Cash ISAs: The Best Currently Available List

innovate

This thread isn't the best place for a rant against HSBC's ISA, but since you started....

You had a lot of problems with an ISA with HSBC before, they never figure at the top of the interest payers, yet you still want to deposit further ISA money with them, as opposed to with another provider.

So you have decided to go with HSBC, you have to play by their rules. One of their rules is that you have to print, fill in, sign and post/hand-deliver the reactivation form to them. They do tell you about this in their 'key product information' about their ISA.

If you already have an HSBC Cash e-ISA, but haven't subscribed to it in the last tax year (6 April 2011 - 5 April 2012), you won't be able to subscribe in the current tax year (6 April 2012 - 5 April 2013).
To reactivate your ISA and make further subscriptions, please download the
Cash e-ISA Reactivation Form (PDF) PDF download. This link will open in a new browser window.
Return it to us by post to the address on the form or drop in to your local branch. If you need help with filling in the form, just ask a member of staff – they'll be happy to assist you

If you don't want to go through all that hassle, there are ISA accounts which you can open entirely online, and they pay better interest than the HSBC one.

boobbby

Maybe Kazza could consider for his list the Cheshire Building Society variable ISA Saver which allows transfers, for the following reasons. Their rate of 2.5% is slightly lower than others on the list but is the only one with a guarantee to pay the rate until 31 July 2014. If ISA's from other providers mature than you can transfer them into this ISA. Finally if another provider should give a better rate there is no withdrawal restrictions so can easily and quickly be transfered.

innovate

NS & I Direct ISA 2.25% AER variable

Instant access
Min opening deposit £100
Internet and phone
Transfers-in: from NS&I Cash ISA only

Optimist

Note that Beverley Building Society no longer accepts transfers in for their cash isa.

amiehall

GreenBitterfly wrote: »

Is it a fixed rate one or an easy access ISA?, as I have an easy access ex-Northern Rock ISA at 2.80% and the rate hasn't dropped as yet, and I've had no communication with them about it dropping either.

I have one of these as well. I had a fixed rate mature and was given the options previously listed but when I called them about it, they transferred the expired fixed rate into this account with no problems. Long may it go unnoticed!

Kazza242

Hello everyone.

The first post has been updated. I have added some additional ISAs to the list and updated the existing ISA interest rates.

Consumerist

Well, the ISA season should be on its way soon.

Is that a ticking fart I hear?

innovate

What makes you think the ISA season has not been cancelled this year?

amiehall

innovate wrote: »

What makes you think the ISA season has not been cancelled this year?

I really want to fix again. Not at these rates though

The_Enforcer

It certainly looks like curtains for using ISAs as the main resting place for my savings. My old ISA savings are currently earning 3.3% with instant access, I can't even match that now if I fix for 5 years!

New savings aren't coming along easily to me recently, so I've been using regular ISA savings for new money - Nottingham BS have been giving me 5% this year (in addition to the First Direct Regular Saver 6% after tax), but I'm not sure if the current best of 3% will be topped by April.

Peer to peer lending, even with all the risks attached, is looking increasingly like a more viable option.