Cash ISAs: The Best Currently Available List

rb10

kidmugsy wrote: »

I'd like a decent interest rate that will follow any changes in the BOE base rate, with instant access (or short notice period), and the ability to transfer old ISA money in. Any suggestions?

Halifax ISA Direct Reward? ... no explicit guarantee that it'll track the BOE rate, but I fully expect it to do this for the first 12 months.

frivolous_fay

opinions4u wrote: »

It's still available.

Clear out your cookies and try again!

Don't think it's cookies... applied on ipad, application failed as above.

Tried on PC using IE the next day - success.
Couple of days pass and I fill in O/H's application in IE - failure.
Tried to apply again straight away, using Chrome - failure. (this last one a few minutes ago)

Flaky as hell :doh:

LongTermLurker

kidmugsy wrote: »

I'd like a decent interest rate that will follow any changes in the BOE base rate, with instant access (or short notice period), and the ability to transfer old ISA money in. Any suggestions?

Santander Flexible ISA: 3.3%, tracks base rate upwards but won't drop below 3.3%. Instant/easy access. Interest added 1 March 2012 (bizarre, but true).

Of course, on the downside, it's Santander, but you didn't mention level of service TBH, how often is someone going to want to service a cash ISA, except to add funds, which you can do online. You can also withdraw from a cash machine, meaning you don't have to worry about lax service until you want to transfer it, which you should do after the year's up (or 1 March??), as it'll drop to 0.5% then.

Edit - ah - can't transfer in... but it ticks most of your boxes

boobbby

In the past after the Santander ISA's have matured I have done an internal transfer with Santander, usually their flexible ISA into a new direct ISA which allows transfers. I have been able do it over the Internet but this year it has to be done in branch and then by the head office. It used to take a couple of days and this year it is now over 10 days and still not transfered. Anybody else tried this ?

harz99

harz99 wrote: »

BM 5year/5% ISA forms signed and returned yesterday with cheques, just got to wait return of account funded confirmation now and that's another years cash ISA allowance taken care of.:beer:

Job fully done now for another 12 months.

dancingfairy

Well I've plumped for the Skipton regular saver ISA. 3.25% fixed. Max monthly payments at 445 a month. No min. amount to be invested, no monthly minimums so you don't even have to make 12 monthly deposits.
No withdrawls but if you need the money you can close the account and get all acrued interest without penalty.
Oh and excellent customer service too
df

psychic_teabag

According to
https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=204688
the Santander loyalty ISA at 3.5% will be withdrawn 3rd May.

jeffkenny

dancingfairy wrote: »

Well I've plumped for the Skipton regular saver ISA. 3.25% fixed. Max monthly payments at 445 a month. No min. amount to be invested, no monthly minimums so you don't even have to make 12 monthly deposits.
No withdrawls but if you need the money you can close the account and get all acrued interest without penalty.
Oh and excellent customer service too
df

The Manchester BS (www.themanchester.co.uk) do a regular saver at 4% (0.5% plus 3.5% annual bonus, T&Cs apply)

jeffkenny

jeffkenny wrote: »

The Manchester BS (www.themanchester.co.uk) do a regular saver at 4% (0.5% plus 3.5% annual bonus, T&Cs apply)

They also do a 60 day notice ISA at 3.01% that accepts transfers in.

black_taxi_2

whats a mini cash isa?confused