Cash ISAs: The Best Currently Available List

KTF

Birmingham Midshires 5 year ISA at 4.55% has been pulled:

https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=194576

gallygirl

Crikey.

19.22 - From A&L
Thank you for applying for a Flexible ISA.

We are now processing your application and will be in contact with further details via email within the next 48 hours.


19.26
I am delighted to tell you that your application for a Flexible ISA has been successful.....

Last time I got a reply that quick from a bank I was being turned down for a loan :rotfl:

Special_Saver2

Special_Saver2 wrote: »

Hi Carpy,

As with others here, I received an e-mail from A&L more quickly than expected - by lunch time today I had an account number and details on how to do a BACS transfer (same details as in spiggle's post above).

The account has not yet shown up on my internet banking. In the past when I have opened online accounts with A&L, the new account has shown up the day after the initial e-mail without me having to do anything. I have just clicked on "add or remove accounts" below the list of accounts in internet banking and added a request to add this account in order to try and speed up the process.

I am going to chill out, sit tight and check again tomorrow. Hopefully the account will be added by then and then I can easily do an internal A&L transfer.

SS2

Well, I am happy to say that my Flexible ISA has appeared on my A&L online banking today and I was easily able to do an internal transfer to put money into the account.

SS2

Paul_Herring

gallygirl wrote: »

Crikey.

19.22 - From A&L
Thank you for applying for a Flexible ISA.

We are now processing your application and will be in contact with further details via email within the next 48 hours.


19.26
I am delighted to tell you that your application for a Flexible ISA has been successful.....

Last time I got a reply that quick from a bank I was being turned down for a loan :rotfl:

Clearly different from the usual motive of Santander's tenticles..

They usually (from experiance) drip feed the information.

Do let us know how how your ISA fares - presuming they've sent you the necessary paperwork both into it this year, and out of it next year when it drops to <hyperbole> (but not much) 0.0%</bole>

ACID

worth mentioning those ISA that are part of the Irish compensation scheme such as the post office?

ACID

Ok opened a new Santander ISA 3.20% online..simple process
will await email confirmation
didnt really put a large deposit as I like my funds to go out at the first of the month..so May now x 12 payment, last payment will be next April just before next tax year..that right??

Now for an ISA account that accepts transfers
have to be honest im considering
Nationwide
or
Post Office (yes i know)

tiptoe_mouse

ACID wrote: »

Ok opened a new Santander ISA 3.20% online..simple process
will await email confirmation
didnt really put a large deposit as I like my funds to go out at the first of the month..so May now x 12 payment, last payment will be next April just before next tax year..that right??

That last payment would be cutting it fine - 1st April 2011 is on a Friday, which means that unless your payment goes by Faster Payments (never guaranteed) it might not arrive by 5th April. Then not only would you not use all of your ISA allowance for this year, but you would automatically be using santander for next year's allowance as well.

tiptoe

ACID

tiptoe_mouse wrote: »

That last payment would be cutting it fine - 1st April 2011 is on a Friday, which means that unless your payment goes by Faster Payments (never guaranteed) it might not arrive by 5th April. Then not only would you not use all of your ISA allowance for this year, but you would automatically be using santander for next year's allowance as well.

tiptoe

thanks for reply
your right..i didnt even look at the day of the money goign out
realistically im goig nto have the full £5100 in the account much sooner
but still thanks as it may help others on the forum.

SalaYGomez

Hello all,

I'm trying to work out where the best place to transfer my previous years' ISAs is.

Isn't the best plan to transfer it to the Newcastle Balance Builder ISA (sorry not allowed to post links apparently)

Am I understanding this right that I get 3.4% on the prior year's funds. If so, that's awesome.

Only problem is that I have to use it for this years' funds too, but 3.4% is a good enough rate and the only problem with that really is you have to drip feed the money in rather than chuck it all in one lump, but the fact you can get 3.4% on previous years far outweighs this i reckon.

what's the catch?

cheers

gowgowuk

SalaYGomez wrote: »

Isn't the best plan to transfer it to the Newcastle Balance Builder ISA (sorry not allowed to post links apparently)

Am I understanding this right that I get 3.4% on the prior year's funds. If so, that's awesome.

what's the catch?

cheers

Hello, Thanks for mentioning this ISA. I was going to tranfer my 2 ISAs to Nationwide 2.75%, but this is a much better deal. I had a look and I don't see a "catch" either (apart from the fact that you have to pay in minimum £100 for 9 months, but that's not really a problem!). I would also be interested by other people opinions..