Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,889Posts
    • 2,420Thanks
    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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 £20,000 for the 2017/18 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 - 1.55%
      Rate guarantee? No. Rate effective from: 04/10/2016.
      Minimum deposit: £1. Operated via: Branch or Post.
      Notes: Available to existing customers holding an ISA with the Society before the tax year 2010/11, (1.35% is paid to customers holding an ISA in tax years 2010/11 & 2011/12 and 1.15% for tax years 2012/13 & 2013/14 and 1.05% for 2014/15 & 2015/16).

    • The Melton BS Cash ISA - 1.00%
      Rate guarantee? No. Rate effective from: 01/08/2017.
      Minimum deposit: £25. Operated via: Branch or Post.

    • Skipton BS Online Bonus Cash ISA (issue 7) - 0.90%
      Rate guarantee? No. Rate effective from: 01/03/2017.
      Minimum deposit: £1. Operated via: Internet.
      Important: Rate includes 0.25% bonus for 12 months.

    • Skipton BS Bonus Cash ISA (issue 7) - 0.90%
      Rate guarantee? No. Rate effective from: 01/03/2017.
      Minimum deposit: £1. Operated via: Branch or Post.
      Important: Rate includes 0.25% bonus for 12 months.


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

    • Melton Mowbray BS [60 Days' Notice] Cash ISA - 1.30%
      Rate guarantee? No. Rate effective from: 01/05/2016.
      Minimum deposit: £25. Operated via: Branch or Post
      Notes: 60 days' notice of withdrawal required. Available to existing members (of the Society of 5 years or more) and or locals living in Leicestershire, Lincolnshire, Nottinghamshire or Rutland.

    • Earl Shilton BS [90 Days' Notice] Cash ISA - 1.15%
      Rate guarantee? No. Rate effective from: 01/11/2016.
      Minimum deposit: £10. Operated via: Branch 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:

    • Paragon Bank Limited Edition Easy Access Cash ISA - 1.05%
      Rate guarantee? No. Rate effective from: 10/02/2017.
      Minimum deposit: £1. Operated via: Internet.
      Notes: Available to existing customers only.

    • Coventry BS Easy Access Cash ISA 5 - 1.05%
      Rate guarantee? No. Rate effective from: 23/03/2017.
      Minimum deposit: £1. Operated via: Branch, Internet, Post or Telephone.

    • Post Office Online ISA Easy Access (issue 9) - 0.90%
      Rate guarantee? No. Rate effective from: 27/01/2017.
      Minimum deposit: £1. Operated via: Internet.

    • AA Easy Access ISA (issue 9) - 0.86%
      Rate guarantee? No. Rate effective from: 03/03/2017.
      Minimum deposit: £1. Operated via: Internet.

    • Family BS Market Tracker Cash ISA Account (2) - 0.86%
      Rate guarantee? No. Rate effective from: 01/04/2017.
      Minimum deposit: £500. Operated via: Internet, Post or Telephone.

    • Sainsbury's Bank Cash ISA - 0.85%
      Rate guarantee? No. Rate effective from: 26/01/2017.
      Minimum deposit: £500. Operated via: Internet or Telephone.

    • First Trust Bank (NI) Cash ISA - 0.85%
      Rate guarantee? No. Rate effective from: 09/01/2017.
      Minimum deposit: £35,000 (to qualify for the higher rate). Operated via: Branch, Internet, Mobile App or Post.
      Notes: 0.45% is paid on balances totalling £1 - £34,999.


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

    • Leeds BS Rainy Day ISA (issue 3) - 0.90%
      Rate guarantee? No. Rate effective from: 06/10/2016.
      Minimum deposit: £50,000 (to qualify for the higher rate). Operated via: Branch or Post.
      Notes: Up to 6 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.

    • Alrayan Bank 60 Day Notice Cash ISA) - 1.00%
      Rate guarantee? No. Rate effective from: 16/03/2017.
      Minimum deposit: £250. Operated via: Branch, Internet, Mobile App, Post or Telephone.
      Notes: 60 days' notice of withdrawal required.

    • National Counties BS 45 Day Notice Cash ISA (issue 5) - 1.00%
      Rate guarantee? No. Rate effective from: 27/03/2017.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet, Post or Telephone.
      Notes: 45 days' notice of withdrawal required. 0.85% is paid on balances totalling £15,000 - £29,999 and 0.75% on £3,000 - £14,999.
      Available to National Counties customers as at 01/12/2016 only.



      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:

    • Yorkshire BS Fixed Rate ISA - 1.10%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2018.

    • Chelsea BS Fixed Rate ISA - 1.10%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2018.

    • Norwich & Peterborough BS Fixed Rate ISA - 1.10%
      Minimum deposit: £100.
      Notes: Fixed for one year from account opening.

    • Bank of Cyprus UK Fixed Rate ISA - 1.10%
      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 1.12%.

    • Al Rayan Bank 12 Month Fixed Term Deposit Cash ISA - 1.09%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.


      14 Month Fixes:

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

    • Coventry Fixed Rate ISA 38 - 1.10%
      Minimum deposit: £1.
      Notes: Fixed until 30/11/2018.

    • Skipton BS Fixed Rate Cash ISA - 1.10%
      Minimum deposit: £500.
      Notes: Fixed for 18 months from account opening date.


      2 Year Fixes:

    • Darlington BS Fixed Rate Cash ISA 4 - 1.25%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening. Available to locals only (Postcode areas DL, DH, SR, TS, YO and HG.)

    • Yorkshire BS Fixed Rate ISA - 1.25%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2019.

    • Chelsea BS Fixed Rate ISA - 1.25%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2019.

    • Paragon Bank Fixed Rate Cash ISA - 1.20%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.

    • Skipton BS Fixed Rate Cash ISA - 1.20%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.

    • Skipton BS Online Fixed Rate Cash ISA - 1.20%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.

    • Cambridge BS Fixed Rate ISA (issue 18) - 1.20%
      Minimum deposit: £50,000.
      Notes: Fixed for two years from account opening. Available to existing members only. A rate of 1.10% is paid on balances from £20,000 - £49,999 and 1.00% from £500 - £19,999.


      3 Year Fixes:

    • Principality BS Fixed Rate Cash ISA (issue 169) - 1.85%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • Paragon Bank Fixed Rate Cash ISA - 1.40%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • Coventry Fixed Rate ISA 39 - 1.40%
      Minimum deposit: £1.
      Notes: Fixed until 31/05/2020.

    • Yorkshire BS Fixed Rate ISA - 1.35%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2020.

    • Chelsea BS Fixed Rate ISA - 1.35%
      Minimum deposit: £100.
      Notes: Fixed until 30/04/2020.

    • Skipton BS Fixed Rate Cash ISA - 1.30%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • Skipton BS Online Fixed Rate Cash ISA - 1.30%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • United Bank UK Fixed Rate Cash ISA - 1.30%
      Minimum deposit: £2,000.
      Notes: Fixed for three years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 225) - 1.25%
      Minimum deposit: £1.
      Notes: Fixed until 24/03/2020.

    • Virgin Money Fixed Rate Cash ISA (issue 258) - 1.25%
      Minimum deposit: £1.
      Notes: Fixed until 15/03/2020.

    • Metro Bank Fixed Rate Cash ISA - 1.20%
      Minimum deposit: £1.
      Notes: Fixed for three years from account opening.

    • Leeds BS Fixed Rate ISA (issue 49) - 1.20%
      Minimum deposit: £100.
      Notes: Fixed until 31/04/2020.

    • Julian Hodge Bank Fixed Rate ISA - 1.20%
      Minimum deposit: £5,000.
      Notes: Fixed for three years from account opening.


      4 Year Fixes:

    • United Trust Bank Fixed Rate Cash ISA - 1.65%
      Minimum deposit: £5,000.
      Notes: Fixed for four years from account opening. Transfers in only.

    • Julian Hodge Bank Fixed Rate ISA - 1.40%
      Minimum deposit: £5,000.
      Notes: Fixed for four years from account opening.


      5 Year Fixes:

    • Principality BS Fixed Rate Cash ISA (issue 170) - 1.95%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening.

    • United Trust Bank Fixed Rate Cash ISA - 1.85%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening. Transfers in only.

    • Paragon Bank Fixed Rate Cash ISA - 1.75%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening.

    • Coventry BS Fixed Rate ISA (40) - 1.70%
      Minimum deposit: £500.
      Notes: Fixed until 31/05/2022.

    • Virgin Money Fixed Rate Cash E-ISA (issue 226) - 1.65%
      Minimum deposit: £1.
      Notes: Fixed until 24/03/2022.

    • Virgin Money Fixed Rate Cash ISA (issue 259) - 1.65%
      Minimum deposit: £1.
      Notes: Fixed until 15/03/2022.

    • United Bank UK Fixed Rate Cash ISA - 1.65%
      Minimum deposit: £2,000.
      Notes: Fixed for five years from account opening.

    • Cambridge BS Fixed Rate ISA (issue 8) - 1.60%
      Minimum deposit: £50,000.
      Notes: Fixed for five years from account opening. Available to existing members only. A rate of 1.50% is paid on balances from £20,000 - £49,999 and 1.40% from £500 - £19,999.

    • Leeds BS Fixed Rate ISA (issue 61) - 1.60%
      Minimum deposit: £100.
      Notes: Fixed until 03/05/2022.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 6) - 1.60%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening.

    • Metro Bank Fixed Rate Cash ISA - 1.50%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening.

    • Nationwide BS Fixed Rate ISA - 1.50%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening.



      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 - 3.00%
      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.
      It is available only available to those living in Cumbria only.

    • Tipton & Coseley BS Help to Buy: ISA - 2.75%
      Minimum deposit: £10. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch or Post.
      Notes: Open the account with a minimum of £10 up to £1,200 - this must be received within the first month of account opening.

    • Darlington BS Help to Buy: ISA - 2.55%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch Agency 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.
      To open this ISA, you must also be living in the Society’s local postcode operating area (DL, DH, SR, TS, YO or HG).

    • Barclays Help to Buy: ISA - 2.27%
      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.

    • Buckinghamshire BS Help to Buy: ISA (issue 2) - 2.25%
      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 month of account opening.



      Regular Savings Cash NISAs:

    • Nottingham BS [Regular Saver] Starter ISA (issue 7) - 2.25%
      Minimum deposit: £10. Min - Max monthly deposit: £10 - £1,600 (customers can deposit up to £2,400 during the first month their account is open).
      Operated via: Branch.
      Deposits: You can make an unlimited number of deposits as long as the total amount invested does not exceed £1,600 per calendar month, except in March 2018 when the balance can be made up to £20,000.
      Withdrawals: No withdrawals permitted.
      Important: Can only be opened in branch.



    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; 06-04-2017 at 4:46 PM. Reason: List updated...
Page 135
    • samizdat
    • By samizdat 17th Mar 12, 3:37 PM
    • 395 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
    • 4,503 Posts
    • 1,836 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
    • 2,586 Posts
    • 968 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
    • 395 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
    • By exel1966 19th Mar 12, 9:52 PM
    • 4,816 Posts
    • 11,861 Thanks
    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
    • 4,556 Posts
    • 2,245 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
    • 395 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
    • 7,522 Posts
    • 3,626 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
    • 298 Posts
    • 208 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
    • 395 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
    • 2,586 Posts
    • 968 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
    • 298 Posts
    • 208 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
    • 1,889 Posts
    • 2,420 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
    • 298 Posts
    • 208 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?
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

3,862Posts Today

8,771Users online

Martin's Twitter
  • RT @EmmaDark30: @MartinSLewis off on holiday next month all paid for with free cash for switching bank accounts! Thank you!

  • MSE weekly email: Big Energy Switch 7, £5 Next/Zara etc, buy euros now?, 10xNectar, 2for1 gardens, urgent easyjet https://t.co/bS4J70hBbx

  • Today's Twitter poll 2: following on, which of these professions would you trust least if you were using their services?

  • Follow Martin