Cash ISAs: The Best Currently Available List

Hemel_Saint

Just found this Thread sitting down the pages... cant it be a sticky?

Thanks Kazza.
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MarkyMarkD

Hi Kazza

I've been missing your updates recently - hope that everything is OK.

I think that it's important to show, for fixed rate ISAs, whether it will be possible to top them up by the extra £1,500 on 6 October. For the over-50s, this is a major decision factor in whether to open a fixed rate ISA.

For example, I know that a few providers have said that you can't top up the fixed rate, but you can open another ISA with the same provider. That's good, but not necessarily very good. For other providers, you can top up the fixed rate.

I know it's more information to add, but I think it's valuable.

brewerdave

MarkyMarkD;Tried to get the info from my fixed rate ISA provider for this year, Principality, - basically they tell me no decisions have yet been made!

MarkyMarkD

Well, exactly, dave. People who haven't already invested in a fixed rate, but want to, shouldn't move it to somewhere that won't confirm whether they can top up or they'll be at risk of being frustrated in October.

Kazza242

The first post of this thread has been updated.

Nationwide have launched a new range of fixed rate ISAs paying higher interest than before. The five year fixed rate pays 4.50%, 3.75% for three years and 3.50% for two years.

Please note that Ruffler Bank have been taken over by Anacap Financial Partners and are now known as 'Aldermore'.

Kazza242

MarkyMarkD wrote: »

Hi Kazza

I've been missing your updates recently - hope that everything is OK.

Hi MarkyMarkD. Everything is fine, I've just been really busy at work and I've also been away on a conference with rubbish internet access. It's so good to have my broadband back.

MarkyMarkD wrote: »

I think that it's important to show, for fixed rate ISAs, whether it will be possible to top them up by the extra £1,500 on 6 October. For the over-50s, this is a major decision factor in whether to open a fixed rate ISA.

For example, I know that a few providers have said that you can't top up the fixed rate, but you can open another ISA with the same provider. That's good, but not necessarily very good. For other providers, you can top up the fixed rate.

I know it's more information to add, but I think it's valuable.

I agree that it would be useful to have include info on whether fixed rate ISA providers intend to allow over-50s to top up from 6 October. Though, some providers haven't yet decided on what they intend to do. As 6 October is not far away now, over-50s need to consider whether it might be better to delay opening a new fixed rate ISA until their ISA allowances increase, to ensure that they don't lose out.

Reaper

Kazza - please can you remove this one from the list as it is closed now
Newcastle BS Five Year ISA (issue 1) - 5.00%

MarkyMarkD

I've just moved house and now have far faster mobile broadband. It's a right nuisance having rubbish internet so I know how you feel!

tanith

I was considering moving my current ISA into the Nationwide fixed rate 2yr Bond which does say accepts transfers in.. but both here and on the NW site it clearly says you can only pay money in by cash or cheque at a branch so how do you transfer in from another ISA as it can't be taken out in cash?

Lokolo

tanith wrote: »

I was considering moving my current ISA into the Nationwide fixed rate 2yr Bond which does say accepts transfers in.. but both here and on the NW site it clearly says you can only pay money in by cash or cheque at a branch so how do you transfer in from another ISA as it can't be taken out in cash?

You fill in an ISA transfer form.