santander flexible isa 3.5pc coming off sale

gunmaker

Santander still advertising its Flexible ISA @ 3.5% in today's National Press.

Advising to visit local branch today to open.

MumOf2

Just phoned local branch and they confirmed that 2010/11 ISA can be opened today but only if you go to the branch by 4.30pm with ID. From close of business today, the ISA available will be 2.70% above base rate.

MumOf2

geordie_ben

i've just opened the 3.5% account over the phone this morning but had to deposit £1

OneADay

Just been to branch and opened for 2010/2011 season .

Bet you get someone else offering 4% for 12 months soon.

geordie_ben

OneADay wrote: »

Just been to branch and opened for 2010/2011 season .

Bet you get someone else offering 4% for 12 months soon.

if they do and its for next year i'll snap it up

OneADay

geordie_ben wrote: »

if they do and its for next year i'll snap it up

I did book appointment to go in. Bloke had a long list on his paper - very busy he said with the ISA being taken.

Its worth taking, if a new rate comes along in next 7 days, you do not have to put all your money in one basket. But this is as good as it gets for 12 month period.

fnm500

I too got rejected twice on the phone for the 3.5% Flexible ISA, but I persisted and got lucky the 3rd time. My strategy the 3rd time around was:

Me: Hi, when is the earliest I can open the 3.5% Flexible ISA
Santander: I can open one for you right now if you want
Me:Are you for real? ;-))

Got done in about 10 mins.

All this for £13 extra..

curlygirl1971

fnm500 wrote: »

All this for £13 extra..

All those 'extra' bits add up though.............by bothering to move my money around over the last 18 months and by going through the hassle of switching my current account I've gained an EXTRA £320.........so I think you did the right thing (I have to think that as I did it too!)

steveksullivan

This has been posted all over the place but again ......

the M&S 3yr fixed rate ISA pays 4% BUT IMPORTANTLY has a fixed get out fee of £100 so if youre transferring in any sort of substantial amount it soon overtakes the lower paying ISA's even taking into account the fee.....

in other words treat it as a one year account and if anything better comes along you can pay to get out and still be quids in .....

Think its only available till the end of this tax year though so get your application or transfer form in quick .....

geordie_ben

steveksullivan wrote: »

This has been posted all over the place but again ......

the M&S 3yr fixed rate ISA pays 4% BUT IMPORTANTLY has a fixed get out fee of £100 so if youre transferring in any sort of substantial amount it soon overtakes the lower paying ISA's even taking into account the fee.....

in other words treat it as a one year account and if anything better comes along you can pay to get out and still be quids in .....

Think its only available till the end of this tax year though so get your application or transfer form in quick .....

Unfortunately i need my cash in 12 months time and dont have any amount to transfer in, would this really still work out the best option for me? I'm unlikely to be able to save the full £5100 in 12 months