Santander 3.3%/3.5% Flexible ISA i3

deutsch

can you open one of these accounts without depositing anything as i have already used the 2010/11 limit and i just want to wait until 6th april 2011 for the new 2011/12 limit with fresh new money (not transfer).

Lokolo_2

luvpump wrote: »

Is this ISA easy access does anyone know ? cheers

Yes, it is :j

Lokolo_2

deutsch wrote: »

can you open one of these accounts without depositing anything as i have already used the 2010/11 limit and i just want to wait until 6th april 2011 for the new 2011/12 limit with fresh new money (not transfer).

No, it states on the Santander site that the min deposit is £1, so you would have to wait until next tax year to be able to open and fund one of these ISA's.

deutsch

Lokolo_2 wrote: »

No, it states on the Santander site that the min deposit is £1, so you would have to wait until next tax year to be able to open and fund one of these ISA's.

how long do applications take to open an account? perhaps timing it so i can actually deposit the money on the 6th rather than a few days later like last year on the flexible isa with santander then!

rb10

Lokolo_2 wrote: »

No, it states on the Santander site that the min deposit is £1, so you would have to wait until next tax year to be able to open and fund one of these ISA's.

Not sure that this is correct ... ok, the minimum deposit is £1, but other posters have indicated that it's possible to open with £0 and then add at least £1 at a later date.

Alias_Omega

A shame they do not allow balance transfers, i would assume that once April 6th arrives, this offer might be pulled..

Jimbo_Jones_2

I assumed that I could open this isa online but when I came to the part of the application about "How are you saving for this tax year" the options were "send in a cheque from an account in my name", "transfer money from a santander account", and "No new savings".

I thought there would be an option for paying in using the debit card linked to my bank account, is it not possible to do this with isas?

I don't have a chequebook or have time to go to my bank to get a cheque from them to send to santander. I obviously don't have a santander account so can't use that option.

Are there isas available that have an easy method of opening. ie one that doesn't involve me having to move off my fat bum.

emeraldbugle

Has anyone opened one of these with zero balance? Am thinking of the same, opening it but not funding it till 6th April.

Is there a minimum number of days that I have to fund it?

Renfro

Jimbo_Jones wrote: »

Are there isas available that have an easy method of opening. ie one that doesn't involve me having to move off my fat bum.

I just opened an AA ISA today after toying with the idea of the Santander (which I subsequently discounted because I didn't want to have to deal with Santander's appalling customer service).

AA has a higher rate than Santander, but it doesn't track BoE rates. However I figured that, seeing as there's no penalty for withdrawal, if rates do go up and a better deal comes along, then I can always transfer from the AA without any loss of interest.

The entire AA application process is online and you can choose to fund the ISA electronically from any bank account (which is the option that I chose, because I can't be arsed with posting antiquated cheques).

welshmoneylover

emeraldbugle wrote: »

Has anyone opened one of these with zero balance? Am thinking of the same, opening it but not funding it till 6th April.

Is there a minimum number of days that I have to fund it?

I did just that last year with the isa they offered then. didn't have a problem doing it either.