Cash ISAs: The Best Currently Available List

veryintrigued

neil324 wrote: »

Anyone opened an ISA with the Punjab Bank.

Rate looks good for instant access.

I know it's branch only operated but can't seem to find a transfer form on their website.

Great service from them (last April) when I:

Opened an instant access cash ISA and transferred multiple non Punjab ISAs to them

They were kind enough to send me the forms by post as I was already a customer.

veryintrigued

So when is the clever money on institutions releasing their tremendously generous Cash ISA 2015/16 rates?

Will they wait until the budget in mid March so that they dont risk having to do the rework they needed last year after the (N)ISA changes announced in last years budget?

Froggitt

veryintrigued wrote: »

So when is the clever money on institutions releasing their tremendously generous Cash ISA 2015/16 rates?

March 2018........

Archi_Bald

Have you had magic mushrooms for breakfast? There is no reason for any ISA provider to bring out any great deals just because it's a new financial year.

veryintrigued

Archi_Bald wrote: »

Have you had magic mushrooms for breakfast? There is no reason for any ISA provider to bring out any great deals just because it's a new financial year.

I bet you'll be eating a magic mushroom flavoured hat when at least a couple of institutions release details of some 'decent' regular saver type of cash ISAs in a few weeks.

Up for that bet?

Archi_Bald

I fear we have wildly different definitions for 'decent'.

jimjames

veryintrigued wrote: »

So when is the clever money on institutions releasing their tremendously generous Cash ISA 2015/16 rates?

The clever money isn't using cash ISAs at all.

jimjames

Archi_Bald wrote: »

I fear we have wildly different definitions for 'decent'.

How about 5%? 10x the base rate sounds pretty good....

I'd be happy to bet no ISA will offer that this year.

veryintrigued

jimjames wrote: »

The clever money isn't using cash ISAs at all.

I remember the same arguments last year and two institutions came up with nisa regular savers at 4%.

At £1250 per month they suited me perfectly.

Mind you am a bit of a thicky.

Archi_Bald

A 4% regular saver that's available in a tiny geographical area for a limited period is no use at all for people throughout the country who are looking to put £15,240 away on April 6, or to people who are looking for regular deposits but don't live in the tiny geographical area.