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  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,891Posts
    • 2,438Thanks
    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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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.
      Notes: Available to residents of Leicestershire, Nottinghamshire, Lincolnshire or Rutland or to customers who have been members with the Society for 5 years or more.


      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.

    • Hinckley and Rugby BS 120 Day Notice Cash ISA - 1.20%
      Rate guarantee? No. Rate effective from: 20/04/2017.
      Minimum deposit: £500. Operated via: Branch or Post.
      Notes: 120 days' notice of withdrawal required.

    • 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:

    • Charter Savings Bank Easy Access Cash ISA - 1.02%
      Rate guarantee? No. Rate effective from: 27/07/2017.
      Minimum deposit: £1,000. Operated via: Internet.

    • Post Office Online ISA Easy Access (issue 10) - 1.01%
      Rate guarantee? No. Rate effective from: 13/04/2017.
      Minimum deposit: £100. Operated via: Internet.

    • Ford Money Flexible Cash ISA - 1.00%
      Rate guarantee? No. Rate effective from: 28/04/2017.
      Minimum deposit: £1. Operated via: Internet.
      Notes: You can replace any cash you withdraw from your ISA within the same tax year without it counting towards your annual ISA allowance.

    • Tesco Instant Access Cash ISA - 0.97%
      Rate guarantee? No. Rate effective from: 14/06/2017.
      Minimum deposit: £1. Operated via: Internet or Telephone.

    • AA Easy Access ISA (issue 11) - 0.95%
      Rate guarantee? No. Rate effective from: 19/05/2017.
      Minimum deposit: £1. Operated via: Internet.


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

    • Virgin Money Defined Access E-ISA (issue 14) - 1.01%
      Rate guarantee? No. Rate effective from: 13/07/2017.
      Minimum deposit: £1. Operated via: Internet.
      Notes: Up to 3 penalty-free withdrawals permitted per calendar year.

    • 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.

    • Al Rayan Bank 120 Day Notice Cash ISA - 1.20%
      Rate guarantee? No. Rate effective from: 31/05/2017.
      Minimum deposit: £250. Operated via: Branch, Internet, Mobile App, Post or Telephone.
      Notes: 120 days' notice of withdrawal required.

    • Al Rayan 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: 24/05/2017.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet, Post or Telephone.
      Notes: 45 days' notice of withdrawal required. 0.90% is paid on balances totalling £15,000 - £29,999 and 0.80% 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:

    • Charter Savings Bank Fixed Rate Cash ISA - 1.30%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Bank of Cyprus Fixed Rate ISA - 1.24%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening date. Available to existing customers of 6 months or more only.

    • Bank of Cyprus Fixed Rate ISA - 1.22%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening date. Available to all.

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

    • Al Rayan Bank 12 Month Fixed Term Deposit Cash ISA - 1.15%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.


      14 Month Fixes:

      N/A


      2 Year Fixes:

    • Charter Savings Bank Fixed Rate Cash ISA - 1.41%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening.

    • United Bank UK Fixed Rate Cash ISA - 1.36%
      Minimum deposit: £2,000.
      Notes: Fixed for two years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 256) - 1.35%
      Minimum deposit: £1.
      Notes: Fixed until 24/08/2019.

    • Virgin Money Fixed Rate Cash ISA (issue 287) - 1.35%
      Minimum deposit: £1.
      Notes: Fixed until 15/08/2019.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 20) - 1.35%
      Minimum deposit: £5,000.
      Notes: Fixed for two years from account opening.

    • Bank of Cyprus Fixed Rate ISA - 1.34%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date. Available to existing customers of 6 months or more only.

    • Bank of Cyprus Fixed Rate ISA - 1.32%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date. Available to all.

    • Chelsea BS Fixed Rate ISA - 1.30%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2019.

    • Yorkshire BS Fixed Rate ISA - 1.30%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2019.

    • Paragon Bank Fixed Rate Cash ISA - 1.26%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.


      3 Year Fixes:

    • Virgin Money Fixed Rate Cash E-ISA (issue 257) - 1.50%
      Minimum deposit: £1.
      Notes: Fixed until 24/08/2020.

    • Virgin Money Fixed Rate Cash ISA (issue 288 ) - 1.50%
      Minimum deposit: £1.
      Notes: Fixed until 15/08/2020.

    • Charter Savings Bank Fixed Rate Cash ISA - 1.50%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening.

    • Bank of Cyprus Fixed Rate ISA - 1.44%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening date. Available to existing customers of 6 months or more only.

    • United Bank UK Fixed Rate Cash ISA - 1.44%
      Minimum deposit: £2,000.
      Notes: Fixed for three years from account opening.

    • Bank of Cyprus Fixed Rate ISA - 1.42%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening date. Available to all.

    • Paragon Bank Fixed Rate Cash ISA - 1.41%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • Chelsea BS Fixed Rate ISA - 1.40%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2020.

    • Yorkshire BS Fixed Rate ISA - 1.40%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2020.


      4 Year Fixes:

    • Clydesdale Bank Fixed Rate ISA (issue 40) - 1.80%
      Minimum deposit: £2,000.
      Notes: Fixed until 30/07/2021.

    • United Trust Bank Fixed Rate Cash ISA - 1.55%
      Minimum deposit: £5,000.
      Notes: Fixed for four years from account opening. Transfers in only.

    • Leeds BS Fixed Rate ISA (issue 6) - 1.45%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2021.

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


      5 Year Fixes:

    • Charter Savings Bank Fixed Rate Cash ISA - 2.15%
      Minimum deposit: £1,000.
      Notes: Fixed for five years from account opening.

    • United Trust Bank Fixed Rate Cash ISA - 2.10%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening. Transfers in only.

    • Virgin Money Fixed Rate Cash E-ISA (issue 258) - 2.00%
      Minimum deposit: £1.
      Notes: Fixed until 24/08/2022.

    • Virgin Money Fixed Rate Cash ISA (issue 289) - 2.00%
      Minimum deposit: £1.
      Notes: Fixed until 15/08/2022.

    • Paragon Bank Fixed Rate Cash ISA - 1.95%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening.

    • United Bank UK Fixed Rate Cash ISA - 1.93%
      Minimum deposit: £2,000.
      Notes: Fixed for five years from account opening.

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 7) - 1.70%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening.

    • Nationwide BS Loyalty Fixed Rate ISA - 1.65%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening date. Available to existing members only (minimum of 1 year's continuous membership).

    • Leeds BS Fixed Rate ISA (issue 64) - 1.60%
      Minimum deposit: £100.
      Notes: Fixed until 31/08/2022.



      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.



      Lifetime ISAs:

      Lifetime ISAs are available to savers aged 18 to 39. They allow up to £4,000 per tax year to be saved up to the age of 50 and they receive a 25% government bonus up to £1,000 per year to help with buying a first home and/or saving for retirement.

    • Skipton BS Cash Lifetime ISA - 0.50%
      Rate guarantee? No. Rate effective from: 08/06/2017.
      Minimum deposit: £1. Operated via: Internet.



      Regular Savings Cash NISAs:


      N/A


    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; 12-08-2017 at 4:05 PM. Reason: List updated...
Page 225
    • apt
    • By apt 10th Aug 17, 8:58 PM
    • 3,059 Posts
    • 1,718 Thanks
    apt
    The Yorkshire Bank/Clydesdale Bank 3 year fix at 2% (min £2,000, max £20,000) is a decent improvement. http://www.ybonline.co.uk/personal/savings/tax-efficient-savings/cash-isa-fixed-rate-bond/
    No cheers for Coventry BS cutting their Loyalty Reward ISA (existing acc holders only) from 1.75% to 1.4% at the end of August.
    • drob4
    • By drob4 14th Aug 17, 8:34 PM
    • 61 Posts
    • 33 Thanks
    drob4
    I've got a fixed term ISA with Aldermere due to mature soon. At maturity, it automatically gets moved to a 30-day notice ISA with Aldermere. I'm planning on transferring to another provider - anyone know the best way of doing this? Do I need to wait until my old account has actually matured, or can I open a new ISA now and specify a 'transfer date' (i.e. after maturity) with my new provider? It's been a while since I needed to bother with my ISA - apologies if this is a dumb question.

    Dan
    • Consumerist
    • By Consumerist 14th Aug 17, 9:16 PM
    • 4,586 Posts
    • 2,259 Thanks
    Consumerist
    I've got a fixed term ISA with Aldermere due to mature soon. At maturity, it automatically gets moved to a 30-day notice ISA with Aldermere. I'm planning on transferring to another provider - anyone know the best way of doing this? Do I need to wait until my old account has actually matured, or can I open a new ISA now and specify a 'transfer date' (i.e. after maturity) with my new provider? It's been a while since I needed to bother with my ISA - apologies if this is a dumb question.

    Dan
    Originally posted by drob4
    This sounds to me like a bit of skulduggery by Aldermere to make it difficult to know what to do.

    There is usually an option in the transfer request form (provided by the new manager) to delay the transfer until any existing fixed term has expired.

    Edit
    It occurs to me that that it not unusual for ISA managers to write to customers on fixed-term ISAs to ask what they want to do with the ISA on maturity. If you are close to maturity, you should have received something.
    Last edited by Consumerist; 14-08-2017 at 9:27 PM.
    Warning: In the kingdom of the blind, the one-eyed man is king.
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