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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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:

    • Ipswich BS Stepping Stone ISA (16-20) - 1.40%
      Rate guarantee? No. Rate effective from: 02/05/2017.
      Minimum deposit: £10. Operated via: Branch or Post.
      Notes: Available to customers aged 16-20 years old and they must be either existing members of the Society or live in the following postcodes (IP, NR, CO, CM, CB and PE only.)

    • 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:

    • Al Rayan Bank 12 Month Fixed Term Deposit Cash ISA - 1.35%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Charter Savings Bank Fixed Rate Cash ISA - 1.31%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 265) - 1.30%
      Minimum deposit: £1.
      Notes: Fixed until 24/09/2018.

    • Virgin Money Fixed Rate Cash ISA (issue 296) - 1.30%
      Minimum deposit: £1.
      Notes: Fixed until 15/09/2018.

    • Metro Bank Fixed Rate Cash ISA - 1.25%
      Minimum deposit: £1.
      Notes: Fixed for one year from account opening.

    • Paragon Bank Fixed Rate Cash ISA - 1.25%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening.



      14 Month Fixes:

      N/A


      2 Year Fixes:

    • Al Rayan Bank 24 Month Fixed Term Deposit Cash ISA - 1.70%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Charter Savings Bank Fixed Rate Cash ISA - 1.52%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 266) - 1.51%
      Minimum deposit: £1.
      Notes: Fixed until 24/09/2019.

    • Virgin Money Fixed Rate Cash ISA (issue 297) - 1.51%
      Minimum deposit: £1.
      Notes: Fixed until 15/09/2019.

    • Birmingham Midshires Fixed Rate ISA - 1.50%
      Minimum deposit: £1.
      Notes: Fixed for two years from account opening.

    • Metro Bank Fixed Rate Cash ISA - 1.40%
      Minimum deposit: £1.
      Notes: Fixed for two years from account opening.

    • Leeds BS Fixed Rate ISA (issue 94) - 1.40%
      Minimum deposit: £100.
      Notes: Fixed until 31/10/2019.

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

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


      3 Year Fixes:

    • Clydesdale Bank Cash ISA Fixed Rate Bond (issue 41) - 2.00%
      Minimum deposit: £2,000.
      Notes: Fixed until 31/07/2020.

    • Yorkshire Bank Cash ISA Fixed Rate Bond (issue 41) - 2.00%
      Minimum deposit: £2,000.
      Notes: Fixed until 31/07/2020.

    • Charter Savings Bank Fixed Rate Cash ISA - 1.65%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 267) - 1.65%
      Minimum deposit: £1.
      Notes: Fixed until 24/09/2020.

    • Virgin Money Fixed Rate Cash ISA (issue 298) - 1.65%
      Minimum deposit: £1.
      Notes: Fixed until 15/09/2020.

    • Paragon Bank Fixed Rate Cash ISA - 1.55%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.


      4 Year Fixes:

    • United Trust Bank Fixed Rate Cash ISA - 2.00%
      Minimum deposit: £5,000.
      Notes: Fixed for four years from account opening. Transfers in only.

    • Leeds BS Fixed Rate ISA (issue 10) - 1.50%
      Minimum deposit: £100.
      Notes: Fixed until 31/10/2021.

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


      5 Year Fixes:

    • Virgin Money Fixed Rate Cash E-ISA (issue 268) - 2.15%
      Minimum deposit: £1.
      Notes: Fixed until 24/09/2022.

    • Virgin Money Fixed Rate Cash ISA (issue 299) - 2.15%
      Minimum deposit: £1.
      Notes: Fixed until 15/09/2022.

    • United Trust Bank Fixed Rate Cash ISA - 2.15%
      Minimum deposit: £5,000.
      Notes: Fixed for five years from account opening. Transfers in only.

    • Charter Savings Bank Fixed Rate Cash ISA - 2.11%
      Minimum deposit: £1,000.
      Notes: Fixed for five years from account opening.

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

    • Coventry BS Fixed Rate ISA (issue 49) - 1.80%
      Minimum deposit: £1.
      Notes: Fixed until 30/11/2022.

    • Metro Bank Fixed Rate Cash ISA - 1.75%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening.

    • Leeds BS Fixed Rate ISA (issue 66) - 1.75%
      Minimum deposit: £100.
      Notes: Fixed until 31/10/2022.

    • United Bank UK Fixed Rate Cash ISA - 1.70%
      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).



      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; 09-09-2017 at 6:18 PM. Reason: List updated...
Page 223
    • EachPenny
    • By EachPenny 6th Apr 17, 8:51 PM
    • 2,146 Posts
    • 3,205 Thanks
    EachPenny
    Same for me, phoned my local Notts BS branch at lunchtime, some kind person had cancelled their appointment this afternoon so staff could fit me in. Took 10 mins, most of which was chatting about house prices and the lovely weather!

    I got the impression this new ISA has generated a lot of enquiries, so may not be available for long.

    This was possibly the first time I have opened an ISA on the first day of the new tax year, but for that interest rate and large monthly pay in I was willing to drop everything and get to the branch asap, not an offer I wanted to miss!
    • ThriftyFelicity
    • By ThriftyFelicity 7th Apr 17, 1:12 PM
    • 765 Posts
    • 2,229 Thanks
    ThriftyFelicity
    Principality has raised (!) the interest rates on its fixed term ISAs:

    5 year 1.95%
    3 year 1.85%
    18 month 1.4%

    Best buys
    Originally posted by ThriftyFelicity
    The 3 year is being pulled on Monday, new rate will be 1.3%. Not sure about the 5 year and 18 month.
    R.I.P. Bart. The best cat there ever was.
    • welshmoneylover
    • By welshmoneylover 7th Apr 17, 5:31 PM
    • 2,693 Posts
    • 3,584 Thanks
    welshmoneylover
    The 3 year is being pulled on Monday, new rate will be 1.3%. Not sure about the 5 year and 18 month.
    Originally posted by ThriftyFelicity
    I managed to bag the 1.4 earlier today, was told all the rates will be dropping on Tuesday
    Be happy, it's the greatest wealth
    • brewerdave
    • By brewerdave 10th Apr 17, 9:12 AM
    • 4,431 Posts
    • 1,816 Thanks
    brewerdave
    As from today, these ISAs are available only in branch or agency. They can no longer be opened online.
    Originally posted by namecheck
    Had a couple of Principality ISAs maturing on the 9th - they wouldn't let me roll over into any of these offers online -insist that I had to visit a branch - so I'm moving out of Principality alltogether
    • Rich2808
    • By Rich2808 10th Apr 17, 12:55 PM
    • 478 Posts
    • 385 Thanks
    Rich2808
    Same for me, phoned my local Notts BS branch at lunchtime, some kind person had cancelled their appointment this afternoon so staff could fit me in. Took 10 mins, most of which was chatting about house prices and the lovely weather!

    I got the impression this new ISA has generated a lot of enquiries, so may not be available for long.

    This was possibly the first time I have opened an ISA on the first day of the new tax year, but for that interest rate and large monthly pay in I was willing to drop everything and get to the branch asap, not an offer I wanted to miss!
    Originally posted by EachPenny
    I opened my account this morning. Very friendly staff and I got a coffee and a pen too!

    They are apparently allowing up to one hour per appointment - so the most any staff member can do is generally 7 per day. I only needed about 20 minutes as a new customer - albeit much of that time was spent discussing other potential products - but I imagine it can very depending on the customer.

    I can't see it being around for long as you say.
    • Rich2808
    • By Rich2808 10th Apr 17, 12:57 PM
    • 478 Posts
    • 385 Thanks
    Rich2808
    Same for me, phoned my local Notts BS branch at lunchtime, some kind person had cancelled their appointment this afternoon so staff could fit me in. Took 10 mins, most of which was chatting about house prices and the lovely weather!

    I got the impression this new ISA has generated a lot of enquiries, so may not be available for long.

    This was possibly the first time I have opened an ISA on the first day of the new tax year, but for that interest rate and large monthly pay in I was willing to drop everything and get to the branch asap, not an offer I wanted to miss!
    Originally posted by EachPenny
    I opened my account this morning. Very friendly staff and I got a coffee and a pen too!

    They are apparently allowing up to one hour per appointment - so the most any staff member can do is generally 7 per day. I only needed about 20 minutes as a new customer - albeit much of that time was spent discussing other potential products - but I imagine it can vary depending on the customer.

    It takes seven working days for chequers to clear but interest is paid from day 1.

    I can't see it being around for long as you say given the rate.
    • Ashen
    • By Ashen 10th Apr 17, 8:09 PM
    • 372 Posts
    • 234 Thanks
    Ashen
    I'm looking to transfer a matured/upgraded Santander ISA to a flexible ISA somewhere, so I can withdraw and use the cash quite soon, but be able to repay it in if I am able to later.

    Are there any providers that are particularly fast or slow at accepting transfers in? I already have a flexible ISA with Nationwide.
    • 10_66
    • By 10_66 10th Apr 17, 8:12 PM
    • 2,614 Posts
    • 972 Thanks
    10_66
    I'm looking to transfer a matured/upgraded Santander ISA to a flexible ISA somewhere, so I can withdraw and use the cash quite soon, but be able to repay it in if I am able to later.

    Are there any providers that are particularly fast or slow at accepting transfers in? I already have a flexible ISA with Nationwide.
    Originally posted by Ashen
    I've just transferred to Coventry (online application and transfer in form) and it was the fastest transfer I've ever experienced.
    • masonic
    • By masonic 10th Apr 17, 8:29 PM
    • 9,126 Posts
    • 6,273 Thanks
    masonic
    Are there any providers that are particularly fast or slow at accepting transfers in? I already have a flexible ISA with Nationwide.
    Originally posted by Ashen
    When I did this a year ago TSB processed my transfer and allowed my to make the flexible withdrawal in about a week.
    • Space Captain
    • By Space Captain 11th Apr 17, 11:02 AM
    • 83 Posts
    • 23 Thanks
    Space Captain
    I'm looking to transfer a matured/upgraded Santander ISA to a flexible ISA somewhere, so I can withdraw and use the cash quite soon, but be able to repay it in if I am able to later.

    Are there any providers that are particularly fast or slow at accepting transfers in? I already have a flexible ISA with Nationwide.
    Originally posted by Ashen
    How can you have 2 ISAs ? I thought the limit was 1 per person.
    • isasmurf
    • By isasmurf 11th Apr 17, 12:17 PM
    • 1,718 Posts
    • 738 Thanks
    isasmurf
    How can you have 2 ISAs ? I thought the limit was 1 per person.
    Originally posted by Space Captain
    You can have as many cash ISAs as you want. The only restriction is that all deposits made in the current tax year must be held in the same ISA wrapper. Once the tax year has ended you can split them up to your heart's content.
    • SallySunshine
    • By SallySunshine 20th Apr 17, 4:36 PM
    • 618 Posts
    • 193 Thanks
    SallySunshine
    I have 2 maturing ISA's on June 1st, I'm looking at Coventry 3yr at 1.40%, it accepts transfers and it can be accessed with a penalty if really needed.
    The other for the smaller amount was the Yorkshire B.S. 2yr fix at 1.25%, that has dropped to 1.15%,that was a surprise, so now possibly Aldemore for 1.2%.
    Knowing my luck I wouldn't be surprised if others drop before I can transfer.

    Just noticed the chelsea has dropped to 1.15% also for 2yr fix
    Last edited by SallySunshine; 20-04-2017 at 4:42 PM. Reason: found out about another drop!
    • SallySunshine
    • By SallySunshine 20th Apr 17, 5:03 PM
    • 618 Posts
    • 193 Thanks
    SallySunshine
    We always used to open a fixed ISA as soon as possible after the new tax year started, and nearly always stayed with that bank/building society when they matured as they offered a slightly higher rate to their customers.(that was then!)
    However annoyingly some 2yr ISA's was actually 2yr 1 month, and so on, therefore we ended up this time maturing in June, and even have another one 18month fix, ending in October.
    Normally not a big deal except of course it is this time, so possibly slimmer pickings when looking to transfer if rates keep reducing or get pulled early.
    • Space Captain
    • By Space Captain 1st May 17, 2:19 PM
    • 83 Posts
    • 23 Thanks
    Space Captain
    My 2 year fixed ISA matured today. I am now able to add to it. Can I put some funds in and then transfer it all to a fixed rate ISA elsewhere or do I need to transfer it first and then pay into it ?
    • Consumerist
    • By Consumerist 1st May 17, 3:05 PM
    • 4,631 Posts
    • 2,303 Thanks
    Consumerist
    My 2 year fixed ISA matured today. I am now able to add to it. Can I put some funds in and then transfer it all to a fixed rate ISA elsewhere or do I need to transfer it first and then pay into it ?
    Originally posted by Space Captain
    You can do it either way round.

    You are probably being paid a pittance in interest on the funds at the moment so the sooner you transfer it the better.

    You can open a new fixed ISA for the new tax year anyway and transfer-in the old. Make sure the new ISA allows transfers-in and for how long - it's often about 60 days but check.

    Edit
    I'm assuming you haven't already contributed to an ISA since 6 April.
    Last edited by Consumerist; 01-05-2017 at 3:11 PM.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • Neil Jones
    • By Neil Jones 4th May 17, 4:53 PM
    • 735 Posts
    • 393 Thanks
    Neil Jones
    The 5yr Virgin Money E-Isa Issue 241 is at 1.75%, and the interest penalty for early withdrawal is only 180 days which is quite generous really - most of the others have the best part of a year's penalty on them on the five year fixes.
    • SallySunshine
    • By SallySunshine 5th May 17, 8:49 AM
    • 618 Posts
    • 193 Thanks
    SallySunshine
    Transferred my Santander maturing ISA to the Coventry 3yr 1.4% one.
    Had to wait for 30 days before it matured on 1st June before I could apply for transfer.
    Easiest and fastest application ever, probably because I already had an easy access ISA from last year so they had all my details on file.

    Withdrawal penalty of 180 days lost of interest
    • Heinz
    • By Heinz 5th May 17, 11:34 AM
    • 11,035 Posts
    • 4,449 Thanks
    Heinz
    Principality FR Cash ISA rates appear to have dropped dramatically from the front page of this thread (1.6% instead of 1.95% for the 5 year and 1.3% instead of 1.85% for the 3 year).
    Time has moved on (much quicker than it used to - or so it seems at my age) and my previous advice on residential telephony has been or is now gradually being overtaken by changes in the retail market. Hence, I have now deleted links to my previous 'pearls of wisdom'. I sincerely hope they helped save some of you money.
    • Space Captain
    • By Space Captain 5th May 17, 7:53 PM
    • 83 Posts
    • 23 Thanks
    Space Captain
    2 or 3 year fixed.
    I'm not sure what to go for.

    I may have some more to invest in 2 years time so a 3 year would mean me missing out being able to add it to my isa then however if rates drop again it would be good to have it in a 3 year fix.
    • Space Captain
    • By Space Captain 5th May 17, 7:55 PM
    • 83 Posts
    • 23 Thanks
    Space Captain
    Principality FR Cash ISA rates appear to have dropped dramatically from the front page of this thread (1.6% instead of 1.95% for the 5 year and 1.3% instead of 1.85% for the 3 year).
    Originally posted by Heinz
    The thisismoney website is updated daily it seems with the latest rates.
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