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  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,881Posts
    • 2,388Thanks
    Kazza242
    New Cash ISAs (NISAs): The Best Currently Available List
    • #1
    • 14th Mar 07, 10:18 PM
    New Cash ISAs (NISAs): The Best Currently Available List 14th Mar 07 at 10:18 PM
    New Cash ISAs (NISAs): The Best Currently Available List


    **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. Updates to the list are made during the evening.**

    The current New Cash ISA (NISA) limit is £15,240 for the 2016/17 tax year.

    **As with any financial product, before opening a NISA do ensure that you have read and understood the terms and conditions.**

    • Variable Rate Cash NISAs for 'new money' only (i.e. they don't accept transfers in):

    • Scottish BS Loyalty Cash ISA - 1.80%
      Rate guarantee? No. Rate effective from: 06/04/2016.
      Minimum deposit: £1. Operated via: Branch or Post.
      Notes: Available to existing customers holding an ISA with the Society prior to tax year 2010/11, (1.60% is paid to customers holding an ISA in tax years 2010/11 & 2011/12 and 1.40% for tax years 2012/13 & 2013/14).

    • Coventry BS Easy Access ISA (2) - 1.40%
      Rate guarantee? No. Rate effective from: 05/02/2015.
      Minimum deposit: £1. Operated via: Branch, Internet, Post or Telephone.


      Variable Rate Cash NISAs for 'new money' only requiring notice to be given:

    • Earl Shilton BS [90 Days' Notice] Cash ISA - 1.55%
      Rate guarantee? No. Rate effective from: 01/04/2015.
      Minimum deposit: £10. Operated via: Branch or Post.
      Notes: 90 days' notice of withdrawal required.

    • Yorkshire Bank Cash ISA 40 Day Notice - 1.50%
      Rate guarantee? No. Rate effective from: 01/12/2013.
      Minimum deposit: £15,000 (to qualify for the higher rate). Operated via: Branch or Post.
      Notes: 1.00% is paid on balances £1 - £14,999 (and 1.75% is paid on balances totalling £30,000 and above).
      Important: 40 days' notice of withdrawal required.
      See the Clydesdale Bank ISA here.

    • Teachers BS [90 Days' Notice] Cash ISA Notice 90 (issue 6) - 1.40%
      Rate guarantee? No. Rate effective from: 14/04/2016.
      Minimum deposit: £100. Operated via: Internet or Post.
      Notes: 90 days' notice of withdrawal required.


      Fixed Rate Cash NISAs for 'new money' only (i.e. they don't accept transfers in):


      Variable Rate Cash NISAs that accept transfers in:

    • Punjab Bank Variable Rate Cash ISA - 1.65%
      Rate guarantee? No. Rate effective from: 01/04/2014.
      Minimum deposit: £1. Operated via: Branch.
      Rate will decrease to 1.45% from 30/04/2016.

    • Danske Bank Cash ISA - 1.60%
      Rate guarantee? No. Rate effective from: 01/06/2015.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet or Post.
      Notes: 0.40% is paid on balances totalling £1 - £29,999.

    • First Trust Bank Cash ISA - 1.35%
      Rate guarantee? No. Rate effective from: 30/11/2015.
      Minimum deposit: £50,000 (to qualify for the higher rate). Operated via: Branch, Mobile App or Post.
      Notes: 1.10% is paid on balances totalling £35,000 - £49,999, 0.95% £15,000 - £34,999, 0.65% £5,000 - £14,999 and 0.25% on £1 - £4,999.

    • First Direct Cash ISA - 1.30%
      Rate guarantee? No. Rate effective from: 12/01/2016.
      Minimum deposit: £1. Operated via: Internet, Post, Mobile App or Telephone.

    • Marks & Spencer Advantage Cash ISA - 1.30%
      Rate guarantee? No. Rate effective from: 28/11/2013.
      Minimum deposit: £1. Operated via: Post or Telephone.

    • Nationwide Flexclusive ISA - 1.30%
      Rate guarantee? No. Rate effective from: 06/04/2016.
      Minimum deposit: £1. Operated via: Branch, Internet or Mobile App.
      Notes: To be eligible for this ISA, you must hold either a FlexOne current account and be over 18 years old, or hold a FlexAccount in which you have paid in £750+ a month for the last 3 months or hold a FlexDirect or FlexPlus account.

    • Monmouthshire BS Cash ISA 8 - 1.30%
      Rate guarantee? No. Rate effective from: 06/04/2016.
      Minimum deposit: £10. Operated via: Branch, Internet and Post.
      Notes: Available to existing customers and/or locals (Postcode areas: NP, CF, SA, LD, WR, GL, HR and BS).

    • Sainsbury's Bank Cash ISA - 1.30%
      Rate guarantee? No. Rate effective from: 10/11/2014.
      Minimum deposit: £500 (to qualify for the higher rate). Operated via: Internet or Telephone.
      Notes: A rate of 0.50% is paid on balances totalling £1 - £499.

    • Teachers BS Cash ISA (issue 5) - 1.20%
      Rate guarantee? No. Rate effective from: 14/04/2016.
      Minimum deposit: £100. Operated via: Internet or Post.


      Variable Rate Cash NISAs with withdrawal restrictions & accepting transfers in:

    • Yorkshire BS Triple Access Saver ISA - 1.35%
      Rate guarantee? No. Rate effective from: 04/03/2015.
      Minimum deposit: £100. Operated via: Branch or Post.
      Important: Up to 3 penalty-free withdrawals permitted per anniversary year.
      Chelsea BS and Barnsley BS also offer similar ISAs, see here and here.

    • Virgin Money Defined Access E-ISA (issue 6) - 1.31%
      Rate guarantee? No. Rate effective from: 10/02/2016.
      Minimum deposit: £1. Operated via: Internet.
      Important: Up to 3 penalty-free withdrawals permitted per calendar year.


      Variable Rate Cash NISAs requiring notice to be given & accepting transfers in:

      In order to withdraw from or transfer a notice cash ISA you do need to give the required number of days notice. Failing to do so, usually incurs a loss of interest penalty. If you are choosing a notice ISA please ensure you are able to meet the notice period.

    • Al Rayan Bank (formerly Islamic Bank of Britain) [120 Days' Notice] ISA - 2.00%
      Rate guarantee? No. Rate effective from: 17/01/2014.
      Minimum deposit: £250. Operated via: Branch, Internet, Post or Telephone.
      Notes: 120 days' notice of withdrawal required.

    • Holmesdale BS [90 Days' Notice] Cash ISA (issue 1) - 1.40%
      Rate guarantee? No. Rate effective from: 28/11/2014.
      Minimum deposit: £12,000 (to qualify for the higher rate). Operated via: Branch, Internet and Post.
      Notes: 90 days notice of withdrawal required. A rate of 1.30% is paid on balances totalling £8,000 - £11,999 and 1.05% on £500 - £7,999.
      Only available to residents of Surrey, Sussex, Kent, and Hampshire, and existing members before 04/04/2016.

    • National Counties BS 45 Day Notice Cash ISA (issue 4) - 1.40%
      Rate guarantee? No. Rate effective from: 14/04/2016.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet, Post or Telephone.
      Notes: 45 days' notice of withdrawal required. 1.25% is paid on balances totalling £15,000 - £29,999 and 1.15% on £3,000 - £14,999.

    • Beverley BS [30 Days' Notice] Cash ISA - 1.40%
      Rate guarantee? No. Rate effective from: 20/06/2014.
      Minimum deposit: £35,000 (to qualify for the higher rate). Operated via: Branch or Post.
      Notes: 30 days' notice of withdrawal required. 1.40% is paid on £10,000 - £34,999 and 1.30% on £1 - £9,999.



      Fixed Rate Cash NISAs that accept transfers in:

      If you are choosing a fixed rate cash ISA - do ensure that you can leave the money untouched until the ISA matures, as making a withdrawal or transferring out before maturity will usually incur a loss of interest penalty.


      1 Year Fixes:

    • Al Rayan Bank 12 Month Fixed Term Deposit Cash ISA - 1.90%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Punjab Bank Fixed Rate Cash ISA - 1.75%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Marks and Spencer Fixed Rate Savings Cash ISA - 1.40%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening date.

    • Bank of Cyprus UK Fixed Rate ISA - 1.35%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening. Bank of Cyprus UK customer of six months or more qualify for a loyalty rate of 1.45%.

    • Kent Reliance Fixed Rate Cash ISA (issue 20) - 1.35%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.


      15 Months +

    • Principality BS Fixed Rate Cash ISA (issue 149) - 1.40%
      Minimum deposit: £500.
      Notes: Fixed for 18 months from account opening date.


      2 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 1.90%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening.

    • Marsden BS Fixed Rate Cash ISA (issue 56) - 1.65%
      Minimum deposit: £35,000.
      Notes: Fixed until 31/03/2018. A rate of 1.55% is paid on balances totalling £5,000 - £34,999.

    • Coventry BS Fixed Rate ISA (35) - 1.50%
      Minimum deposit: £1.
      Notes: Fixed until 31/05/2018.

    • Bank of Cyprus UK Fixed Rate ISA - 1.50%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening. Bank of Cyprus UK customer of six months or more qualify for a loyalty rate of 1.75%.

    • Marks and Spencer Fixed Rate Savings Cash ISA - 1.50%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date.

    • Nottingham BS Fixed Rate ISA (issue 20) - 1.50%
      Minimum deposit: £500.
      Notes: Fixed until 28/02/2018.

    • Kent Reliance Fixed Rate Cash ISA (issue 20) - 1.50%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening.

    • Julian Hodge Bank Fixed Rate Savings Cash ISA - 1.50%
      Minimum deposit: £5,000.
      Notes: Fixed for two years from account opening date.

    • AA Fixed Rate ISA - 1.45%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date.

    • Virgin Money Fixed Rate Cash E-ISA (issue 176) - 1.40%
      Minimum deposit: £1.
      Notes: Fixed until 24/04/2018.
      Virgin Money also offer a branch-based ISA paying the same rate (issue 207), see here.

    • TSB Fixed Rate Cash ISA - 1.40%
      Minimum deposit: £3,000.
      Notes: Fixed for two years from account opening.


      3 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 2.30%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening.

    • State Bank of India Fixed Rate ISA - 1.80%
      Minimum deposit: £5,000.
      Notes: Fixed for three years from account opening. Linked product: new current or savings account also required.

    • United Bank UK Fixed Rate Cash ISA - 1.72%
      Minimum deposit: £2,000.
      Notes: Fixed for three years from account opening date.

    • Principality BS Fixed Rate Cash ISA (issue 150) - 1.65%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening date.

    • Bank of Cyprus UK Fixed Rate ISA - 1.60%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening. Bank of Cyprus UK customer of six months or more qualify for a loyalty rate of 1.90%.

    • Marks and Spencer Fixed Rate Savings Cash ISA - 1.60%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening date.

    • Julian Hodge Bank Fixed Rate Savings Cash ISA - 1.60%
      Minimum deposit: £5,000.
      Notes: Fixed for three years from account opening date.


      4 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 2.35%
      Minimum deposit: £1,000.
      Notes: Fixed for four years from account opening.


      5 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 2.50%
      Minimum deposit: £1,000.
      Notes: Fixed for five years from account opening.

    • United Bank UK Fixed Rate Cash ISA - 2.20%
      Minimum deposit: £2,000.
      Notes: Fixed for five years from account opening date.

    • State Bank of India Fixed Rate ISA - 2.10%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening. Linked product: new current or savings account also required. An online edition of this ISA is also available.

    • United Trust Bank Fixed Rate Cash ISA - 2.05%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening. Transfers in only.

    • Nationwide Fixed Rate ISA - 2.00%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening.

    • Halifax Fixed Rate ISA - 2.00%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening.

    • Principality BS Fixed Rate Cash ISA (issue 151) - 2.00%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening date.



      Help to Buy ISAs:

      Help to Buy ISAs are open to first time buyers. You can save up to £1,200 in the first month and then up to £200 per month thereafter. If you miss a monthly contribution you don't get penalised though you cannot make it up the next month.

      The Government will contribute a 25% tax-free top-up to the whatever balance is in your ISA at the point when you use it for a deposit. You must have saved at least £1,600 to qualify for the Government top-up and you can only receive a maximum top-up of £3,000 (on your £12,000 balance).

    • Penrith BS Help to Buy: ISA - 4.00%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch or Post.
      Notes: Open the account with a minimum of £1 up to £1,200 - this must be received within the first calendar month of account funding.

    • Santander Help to Buy: ISA - 4.00%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch, Internet, Mobile App or Telephone.
      Notes: Open the account with a minimum of £1 up to £1,200 - this must be received within the first calendar month of account funding.

    • Virgin Money Help to Buy: ISA - 3.00%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Internet.
      Notes: Open the account with a minimum of £1 up to £1,200 - this must be received within the first month.

    • Halifax Help to Buy: ISA - 2.50%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200 (by standing order to be received by the 25th of each month).
      Operated via: Branch, Internet or Telephone.
      Notes: Open the account with a minimum of £1 up to £1,200 - this must be received within 21 days of opening.

    • Nationwide Help to Buy: ISA (Split ISA option available) - 2.00%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch, Internet, Mobile App or Telephone.
      Notes: Open the account with a minimum of £1 up to £1,200 - this must be received within the first calendar month of account funding.
      Important: Allows you to contribute to another Nationwide cash ISA product at the same time, provided you don't exceed your total ISA tax-free savings allowance.


      Regular Savings Cash NISAs:

    • Nottingham BS Starter ISA (issue 6) - 3.00%
      Minimum operating deposit: £10. Min - Max monthly deposit: £1 - £1,270.
      Operated via: Branch**.
      Notes: Transfers in not accepted. Withdrawals not permitted. Monthly payment amount can be varied each month and multiple payments up to a maximum of £1,270 per month are permitted. This ISA offers a one-off opportunity to top up your account to the maximum ISA subscription limit in March 2017 (£15,240). Must be opened in branch only**.
      ISA matures on 05/04/2017.



    All rates are subject to change without notice. Please check all rates and terms before investing.

    If you can think of an NISA I have missed please do send me a PM.
    Last edited by Kazza242; 03-05-2016 at 3:20 PM. Reason: List updated...
Page 135
    • samizdat
    • By samizdat 17th Mar 12, 3:37 PM
    • 388 Posts
    • 146 Thanks
    samizdat
    ... but do Santander allow transfers from their existing ISA products? I'll take a deep breath, and call them.
    Originally posted by samizdat
    Oh, great, the Santander website confirms intra-company transfers are acceptable - no need to call them.
    • KTF
    • By KTF 17th Mar 12, 3:44 PM
    • 4,389 Posts
    • 1,775 Thanks
    KTF
    The advantage of calling them up is that they can do an instant transfer. Not sure if you can do it instantly online as I just phoned.
    • 10_66
    • By 10_66 17th Mar 12, 3:58 PM
    • 2,524 Posts
    • 951 Thanks
    10_66
    So I need to hold off applying to the AA until 23 March, or thereabouts.
    Originally posted by samizdat
    No you don't need to wait to apply. If you want to open one of these I would suggest you make the online application now, which just prompts a pre-filled in form to be sent to you. The account isn't opened until they receive the returned form and deposit cheque. At least if you do it now, you'll have the form ready to send to them to get there as soon after the bank holiday (6th April) as possible.
    • samizdat
    • By samizdat 17th Mar 12, 7:48 PM
    • 388 Posts
    • 146 Thanks
    samizdat
    No you don't need to wait to apply. If you want to open one of these I would suggest you make the online application now, which just prompts a pre-filled in form to be sent to you. The account isn't opened until they receive the returned form and deposit cheque. At least if you do it now, you'll have the form ready to send to them to get there as soon after the bank holiday (6th April) as possible.
    Originally posted by 10_66
    Actually, the thing is I already have an AA Savings account. When I applied for the ISA just now, the account was opened immediately. I was told the money would automatically come from my linked account within 10 working days, unless I opted to pay in by cheque (which I did, of course). So fingers crossed the account is kept open for new customers until 23rd.

    I suppose, if the account is withdrawn, I can just opt not to fund the account, and open another one for the 2012/13 financial year.
    • saintalan
    • By saintalan 19th Mar 12, 9:20 PM
    • 551 Posts
    • 192 Thanks
    saintalan
    Just read through the last few pages of this great thread, so consider this a sticky bump!
  • exel1966
    Oh, great, the Santander website confirms intra-company transfers are acceptable - no need to call them.
    Originally posted by samizdat
    Could you please provide a link for this as I've been trying to establish this info myself.
    • Consumerist
    • By Consumerist 20th Mar 12, 12:04 AM
    • 4,288 Posts
    • 2,139 Thanks
    Consumerist
    Could you please provide a link for this as I've been trying to establish this info myself.
    Originally posted by exel1966
    From the <Santander website>
    If you wish to transfer an existing Santander cash ISA to another Santander cash ISA simply:
    • Visit any Santander branch or call 0845 600 0181.
    Hope that's what you are looking for.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • samizdat
    • By samizdat 20th Mar 12, 12:08 AM
    • 388 Posts
    • 146 Thanks
    samizdat
    Could you please provide a link for this as I've been trying to establish this info myself.
    Originally posted by exel1966
    http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABB EYCOM&cid=1237836201044&empr=Abbeycom&leng=en_GB&p agename=Abbeycom%2FPage%2FWC_ACOM_TemplateA1

    I actually also rang up and did an internal transfer, as others advised here, so I can confirm this does work. Edit: I used 0800 587 2764 though, not the 0845 listed in the link! Edit#2: Consumerist beat me to it!
    Last edited by samizdat; 20-03-2012 at 12:12 AM.
    • Stompa
    • By Stompa 21st Mar 12, 1:48 PM
    • 7,342 Posts
    • 3,509 Thanks
    Stompa
    Cheshire BS Direct Cash ISA (issue 1) rate increasing to 3.50%

    https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=214165
    Stompa
  • Spiggle
    Good morning,

    Thanks for pointing our the increase Stompa. Makes it a very attractive account for me now.

    All the best,
    Spigs
    MFW2012 No.6 OP Target £8400/8777
    MFW2013 No.1 OP - Mortgage free October 2013
    MFiT-T3 No.11 - Clear £38,3450.50 - Mortgage free October 2013
    MF October 2013
  • DetainWino
    Bonus is 2.50% btw, nor 2.16% as stated on front page
    • Eponym
    • By Eponym 22nd Mar 12, 2:13 PM
    • 293 Posts
    • 204 Thanks
    Eponym
    Can anyone help?

    I have just over £18000 in my ISA, currently all in the Halifax 3% internet ISA whilst I look for something better.

    I would like to leave £5000 in Halifax so I continue to qualify for the prize draw but am happy to move the rest.

    I am planning to buy a house in the next few years and have few savings other than those in the ISA so would prefer an instant access account in case I need to get at the money.

    Unfortunately I don't have a lump sum to pay in as soon as I open a new account so I need one which will allow me to deposit additional sums as and when.

    Most of the ISAs on the list are either fixed rate and non-instant access, don't allow transfers in or have minimum opening deposits.

    Does anyone know if transfers in count towards the opening deposit?

    It seems like my best bet might be the Nationwide 3.1%. I'd rather not have to open the bank account with it though as I already have 3 current accounts as it is.

    Can anyone suggest one I may have missed?
    • samizdat
    • By samizdat 22nd Mar 12, 2:22 PM
    • 388 Posts
    • 146 Thanks
    samizdat
    I suppose, if the account is withdrawn, I can just opt not to fund the account, and open another one for the 2012/13 financial year.
    Originally posted by samizdat
    Cross-posting from the AA Savings account-specific thread just to say that I have spoken to another CS rep today, who reassured me that the account is not going to be withdrawn before tomorrow, which means it is viable for 2012/13 subscriptions.

    The account has been renamed the Postal Access ISA, but I was told the "postal" bit just relates to the application process, which has been changed now that we are close to the end of the financial year, and in fact the account will be capable of online operation.
    • 10_66
    • By 10_66 22nd Mar 12, 5:16 PM
    • 2,524 Posts
    • 951 Thanks
    10_66
    Cross-posting from the AA Savings account-specific thread just to say that I have spoken to another CS rep today, who reassured me that the account is not going to be withdrawn before tomorrow, which means it is viable for 2012/13 subscriptions.

    The account has been renamed the Postal Access ISA, but I was told the "postal" bit just relates to the application process, which has been changed now that we are close to the end of the financial year, and in fact the account will be capable of online operation.
    Originally posted by samizdat
    Just in case I wanted to subscribe my next financial year's allowance in this, I applied for it a couple of weeks' ago to get the application form so it was ready to post off with cheque. I wonder if it matters that my "confirmation slip" now states Internet Access ISA (I may use BM's 2 year fixed rate at 4.05% instead, just hedging my bets).
  • Spiggle
    Can anyone help?

    I have just over £18000 in my ISA, currently all in the Halifax 3% internet ISA whilst I look for something better.

    I would like to leave £5000 in Halifax so I continue to qualify for the prize draw but am happy to move the rest.

    I am planning to buy a house in the next few years and have few savings other than those in the ISA so would prefer an instant access account in case I need to get at the money.

    Unfortunately I don't have a lump sum to pay in as soon as I open a new account so I need one which will allow me to deposit additional sums as and when.

    Most of the ISAs on the list are either fixed rate and non-instant access, don't allow transfers in or have minimum opening deposits.

    Does anyone know if transfers in count towards the opening deposit?

    It seems like my best bet might be the Nationwide 3.1%. I'd rather not have to open the bank account with it though as I already have 3 current accounts as it is.

    Can anyone suggest one I may have missed?
    Originally posted by Eponym
    Hi Eponym,

    Yes, transfers in can count as your deposit so you could transfer your £13k to NatWest (but note the 3.25% doesn't kick in until 16th April if you do the transfer now), Santander or Nationwide. Apparently you do have to have another account with Nationwide but it's supposed to be easy to open the cahbuilder account as the same tmie as arranging the ISA.

    Make sure the ISA pot remaining at Halifax is redesignated to ensure their best instant access interest rate is being earned. I believe this can be done quickly over the 'phone.

    Hope that helps,
    Spigs
    MFW2012 No.6 OP Target £8400/8777
    MFW2013 No.1 OP - Mortgage free October 2013
    MFiT-T3 No.11 - Clear £38,3450.50 - Mortgage free October 2013
    MF October 2013
    • Eponym
    • By Eponym 22nd Mar 12, 7:41 PM
    • 293 Posts
    • 204 Thanks
    Eponym
    Hi Eponym,

    Yes, transfers in can count as your deposit so you could transfer your £13k to NatWest (but note the 3.25% doesn't kick in until 16th April if you do the transfer now), Santander or Nationwide. Apparently you do have to have another account with Nationwide but it's supposed to be easy to open the cahbuilder account as the same tmie as arranging the ISA.

    Make sure the ISA pot remaining at Halifax is redesignated to ensure their best instant access interest rate is being earned. I believe this can be done quickly over the 'phone.

    Hope that helps,
    Spigs
    Originally posted by Spiggle
    That helps enormously, thanks Spigs. My Halifax pot was transferred on to the 3% rate a few weeks ago so I'm covered there.

    As far as I understand it, eacch of the Natwest, Santander and Nationwide accounts will allow money to be added in dribs and drab throughout the year, is that correct?
    • Kazza242
    • By Kazza242 22nd Mar 12, 7:54 PM
    • 1,881 Posts
    • 2,388 Thanks
    Kazza242
    Latest updates to the ISAs list on page one
    Here are the latest updates to the ISAs list on page one.

    Principality Building Society have launched issue 3 of their popular e-ISA, now paying an improved rate of 3.10% on balances of £1+. The rate includes a 1.30% bonus for 12 months from account opening. It allows transfers in of ISAs held with other providers.

    I added the Cheshire BS Direct Cash ISA improved rate earlier this week. It pays 3.50% (increased from the previous rate of 3.35%). It does not accept transfers in. The rate includes a 2.50% bonus until 30/09/2013.

    The AA have launched a new Postal Access ISA, paying 3.50%. It has a minimum opening deposit of £2,500 and replaces the Internet Access ISA, which has been withdrawn. The Postal Access ISA does not accept transfers in and the rate includes a 3.00% bonus for 12 months from the account opening date.

    Saga have launched a new one year fixed rate ISA, paying 3.60%. It is available to those aged 50 or over only. It doesn't accept transfers in. It has a minimum opening deposit of just £1.
    Please call me 'Kazza'.
  • Spiggle
    ... As far as I understand it, eacch of the Natwest, Santander and Nationwide accounts will allow money to be added in dribs and drab throughout the year, is that correct?
    Originally posted by Eponym
    Yes, you have it right Eponym.

    Also Kazza has updated the list on the first page and a new Principality easy access ISA at 3.1% has been added. You don't need any extra account with it and it is an online only account that accepts transfers in and you can continue to subscribe new money throughout the year up to the £5,640 maximum allowance.

    Hope that helps,
    Spigs
    MFW2012 No.6 OP Target £8400/8777
    MFW2013 No.1 OP - Mortgage free October 2013
    MFiT-T3 No.11 - Clear £38,3450.50 - Mortgage free October 2013
    MF October 2013
    • Eponym
    • By Eponym 23rd Mar 12, 12:57 PM
    • 293 Posts
    • 204 Thanks
    Eponym
    Yes, you have it right Eponym.

    Also Kazza has updated the list on the first page and a new Principality easy access ISA at 3.1% has been added. You don't need any extra account with it and it is an online only account that accepts transfers in and you can continue to subscribe new money throughout the year up to the £5,640 maximum allowance.

    Hope that helps,
    Spigs
    Originally posted by Spiggle
    Thanks! I think the Santander 3.3% will be the best option given that transfers in count towards the opening deposit.
    • jonmcclelland
    • By jonmcclelland 23rd Mar 12, 8:06 PM
    • 106 Posts
    • 935 Thanks
    jonmcclelland
    Cheshire BS Direct Cash ISA (issue 1) rate increasing to 3.50%

    https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=214165
    Originally posted by Stompa
    I am really interested in opening with the Cheshire for 12/13 yet can only see opening information for this current tax year with the minimum opening allowance.

    Can this account be opened with next years tax allowance in mind, say with a post-dated cheque (6th April) as I've already subscribed fully this year?
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