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Top Cash ISAs for transfers

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Last updated on

20 February 2015

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4 Comments

Not all Cash ISAs allow you to transfer existing ISA funds in. But these do.

If you have old ISAs, do you know what rate of interest they are paying? Are you sure it's competitive? If not, we’d suggest finding out now. If it’s not, it’s time to move your money.

And right now the best interest rates are for Cash ISAs which do allow transfers in from existing ISAs.

For the top ISAs that are only available to people who already have products with a financial institution or live in certain geographic areas, see The hidden best buy Cash ISAs.

Here we're going to look at the best Cash ISAs that allow transfers in. We've included accounts that are tied to popular current accounts and those that have tiered interest rates.

Easy access ISAs

The table below highlights the best easy access Cash ISAs that allow transfers in.

Account

Interest rate (AER)

Minimum deposit

Danske Bank Cash ISA

1.75%^

£30,000

NS&I Direct ISA

1.50%

£1

Post Office Premier Cash ISA

1.50%

£100

Post Office Online ISA

1.50%

£100

Barclays Instant Cash ISA

1.49%^

£30,000

^Lower rates available for smaller deposits

Notice ISAs

If you don't think you'll need to access your ISA money, then you could instead opt for a notice ISA. Historically, they have generally paid better interest rates than easy-access ISAs.

Account

Interest rate (AER)

Minimum deposit

Notes

Al Rayan Bank Notice Cash ISA

2.02%*

£250

120 days’ notice required for withdrawals.

Clydesdale Bank 40 Day Notice Cash ISA

2.00%^

£24,000

40 days’ notice required for withdrawals.

Yorkshire Bank 40 Day Notice Cash ISA

2.00%^

£24,000

40 days’ notice required for withdrawals.

National Counties BS 45-Day Notice Cash ISA

1.60%

£30,000

45 days’ notice required for withdrawals.

Furness BS ISA 90

1.60%^

£9,001

90 days’ notice required for withdrawals.

*Anticipated profit rate

^Lower rates available for smaller deposits

Fixed rate Cash ISAs

If you’d prefer to tie up your savings for a year or more, you could usually earn a far higher rate of interest with a fixed rate cash ISA. However, at the moment only the United Bank UK ISA, which only accepts transfers in, really stands out.

Here are the top-paying fixed-rate Cash ISAs across a range of timespans that accept transfers in.

Account

Interest rate (AER)

Minimum depsoit

Length of fixed rate

United Trust Bank Five-Year Fixed ISA

2.75%

£5,000

Five years

Post Office Fixed Rate Cash ISA

2.10%

£500

Three years

Post Office Fixed Rate Cash ISA

1.95%

£500

Two years

Virgin Money Fixed Rate Cash E-ISA

1.65%

£1

One year

United Bank UK One-Year Fixed Rate Cash ISA

1.65%

£2,000

One year

Julian Hodge Bank One-Year Fixed ISA

1.55%

£5,000

One year

If you want to use this year's ISA allowance have a read of The best Cash ISAs.

Compare Cash ISAs

This article is regularly updated with the latest rates

More on ISAs and savings:

The top fixed-rate savings bonds

Top instant access savings accounts

Where to earn most interest on your cash

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