Cash ISAs: The Best Currently Available List

Megalomaniac

Dunfirmline 2 year is closed (unless you get the forms to them by next Tuesday)!

kingmonkey

http://www.saffronbs.co.uk/savings/display.product.php?categoryID=1&category=tax-free&productID=t8

Innys

kingmonkey wrote: »

http://www.saffronbs.co.uk/savings/display.product.php?categoryID=1&category=tax-free&productID=t8

This is interesting.

Let us assume this product remains available for the 09/10 tax year. Even if you had the full £3,600 available from day 1 of that tax year, it is probably better to go for this than put all of your money,as a lump sum, into an alternative paying, say 3.5.% fixed. You could drip feed your money across from a high rate savings account.

rb10

Bath Building Society has a good ISA - Premier Cash ISA, 3% fixed rate for a year (minimum balance £1).

It would appear to allow you to add further funds at a later date. So new ISA money in April can be paid in, or other ISAs can be transferred in at a later date (e.g. if they are in a fixed rate ISA now).

It can be opened and operated by post.

jimbow25

kingmonkey wrote: »

http://www.saffronbs.co.uk/savings/display.product.php?categoryID=1&category=tax-free&productID=t8

Thanks for that info - 180 days notice for withdrawls is a lot though! At least it becomes "Easy Access" after a year.

KingL

Kazza242 wrote: »

NatWest e-ISA - 3.51% AER
Rate guarantee? Yes, but not at the current rate. AER guaranteed to be at least equal to Base Rate until 01.07.09. Rate effective from: 02/02/2009.
Minimum deposit: £1. Operated via: Internet.
Notes: Must have or open a NatWest Instant Access account (excluding e-savings and savings direct).

I don't remember seeing this mentioned anywhere (I'm sure it must have been), but the rate is upto 3.51%. Balances under 10k only get 3.25%. Linky

I presume that if you have £11000 in, you only get the higher rate on the last £1000 of it.

Kazza242

KingL wrote: »

I don't remember seeing this mentioned anywhere (I'm sure it must have been), but the rate is upto 3.51%. Balances under 10k only get 3.25%. Linky

I presume that if you have £11000 in, you only get the higher rate on the last £1000 of it.

No, if you have £11,000 (or £10k) in the Natwest e-ISA ISA, your whole balance will receive the 3.51% interest rate. Total balances under £10,000 receive 3.25%.

KingL

OK, thanks

Kazza242

The first post of this thread has been updated.

The new 2 Year Fixed Rate ISA by Principality Building Society, paying 3.30% (and not accepting transfers in), has been added to the list. It launches on Monday 23 February 2009.

Also added, is the new 7.00% Regular Saver ISA by Saffron Building Society. Pay in between £25 to £300 per calendar month.

The Nationwide Fixed rate ISA interest rates have fallen from 3.50% for 3 years to 3.25%. Also falling this week was the Egg ISA - down from 3.05% to just 2.05% - therefore I have removed it from the first post. ISAs by building society's, Earl Shilton and West Brom have also been removed from the list.

Next update midweek...

GreyCat

Hi,

Charity Bank pay 3% on their ISA, allow transfers in and require 30 days notice for withdrawals. (They're also very user-friendly, & dealt with opening the ISA with my Icesave transfer in a couple of days.)

https://www.charitybank.org