Cash ISAs: The Best Currently Available List

frivolous_fay

Milarky wrote: »

Good rates, notwithstanding, aren't many of those denizens going to choose other banks and building societies precisely because they use all the available 'channels' - and therefore offer convenience?

Those retro passbooks I seem to end up with every year around this time give me chills :rotfl:

brewerdave

Opened a Principality 3 YR FR ISA @ 4.17% on Wednesday am to transfer outdated ISAs in (it was released Tuesday pm) - had a phone yesterday afternoon to say it has been withdrawn !! .....but replaced by an offering @ 4.22%
I've got to go into my local branch to sign revised paperwork for the new issue 81 ...... bit of a pain but its worth another £40 for me!
Just don't understand the logic since 4.17% seemed pretty attractive to me anyway!

derrick

A few at the Nationwide;-

e-ISA, (with bonus, expiry date of bonus 31/08/12), £1 +, 3.10 inc bonus

1 year fixed rate, £1-49999 3.10 gross, £50000+ 3.20 gross

18 month fixed rate, £1-24999, 3.55 gross, £25000+ 3.75 gross

3 year fixed rate, between 3.85 & 4.10 gross depending on deposit amount.

4 year fixed rate, £1-24999, 4.30 gross, £25000+, 4.40 gross.

3 year loyalty fixed rate, £1-5340, 4.20 gross


.

tonyg_2

Just thinking about the Birmingham Midshires 3.1% ISA. If I deposit over £20K do I can 3.1% on ALL of the money or do I get this just on the money in excess of £20K?

Thanks for any info

kidmugsy

Open to correction, but as I understand it if they say it is "tiered" you get the top interest rate on the whole balance; if they say it is "banded" you get it only on the top slice of money.

newuser78

Two months ago I opened my first ISA with Santander (called Flexi-ISA) - for the new tax year, should I get a new ISA account or just use the existing one?

I managed to put in the full 5,100 for 2010/2011.

Many thanks in advance!

luci

newuser78 wrote: »

Two months ago I opened my first ISA with Santander (called Flexi-ISA) - for the new tax year, should I get a new ISA account or just use the existing one?

I managed to put in the full 5,100 for 2010/2011.

Many thanks in advance!

Check which issue number you have and whether the rate changes after say 12 months. The new Issue 3 pays at least 3.3% for 12 months.

newuser78

luci wrote: »

Check which issue number you have and whether the rate changes after say 12 months. The new Issue 3 pays at least 3.3% for 12 months.

Thanks for your response - sorry I should have mentioned this in my previous post... yep it is an Issue 3.

Lokolo_2

tonyg wrote: »

Just thinking about the Birmingham Midshires 3.1% ISA. If I deposit over £20K do I can 3.1% on ALL of the money or do I get this just on the money in excess of £20K?

Thanks for any info

kidmugsy wrote: »

Open to correction, but as I understand it if they say it is "tiered" you get the top interest rate on the whole balance; if they say it is "banded" you get it only on the top slice of money.

Yes, you would get 3.1% on the full balance in your ISA, provided that the balance is £20k or more. :j

boobbby

Santander are so crafty..last year I had two ISA with them one was an flexible ISA which paid the higher rate but did not allow transfers. The other was a direct ISA issue 6 which did allow transfers. They both matured on the 6th April and therefore went to their almost zero interest rate. They offered to allow me to continued with the flexible ISA even offering 2.5% if when my fund exceeded £8500 although below that I would get 0.5%. The correct method was to open a new flexible ISA which pays 3.3% for £1+ and transfer my old flexible ISA into a new direct ISA (issue7) along with the funds from my old direct ISA. Because this is an internal transfer it has to be carried out at the bank and not online as in past years. Yes !! I do realise better rates are available at Nationwide and Halifax so it wont be long before a new transfer will be carried out as there is no interest penalty from the direct ISA.:T