Cash ISAs: The Best Currently Available List

strawberries1

So much good info here! Thank you everyone.

It appears Santander’s 2.75% is the best for ISA transfer in? Am I right or need to do some more research? For 1yr is this the best intrest rate pls?

10_66

strawberries1 wrote: »

So much good info here! Thank you everyone.

It appears Santander’s 2.75% is the best for ISA transfer in? Am I right or need to do some more research? For 1yr is this the best intrest rate pls?

If you're talking about variable rate, unless you're lucky enough to have £35K (Beverley BS), then Santander/Alliance & Leicester offer the better bonus guarantee (for balances over £9K). However, if you want to keep your sanity for when you need to transfer out from them (probably in a year's time) I'd look elsewhere. With the problems I've had transferring out from Santander/Abbey on two separate occasions, nothing would enduce me to put any money with them again. Nationwide offer 2.75%, but the bonus guarantee isn't so good.

If you're happy with a 1 year fixed (you already know about the Post Office one at 3%), next best for transfers in are Northern Rock 2.85% (min £500) and Aldermore 2.85% (min £1,000).

MarkyMarkD

Surely the lesson is to begin the transfer out process from Santander at least 6 weeks before the end of the bonus? Then they can faff about as much as they like.

cyclonebri1

cyclonebri1 wrote: »

I am just coming to the end of a nightmare experience regarding ISA transfers. Anyone keen enough can search back to I've posted before but only today has the situation been finalised.

I'll post the details tommorrow when i should have more time :money:

Right the complete transfer of my cash isa from Santander to Halifax took from the 6thApril untill 5th of July :eek::eek:

This is roughly what happened STR took 6-7 weeks to release the money, Halifax requested it twice, I even called direct and they denied the requests but then suddenly found them.

Halifax sent me 3 different sets of paperwork for diferent types of cash isa inspite of my original request online and backed up by letter which they aknowledged requesting a 4 year fixed rate account.

Halifax lost this original request stating "we have had a few issues":mad:
They then failed to notify me that they had recived the funds from STR untill a full month after they had been in posession of them:mad:

When they did send out the confirmation they had set up the account as an instant access account with interest rates as per approx 1st July:mad::mad::mad:

I complained officially and only yesterday got the letter and cert stating they had honoured my original application although in all the confusion I can't recall if it was at todays rate, the rate on the day I apllied or the rate when they received the funds.

I can't put it any other way, what a complete set of !!!!!!, both Santander and Halifax.:T:T:T

cyclonebri1

Oh my Gord, I've killed a 109 page thread ,:wall::wall::silenced:

owitemisermusa

^^^^
Ha ha ha!
Thread dead!
:rotfl:

Dustykitten

Editted to remove

MarkyMarkD

Dustykitten

That account is fixed under 31 May 2012, which is just under 2 years. Not a 1 year fix at all, and not a competitive rate for that term.

owitemisermusa

Hi dusty, could you kill the link? I clicked through before realising it was the 2yr fix. Thought it was another product when I saw that you'd edited it.

The thread is alive again, hurray!

cyclonebri1

owitemisermusa wrote: »

Hi dusty, could you kill the link? I clicked through before realising it was the 2yr fix. Thought it was another product when I saw that you'd edited it.

The thread is alive again, hurray!

Phew, I live again.