Top Cash ISAs for transfers in 2018/19

With NS&I cutting the already paltry rate on its ISA, it's time to move your savings elsewhere. Not all ISAs allow you to make transfers, but these accounts do.

National Savings & Investments (NS&I) has cut the interest rate on its Direct ISA from 1% to 0.75%.

This is despite the Bank of England raising the Base Rate by the same amount in August.

With an interest rate of just 0.75%, NS&I's Direct ISA now lags well behind the rates offered by other providers and is below inflation.

Although many savers value the security that NS&I providers, it's worth noting that the Financial Services Compensation Scheme covers up to £85,000 of savings per banking group. Therefore, by spreading your savings around you can also ensure it is protected.

We’ve rounded up the best Cash ISAs that allow transfers of previous year’s ISA allowances as well as new subscriptions for 2018/19.

Easy access ISAs

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

* Anticipated profit rate (explained here)

**maximum two withdrawals per calendar year

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.

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.  Bear in mind that locking your money away for years could be a risky move.

Here are the top-paying fixed-rate Cash ISAs, arranged by timespans, that accept transfers.

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

*Anticipated profit rate (explained here)

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