Cash ISAs: The Best Currently Available List

LGG_2

thanks so was the BMI at 3.8 and now its dropped to 3.6 thought id seen that but wasnt sure. yeah id prefer to stick with halifax if they are offering a good deal.

LGG_2

just been into halifax and they were able transfer my ISA to the fixed rate 2 year one over the counter.said i will get a new certificate in about 10 days or so. and the rate is 3.70 regardless of if it changes while the transfer is going through

curlygirl1971

The money is earning the new rate as from today? Did you keep the same account details or is it in a new account?

If so then that is infuriating! I made 2 phonecalls and went into branch, spoke to 2 different customer advisors and was told that they can no longer transfer ISA money from one Halifax account to another in branch / same day - they have to request it by post from the relevant department. (Granted it did happen within 4 working days). Was told the same for turning a variable account into a Fixed account.

I've always been a big fan of the Halifax but just recently they've really been naffing me off :rotfl:with one thing or another.

Their online transfer request wasn't working a couple of weeks ago (the branch also had same issue). I sent an email to them letting them know and all I got back was 'Sorry you weren't able to transfer your ISA, ring one of our advisors between blah blah blah'. So they'd obviously not read the bit where I'd said 'Ringing isn't convenient and will also delay the process as I wait for forms to be posted to me and will therefore result in a loss of Interest earning'. Rant over!

LGG_2

when i went in i asked about transfering my isa to the fixed rate one. i asked the lady at the service desk. she asked if i knew all the details of the new account ie cant add funds etc and i said yeah i knew so she said you dont need an appointment if you are aware of the small print and she said she could transfer it for me by emailing their transfer department who would then do the paperwork and i should get a new certificate in 10 days or. i presume the intrest wont start at 3.7 until all the paperwork is done. so while at the counter she took my details and emailed the transfer department.

curlygirl1971

Many thanks LGG. Feel a little calmer now

brewerdave

LGG - Yes, BM 2 year fix was at 3.8% - rolled a previous fixed ISA over towards the end of December.

PotatoPotato

Kazza242 wrote: »

Of the 2 year fixed rate ISAs listed, seven of them allow additional deposits to be made up to your ISA allowance limit. They are:

- Buckinghamshire BS - 3.60%: "You can pay money into the account while the issue is still open."

- Birmingham Midshires - 3.60%: "3.1 You can pay all or part of your yearly cash ISA allowance into your Account until we stop selling it."

- NatWest - 3.50%: "Top ups - are allowed up until 28th February 2012 to ensure you maximise your current tax year's allowance before the start date. No additional deposits are allowed after this date".

- Royal Bank of Scotland - 3.50%: Same as NatWest - see above.

- Barnsley BS - 3.35%:"Deposits for the 2011-2012 tax year's unused ISA allowance, and internal transfers from other Barnsley Building Society accounts, are permitted until the Fixed Rate ISA is withdrawn from sale."

- Chelsea BS - 3.35%:"ISA transfers in† from other providers and deposits up to your 2011/2012 ISA limit, can be made whilst the product remains on sale."

- Yorkshire BS - 3.35%:"You can only make current ISA deposits and previous ISA transfers into this account whilst the product is available to new investors. Once this product has been withdrawn from sale, any additional deposits will be returned to you."

Fixed rate ISAs are more tailored to savers who have a lump sum to deposit or savers able to top up to their ISA allowance limit soon after account opening.

If you haven't yet used up your ISA allowance for 2011/12, but you think that you'll top it up to the limit (£5340) by 5 April 2012, then it might be better to opt for a variable rate ISA for now and then you can transfer the full ISA to a fixed rate ISA later.

thanks kazza, i have to wait for the halifax one the mature. Hopefully one of these options will still be around..
How do i find out when my halifax matures to get the extra 0.2%?

boobbby

Thats a good question ..how do I find out when my ISA matures ? I have Twice messaged customer sevices at Santander with that question and both times they have replied April 2011. When I queried this with them they pointed out I had taken the ISA out in April 2010 which was true but I although I had kept the same account number iI had updated it from version 6 to version 7 in April 2011. Surely they should be telling me the correct date the bonus matures .

Kazza242

PotatoPotato wrote: »

thanks kazza, i have to wait for the halifax one the mature. Hopefully one of these options will still be around..
How do i find out when my halifax matures to get the extra 0.2%?

When you open a new fixed rate ISA with the Halifax, they send out investment certificates soon afterwards. It details the ISA maturity date.

If you can't find your investment certificate, you could call Halifax to ask. They also send out a letter detailing the options available to you a few weeks before your ISA matures, the letter also features the maturity date.

jennifernil

We just did partial transfers from our ISA4s to the BOS 2 year fix @3.7%.

I opened the account on-line on the evening of the 16th, OH did his by phone on the 17th. We printed off transfer forms and handed them in at our branch on the afternoon of the 17th, the money was in the new accounts on the 19th, so pretty fast.

If you transfer the whole amount you apparently keep the same account number. Some people have had an offer to transfer immediately without fulfilling the 12 month Reward period, but still get paid their extra 0.2%.

Here........

https://forums.moneysavingexpert.com/discussion/3530363

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