best isa to open with £500

credit_crunch

good afternoon everyone!

i hope no one minds me starting a new thread but i have had a look and cant quite find the answer to my question(s).

anyway, i would like to open an isa asap - starting with £500
i have had an isa before, but closed the account when i changed banks
i will be putting £30 away buy standing order each month so will be well within the annual limit.
i do not mind which bank it is with providing the account can be operated via the internet
i also would like the option of withdrawing money if & when i need it rather than being tied in for a year

thanks in advance

Farway

To clarify you want an instant access cash ISA?

They do tend to vary, some of the higher paying ones are only available for a very short time

Have a look here, or Martins guide under Savings

http://www.moneysupermarket.com/savings/

You can always move should a better one appear later

McKneff

which bank are you with now,
i have a halifax current account (witha £5 reward each month as my salary is paid into it and a halifax cash Isa at 3%
transferring any extra money (over and above your £30)
is instant and is so easy over the internet. As i presume it would be
with any bank who holds all your accounts.

credit_crunch

hi thanks for your reply

i am currently with ulster bank - i had been with halifax from i was born but closed my account back in feb this year - i switched to ulster bank purely because they were paying £150 to do so!

McKneff

Do Ulster bank have cash ISAs, find out the rate theyre paying, you could look this up online.

credit_crunch

hi the ulster bank one is 2.25% aer

halifax is coming up at 0.5% variable

on moneysupermarket i have found an isa from intelligent finance at 2.75% aer and basically the same conditions as both halifax and my own bank

it seems to good to be true considering the other 2 rates, what do you think?