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  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,889Posts
    • 2,419Thanks
    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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 - 1.55%
      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).



      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 - 0.90%***
      Rate guarantee? No. Rate effective from: 23/12/2016.
      Minimum deposit: £1. Operated via: Internet, Post, Mobile App or Telephone.

    • Principality BS [30 Days' Notice] Promise ISA (issue 10) - 0.90%
      Rate guarantee? No. Rate effective from: 14/11/2016.
      Minimum deposit: £500. Operated via: Branch or Post.
      Notes: 30 days' notice of withdrawal required.

    • Family BS Market Tracker Cash ISA Account - 0.85%
      Rate guarantee? No. Rate effective from: 15/03/2017.
      Minimum deposit: £500. Operated via: Internet, Post 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:

    • Virgin Money Defined Access E-ISA (issue 11) - 1.01%
      Rate guarantee? No. Rate effective from: 26/01/2017.
      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.

    • 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.

    • Family BS [35 Days' Notice] Cash ISA (1) - 0.90%
      Rate guarantee? No. Rate effective from: 01/12/2016.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet, Post or Telephone.
      Notes: 35 days' notice of withdrawal required. A rate of 0.75% is paid on balances totalling £15,000 - £29,999 and 0.65% on £3,000 - £14,999.



      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 - 1.09%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Bank of Cyprus UK Fixed Rate ISA - 1.05%
      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 1.07%.

    • Virgin Money Fixed Rate Cash E-ISA (issue 223) - 1.06%
      Minimum deposit: £1.
      Notes: Fixed until 24/03/2018.

    • Virgin Money Fixed Rate Cash ISA (issue 254) - 1.06%
      Minimum deposit: £1.
      Notes: Fixed until 15/03/2018.


      14 Month Fixes:

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


      2 Year Fixes:

    • Principality BS Fixed Rate Cash ISA (issue 167) - 1.26%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.

    • 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.)

    • 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.

    • Aldermore Fixed Rate Cash ISA - 1.20%
      Minimum deposit: £1,000.
      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:

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

    • Principality BS Fixed Rate Cash ISA (issue 166) - 1.30%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • 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.

    • 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.

    • Aldermore Fixed Rate Cash ISA - 1.25%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening.

    • 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.

    • Yorkshire BS Fixed Rate ISA - 1.20%
      Minimum deposit: £100.
      Notes: Fixed until 29/02/2020.

    • 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 - 1.30%
      Minimum deposit: £5,000.
      Notes: Fixed for four years from account opening.


      5 Year Fixes:

    • 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.

    • 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.

    • 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.

    • Principality BS Fixed Rate Cash ISA (issue 164) - 1.55%
      Minimum deposit: £500.
      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.

    • Julian Hodge Bank Fixed Rate ISA - 1.40%
      Minimum deposit: £5,000.
      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.


    • Halifax Help to Buy: ISA - 2.00%
      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.


    • Santander Help to Buy: ISA - 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.
      ***The higher interest rate is available to 123 current account, 123 credit card or 123 Mini Account (in trust) customers. Customers not holding any of the above will receive the lower 1.50% rate.


    • 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, in order to make use of your full tax-free ISA savings allowance.


    • Virgin Money Help to Buy: ISA - 2.00%
      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 of account opening.



      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; 15-03-2017 at 4:59 PM. Reason: List updated...
Page 221
    • lucky77
    • By lucky77 22nd Jan 17, 9:31 PM
    • 157 Posts
    • 78 Thanks
    lucky77
    All variable rate cash Nisas that accept transfers in mentioned in first post have reduced rates or in.case of Family Building Society, been withdrawn.
    • badger09
    • By badger09 10th Feb 17, 12:06 PM
    • 4,621 Posts
    • 3,823 Thanks
    badger09
    All variable rate cash Nisas that accept transfers in mentioned in first post have reduced rates or in.case of Family Building Society, been withdrawn.
    Originally posted by lucky77
    Indeed.

    It doesn't look as though Kazza242 is updating this thread

    If that's the case, it should be made clear on the first page. I'll PM her.
    • badger09
    • By badger09 10th Feb 17, 12:15 PM
    • 4,621 Posts
    • 3,823 Thanks
    badger09
    Kazza's inbox is full.

    Hope she's ok and just too busy
    • nettleby
    • By nettleby 21st Feb 17, 2:19 PM
    • 190 Posts
    • 67 Thanks
    nettleby
    I always check this thread before saving in an ISA, and was surprised to find it wallowing on page 3

    Like you, I hope Kazza is ok and whatever, have been very grateful for all his hard work keeping this thread updated over the years.
    Megan
    • G_M
    • By G_M 22nd Feb 17, 12:15 AM
    • 38,435 Posts
    • 43,524 Thanks
    G_M
    National Counties BS 45 Day Notice Cash ISA (issue 5)
    Available to existing customers only


    Family BS [35 Days' Notice] Cash ISA (1)
    Higher rate dropping to 0.9% on 17/3/17
    • veryintrigued
    • By veryintrigued 3rd Mar 17, 12:26 PM
    • 1,841 Posts
    • 1,084 Thanks
    veryintrigued
    Chuffed that Kazza is OK and updating this thread.

    Thanks Kazza
    • badger09
    • By badger09 3rd Mar 17, 12:39 PM
    • 4,621 Posts
    • 3,823 Thanks
    badger09
    Chuffed that Kazza is OK and updating this thread.

    Thanks Kazza
    Originally posted by veryintrigued
    ^^^^^

    Hope she also finds time to empty her inbox
    • Rich2808
    • By Rich2808 6th Mar 17, 2:15 PM
    • 402 Posts
    • 353 Thanks
    Rich2808
    Seems Al Rayan bank have cut the expected profit rate on their one year fixed rate isa from 1.36% to 1.09%.

    They will also be cutting the rate on their 120 day notice isa – now closed to new investors – from 1.55% to 1.2% - from 18 July. The only positive at least is that they give you 120 days notice plus another 14 days – notice of the rate drop.

    https://www.alrayanbank.co.uk/savings/isas/fixed-term-deposit-cash-isa/

    Also has anyone with a 40 day notice isa with Yorkshire or Clydesdale bank checked their online banking today – my account and balance has disappeared! I am assuming this is while they convert it to the new instant access isa paying 0.5% - from the up to 1.25% available until yesterday on the 40 day notice isa. I hope that’s the case anyway!
    • Kazza242
    • By Kazza242 15th Mar 17, 5:14 PM
    • 1,889 Posts
    • 2,419 Thanks
    Kazza242
    First post updated...
    Hello Everyone,

    I hope everyone's OK. I have been updating the thread, though some ISA providers have been offering new ISAs for only a few days and then withdrawing them, so there's been a lot of work keeping up with all the frequent changes.

    The first post has been updated.
    Please call me 'Kazza'.
    • Space Captain
    • By Space Captain 20th Mar 17, 8:49 PM
    • 73 Posts
    • 21 Thanks
    Space Captain
    My 2 year fix is finishing soon so looking at the Principality BS Fixed Rate Cash ISA (issue 167) - 1.26% . Never heard of them before though.
    • welshmoneylover
    • By welshmoneylover 20th Mar 17, 9:32 PM
    • 2,655 Posts
    • 3,533 Thanks
    welshmoneylover
    My 2 year fix is finishing soon so looking at the Principality BS Fixed Rate Cash ISA (issue 167) - 1.26% . Never heard of them before though.
    Originally posted by Space Captain
    Been with them for years, they are very thorough and efficient, never had a problem and that's exactly who I have gone with, hth
    Good on the Tories
    • SallySunshine
    • By SallySunshine 23rd Mar 17, 9:55 AM
    • 541 Posts
    • 157 Thanks
    SallySunshine
    Just had word this a.m. my Clydesdale 2yr fix at 2.1% is ending in April and have been offered the 1yr fix for 0.75% or go mad and fix for 5yrs at 1.25%.

    Decidedly underwhelmed!
    • veryintrigued
    • By veryintrigued 23rd Mar 17, 6:09 PM
    • 1,841 Posts
    • 1,084 Thanks
    veryintrigued
    Rumour is that Notts BS will be launching a 2.25% Regular Saver. With up to 2000 being able to be deposited in April.

    Great news.

    I'll go get my tin hat now for Colstens annual criticism of me.
    • adindas
    • By adindas 23rd Mar 17, 10:43 PM
    • 3,002 Posts
    • 1,395 Thanks
    adindas
    ISA Flexibility with NW Flexclusive ISA
    I have NW Flexclusive ISA from previous tax years (2015 and earlier) but because the interest rate is too low, about August last year I moved it to higher interest current account taking advantages of cash ISA flexibility. I am planning to put it back into NW Flexclusive ISA to retain its ISA status on Wednesday April 5 (the last day of 206-2017 tax year) using FP.

    I have NW FP many times it will arrive to NW account in a matter of seconds. On Thursday April 6, 2017 (the first day of 2017-2018 taxyears) I will move it out to higher interest current account. I want to keep its ISA status.

    - Is there any problem with this plan ?
    - Is there any known pitfalls for doing this with very tight schedule ?

    Thanks
    • masonic
    • By masonic 24th Mar 17, 6:44 AM
    • 8,773 Posts
    • 5,898 Thanks
    masonic
    I have NW FP many times it will arrive to NW account in a matter of seconds. On Thursday April 6, 2017 (the first day of 2017-2018 taxyears) I will move it out to higher interest current account. I want to keep its ISA status.

    - Is there any problem with this plan ?
    - Is there any known pitfalls for doing this with very tight schedule ?
    Originally posted by adindas
    I'm not taking the risk of leaving it to the last possible day to replace the ISA money. Banking problems do happen from time to time. I'll be doing mine a couple of days before to be on the safe side.

    There is no problem with your plan, other than the slight risk the transfer might be delayed if you are extremely unlucky.
    • ctdctd
    • By ctdctd 24th Mar 17, 7:29 AM
    • 760 Posts
    • 569 Thanks
    ctdctd
    I have NW FP many times it will arrive to NW account in a matter of seconds. On Thursday April 6, 2017 (the first day of 2017-2018 taxyears) I will move it out to higher interest current account. I want to keep its ISA status.

    - Is there any problem with this plan ?
    - Is there any known pitfalls for doing this with very tight schedule ?
    Originally posted by adindas
    I'd do it with maybe 3 working days spare in case of any problems such as:-
    FP could be delayed on the day you try it - bank websites are not 100% reliable.
    The amount could trigger a security check - especially if it's a new payee.
    The amount could be above your bank daily FP threshold.
    Your internet connection could go wrong.
    You could forget your bank password (oh, only me then!)

    and so on!
    Do Money Saving sites make you buy more bargains - and spend more money?
    • adindas
    • By adindas 24th Mar 17, 2:41 PM
    • 3,002 Posts
    • 1,395 Thanks
    adindas
    I'd do it with maybe 3 working days spare in case of any problems such as:-
    FP could be delayed on the day you try it - bank websites are not 100% reliable.
    The amount could trigger a security check - especially if it's a new payee.
    The amount could be above your bank daily FP threshold.
    Your internet connection could go wrong.
    You could forget your bank password (oh, only me then!)

    and so on!
    Originally posted by ctdctd
    I have thought about that. The reason why I mentioned the tight schedule is try to find out whether there is a T&C or rule or the like that will prevent this to happen. It is handy when you have to use this option.

    I will be transferring mine to NW ISA on April 3, 2017. I will be transferring back to Current account on April 8, 2017.
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