Main site > MoneySavingExpert.com Forums > Essential Money > Savings & Investments > ISAs & Tax-free Savings > Mini Cash ISAs: The Best ISAs currently available... (Page 135)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Mini Cash ISAs: The Best ISAs currently available List
Reply
Views: 751,595
Thread Tools Search this Thread Display Modes
# 2681
samizdat
Old 17-03-2012, 3:37 PM
MoneySaving Stalwart
 
Join Date: Apr 2006
Posts: 375
Default

Quote:
Originally Posted by samizdat View Post
... but do Santander allow transfers from their existing ISA products? I'll take a deep breath, and call them.
Oh, great, the Santander website confirms intra-company transfers are acceptable - no need to call them.
samizdat is offline
Reply With Quote Report Post
The Following User Says Thank You to samizdat For This Useful Post: Show me >>
# 2682
KTF
Old 17-03-2012, 3:44 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2004
Posts: 4,182
Default

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.
KTF is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to KTF For This Useful Post: Show me >>
# 2683
10_66
Old 17-03-2012, 3:58 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Posts: 2,458
Default

Quote:
Originally Posted by samizdat View Post
So I need to hold off applying to the AA until 23 March, or thereabouts.
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.
10_66 is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to 10_66 For This Useful Post: Show me >>
# 2684
samizdat
Old 17-03-2012, 7:48 PM
MoneySaving Stalwart
 
Join Date: Apr 2006
Posts: 375
Default

Quote:
Originally Posted by 10_66 View Post
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.
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.
samizdat is offline
Reply With Quote Report Post
The Following User Says Thank You to samizdat For This Useful Post: Show me >>
# 2685
saintalan
Old 19-03-2012, 9:20 PM
MoneySaving Stalwart
 
Join Date: Jan 2007
Location: Windsor
Posts: 403
Default

Just read through the last few pages of this great thread, so consider this a sticky bump!
saintalan is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to saintalan For This Useful Post: Show me >>
# 2686
exel1966
Old 19-03-2012, 9:52 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: May 2005
Posts: 4,819
Default

Quote:
Originally Posted by samizdat View Post
Oh, great, the Santander website confirms intra-company transfers are acceptable - no need to call them.
Could you please provide a link for this as I've been trying to establish this info myself.
exel1966 is offline
Reply With Quote Report Post
The Following User Says Thank You to exel1966 For This Useful Post: Show me >>
# 2687
Consumerist
Old 20-03-2012, 12:04 AM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: May 2008
Posts: 3,357
Default

Quote:
Originally Posted by exel1966 View Post
Could you please provide a link for this as I've been trying to establish this info myself.
From the <Santander website>
Quote:
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.
Consumerist is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to Consumerist For This Useful Post: Show me >>
# 2688
samizdat
Old 20-03-2012, 12:08 AM
MoneySaving Stalwart
 
Join Date: Apr 2006
Posts: 375
Default

Quote:
Originally Posted by exel1966 View Post
Could you please provide a link for this as I've been trying to establish this info myself.
http://www.santander.co.uk/csgs/Sate...COM_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.
samizdat is offline
Reply With Quote Report Post
The Following 2 Users Say Thank You to samizdat For This Useful Post: Show me >>
# 2689
Stompa
Old 21-03-2012, 1:48 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Sep 2004
Posts: 6,985
Default

Cheshire BS Direct Cash ISA (issue 1) rate increasing to 3.50%

https://www.emoneyfacts.co.uk/news/s...ticleid=214165
Stompa
Stompa is offline
Reply With Quote Report Post
The Following 4 Users Say Thank You to Stompa For This Useful Post: Show me >>
# 2690
Spiggle
Old 22-03-2012, 9:04 AM
Serious MoneySaving Fan
 
Join Date: Sep 2009
Location: South Wales coast
Posts: 1,717
Default

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
Spiggle is offline
Reply With Quote Report Post
# 2691
DetainWino
Old 22-03-2012, 9:23 AM
MoneySaving Convert
 
Join Date: Feb 2012
Posts: 21
Default

Bonus is 2.50% btw, nor 2.16% as stated on front page
DetainWino is offline
Reply With Quote Report Post
The Following User Says Thank You to DetainWino For This Useful Post: Show me >>
# 2692
Eponym
Old 22-03-2012, 2:13 PM
MoneySaving Stalwart
 
Join Date: Mar 2011
Posts: 282
Default

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?
Eponym is offline
Reply With Quote Report Post
The Following User Says Thank You to Eponym For This Useful Post: Show me >>
# 2693
samizdat
Old 22-03-2012, 2:22 PM
MoneySaving Stalwart
 
Join Date: Apr 2006
Posts: 375
Default

Quote:
Originally Posted by samizdat View Post
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.
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.
samizdat is offline
Reply With Quote Report Post
# 2694
10_66
Old 22-03-2012, 5:16 PM
Fantastically Fervent MoneySaving Super Fan
 
Join Date: Jul 2007
Posts: 2,458
Default

Quote:
Originally Posted by samizdat View Post
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.
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).
10_66 is offline
Reply With Quote Report Post
# 2695
Spiggle
Old 22-03-2012, 7:07 PM
Serious MoneySaving Fan
 
Join Date: Sep 2009
Location: South Wales coast
Posts: 1,717
Default

Quote:
Originally Posted by Eponym View Post
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?
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
Spiggle is offline
Reply With Quote Report Post
The Following User Says Thank You to Spiggle For This Useful Post: Show me >>
# 2696
Eponym
Old 22-03-2012, 7:41 PM
MoneySaving Stalwart
 
Join Date: Mar 2011
Posts: 282
Default

Quote:
Originally Posted by Spiggle View Post
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
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?
Eponym is offline
Reply With Quote Report Post
The Following User Says Thank You to Eponym For This Useful Post: Show me >>
# 2697
Kazza242
Old 22-03-2012, 7:54 PM
Serious MoneySaving Fan
 
Join Date: Apr 2004
Location: Fetching the dogs dinner, while he cools himself down...
Posts: 1,848
Arrow 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'.
Kazza242 is offline
Reply With Quote Report Post
The Following 9 Users Say Thank You to Kazza242 For This Useful Post: Show me >>
# 2698
Spiggle
Old 23-03-2012, 8:47 AM
Serious MoneySaving Fan
 
Join Date: Sep 2009
Location: South Wales coast
Posts: 1,717
Default

Quote:
Originally Posted by Eponym View Post
... 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?
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
Spiggle is offline
Reply With Quote Report Post
The Following User Says Thank You to Spiggle For This Useful Post: Show me >>
# 2699
Eponym
Old 23-03-2012, 12:57 PM
MoneySaving Stalwart
 
Join Date: Mar 2011
Posts: 282
Default

Quote:
Originally Posted by Spiggle View Post
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
Thanks! I think the Santander 3.3% will be the best option given that transfers in count towards the opening deposit.
Eponym is offline
Reply With Quote Report Post
The Following User Says Thank You to Eponym For This Useful Post: Show me >>
# 2700
jonmcclelland
Old 23-03-2012, 8:06 PM
MoneySaving Convert
 
Join Date: Mar 2012
Posts: 106
Default

Quote:
Originally Posted by Stompa View Post
Cheshire BS Direct Cash ISA (issue 1) rate increasing to 3.50%

https://www.emoneyfacts.co.uk/news/s...ticleid=214165
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?
jonmcclelland is offline
Reply With Quote Report Post
The Following User Says Thank You to jonmcclelland For This Useful Post: Show me >>
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 8:01 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 22 October 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • ED SHEERANX (DELUXE EDITION)
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)
  • STATUS QUOAQUOSTIC (STRIPPED BARE)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.