Instant Access Online accounts - Best available

cottager

Mission accomplished Pandora -- if I could click your Thanks button twice I would
Cheers

gunnaknow

If you don't need to make more than 4 withdrawals a year then this guaranteed rate looks quite good.

https://www.themanchester.co.uk/mbsnew/savings/content/premier_guarantee.asp

Loco

Saga top 5 tracker is currently paying 5.6

10_66

AdeM wrote: »

Principality rate is being reduced to 4.05% from monday 8th !

4.51% wef 8 Dec. See HERE.

LesU

Pandora123 wrote: »

If you can lock away your ISA funds for a year, you should be able to open a Halifax fixed one-year ISA now (currently 5%). If you are transferring in, they will guarantee the rate for 60 days from when you set up the account to when the funds arrive.

Is this 60 day promise written down anywhere or is it just a verbal promise? I've looked through the terms and conditions and all I can find is a statement that, if the rates change before the account is credited, they will phone or contact you for extra instructions.

KingL

it's generally verbal only but comes from a pre-written script that they read out to you when you apply. Optimist has asked for it in writing and posted the email text somewhere around here. I have asked them to send me a letter with it in black & white.

Pandora123_2

LesU wrote: »

Is this 60 day promise written down anywhere or is it just a verbal promise? I've looked through the terms and conditions and all I can find is a statement that, if the rates change before the account is credited, they will phone or contact you for extra instructions.

Verbal. I always note the date, time & person I talked to when I get assurances that are verbal-only. Since they record all calls, there would be a record of this. I think they would be in big trouble with the Ombudsman if they were telling people one thing and doing another.

anna42hmr

LGG wrote: »

tescos the best one but has terrible reviews on here. other than that i think they are all pretty much the same

good rate but a pain in the bum to set up. i wouldnt open it now if i knew then what i do now, wouldnt recommend it. The sainsburys instant access online account was great service, easy to open, easy to use, just a shame that the account interest has plummetted so low comparitvly else i would recommend them

cottager

LesU wrote: »

Is this 60 day promise written down anywhere or is it just a verbal promise?

See the Halifax ISA Promise here:
http://www.hbosplc.com/media/pressreleases/articles/halifax/2008-08-27-TheHalifax.asp?section=Halifax
(seen on another thread)

LesU

Rate now 4% for Halifax ISA, but still looks good. I'll give it a try now I've got 60 days grace. I just hope FSCS gets a move on with my Icesave ISA cert.