Cash ISAs: The Best Currently Available List

purplestar133

KTF wrote: »

Same letter for me. I just binned it all as it said on the covering letter that I had been moved to the Major ISA which is the 2 year one and if it was a postal ISA then it wouldnt be showing online.

Be interested to see what they say if you do call them though.

Thanks - that makes me feel better! I might ring them tomorrow. Doubt I'll get any sense though. I also couldn't get the ISA transfer form to work online so went into the branch where the advisor filled it out in front of me. She gave me a copy and I checked it later to find she had copied my address wrong, so had to go back...

So Santander are starting as they mean to go on!

adindas

Does Direct ISA from Santander have an ISA promise ?
Is there any flexible ISA which accept previous ISA transfer better than Sanatander in term of interest rate ?

Thank you for your time

Consumerist

If you look at post #1 you will see that NatWest has a higher rate for £30,000 deposits but with some quirks attached.

From the list, Santander appears to be offering the next-highest-rate easy access ISA at the moment which accepts transfers-in. You could get more from a fixed ISA. See the list in post #1.

I'm not aware of any ISA Promise from Santander. Halifax, however, promise to pay interest from the date they receive your transfer form rather than the date they receive the funds.

purplestar133

KTF wrote: »

Same letter for me. I just binned it all as it said on the covering letter that I had been moved to the Major ISA which is the 2 year one and if it was a postal ISA then it wouldnt be showing online.

Be interested to see what they say if you do call them though.

Called the 'dedicated ISA team' phone number on the letter, got a voicemail message for 'standard life retirement' or something, saying the scheme had wound up...:huh:

Tried the number at the top of the letter, was asked if I had a relationship manager, when I said no I was put through to a department that was closed...

After trying a few more numbers I spoke to someone who said I had a fixed rate ISA. When I pressed her on whether it was the 2 year one, she rustled some papers and told me it was. So I'm not filled with confidence that she knows for sure. Oh and she can't send me the correct terms and conditions.

I know Santander's customer service is rubbish, so I don't expect much. I just want to know what account they have opened!

Kazza242

Hi everyone.

Here are the most recent updates to the ISAs list on the first page.

The AA have launched a new issue of their popular Access Cash ISA, paying 3.50% on balances of £2,500+. It doesn't accept transfers in.

Cheshire Building Society have launched the third issue of their 18 month Fixed Rate ISA, paying an improved rate of 4.00%. They have also increased the rate paid on their variable rate Direct Cash ISA, to 3.35%.

The Bank of Scotland have launched a new one year fixed rate ISA, paying 3.15%. Aldermore have decreased their one year fixed rate ISA rate to 3.15%.

Principality Building Society have launched a new 18 month fixed rate ISA, paying 3.25% on balances of £500+. It accepts transfer in.

brewerdave

For info re AA Access ISAs -today I asked whether it was possible to move an existing Issue 1 ISA (taken out last May), across to Issue 3 to avoid losing the bonus from early May - they said NO - so I'll have to move it elsewhere,seems a bit daft to me!!

MoneySaverLog

brewerdave wrote: »

For info re AA Access ISAs -today I asked whether it was possible to move an existing Issue 1 ISA (taken out last May), across to Issue 3 to avoid losing the bonus from early May - they said NO - so I'll have to move it elsewhere,seems a bit daft to me!!

Yes, and I did just that earlier

meanscot

My Bank of Scotland ISA Saver 2 year fixed account (paying 3.5%)matures on 12th April, 2012. Halifax is offering to let me transfer into their new Bank of Scotland Fixed Cash ISA Account.

Current rates given for this 1 Year fixed rate 2.25%, 2 Year fixed rate 3.4%.

I am looking for an ISA that will accept transfers in from my present HBOS ISA and will give the best return. Any suggestions other than go with the 2 year fixed option with HBOS ?

Also, is it better to go for a 1 year fix to allow for interest rates going up over the next year.

Any suggestions welcomed.

Meanscot

Consumerist

meanscot wrote: »

Any suggestions welcomed.

Please look at <Post #1>, the ISA list.

You can do better than 2.25% for a 1-year fix and better than 3.4% for a 2-year fix. Just look at the list - please - that's what it's there for.

AirlieBird

meanscot wrote: »

My Bank of Scotland ISA Saver 2 year fixed account (paying 3.5%)matures on 12th April, 2012. Halifax is offering to let me transfer into their new Bank of Scotland Fixed Cash ISA Account.

Current rates given for this 1 Year fixed rate 2.25%, 2 Year fixed rate 3.4%.

I am looking for an ISA that will accept transfers in from my present HBOS ISA and will give the best return. Any suggestions other than go with the 2 year fixed option with HBOS ?

Also, is it better to go for a 1 year fix to allow for interest rates going up over the next year.

Any suggestions welcomed.

If you look at the main article on MSE you may get some better suggestions. http://www.moneysavingexpert.com/savings/best-cash-isa#fixed