Cash ISAs: The Best Currently Available List

Kazza242

Jonbvn wrote: »

To anyone considering KR, I would suggest you take the 2 year fix at 3.75%, rather than the 3 year fix at 3.5%.

Hi Jonbvn,

Kent Reliance haven't launched a 2 year fix (at least not at the time of writing this post). I think you may have misunderstood the section of my updates post where I wrote:

They are also launching a three year fixed rate ISA paying 3.50%, as well as two four year fixed rate ISAs paying 3.75% and 4.00% respectively.

They have launched a 3 year fixed rate ISA paying 3.50%, as well as two 4 year fixed rate ISAs paying 3.75% and 4.00%.

Jonbvn

Kazza242 wrote: »

Hi Jonbvn,

Kent Reliance haven't launched a 2 year fix (at least not at the time of writing this post). I think you may have misunderstood the section of my updates post where I wrote:

They have launched a 3 year fixed rate ISA paying 3.50%, as well as two 4 year fixed rate ISAs paying 3.75% and 4.00%.

I am aware that KR have not yet launched these FR ISA's, after checking their website.

I did not misunderstand per se, your post was slight misleading.;)

boobbby

At present I have a FRISA with LloydsTSB which gives 3.2% and matures on the 25th March 2010
I have just received an invitation to take up their variable rate ISA which is offered at 3.1% which includes a bonus of 2.10% for 12 months. I am tempted to go for it as as I can add my next years allowance or transfer in from other ISA's and if anybody brings out a much better rate could transfer out without loss of interest. I would be interested in any thoughts on this deal as I need to agree before the 4th March.

Baldur

boobbby wrote: »

At present I have a FRISA with LloydsTSB which gives 3.2% and matures on the 25th March 2010
I have just received an invitation to take up their variable rate ISA which is offered at 3.1% which includes a bonus of 2.10% for 12 months. I am tempted to go for it as as I can add my next years allowance or transfer in from other ISA's and if anybody brings out a much better rate could transfer out without loss of interest. I would be interested in any thoughts on this deal as I need to agree before the 4th March.

I've had the same offer for my current 3.75% FRISA (Early Bird rate), it's a no brainer as far as I'm concerned unless someone wants to tie up their Cash ISA funds in a fixed-rate product (I certainly don't at this point in time). I'll be checking out any other offerings up to 1st/2nd March when, if no better product is offered, I will be accepting this and also transferring my maturing Saffron Regular Saver ISA proceeds to it.

The_Enforcer

I presume this 3.1% variable ISA (2.1% 12-month bonus) is reserved for existing customers and is not available to the public at large, because it doesn't appear on their website or on any best buy tables?

boobbby

Baldur wrote: »

I've had the same offer for my current 3.75% FRISA (Early Bird rate), it's a no brainer as far as I'm concerned unless someone wants to tie up their Cash ISA funds in a fixed-rate product (I certainly don't at this point in time). I'll be checking out any other offerings up to 1st/2nd March when, if no better product is offered, I will be accepting this and also transferring my maturing Saffron Regular Saver ISA proceeds to it.

I agree and I remember you getting that early bird rate last year (lucky devil). I did manage to transfer my other ISA to Northern Rock FR at 3.5% about a month or so ago. I like the idea of not fixing my LLoyds ISA again so will take up the offer this week as it still leaves the opportunity to move to another provider if their rates are much better. I have a feeling later this year improved rates might become available!!

boobbby

The_Enforcer wrote: »

I presume this 3.1% variable ISA (2.1% 12-month bonus) is reserved for existing customers and is not available to the public at large, because it doesn't appear on their website or on any best buy tables?

I have a feeling LloydsTSB test the uptake of this offer to existing customers before they offer it up to the public. I would expect you to see the offer to the general public about the end of Febuary but maybe with a slightly lower bonus rate.

bandana999

Baldur wrote: »

I've had the same offer for my current 3.75% FRISA (Early Bird rate), it's a no brainer as far as I'm concerned unless someone wants to tie up their Cash ISA funds in a fixed-rate product (I certainly don't at this point in time). I'll be checking out any other offerings up to 1st/2nd March when, if no better product is offered, I will be accepting this and also transferring my maturing Saffron Regular Saver ISA proceeds to it.

Thanks to you two for the info. No offer yet for me this year.- like you I took up the 3.75% early-bird offer last year.
(My parents weren't offered it, but ended up better off as I got them in the 5% Newcastle BS FRISA with 30 day notice)
Does this offer have a date you must accept by, like that one did? (tho' they kept extending it if I remember correctly).

Baldur

bandana999 wrote: »

Does this offer have a date you must accept by, like that one did?

Yes, 4th March, as posted by boobbby above (see #1714) .

bandana999

Baldur wrote: »

Yes, 4th March, as posted by boobbby above (see #1714) .

Oooops, sorry, missed that :embarasse