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Cash ISAs: The Best Currently Available List

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Comments

  • septemberblues
    septemberblues Posts: 838 Forumite
    edda wrote: »
    Tax year 2010-11 only

    http://www.coventrybuildingsociety.co.uk/savings/taxfree.aspx?WT.ac=HP_1_FI1Y3_FI2Y9

    Fixed at 3.25% to 31.5.11

    or

    Fixed at 3.5% to 31.5.12

    £5,100 must be invested as a lump sum - no transfers in are allowed

    (Kazza - your comment in post 1 says "2010/11 transfers in only accepted" and possibly needs changing)

    So does this mean that it is a better ISA to have instead of the A&L?Santander one, as the interest is a bit higher.
    KEEP CALM AND keep taking the tablets :cool2:
  • Mickygg
    Mickygg Posts: 1,737 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    depends what you mean by better. Yes it has a higher initial rate, albeit only 0.05%, but a&l and santander are 2.7% above boe base rate so there is the potential for the rate to increase.
  • septemberblues
    septemberblues Posts: 838 Forumite
    Mickygg wrote: »
    depends what you mean by better. Yes it has a higher initial rate, albeit only 0.05%, but a&l and santander are 2.7% above boe base rate so there is the potential for the rate to increase.

    Ok thanks. So which one is the best bet? I'm looking for an ISA to be fixed rate for 1 year, and want to put in £5,100 in one lump sum.
    KEEP CALM AND keep taking the tablets :cool2:
  • THRIFTY_GIRL
    THRIFTY_GIRL Posts: 304 Forumite
    septemberblues wrote: »
    Ok thanks. So which one is the best bet? I'm looking for an ISA to be fixed rate for 1 year, and want to put in £5,100 in one lump sum.

    Choosing between Coventry 3.25% and Santander 3.20% I would probably go for Santander. Basically, if rates remain unchanged you will have lost out on the princely sum of £2.55. If rates rise, you will gain £10.20 for each 0.25% rise in base rate. I've not looked at the full list so don't know if there is anythingh better available.

    HTH
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  • 10_66
    10_66 Posts: 3,462 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    septemberblues wrote: »
    Ok thanks. So which one is the best bet? I'm looking for an ISA to be fixed rate for 1 year, and want to put in £5,100 in one lump sum.

    If you value your sanity, I wouldn't go near Santander. HERE'S a link that tells you about the best ISA rates currently available.
  • Iconic
    Iconic Posts: 1,021 Forumite
    Part of the Furniture 500 Posts
    I see M&S have have adjusted their rates downwards the three year rate is now 3.25%.

    http://money.marksandspencer.com/save-invest/fixed-rate-savings/more-information/
  • cyclonebri1
    cyclonebri1 Posts: 12,827 Forumite
    Iconic wrote: »
    I see M&S have have adjusted their rates downwards the three year rate is now 3.25%.

    http://money.marksandspencer.com/save-invest/fixed-rate-savings/more-information/



    All still heading steeply in one direction:eek:, ;)
    I like the thanks button, but ,please, an I agree button.

    Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)

    Always expect the unexpected:eek:and then you won't be dissapointed
  • apt
    apt Posts: 3,238 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    THRIFTY_GIRL wrote: »
    Choosing between Coventry 3.25% and Santander 3.20% I would probably go for Santander. Basically, if rates remain unchanged you will have lost out on the princely sum of £2.55. If rates rise, you will gain £10.20 for each 0.25% rise in base rate. I've not looked at the full list so don't know if there is anythingh better available.

    But how long would the useless Santander take to transfer your ISA at the end of the year?
  • cyclonebri1
    cyclonebri1 Posts: 12,827 Forumite
    apt wrote: »
    THRIFTY_GIRL wrote: »
    Choosing between Coventry 3.25% and Santander 3.20% I would probably go for Santander. Basically, if rates remain unchanged you will have lost out on the princely sum of £2.55. If rates rise, you will gain £10.20 for each 0.25% rise in base rate. I've not looked at the full list so don't know if there is anythingh better available.

    But how long would the useless Santander take to transfer your ISA at the end of the year?

    Well as I've said before I've used Santander (abbey) for savings probably for 30 years now without issue. I have however today sent off 4 sets of transfer papers, all to one bank, 2 of the transfers fromm Santander. I'll see how they compare and let you know however it goes, ;);)
    I like the thanks button, but ,please, an I agree button.

    Will the grammar and spelling police respect I do make grammatical errors, and have carp spelling, no need to remind me.;)

    Always expect the unexpected:eek:and then you won't be dissapointed
  • psychy
    psychy Posts: 289 Forumite
    Well, the Santander ISA looks good. Is it worth investing now or waiting a few weeks to see if anyone else is offering better rates?
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