best account for £18k lump sum

Steve_xx

Natwest is the best rate at the moment on cash ISA's paying 7.32% with amounts in excess of 27k deposited.

http://www.natwest.com/personal/savings/g2/isas/cash-isa.ashx#tabs=section4

Steve_xx

f_@_w_y wrote: »

Has anyone seen this http://www.unbankltd.com

They also pay 7% AER, based in london... regulated by FSA

Strange, I never heard of it....

There's scant reference to how or if you can get your cash out before the end of the fixed term:

Fixed Term Deposit Rates
1 Year Fixed Deposit Rate 7% (AER)
6 Months Fixed Deposit Rate 6.25% (AER)
3 Month Notice Period Deposit Rate 6.25% (AER) Variable

Early withdrawal will result in a penalty being applied (early withdrawals are
subject to bank discretion).

m567

But that's only if you are transfering from another ISA provider, no?
If I am to start a cash ISA (limited to £3.6k?), which one is best?

thanks

Steve_xx

m567 wrote: »

But that's only if you are transfering from another ISA provider, no?
If I am to start a cash ISA (limited to £3.6k?), which one is best?

thanks

Barclays Tax Haven ISA or Post Office Cash ISA - both paying 6.25%

Baldur

m567 wrote: »

But that's only if you are transfering from another ISA provider, no?
If I am to start a cash ISA (limited to £3.6k?), which one is best?

You could do worse than read through this post, which is regularly updated and the ISA article on the main site HERE.

m567

Hi, so now that I topped my cash ISA.

I have a remaining £13k to save, being a highrate taxpayer.

Looking at NS&I, I read somewhere they dropped taxfree fixed rate certs (i see now 2.95%) an indexlinked (RPI+1%).

If I understand correctly, if i subscribe say in Dec2008, and on Dec2009, RPI (Dec08 to Dec09) turns out to be 2%, I would get 3%.

I actually believe RPI might be even lower than 2%, so in that case the fixedrate seems better,

Are there better alternatives based on my expectation that RPI will be<2% ?

regards,

m567

is this how NS&I works?