Cash ISAs: The Best Currently Available List

Archi_Bald

Yes of course there are current accounts that pay 5% AER. There is also a Regular Savings account that even pays 6% AER.

marathonic

Archi_Bald wrote: »

Yes of course there are current accounts that pay 5% AER. There is also a Regular Savings account that even pays 6% AER.

I'm well aware of both. Doesn't take away from the fact that opening the 3% Regular Saver ISA can be a good move today.

Froggitt

Archi_Bald wrote: »

And here goes my broken record again....... I fail to see what the mad rush is to get 2014-15 money into cash ISAs before April 5 2015, given that most people will be able to get better interest in current accounts

No interest in setting up another 5 or 6 current accounts, with standing orders between them all.

liver-bird

hgt wrote: »

Looks to still be available here (2% + 1% bonus) - http://www.newcastle.co.uk/savings/big-home-saver.aspx

Cheers. I was looking under ISAs!

Save3

It seems that I'd be better off using my Santander 123 3% and taxed 20% (2.80%) than to save in a 2.75 fix for 3 years isa. Am I right? Or am I missing something. Please help.

MS1950

Save3 wrote: »

It seems that I'd be better off using my Santander 123 3% and taxed 20% (2.80%) than to save in a 2.75 fix for 3 years isa. Am I right? Or am I missing something. Please help.

3% - 20% of 3% = 2.4%.

10_66

Hanley appear to have withdrawn their 60 day notice cash ISA (1.85%), as there's now no mention of it on their website and the link in the first post no longer takes you to it.

Jo4

Should my friend move their Santander ISA (Issue 5) to Santander Direct ISA - or should they wait until July when the new ISA becomes available? Are there any problems when upgrading a Santander ISA?

badger09

Jo4 wrote: »

Should my friend move their Santander ISA (Issue 5) to Santander Direct ISA - or should they wait until July when the new ISA becomes available? Are there any problems when upgrading a Santander ISA?

Can't say whether your friend should move their ISA to the Santander Direct ISA Saver, but as this is an instant access product your friend can continue to pay into it after the new allowance is introduced on 1 July.

Upgrading existing Santander ISAs to a new Santander ISA product is simple. Your friend just needs to follow the links on Santander's website, or phone them, or call into one of their branches

liver-bird

I'm still torn between getting a fixed for 5 years (which at let's fact is still a poor rate of 3% max), and getting a shorter-term fixed (say 2 or 3) then hoping the fixes then will be better (so 2 years at 2% then maybe 3 years at 4%).

Thought I'd have a look at the variables instead but they pay even less - about 0.5% or so in many cases.

Unless something good comes up before Sunday!