Which is best TRULY INSTANT access account or cash ISA

Mishomeister

Currently have cash ISA with Tembo whic I am very unhappy with due to them having 2 working days delay in processing withdrawals and also them not providing instantly available bank statements.

I am looking for either regular instant access savings account or an ISA without the above mentioned nonsenses. Also not keen opening up a current account specifically for that purpose, so Chase bank will not work.

I've seen Cahoot advertised as having reasonable rate, but not sure if they are any instant.

I have the below current accounts if that matters:

HSBC Advance

Santander basic account

Lloyds Premier account

Metro bank account

NatWest current account

Virgin M Plus

Halifax Current account

Bank If Scotland current account

Nationwide FlexDirect

Many thanks

EthicsGradient

Cahoot have always been as good as instant for me - in the time it takes to sign in to my bank app, the money has transferred and is available. It is run by a clearing bank, which means it has access to the fastest ways to transfer.

GeoffTF

Faster Payments is usually instant, but can take up to the end of the next day to arrive. Marcus was instant subject the that caveat when I used it. The Skipton is fast too, but only on working days. I have a local Skipton branch too, so I use the Skipton nowadays.

Xenon

Kent Reliance are instant - at least they have been so far…including the weekend

EarthBoy

I think all of your banks offer instant access savings accounts, but the interest rates will be poor.

The Club Lloyds Monthly Saver is one of the best. It pays interest at 6.25%, but you can only pay in up to £400 per month. Unlike many regular savers, though, it offers instant access withdrawals.

Emmia

I have pretty instant access to my savings in Chip, but honestly I find it easier to have a savings "float" in a cash savings account linked to my current account - this doesn't pay the best interest, but has £500-£1000 for instant transfer to pay an unexpected bill if needed.

cmundo

Spring Savings are good and instant.

Growingold

I have been looking at Tandem Instant Access Cash ISA. It pays a decent rate 4% which includes a bonus for 12 months which I believe you can top up. Can also have savings pots within it. I have their ordinary instant access account and withdrawals have always been instant so I would expect their ISA to be too. It is also flexible.

george4064

Chase accounts are instant transfers from experience.

Aretnap

Also not keen opening up a current account specifically for that purpose, so Chase bank will not work.

Shame as I currently use Chase and was about to suggest then as the transfers are always instant, or at least within an hour or so.

May I ask what your objection to opening a current account to get a good savings account is - you obviously have plenty of current accounts already so what's one more between friends?

Bigwheels1111

I use trading 212, deposits and transfer are near instant.

On the odd occasion it can take 2 hours.

It states up to 3 working days though.