Are any providers offering 2026/2027 Cash ISAs yet?

Moots2024

That's it really. Are there any providers out there offering Cash ISA products now for the next financial year(incl interest rates) on the understanding that deposits are made soon after 5 April 2026?

Barkin

Not quite sure what you're asking. Cash ISA's don't run for a financial year - the financial year is only relevant re: the amount that can be added to an ISA.

Shawbrook (for example) allow you to open a fixed rate ISA today, and you then have 90 days in which to fund it.

Not sure if that helps...

mebu60

The Virgin Money Fixed Rate Cash ISA at 4.15% has a 30 day funding window so that is also effectively available for 26/27 from 6 April (or first working day 7 April).

Moots2024

barkin & mebu60 - thank you both, That helps.

Albermarle

With the sudden change on the interest rate outlook, I would think that fixed rates will be creeping up soon, so I would not rush to fix today ( in my opinion).

Barkin

Or you could hedge your bets - open today, but wait NN days before deciding whether or not to fund it.

If rates have then gone up, leave it unfunded and open another at a better rate.

Moots2024

Thanks all. Is it okay to open a new ISA account in this financial year but leave it unfunded until after 5 April if you have already reached your ISA limit for this year?

eskbanker

https://forums.moneysavingexpert.com/discussion/comment/81915831#Comment_81915831

As above, the only thing preventing you from doing that would be a specified funding window that would expire before the new tax year, so check the terms of any accounts you're considering.

Yorkie1

Also, just double check the T&Cs if you are trying to open another ISA with a provider where you already opened and funded one this year - there might be the occasional provider who might say you can only open 1 ISA with them a year.

david72

Do some providers not also regard a new ISA that remains unfunded by the end of the financial year as having "expired" and automatically close it at that point (even if the funding window (for a fixed-term ISA or initial deposit) would otherwise have continued longer into what would be, in this case, the next financial year)? You would then have to apply for a new account in such cases, and the interest rate then available at that time might have changed. I'm sure I had previously read of some forum members having encountered this problem in the past. As ever, you need to check the T&Cs carefully.