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Cash ISAs: The Best Currently Available List

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  • pKaTz
    pKaTz Posts: 255 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Kazza242 wrote: »
    The new Aldermore one year fixed rate ISA, paying 3.35% has been added to the list on the first page.

    I've had a look and their ISA is 3.2%. The savings account is 3.35. But that is the gross rate.
  • 10_66
    10_66 Posts: 3,452 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    pKaTz wrote: »
    I've had a look and their ISA is 3.2%. The savings account is 3.35. But that is the gross rate.

    I think you'll find it changes wef today, see HERE.
  • savemoney
    savemoney Posts: 18,125 Forumite
    Part of the Furniture 10,000 Posts
    Governor Money (Progressive BS) Fixed Rate ISA - 3.75%
    Minimum deposit: £100.
    Notes: Begins from 07/03/2012 and matures on 07/03/2014.

    Now says on web site Sold-out-lg.png
  • yorkshire_lass_2
    yorkshire_lass_2 Posts: 34 Forumite
    Tenth Anniversary 10 Posts Combo Breaker
    Kazza242 wrote: »
    Yes, I opened the new M&S Advantage Cash ISA yesterday, as my fixed rate ISA with them had recently matured. It doesn't have any bonus rate of interest and looks like a good deal. I will be transferring some of my other ISAs to them too.

    I tried to add the M&S ISA to list yesterday evening, but was unable to because the forum was down for maintenance. I have now added it and the Halifax revised fixed rate ISA rates.

    As there's no interest rate guarantee with the M&S ISA, and as far as I cam make out from the T&C's nothing to stop them reducing the rate at any time, what's the risk of that happening? It looks like the best option for me right now but I'm concerned about my money being stuck in an account without a guaranteed rate (I don't really want to fix).
  • CarolynCh
    CarolynCh Posts: 64 Forumite
    Part of the Furniture 10 Posts Name Dropper
    sly_dog_jonah wrote: »
    Indeed, the quote above the first list reads:



    So it's quite right that the first list doesn't include Nationwide's account.

    Apologies - I was referring to the MSE pages, not the first post on this forum thread (where I can now see that the lists have headings). I guess I should have posted my question elsewhere in the forums.
  • Kazza242
    Kazza242 Posts: 2,199 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    yorkshire_lass wrote: »
    As there's no interest rate guarantee with the M&S ISA, and as far as I cam make out from the T&C's nothing to stop them reducing the rate at any time, what's the risk of that happening? It looks like the best option for me right now but I'm concerned about my money being stuck in an account without a guaranteed rate (I don't really want to fix).

    That's correct there is no interest rate guarantee on the M&S ISA, however, I have had ISAs with M&S since 2004 and their rates have been very consistent over the years. Also transferring an ISA to a new provider is a much quicker process than it used to be a few years ago.

    If the M&S ISA rate does fall then savers can easily arrange for their money to be transferred to an ISA elsewhere.
    Please call me 'Kazza'.
  • Kazza242
    Kazza242 Posts: 2,199 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    New ISAs from Nationwide, Aldermore and Leeds Building Society have been added to the list on the first page.

    The first is the newly launched Nationwide Online ISA (issue 3) paying 3.10%. The minimum operating balance required to receive this rate has been reduced to just £1,000 (down from £25,000). The rate is guaranteed until 30/09/2013.

    The second is the new Nationwide 18 month fixed rate ISA, paying 3.30% on balances of £1+.

    The Aldermore (60 days' notice) cash ISA paying 3.15% on balances of £1,000+ has been added to the list.

    Two new ISAs from Leeds Building Society have also been added. They are the 2 Year base rate Tracker ISA, paying 3.00% on balances of £1+. Rate guaranteed to track BOE Base Rate plus 2.50% until 31/03/2014. Also added is their 1 Year Fixed rate ISA, also paying 3.00% on £1+.
    Please call me 'Kazza'.
  • Optimist
    Optimist Posts: 4,557 Forumite
    Part of the Furniture
    Kazza242 wrote: »
    .


    Mmm am I right in thinking that if I give 99 days notice before the year is up then I could get 3.70% for a 12 month term ? Have I missed something ?
    "The whole problem with the world is that fools and fanatics are always so certain of themselves, but wiser people so full of doubts."

    Bertrand Russell. British author, mathematician, & philosopher (1872 - 1970)
  • 10_66
    10_66 Posts: 3,452 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 18 February 2012 at 7:05PM
    Optimist wrote: »
    Mmm am I right in thinking that if I give 99 days notice before the year is up then I could get 3.70% for a 12 month term ? Have I missed something ?

    It seems like that's what they're saying according to their terms and conditions HERE, page four, it's penalty free transfer/closure after the 99 days' notice. Clever you! You can bet your bottom dollar that it'll have closed by the time my Halifax Direct Reward ISA's bonus period is up.
  • tiptoe_mouse
    tiptoe_mouse Posts: 344 Forumite
    Part of the Furniture 100 Posts
    Kazza242 wrote: »
    The first is the newly launched Nationwide Online ISA (issue 3) paying 3.10%. The minimum operating balance required to receive this rate has been reduced to just £1,000 (down from £25,000). The rate is guaranteed until 30/09/2013.

    On the Nationwide website it says:
    In order to apply for an Online ISA you need to hold a Nationwide card account (excludes Regular Savings). If you don't already have a card account you may wish to apply for a CashBuilder card account and an Online ISA at the same time.

    Would you consider adding this information to the first page, Kazza?

    Thanks,

    tiptoe
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