Cash ISAs: The Best Currently Available List

gowgowuk

MarkyMarkD wrote: »

So what if the bonus is not variable? They could reduce the basic rate to 0% and then pay you 1.4%, and you could do nothing but (a) walk away and have just earned 2% or (b) stay and just earn 1.4% plus a bit of time at 3.4%.

Why do people buy accounts with such dubious bonuses?

But it is also the case for virtually all variable cash ISA, isn't it? And since there is no penalty for transferring out, then, as you say, you can always walk away and transfer to a better deal.

*EDIT* ok, I see what you mean.... well, I guess I take the risk

THRIFTY_GIRL

single_lonely wrote: »

Thrifty Girl:

ive just seen this today and on the website it says:
DUE TO HIGH DEMAND WE STRONGLY RECOMMEND THAT YOU APPLY IN BRANCH OR VIA THE POSTAL APPLICATION BELOW.
WEB APPLICATIONS WILL BE ACCEPTED UP TO 5 DAYS FOLLOWING ANY WITHDRAWAL OF THE OFFER.

May be if i post this tommorrow it will be accepted?

I think it's worth a try as there's not really anything else that comes close for transfers. I sent mine recorded delivery just to make sure it gets there. I can see a few forms going 'missing' with this level of demand.

Yes, I'm hoping this internet rule actually means postal applications. I will post if I hear anything.

The_Enforcer

• 13 months+ Fixes:
• Kent Reliance BS Fixed Rate (Postal) ISA - 3.25%
• 
  Minimum deposit: £100.
  Notes: Fixed until 31/12/2011.
  

Shouldn't this now be under a heading entitled "short-term fixes", as it's only got 8 1/2 months to run?

derrick

The_Enforcer wrote: »

[/LIST]
Shouldn't this now be under a heading entitled "short-term fixes", as it's only got 8 1/2 months to run?

20 and a half! it ends 2011

The_Enforcer

derrick wrote: »

20 and a half! it ends 2011

Ha!

It's got so bad, I don't even know what year it is!

KTF

Launching April 19. Clydesdale and Yorkshire bank will have a new (branch only) 3 year ISA @ 3.90%. Transfers in are allowed.

Details here: https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=194744

Website details here: http://www.ybonline.co.uk/personal/savings/tax-efficient-savings/cash-isa-fixed-rate-bond/cash-isa-fixed-rate-bond

Edit: Assuming my calculations are correct, the NR 3 year Stepped ISA (3.5%, 4%, 4.5%) still beats this with an average of 4% over the term so I wont have to drive half way up the country to my local Yorkshire Bank branch to open one

KTF

Northern Rock have a new 1 year fixed rate cash ISA out. 3% fixed until 15/05/11. Transfers in not allowed:

emoneyfacts: https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=194735

NR website: http://www.northernrock.co.uk/savings/isas/isa-breaker_issue1/

eastofeden

From reading the blurb on your link KTF, surely it states transfers in are NOT allowed?

KTF

eastofeden wrote: »

From reading the blurb on your link KTF, surely it states transfers in are NOT allowed?

Ah yes. My bad. I have amended my original post.

Genny_2

Clydesdale Cash ISA Fixed Rate Bond - Web Applications will be accepted up to 5 days following any withdrawal of the offer

Just a quick note for those who were wondering if downloading the transfer form and posting it would be successful.

I posted mine on the 13th April – the day it was withdrawn and have received a letter today “ to assure me” that the ISA is “secured” and I will receive confirmation within 14 days to confirm the account is opened.

Reckon others will be receiving their letter soon.

Genny