Cash ISAs: The Best Currently Available List

PotatoPotato

Kazza242 wrote: »

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.

Ah i got my maturity date letter today!... I need to find my investment cert cos i dont even know if i am even getting that 0.2% mentioned in this other thread.
https://forums.moneysavingexpert.com/discussion/3530363
Thanks again :money:

10_66

PotatoPotato wrote: »

... I need to find my investment cert cos i dont even know if i am even getting that 0.2% mentioned in this other thread.[URL="http://"][/URL]

Neither OH or I ever received an investment certificate for these ISA's, just a letter confirming they'd been opened (which didn't mention the 0.20%) and others have also mentioned on this forum that they didn't get certificates either.

Kazza242

10_66 wrote: »

Neither OH or I ever received an investment certificate for these ISA's, just a letter confirming they'd been opened (which didn't mention the 0.20%) and others have also mentioned on this forum that they didn't get certificates either.

If you are referring to the Halifax Direct Reward ISAs (that enable you to earn an additional 0.20% if you pay in £1,000 per month into a qualifying current account), then you do get investment certificates for them. At least they are supposed to send certificates out for them.

I have my Halifax Direct Reward investment certificates in front of me now. I keep all these documents in a folder. I have three certificates as I applied to have my Direct Reward ISA redesignated each time they launched newer issues paying higher rates. The certificates have the following format:

Date:

Your name and address

HALIFAX ISA DIRECT REWARD <issue number>

CERTIFICATE OF INVESTMENT

Type of ISA:
Account Start Date:
Total Investment:
Maturity Date:

The certificate doesn't list the rate, but as it provides the date it was opened and the date it matures, its easy to check the rate received by going to the Halifax ISA Direct Reward interest rates info, here.

You'll see that Halifax lists the rates paid between particular dates. If you met the terms and conditions that enable you to receive an additional 0.20% then add that to the overall rate.

10_66

Kazza242 wrote: »

If you are referring to the Halifax Direct Reward ISAs (that enable you to earn an additional 0.20% if you pay in £1,000 per month into a qualifying current account), then you do get investment certificates for them. At least they are supposed to send certificates out for them...

Now I'm worried! Neither OH or I have received certificates. Both of us have only received the following:

A letter of thanks for opening the ISA Direct Reward (no issue number mentioned). This gave the account number and sort code.

A letter from the ISA Transfer Service confirming the funds had been requested from previous provider.

A letter of confirmation that the transfer had been successful, showing the amount of the transfer and the name of the previous provider.

A statement in April 2011, showing the current balance.

None of the above mention the issue number of the ISA Direct Reward. When logging into my account, it does show the interest rate of 3% and as I've complied with their requirements of having a Reward Current Account (into which I make sure £1K is paid in every month), I'm sincerely hoping that I'll get the bonus of 0.20% as well. It seems strange that both OH and I had exactly the same letters, but no certificates. I'll be very glad to see the back of this blasted ISA as soon as my anniversary date arrives in mid March. I hope I don't have to get into a protracted argument with Halifax to get the interest that I should be getting .

purplestar133

10_66 wrote: »

Now I'm worried! Neither OH or I have received certificates. Both of us have only received the following:

A letter of thanks for opening the ISA Direct Reward (no issue number mentioned). This gave the account number and sort code.

A letter from the ISA Transfer Service confirming the funds had been requested from previous provider.

A letter of confirmation that the transfer had been successful, showing the amount of the transfer and the name of the previous provider.

A statement in April 2011, showing the current balance.

None of the above mention the issue number of the ISA Direct Reward. When logging into my account, it does show the interest rate of 3% and as I've complied with their requirements of having a Reward Current Account (into which I make sure £1K is paid in every month), I'm sincerely hoping that I'll get the bonus of 0.20% as well. It seems strange that both OH and I had exactly the same letters, but no certificates. I'll be very glad to see the back of this blasted ISA as soon as my anniversary date arrives in mid March. I hope I don't have to get into a protracted argument with Halifax to get the interest that I should be getting .

I have exactly the same paperwork - no investment certificate. However, I'm not entitled to the extra 0.2%. I don't want to chase the investment certificate in case they try to charge me for it as banks tend to do for duplicates.

Kazza242

Hello everyone. This post is to let you know about the latest updates that have been made to the first post:

NatWest and the Royal Bank of Scotland (RBS) have launched a new range of one year, two year and three year fixed rate ISAs, paying 3.35%, 3.90% and 4.20% respectively. They pay a preferential rate of interest to savers transferring ISAs to them from other providers.

NatWest and RBS have also launched new three year fixed rate ISAs, paying 3.80%. The rate is fixed until 04/04/2015.

Cheshire Building Society have launched a new variable rate ISA, paying 3.06% on balances of £1,000+. The interest rate includes a 2.06% fixed bonus until 30/09/2013. It does not accept transfers in.

First Direct have launched a new Cash E-ISA, paying 3.00% on balances of £40,000 and above.

Next update at the weekend.

Gromitt

Halifax 2 year is now 3.50%
Halifax 3 year is now 3.55%

flexrider

Kazza242 wrote: »

Hello everyone. This post is to let you know about the latest updates that have been made to the first post:

NatWest and the Royal Bank of Scotland (RBS) have launched a new range of one year, two year and three year fixed rate ISAs, paying 3.35%, 3.90% and 4.20% respectively. They pay a preferential rate of interest to savers transferring ISAs to them from other providers.

NatWest and RBS have also launched new three year fixed rate ISAs, paying 3.80%. The rate is fixed until 04/04/2015.

Cheshire Building Society have launched a new variable rate ISA, paying 3.06% on balances of £1,000+. The interest rate includes a 2.06% fixed bonus until 30/09/2013. It does not accept transfers in.

First Direct have launched a new Cash E-ISA, paying 3.00% on balances of £40,000 and above.

Next update at the weekend.

Update According to the woman i spoke to manager at cheshire branch they do let credits into the account.

boobbby

I have just been informed by Santander that their variable rate cash direct ISA that accepts transfers, pays 2.5% over £14,000 and now 2.75% over £20,000. Valid since the 1st Feb and this higher rate is for 12 months.

apt

The Halifax 4 and 5 year fixes have been reduced to 4.1% and 4.2%.