Best Cash ISAs 2024 & Stocks & Shares ISA offers

Find out which ISA savings accounts will pay you the best rates right now if you're looking to use your new ISA Allowance in this new financial year.
*Find the latest accounts in our regularly updated savings account best-buy article over on our site
becleverwithyourcash.com/best...
*More on these updates on the site
becleverwithyourcash.com/isa-...
W A T C H N E X T
Updates on the best savings, current accounts and credit cards
• The best children's sa...
Should you move your savings?
• Is it worth moving sav...
Regular Savings accounts explained
• Are Regular Savers wor...
#Savings #HighInterest #BestSavingsAccounts
TIMESTAMPS
00:00 New ISA rules recap
04:00 ISA rates vs elsewgere
06:26 New Trading212 Cash ISA coming soon
09:12 Best limited access Cash ISAs - Plum & MoneyBox
11:51 Best easy access Cash ISA - Chip, Zopa and more
14:25 Best fixed Cash ISA - up to 5.05%
15:58 Best Junior ISA up to 4.95%
16:40 Best Stocks & Shares ISA welcome offers - T212 & InvestEngine
MORE
S U B S C R I B E / @becleverwithyourcash
N E W S L E T T E R - becleverwithyourcash.com/news...
(You'll also get a free Quidco bonus for signing up)
T W I T T E R - / andyclevercash
I N S T A G R A M - / andyclevercash
F A C E B O O K C O M M U N I T Y - / 2661970707423383
B L O G - becleverwithyourcash.com
A B O U T A N D Y
Andy Webb is a money blogger and journalist. He runs the award-winning website Be Clever With Your Cash, hosts the Cash Chats podcast, presented Channel 5’s Shop Smart Save Money and writes every month for Reader's Digest. Andy also founded the community ukmoneybloggers.com.
DISCLAIMER
Content in these videos does not constitute regulated financial advice. Any offers mentioned were correct at the time of filming.

[@NightElff88]

Great video as always Andy. And also so nice you are mentioning Trading 212!

[@kirstinchallies9539]

Ah, the video I've been waiting for 🙏 but a quick question, what about fees on these? I went to look at plum and they charge 2.99 per month for the cash ISA! well that's what i was picking up anyway. So I'm now comparing with predicted absolute earnings not just based on % rate

[@peepshowtube]

Thanks. Been waiting 2w for this. Shame principality plunged from 5% since then 😢

[@MrKlawUK]

whats your view regarding likely rate drops on variable accounts within the next 1-2 years? The lower starting rates on the fixed could work out if rates drop a couple of quarter points

[@alibali193]

Would like a video comparing help to buy isa and Lisa. My daughter has a help to buy isa would she be better with a Lisa?

[@chrisbowser]

No mention of the Hargreaves Lansdown cash isa which allows you to choose where to Invest including in zoos?

[@esmeecampbell7396]

We bought a zoo did not make me want to buy a zoo.

[@seant6731]

Castle Trust Bank’s Fixed Cash ISA?

[@dave597]

Hi, probably a straightforward question, I just opened the Zopa Cash ISA, is it allowed to put £20k into it and also transfer my existing ISA funds from another bank which matures on 1st May into that? Thanks.

[@ladytee8361]

Yes I should think so. You only need to inform your new provider that you have a previous year ISA you would like to transfer

[@marksmith1944]

Great info Andy as usual 👍👌🏻🌟

[@LA-ph6hh]

What about monzo...4.8%

[@neilwalston2638]

A question; is it possible to transfer a previous years cash isa into a stocks and shares isa for the current year? Thanks

[@ladytee8361]

Yes, you can transfer a cash ISA to a stocks and shares ISA but note when you do so you won't lose your existing tax allowance and you don't have to transfer all. First speak to the new provider, ask if they can accept previous year isa though.

[@ladytee8361]

Another way to put this, "Yes you can for the same previous year". E.g 2022/2023 cash ISA can be transferred to another provider and changed to stocks& shares for 2022/2023. However if you don't have cash for the current year you may withdraw from your cash ISA then open a stocks & shares ISA for the current year . You will lose your previous year's allowance if you do the latter

[@Williamsimmonite]

Andy do you think the cash isa rates will stay a decent amount of time before dropping or is it better to take hit now and open fixed term isa

[@ianyoung2696]

Under the isa rules are you allowed to move a existing isa which is over 12 month old with out adding any additional money in to it in the same tax year a opening a full new 20,000 cash isa in that same tax year & will I still be with in the isa rules.

[@ladytee8361]

Hi, you can move any of your full previous year ISA into another ISA and it won't count towards your current year ISA. For instance if you have £20000 in previous year ISA let's say 2023/2024, this can be transferred into another ISA regardless who the provider is. This action won't affect your current year allowance. Hence you can still open up to £20000 for 2024/2025 tax year

[@gigas302]

This might sound like a stupid question, but how come the big banks don't offer better rates than these smaller banks?. I thought the market would be much more competitive to get your cash. I watch a similar youtube channel but about car insurance and it's always the big ones do the best offers!

[@esmeecampbell7396]

The small banks have to offer more to get ANY customers, the bigger banks offer LESS because they keep anything they didn't give to you and can assume most of their customers won't leave even if there is a better option elsewhere.

[@freedomtemp]

chip isa is really nice saving

[@MDRashid0509]

Can you tell me if they pay interest into the ISA or in your linked account???

[@julesflack]

​@@MDRashid0509 I have my ISA with Chip and they pay the interest directly into the ISA account 😊

[@esmeecampbell7396]

​@@MDRashid0509you realise Google exists right? You'll get a more accurate answer much quicker by Googling things in future... 😂

[@francesowen5034]

Still not clear on if i can split this years 20k allowance into more than one cash isa? Hunt said i could but Treasury, banks and building soc say i cant. What is going on?😢

[@ladytee8361]

Each provider has it's own policies and rules regarding ISAs. Some won't accept partial transfer and would rather want you to transfer all the funds in a particular financial year while others wouldn't mind likewise some provider won't want you splitting funds with others and would want to be your only provider for that tax year.

[@Tomwrigley83]

Question please mate about bank switching? I’ve been with HSBC for over 30yrs, would it be ok to switch from them to First direct or one of the switching deals depending which offer the best deals? Preferably one with a good regular saver and good customer service/app? Any ideas welcome please. Thank you.

[@n.iwatcheswithjude7901]

Personally I would keep your hsbc if you’ve had it all this time because shutting down a current account you’ve had for decades could impact your credit report have you thought about setting up a chase current account for example then making a few dummy accounts specifically for account switching watch his videos on the best dummy accounts to learn more

[@ondrav3705]

Is 4.53% a good rate on a 5 year NON ISA saver? or do you guys reckon it's going up?

[@JB-wz8id]

If it’s not a ISA, anything you earn after £1000 in interest will be taxed 20%. So depends on how much you plan on putting in the account.

[@ondrav3705]

sorry, I am planning on taking their 4.44% monthly pay out into an external account to avoid the tax, so is it worth taking or better off try and hope for a better rate? ​@@JB-wz8id

[@richardgatenby7560]

From the 1st July 2024, Barclays are limiting how much cash you can pay into YOUR CASH account (non ISA) to £20 000 per annum. The end of cash is coming.

[@robbieeccleston1312]

Source?

[@richardgatenby7560]

@@robbieeccleston1312 Barclays Banks’s own website, clown.🤡

[@jno5]

I tried to transfer £20,000 from Barclays to a new ISA and it wouldn’t let me £5,000 limit; so I had to do it in a different way. Barclays won’t let you transfer your own money currently……this needs to be investigated further.

[@robbieeccleston1312]

@@jno5 that’s not Barclays that’s just usual high street banking regulations to prevent fraud. Very annoying though I know

[@richardgatenby7560]

@@jno5 Who the hell do the Banks think they are to tell us how much we can deposit or withdraw from our personal bank accounts?

[@squibys2262]

No rate cuts this year and another bout of inflation incoming, hopefully they are forced to raise rates.

[@Doreenfreundt]

I know nothing about trading /investment and l'm keen on getting started. What are some strategies to get started with?

[@CYBERTRUCK18]

As a beginner, it's essential for you to have a mentor to keep you accountable. I'm guided by a widely known consultant

[@CYBERTRUCK18]

Hattie Glover

[@Doreenfreundt]

Please educate me, l've come across this name before, Now am interested. How can I reach to her?

[@CYBERTRUCK18]

She's on face book, look up her name 👇

[@CYBERTRUCK18]

Hattie Glover.

[@Hitngan]

Need to get to the facts and stop waffljng

[@debbiewright2171]

In tax yr 24/25 you can pay into multiple isa accounts but how many new isa accounts can you open in tax yr 24/25 ?

[@suesullivan5631]

As many as you like providing that the TOTAL amount doesn’t go over 20K