Cash ISAs: The Best Currently Available List

Lady_K

Halifax is 2.75% now not 3%

Froggitt

http://www.halifax.co.uk/savings/interest-rates/personal-rates/#junior-cash-isa

Still 3% and 6% on Hal site.

Junior Cash ISA

UK annual rates. Rates of interest are subject to change but are correct as at 13th February 2012


If the adult registered contact holds a Halifax cash ISA***

And for children 16 and overTax free/AER£1+6.00%


If the adult registered contact doesn't hold a Halifax cash ISATax free/AER£1+3.00%

Lady_K

I think theres been a bit of a missunderstanding, its the adult isa saver online that was 3% but is now 2.75% thats the one my daughter was trying to change to for this year from her existing adult isa online.

Wont have to leave it so late next year it only went down last week

MoneySaverLog

Froggitt wrote: »

Put a quid in a Hal ISA yourself and kids get the 3% bonus on top of the 2.75%

Clever little Halifax they know as soon as someone puts a quid in they have your allowance for the year, so are more than likely to put more in than that

Kazza242

Hi everyone. I hope you all enjoyed the long Diamond Jubilee weekend.

I've made lots of updates to the first post of this thread.

ISAs from Teachers Building Society and Market Harborough Building Society, both paying 3.00%, have been added to the variable rate (non-transfers in) ISAs section.

ISAs by NatWest and Halifax have been removed from the variable rate (transfers in) section. Both rates have dropped and are no longer competitive enough to feature on the list. The Nationwide Flexclusive ISA has also been removed, as it has been withdrawn.

On the one year fixed rate ISAs section, Santander and Virgin Money have launched new issues of their popular ISAs, paying 3.50%, 3.30% and 3.30% respectively. Also added to this section, are ISAs from Progressive Building Society, The Post Office and Julian Hodge Bank, paying 3.15%, 3.10% and 3.10% respectively.

One year fixed rate ISAs from Cheshire, Derbyshire and Dunfermline building societies, have been removed, as they now pay only 3.00%. NatWest's range of Preferential rate ISAs have been removed from the list, as they've been withdrawn.

Added to the two year fixed rate ISAs section, are offerings from Marks and Spencer Money and Aldermore, both paying 3.50%. On the three year fixed rate ISAs section, ISAs by Virgin Money and Bank of Scotland, both paying 3.60% have been added.

I have added some new four year fixed rate ISAs to the list. They are offered by Lloyds TSB, Cheltenham & Gloucester and the Bank of Scotland, paying 3.90%, 3.80% and 3.80% respectively.

Newcastle Building Society have launched a new five year fixed rate ISA, called Champion ISA, paying 4.25%. Also added to this section are ISAs by Cheltenham & Gloucester and Julian Hodge Bank, both paying 4.00%.

innovate

Shock 3.7% to 3.2% for Lloyds 2-year fixed ISA

MoneySaverLog

Kazza242 wrote: »

I have added some new four year fixed rate ISAs to the list. They are offered by Lloyds TSB, Cheltenham & Gloucester and the Bank of Scotland, paying 3.90%, 3.80% and 3.80% respectively.

innovate wrote: »

Shock 3.7% to 3.2% for Lloyds 2-year fixed ISA

LTSB have also dropped the rates on the 3 and 4 year fixes at 3.35% and 3.4% respectively - minimum balance 10K

PopKiss

It can never be said enough times; Thank You for your diligence in maintaining this very valuable resource.

Kazza242

innovate wrote: »

Shock 3.7% to 3.2% for Lloyds 2-year fixed ISA

MoneySaverLog wrote: »

LTSB have also dropped the rates on the 3 and 4 year fixes at 3.35% and 3.4% respectively - minimum balance 10K

Yes, that's right innovate and MoneySaverLog. I made the amendments to the list last Thursday (14th June) to reflect the LTSB downward rate changes. Rates tumbled last week on a number of ISAs. I hope this isn't a trend and rates pick up in the next few weeks.

PopKiss wrote: »

It can never be said enough times; Thank You for your diligence in maintaining this very valuable resource.

You're welcome. I am pleased it is helpful.

Yeti

firstly, as ever, thanks for this resource. i have a couple of questions :

1) i have two separate cash isas for previous years. i am assuming if you make an account at one that accepts transfers, you can deposit for this year AND transfer in two existing ones?

2) i was going to do this at santander, but then read a lot of negativity about time taken to do transfers. then i thought maybe lloyds, 2 year fixed (i do like the idea of having no hassle next year, even if it costs a little money). but now it seems the rate has dropped. should i wait and hope rates go back up?

cheers