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Best high-street ISA?
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LizD_2
Posts: 1,503 Forumite

Who's got the best ISA rate and service on the high street? I don't want online because I'll be too tempted to take the money out. If I have to physically go out I won't take the money out. A notice account isn't practical, as I'll need the money available to pay deposits for my wedding.
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Rates before any interest rate rises from the November BofE decision:
Portman BS 5.55% (15 day - includes 0.80% 6 month bonus & minimum £1K) There is also a £30 transfer out fee but this will go when if they merge with Nationwide in late 2007.
Yorkshire BS 5.25% 30 day (but this isn't a problem with your criteria).
The rest are not exactly scintillating. Where do you live?0 -
I live in Dorset. I'm dubious about the Portman: won't the rate go down if they merge? Nationwide are only 4.85%0
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But meanwhile the rate is up there and you only lose 15 days interest if you withdraw. Just a thought.
BTW until the site crashed in the middle of my post, I was going to suggest that the Nationwide instant access ISA @ 4.65% before any rate rise was about the best I could find on the High Street.
Instant access branch based ISAs are not where the action is I'm afraid.
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A bunch of small building societies have branch based ISA accounts around the 5.1% to 5.2% range. National Counties (5.26%), Leek (5.25%), Dudley (5.2%), Melton Mowbray (5.2%), Kent Reliance (5.16%).
Guess its a matter of if any are down your local high street. If you only have access to the big institutions then Natwest's mini-cash ISA will rise to 5% in the next couple of weeks (under their base rate tracking guarantee)."The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.0 -
It's a long trek from Dorset to that lot :rotfl:
NatWest sounds promising, though.0 -
ReportInvestor wrote:Rates before any interest rate rises from the November BofE decision:
Portman BS 5.55% (15 day - includes 0.80% 6 month bonus & minimum £1K) There is also a £30 transfer out fee but this will go when if they merge with Nationwide in late 2007.
Yorkshire BS 5.25% 30 day (but this isn't a problem with your criteria).
The rest are not exactly scintillating. Where do you live?
i have just done a online app on the Yorkshire BS e-Isa 5.15%
i would love to go to nsandi isa but i have 2 lots of tax years worth (its such a shame they dont do transfers from excisting isa's) oh well i still be better off!! my prevoius provider was hsbc 4.55% :-(Oh well we only live once ;-)0 -
ReportInvestor wrote:But meanwhile the rate is up there and you only lose 15 days interest if you withdraw. Just a thought.
Instant access branch based ISAs are not where the action is I'm afraid.
Yes, that's true about the Portman figure. I'll be needing the money around April, so probably won't make that much of a difference as and when the merger goes ahead.
It's also painfully true about branch ISAs, but as I say, an internet one's not for me, far too tempting! :rotfl:0 -
uk_steve wrote:i have just done a online app on the Yorkshire BS e-Isa 5.15%
i would love to go to nsandi isa but i have 2 lots of tax years worth (its such a shame they dont do transfers from excisting isa's) oh well i still be better off!! my prevoius provider was hsbc 4.55% :-(
typical just seen another post that kent relince isa is 5.46% :eek:Oh well we only live once ;-)0 -
Anyway Liz, good luck for the big day
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Sometimes in life, thank goodness, there are more important things than the odd 0.1% here and there.
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West Brom BS fixed at 5.40%
http://www.westbrom.co.uk/westbrom/savings.product?id=2844&FROM_CAMPAIGN=true&CAMPAIGN_SRC=SAVINGS_HOME
Again its a trek but can be sorted out on the phone.0
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