Cash ISAs: The Best Currently Available List

Speed

Kazza242 wrote: »

• Alliance & Leicester Easy ISA - 4.50%
  Rate guarantee? No. Minimum deposit: £1. Operated via: Internet and Telephone.
  Notes: Rate includes a 1.00% bonus payable to 31.09.2009.

Now 3.5% (Rate includes a 1.50% bonus)

"EARN 3.50% GROSS P.A./AER, this rate includes a 1.50% BONUS payable until 15 February 2010."

Smithills

Just opened a cash ISA Issue 2+ for my Icesave money- 4.25% AER equivalent with a bonus included in that of 0.5% until July 2009 . It just about pips my internet savings account with Tesco 5.1% AER when you knock the tax off that- funny old world we live in now eh?!

silverchair

Just wondering where to transfer my ISA. I have 12,000 in my ICESAVE account.
Im not keen on putting it anywhere that hasnt subscribed to the banking code.
I've looked at Super ISA issue 3 from Abbey. If anyone has any advice on this or getting a better rate for my ISA. Id really appreciate any advice.

Baldur

silverchair wrote: »

Just wondering where to transfer my ISA. I have 12,000 in my ICESAVE account.
Im not keen on putting it anywhere that hasnt subscribed to the banking code.
I've looked at Super ISA issue 3 from Abbey. If anyone has any advice on this or getting a better rate for my ISA. Id really appreciate any advice.

You're aware that there's a catch with the Abbey product?

Enjoy a high variable rate of 5.75% AER for 13 months and instant access to your cash ISA when you need it, when you put the same amount or more into the Guaranteed Growth Plan or other qualifying investments.

silverchair

No I didnt know that.
Thanks for pointing that out. So I'll give that one a miss.
Are there any others which people could recommend?

Baldur

Check out Kazza's first post on this thread, which is regularly updated (but check the rates, as some may be in the throes of changing), also take a look at the comparison sites, e.g. http://www.moneyfacts.co.uk/money/savings/7/cash-isas.aspx

apt

tipsychick wrote: »

I was just having a quick look at "Rates" section for the Natwest and RBS cash ISAs. I think they may have stopped paying the bonus for applications made/received after 18/12/08. Looks like you can still apply for the ISA but you'll be getting the underlying rate without the all important bonus.

(Someone might want to check that's right. The small print isn't that clear and the Rioja has been flowing!)

The Natwest advert giving the latest reduced rates does make it clear that the bonus is no longer available, although those that made a transfer before 19 December will still get the bonus for new money or new transfers for the first year. For those who have transferred £27,000 or more and have the 2% bonus the rate is now 4.5%. Not too bad as many variable ISAs are under 2%. Natwest reduced their ISA rate by .75%, Nationwide (proud to be different) by 1.1%.

carpy

anyone hazard a guess at what ruffler might drop there rate to??

base rate or thereabouts or do you think they will try a remain a market best rate??

donny-gal

Hi Guys

I need to transfer my ISA due to getting a carp rate. I have paid in for this year, so it looks like my only options are Julian Hodge or Newcastle BS, if I want to fix, which I am tempted to do.

Is there any hidden flaws with either of the above, and does anyone think there may be an improvement soon?

DG

gvlewis

Cheshire Building Society (which was taken over by the Nationwide) is offering 4.5% fixed. Application and transfer forms are available to download on the website but they must be in by Monday morning in order to get this rate.