Cash ISAs: The Best Currently Available List

Consumerist

Looks as though long-term fixes are a bit of a pig-in-a-poke these days. Wish I could feel that ISA rates might improve come the ISA season but I'm not too hopeful of even that unless the banks manage to spend/hoard all the cheap Funding for Lending handouts by then.

Consumerist

Seems <here> that the Sainsbury cash ISA rate is dropping from 2.80% to 2.00% from tomorrow (1 Nov.). The rot continues to spread.

Sussex_Green_Man

Kazza, I have just been checking 3 year Fixed ISA rates as I have one maturing in November and I'm looking for a reasoable place to reinvest. I found the following.
The United Trust Bank offering has driopped to 3.00% as has the Halifax. The Ulster Bank 3yr fixed offering has now closed although the web site claims 'A new issue will be made available in the coming weeks' - no indication of rate.
The Saga 3yr Fixed is still being offered at 3.30%
Apologies if these changes have already been reported.

invbs

If you apply for the M&S fixed rate bonds on their website a message appears saying that they are changing the rates and you have to invest before 8 November to get the rates available now.

Kazza242

Hello everyone.

There have been a lot of ISA rate changes during the last week. I have amended the rates on the first post of this thread.

I won't list all the rates I've amended in this post, as there were so many that I had to practically re-write the whole ISAs list. The rates are falling so quickly. I hope this trend does not continue.

molerat

molerat wrote: »

I can't see my money staying with NR/Virgin unless they pull something out of the bag as a retention sweetener (3.3%+ so not much hope). Waiting for the paperwork for mine which matures in 4 weeks.

2 weeks to go and not a peep out of them so transfer forms filled out and popped in post, if they do not want my money it is their loss not mine.

mike33_2

Hi kazza i was just going to transfer some money to the marks and spencer 1 year fixed rate isa 2.95% but it seems it has changed to 2.80% from today so could someone confirm please as cant get through on the phone to them to ask.

Consumerist

Looks <here> as though you are correct.

Edit
Strangely, from the same page, they seem to be offering a 3% variable cash ISA.

Save at a variable rate
With the M&S Advantage Cash ISA option, your savings will earn 3.00% AER tax-free* (variable). You can save from as little as £100 as a lump sum – or £25 a month by Direct Debit. And you can dip into (or top-up) your savings whenever you want, without any penalty. However, if you reach your full cash ISA allowance for the current tax year, any amount you withdraw can’t be replaced during the same tax year.

mike33_2

Consumerist wrote: »

Looks <here> as though you are correct.

Thanks,things are changing quickly.

molerat

molerat wrote: »

2 weeks to go and not a peep out of them so transfer forms filled out and popped in post, if they do not want my money it is their loss not mine.

Had an e-mail today from Virgin/NR and the best they can offer is 3% for 3 years, no retention sweetener as in previous years.