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  • FIRST POST
    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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2015/16 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):

    • NS&I Direct ISA - 1.50%
      Rate guarantee? No. Rate effective from: 27/02/2014.
      Minimum deposit: 1+. Operated via: Internet or Telephone.



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

    • Melton Mowbray BS [100 Days' Notice] Cash ISA - 2.10%
      Rate guarantee? No. Rate effective from: 01/03/2013.
      Minimum deposit: 25. Operated via: Branch.
      Notes: 100 days' notice of withdrawal required.
      Important: Available to existing members of The Society of 5 years or more only.

    • Hinckley & Rugby [120 Days' Notice] Cash ISA (issue 2) - 1.60%
      Rate guarantee? No. Rate effective from: 06/04/2013.
      Minimum deposit: 500. Operated via: Branch or Post.
      Notes: 120 days' notice of withdrawal required.

    • 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.

    • Teachers BS [90 Days' Notice] Cash ISA Notice 90 (issue 5) - 1.50%
      Rate guarantee? No. Rate effective from: 10/11/2014.
      Minimum deposit: 100. Operated via: Internet 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: 9,000 (to qualify for the higher rate). Operated via: Branch or Post.
      Notes: 1.00% is paid on balances 1 - 8,999.
      Important: 40 days' notice of withdrawal required.
      Clydesdale Bank offer an ISA with similar terms, see here.


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


      1 Year Fixes:

    • Holmesdale BS Cash ISA Fixed Rate Bond (issue 1) - 1.60%
      Minimum deposit: 5,000.
      Notes: Fixed for one year from account opening.


      4 Year Fixes:

    • Coventry BS Fixed Rate ISA 27 - 2.10%
      Minimum deposit: 1.
      Notes: Fixed until 31/05/2019.


      5 Year Fixes:

    • Coventry BS Fixed Rate ISA 30 - 2.30%
      Minimum deposit: 1.
      Notes: Fixed until 31/05/2020.



      Variable Rate Cash NISAs that accept transfers in:

    • Punjab Bank Variable Rate Cash ISA - 2.00%
      Rate guarantee? No. Rate effective from: 01/04/2014.
      Minimum deposit: 1. Operated via: Branch.

    • HSBC Loyalty Cash ISA - 1.60%
      Rate guarantee? No. Rate effective from: 19/02/2014.
      Minimum deposit: 1. Operated via: Branch, Internet or Telephone.
      Notes: Available to HSBC Premier current account customers only. HSBC Advance account customers can apply for a 1.50% Loyalty Cash ISA.

    • Nationwide Flexclusive ISA (issue 9) - 1.60%
      Rate guarantee? TBC. Rate effective from: 01/05/2015.
      Minimum deposit: 1+. Operated via: Internet.
      Notes: Only available to FlexAccount customers who have paid in at least 750 a month (excluding internal transfers) for the last three months or customers switching to a Nationwide current account (including those that have done so in the last 4 months) or FlexDirect or FlexPlus account customers.

    • Danske Bank Cash ISA - 1.60% w.e.f. 01/06/2015
      Rate guarantee? No. Rate effective from: 06/04/2013.
      Minimum deposit: 30,000 (to qualify for the higher rate). Operated via: Branch, Internet or Post.
      Notes: From 01/06/2015 0.40% will be paid on balances totalling 1 - 29,999.

    • First Direct Cash ISA - 1.50%
      Rate guarantee? No. Rate effective from: 16/10/2014.
      Minimum deposit: 30,000+ (to qualify for the higher rate). Operated via: Internet, Post or Telephone.
      Notes: A rate of 1.40% is be paid on balances between 15,000 - 29,999 and 1.30% on 1 - 14,999. You must hold a First Direct 1st Account to apply.

    • Barclays Instant Cash ISA (issue 1) - 1.49%
      Rate guarantee? No. Rate effective from: 04/06/2013.
      Minimum deposit: 30,000 (to qualify for the higher rate). Operated via: Branch (or Internet or Telephone for existing customers registered for Barclays online or telephone banking).
      Notes: A rate of 1.39% is paid on balances totalling 15,000 - 29,999 and 1.29% on 1 - 14,999.

    • First Trust Bank Cash ISA - 1.45%
      Rate guarantee? No. Rate effective from: 07/04/2014.
      Minimum deposit: 50,000 (to qualify for the higher rate). Operated via: Branch.
      Notes: A rate of 1.20% is paid on balances totalling 35,000 - 49,999, 1.05% 15,000 - 34,999, 0.75% 5,000 - 14,999 and 0.25% 1 - 4,999.


      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 - 2.02%
      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.

    • National Counties BS 45 Day Notice Cash ISA (issue 3) - 1.60%
      Rate guarantee? No. Rate effective from: 11/08/2014.
      Minimum deposit: 30,000 (to qualify for the higher rate). Operated via: Branch, Internet, Post or Telephone.
      Notes: 45 days' notice of withdrawal required. A rate of 1.45% is paid on 15,000 - 29,999 and 1.30% on 3,000 - 14,999.

    • Dudley BS [30 Days' Notice] Cash ISA 30 - 1.50%
      Rate guarantee? No. Rate effective from: 12/11/2013.
      Minimum deposit: 100. Operated via: Branch or Post.
      Notes: 30 days' notice of withdrawal required.

    • Beverley BS [30 Days' Notice] Cash ISA - 1.50%
      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. A rate of 1.40% is paid on 10,000 - 34,999 and 1.30% on 1 - 9,999.

    • Marsden BS Cash ISA 30 (issue 3) - 1.50%
      Rate guarantee? No. Rate effective from: 01/02/2014.
      Minimum deposit: 35,000 (to qualify for the higher rate). Operated via: Branch.
      Notes: 30 days' notice of withdrawal required. Restricted to locals only. A rate of 1.40% is paid on 10,000 - 34,999 and 1.30% on 100 - 9,999.



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

      N/A


      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 - 1.90%
      Minimum deposit: 1,000.
      Notes: Fixed for one year from account opening.

    • Holmesdale BS Cash NISA Fixed Rate ISA Bond (issue 1) - 1.65%
      Minimum deposit: 5,000.
      Notes: Fixed for one year from account opening. Only available to investors who have been a member of the Society since 01/01/2014.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 5) - 1.60%
      Minimum deposit: 5,000.
      Notes: Fixed for one year from account opening date.

    • Julian Hodge Bank Fixed Rate ISA - 1.60%
      Minimum deposit: 5,940.
      Notes: Fixed for one year from account opening.

    • Skipton BS Fixed Rate Cash ISA - 1.62%
      Minimum deposit: 500.
      Notes: Fixed for one year from account opening date.

    • Virgin Money Fixed Rate Cash E-ISA (issue 118) - 1.60%
      Minimum deposit: 1+.
      Notes: Fixed until 24/05/2016.
      Virgin Money also offer a branch and postal ISA (issue 145) with the same rate, see here.

    • Post Office Fixed Rate Cash ISA (issue 15) - 1.60%
      Minimum deposit: 500.
      Notes: Fixed for one year from account opening.

    • Aldermore Fixed Rate ISA - 1.60%
      Minimum deposit: 1,000.
      Notes: Fixed for one year from account opening.


      14 Months+ Fixes:

    • Halifax ISA Saver Fixed - 1.30%
      Minimum deposit: 500.
      Notes: Fixed for 18 months from account opening.


      2 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 2.15%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening.

    • Marsden BS Fixed Rate Cash ISA (issue 42) - 2.00%
      Minimum deposit: 35,000 (to qualify for the higher rate).
      Notes: Fixed for two years from account opening. 1.75% is paid on balances totalling 5,000 - 34,999.

    • Bank of Cyprus UK Fixed Rate Cash ISA - 1.85%
      Minimum deposit: 500.
      Notes: Fixed for two years from account opening. Available to existing customers of 6 months or more.

    • Aldermore Fixed Rate ISA - 1.85%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening.

    • Julian Hodge Bank Fixed Rate ISA - 1.85%
      Minimum deposit: 5,000.
      Notes: Fixed for two years from account opening.

    • Skipton BS Fixed Rate Cash ISA - 1.80%
      Minimum deposit: 500.
      Notes: Fixed for two years from account opening date.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 6) - 1.75%
      Minimum deposit: 5,000.
      Notes: Fixed for two years from account opening date.


      3 Year Fixes:

    • Clydesdale Bank Cash ISA Fixed Rate Bond Private (issue 2) - 2.65%
      Minimum deposit: 2,000.
      Notes: Fixed until 31/08/2018. Available to Private Banking customers via Private Relationship Manager only.
      Yorkshire Bank also offer a similar ISA, see here.

    • State Bank of India 1000 Days Cash ISA Fixed Deposit - 2.30%
      Minimum deposit: 5,000.
      Notes: Fixed for a 1000 day term from account opening. Linked product: new current or savings account also required.

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

    • Bank of Cyprus UK Fixed Rate Cash ISA - 2.10%
      Minimum deposit: 500.
      Notes: Fixed for three years from account opening. Available to existing customers of 6 months or more.

    • Metro Bank Fixed Rate ISA - 2.00%
      Minimum deposit: 1.
      Notes: Fixed for three years from account opening.

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

    • Aldermore Fixed Rate ISA - 2.00%
      Minimum deposit: 1,000.
      Notes: Fixed for three years from account opening.

    • Skipton BS Fixed Rate Cash ISA - 1.95%
      Minimum deposit: 500.
      Notes: Fixed for three years from account opening date.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 2) - 1.95%
      Minimum deposit: 5,000.
      Notes: Fixed for three years from account opening date.

    • Virgin Money Fixed Rate Cash E-ISA (issue 120) - 1.90%
      Minimum deposit: 1.
      Notes: Fixed until 24/06/2018.
      Virgin Money also have another fixed rate ISA (issue 147), see here.

    • Norwich & Peterborough Fixed Rate Cash ISA - 1.90%
      Minimum deposit: 100.
      Notes: Fixed for three years from account opening.

    • Yorkshire BS Fixed Rate Cash ISA - 1.90%
      Minimum deposit: 100.
      Notes: Fixed until 31/05/2018.
      Chelsea and Barnsley Building Societies also have ISAs with the same rate and similar terms, see here and here.


      4 Year Fixes:

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


      5 Year Fixes:

    • Punjab Bank Fixed Rate Cash ISA - 2.70%
      Minimum deposit: 1,000.
      Notes: Fixed for five years from account opening.

    • State Bank of India Fixed Rate ISA - 2.50%
      Minimum deposit: 5,000.
      Notes: Fixed for five years from account opening. Linked product: new current or savings account also required.

    • United Trust Bank Fixed Rate ISA - 2.30%
      Minimum deposit: 5,000.
      Notes: Fixed for five years from account opening. Accepts transfers in only.

    • Metro Bank Fixed Rate ISA - 2.25%
      Minimum deposit: 1.
      Notes: Fixed for five years from account opening.

    • Julian Hodge Bank Fixed Rate Cash ISA - 2.25%
      Minimum deposit: 5,000.
      Notes: Fixed for five years from account opening date.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 1) - 2.25%
      Minimum deposit: 5,000.
      Notes: Fixed for five years from account opening date.

    • Principality BS Fixed Rate ISA (issue 137) - 2.20%
      Minimum deposit: 500.
      Notes: Fixed for five years from account opening.



      Regular Savings Cash NISAs:

    • Nottingham BS [Regular Saver] Starter ISA (issue 5) - 3.00%
      Minimum deposit: 10. Min - Max monthly deposit: 1 - 1,270.
      Operated via: Branch.
      Notes: Fixed term which ends on 05/04/2016. No withdrawals permitted before maturity.

    • Nationwide Regular Saver ISA - 2.01%
      Minimum deposit: 1. Min - Max monthly deposit: 1 - 1,270.
      Operated via: Branch or Internet.
      Notes: Fixed until 01/04/2016. Transfers to an Instant ISA Saver on maturity. Unlimited withdrawals permitted before maturity.


    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; 23-05-2015 at 5:08 PM. Reason: List updated...
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