Cash ISAs: The Best Currently Available List

gardenia101

Froggitt wrote: »

Sounds like a Halifax "Spam Your Customer" appointment.

Didn't take you long, did it :rotfl:

Froggitt

Nope.


I went in to open two Junior ISAs, and they wanted to subject me to a full SYC interview with a spotty young *advisor* that I wouldn't use to advise me on choices of cat food. I opened up with "No I don't want insurance, no I don't want investments, no I don't want anything else apart from Junior ISAs. If we cant proceed on those lines, please introduce me to your manager now".


How much does it cost them to have spotty open the account up, compared to what it would cost them to have me do it at home on tinternet? 100 times as much? 1000 times as much? I guess there are too many fools that will part with their money at these SYC sessions.

Archi_Bald

Froggitt wrote: »

I guess there are too many fools that will part with their money at these SYC sessions.

Exactly. They need just the occasional gullible punter, and the spotty advisor has earned his keep.

Archi_Bald

Nationwide Flexclusive ISA for people who were dropped from 4.25% to 2% in October is now going to 1.5% on February 1.

DragonQ

Archi_Bald wrote: »

Nationwide Flexclusive ISA for people who were dropped from 4.25% to 2% in October is now going to 1.5% on February 1.

How depressing. I guess I'll move it all to the Post Office or Virgin Money, depending on which is more likely to stay above 1.5% for the longest. Hopefully better ISAs will appear towards the end of March.

amiehall

DragonQ wrote: »

How depressing. I guess I'll move it all to the Post Office or Virgin Money, depending on which is more likely to stay above 1.5% for the longest. Hopefully better ISAs will appear towards the end of March.

Virgin have been very fair with their handling of my historic ISAs. While the rate has dropped, I couldn't beat it by switching.

KTF

DragonQ wrote: »

How depressing. I guess I'll move it all to the Post Office or Virgin Money, depending on which is more likely to stay above 1.5% for the longest. Hopefully better ISAs will appear towards the end of March.

I am going to move mine to First Direct to get 1.85% (wow) then see what deals (if any) come out nearer April with a view to moving it again.

Dustykitten

DragonQ wrote: »

How depressing. I guess I'll move it all to the Post Office or Virgin Money, depending on which is more likely to stay above 1.5% for the longest. Hopefully better ISAs will appear towards the end of March.

Completely agree with how depressing that is. Nationwide used to be quite good at giving existing customers slightly better rates, obviously that is a thing of the past.

KTF

Selftrade do a cash isa here:

http://www.selftrade.co.uk/get-started/choosing-an-account/isas/

1.96% and allows transfers in.

Account Name

• Selftrade Cash ISA - issue 1.

Interest rates

• Earn 1.96% AER, including 0.25% variable rate and 1.71% fixed rate bonus

Tax Status

• Tax free - interest is exempt from UK income tax.

Bonus details

• The bonus will be paid on the cash balance for a period of 12 months following the first deposit into the Cash ISA. More details

Withdrawal arrangements

• Easy access with unlimited withdrawals and no withdrawal penalties.

Access

• Online or by telephone.

Archi_Bald

You cannot apply for the Selftrade cash ISA as a new customer, and I doubt they are giving it to existing ones, either.