Cash ISAs: The Best Currently Available List

smulx

that's great, thanks for the info. Just need to check if Natwest will let me transfer out now.

harz99

Just been wading through Saga's online application process to transfer previous years contributions from Nationwide to Saga, as they offer much better fixed rates and are one of the few to offer a monthly paid away interest option.

It is really poor that N/W, as a mutual, cannot offer better fixed rates than they currently do. Not one single entry from them in Kazza's list says it all.

macgyver

I have deposited the full amount for this tax year in the 1 year fixed Halifax direct ISA which was giving me a good rate. It has matured now and the rate has dropped.
My question is, can I transfer the whole amount into a new ISA account without depositing any new money (since I have used up the allowance for this year)?
Thanks

innovate

macgyver wrote: »

I have deposited the full amount for this tax year in the 1 year fixed Halifax direct ISA which was giving me a good rate. It has matured now and the rate has dropped.
My question is, can I transfer the whole amount into a new ISA account without depositing any new money (since I have used up the allowance for this year)?
Thanks

Yes you can

Froggitt

last year surely......

innovate

Froggitt wrote: »

last year surely......

eh? are you referring to macgyver's Q?

Just to reconfirm: you can transfer an ISA if you have paid into it this financial year.
http://www.hmrc.gov.uk/isa/faqs.htm#6

Consumerist

macgyver wrote: »

I have deposited the full amount for this tax year in the 1 year fixed Halifax direct ISA which was giving me a good rate. It has matured now and the rate has dropped.

How can this year's (2012/13) fixed ISA have matured already?

innovate

Consumerist wrote: »

How can this year's (2012/13) fixed ISA have matured already?

It can be an ISA opened some time ago, which allowed further payments to be made after April 5 this year. Then matured sometime between then and now.

Jo4

What is the difference in Santander's Direct ISA (Issue 9) and Santander's 1 year fixed rate ISA? Which of these two ISAs are best?

macgyver

Consumerist wrote: »

How can this year's (2012/13) fixed ISA have matured already?

I opened up the Halifax one year fixed rate ISA on 12th July 2011 and dopited the ISA allowance for the year 2011-12 and the deposited £5640 in this April for 2012-13.
The account matured on 12th July 2012 and the rate dropped to .1% from 3.2%.
I spoke to Halifax and they were able to convert it to 4yr fixed ISA at 4.1%