloyds opened 18 months ago I can fund.

Any others left

astro-k

I spoke to Kent Reliance on the telephone. I have an ISA maturing elsewhere in a few days and they confirmed that I can add more funds in the new tax year which would be over 30 days from opening the account.

clairec666

Perhaps now that interest rates are falling, providers are tightening up on allowing deposits throughout the term. When interest rates were rising, it wasn't really an issue.

Albermarle

https://forums.moneysavingexpert.com/discussion/comment/81894177#Comment_81894177

In this case you would presumably have to withdraw from the maturing ISA to your current account, and then add new funds to KR ISA, therefore using up some of your £20K allowance?

I would doubt they would accept ISA transfers in after the 30 day window.

Newly_retired

Shawbrook recently allowed me to transfer a Shawbrook matured iSA into an existing fixed rate ISA I already held with them. I couldn’t do it as a maturity instruction, butI requested it through their Messaging service and they agreed..

astro-k

https://forums.moneysavingexpert.com/discussion/comment/81894185#Comment_81894185

Account opened a couple of day ago with transfer request of my maturing ISA (matures in around a week). Transfer should easily happen within 30 days of opening the account. This locks in the rate before the BoE interest rate date of 19th March and any adjustment Kent Reliance might make to their rates ahead of this. In the new tax year I will add more cash under the 2026/27 allowance.

Silverweed

Really appreciate all the helpful comments.

Just been trawling through some other fixed isa t&c's today but haven't found any more providers not mentioned yet that also allow isa funds to be added in future tax years. I will have another look tomorrow and if I do find any others, will add the details here.

I have a fixed cash isa maturing quite soon in mid March so at the moment think Kent Reliance is probably my best option as their current fixed isa rates look reasonable and going forward having the ability to continue adding to the isa is a plus for me particularly with the interest rate outlook generally. I see they also offer monthly interest which may suit some savers.

Thanks again everyone.