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Top Cash ISAs for transfers

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Last updated on

05 May 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 many of the best interest rates are for Cash ISAs which do allow transfers in from existing 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.

ISA

Rate

Minimum deposit

Bonus

Notes

Punjab National Bank (International)

2.00%

£1

None

Transfers and new subscriptions.

Nationwide Flexclusive ISA

1.60%

£1

None

Transfers and new subscriptions.

 

Only available to Nationwide current account customers.

Santander Direct ISA Saver

1.50%

£500

None

Transfers and new subscriptions.

Rate only available to Santander 123 World or Santander Select customers.

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

Bonus

Notes

Al Rayan Bank Notice Cash ISA

2.02%*

£250

None

Transfers and new subscriptions.

120 days’ notice required for withdrawals.

Dudley BS Cash 30 ISA

1.50%

£100

None

Transfers and new subscriptions.

30 days’ notice required for withdrawals.

*Anticipated profit rate

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. 

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

Account

Interest rate (AER)

Minimum deposit

Length of fixed rate

 Notes

Punjab National Bank (International)

2.70%

£1,000

Five years

Transfers and new subscriptions.

Punjab National Bank (International)

2.50%

£1,000

Four years

Transfers and new subscriptions.

Punjab National Bank (International)

2.30%

£1,000

Three years

Transfers and new subscriptions.

Punjab National Bank (International)

2.15%

£1,000

Two years

Transfers and new subscriptions.

Al Rayan Bank Fixed Term ISA

1.90%*

£1,000

12 months

Transfers and new subscriptions.

*Anticipated profit rate

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 best Cash ISAs

The top fixed-rate savings bonds

Where to earn most interest on your cash

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