Cash ISAs: The Best Currently Available List

innovate

Thank you, Kazza, for another year of keeping the web's best cash ISA list alive! Not entirely without the help of other MSEers, I hasten to add - - but pulling it all together in one place is just a superb and really helpful effort, which is down to just you. I for one really appreciate your initative.

Wishing you all a merry Xmas, and outstanding ISA rates come April (for the right reasons, not the wrong ones)!

HardSpend

• Beverley BS [30 days' notice] Cash ISA - 3.00%
  Important: Available to Beverley Building Society members only.

I asked them about this and you don't need to be an existing member.

Kazza242

HardSpend wrote: »

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I asked them about this and you don't need to be an existing member.

Hi. They've recently changed this. I have amended the info.

badger09

Merry Christmas Kazza and thanks for all your hard work on this thread :T :beer: :T

molerat

Just received my maturity notice from Virgin(NR), they obviously have enough cash in their coffers so do not need to keep my funds with them !! Another of my accounts moving to Santander, the decision is whether to put it into a new 2yr 3.1% or into my Iss9 3.3% and wait and see what next year brings.

Thanks for all your hard work Kazza242, saves us from having to do it :xmassign:

purplestar133

Right! *Rubs hands together* It's time for me to pay attention to this thread again!

I follow this thread (massive thanks Kazza) and a few other ISA ones all year round but as all of my ISAs have been tied up I'm only skim reading. Now I've got my big main ISA maturing so I've got to take in what I'm reading;)!

Rates are awful aren't they? Think I'm going to transfer out of NR/Virgin Money into a variable rate for the mean time and see if a decent fixed rate comes out around April time. I'll also have to transfer my other ISA's around that time.

Just thinking out loud!

Kazza242

Happy New Year to everyone! Many thanks for following the thread for another year.

This is a heads up to anyone that may have the Marks and Spencer Bank Advantage Cash ISA, currently paying an interest rate of 2.75%.

This rate will be reduced to 2.25% AER (variable) from 6 March 2013. M&S Bank have been sending out notification letters to their Advantage Cash ISA customers.

As we will be into the "ISA season" by then, hopefully, there will be some better rates available to transfer into.

purplestar133

molerat wrote: »

Just received my maturity notice from Virgin(NR), they obviously have enough cash in their coffers so do not need to keep my funds with them !! Another of my accounts moving to Santander, the decision is whether to put it into a new 2yr 3.1% or into my Iss9 3.3% and wait and see what next year brings.

Thanks for all your hard work Kazza242, saves us from having to do it :xmassign:

What sort code did you use for Virgin on your transfer out? I can find mention of two sort codes in the literature, but they are in reference to payments in and CHAPs. Does anyone else know what sort code I should quote when transferring out?

Also, I'm applying to transfer in to the M&S Advantage ISA and am a bit confused by the transfer form section where you have to put in your bank account details in case you want to withdraw money. I don't want to withdraw money at any point (I have other ISAs for emergency money) and I want to have my interest paid back into the ISA - do I have to complete this section?

Consumerist

purplestar133 wrote: »

Also, I'm applying to transfer in to the M&S Advantage ISA and am a bit confused by the transfer form section where you have to put in your bank account details in case you want to withdraw money. I don't want to withdraw money at any point (I have other ISAs for emergency money) and I want to have my interest paid back into the ISA - do I have to complete this section?

You may not intend, now, to make any withdrawals but the future is uncertain for any of us. It is likely you will not be allowed to open the ISA without the information they have asked for.

purplestar133

Consumerist wrote: »

You may not intend, now, to make any withdrawals but the future is uncertain for any of us. It is likely you will not be allowed to open the ISA without the information they have asked for.

I think my concern with it is that I don't want my interest paid into my current account, I want it paid into my ISA. This is the wording on the form:

"Complete this section so that amounts withdrawn from your account in the future, and your interest, if you have opted to have interest payments on the Fixed Rate Savings option paid out, can be paid directly to your bank/building society account."

I am not opting to have interest payments paid out (I am taking the variable rate option, not the fixed rate and "interest will be automatically credited to the Advantage cash ISA option annually"), so that's why I'm wondering if I need to fill this section in. Bit confused by the wording!