Cash ISAs: The Best Currently Available List

veryintrigued

ratechaser wrote: »

If it's 3% with no membership/location restrictions then I'm probably in either way :T

Thats doubtful. Suspect it will be branch only.

veryintrigued

davidm1 wrote: »

Nice!!! I got their 4%reg isa saver last year. Plan for this year would be transfer £300 from 2014/15 to HSBC is a for the £120. Open Nottingham 3% reg isa saver for 2015/16 drip feed from 2.4% Santander 123. Should get me 120+247+168= 3.51%

Similar drip feeding from poorer accounts plan for me too.

You could consider moving £1270 from the old R.S to the new one as your first payment too.

I know for a fact that another (normally decent paying) B.S is currently considering a R.S - fingers crossed its an even better rate.

ratechaser

veryintrigued wrote: »

Thats doubtful. Suspect it will be branch only.

I can live with that, there's a branch in Harpenden that I can get to without too much trouble (according to their website...). It's when the restrictions are around living in a certain area or postcode that it can become problematic...

veryintrigued

ratechaser wrote: »

I can live with that, there's a branch in Harpenden that I can get to without too much trouble (according to their website...). It's when the restrictions are around living in a certain area or postcode that it can become problematic...

The post code restriction they used to have seems to have been relaxed. Normally an interview/meeting job though.

Kazza242

Hi everyone.

The first post of this thread has been updated.

I noted that a few posters mentioned not being allowed to discuss regular saver ISAs on this thread, which is not the case. It is totally OK to discuss regular saver ISAs here.

Also to the posters who mentioned the thread title. It is actually cached and it won't allow me to amend how it appears on the ISAs & Tax-free Savings forum, but if you look at the title within the thread it is the " New Cash ISAs (NISAs): The Best Currently Available List".

wooried

Santander 1|2|3 customers can get 2.00% for two year ISA fix

silvercar

If people are looking at good customer service in combination with decent rates (relatively speaking), I opened a Coventry BS ISA over the phone today very easily. 2.25% fix to 30/11/18.

MrAnalogy

I am looking at the Coventry one at the moment and hoping they will offer something for 15/16.


My NatWest Fixed Rate ISA is maturing on the 8th April so need to do something with it rather that leave it in the .5% Instant Access it will be put into.


I am basically not a tax payer (might be in five years time but not likely before) so as the Coventry does not accept transfers in I was contemplating taking the money out of the ISA (thus lost for ISA purposes) and using it to pay it into a new ISA (I can not afford to put any new money into ISA this year or 15/16 anyway, so my net ISA holding is effectively unaffected).


Any problem with this, or better ideas please?


Thanks and Best Regards

jimjames

MrAnalogy wrote: »

I am looking at the Coventry one at the moment and hoping they will offer something for 15/16.


My NatWest Fixed Rate ISA is maturing on the 8th April so need to do something with it rather that leave it in the .5% Instant Access it will be put into.


I am basically not a tax payer (might be in five years time but not likely before) so as the Coventry does not accept transfers in I was contemplating taking the money out of the ISA (thus lost for ISA purposes) and using it to pay it into a new ISA (I can not afford to put any new money into ISA this year or 15/16 anyway, so my net ISA holding is effectively unaffected).


Any problem with this, or better ideas please?


Thanks and Best Regards

If you're not a tax payer and are prepared for some effort then you can get much better rates in current accounts from 3%-5% on up to £50k.

If you have under £15k in the ISA then you can get nearer 5% on most of it but if you want to retain an ISA wrapper then there is no problem withdrawing and putting into a new ISA if you haven't or won't use your allowance up.

MrAnalogy

Thanks for your views. I have looked at riding on the current account savings merry-go-round, but decided in the end that life was too short (not very money-saving I know!)!


Having looked at the rates on offer there does not seem much to beat the Coventry ISA rate outside the wrapper, so I might as well stick within it with £15k when it becomes available (saves hassle with R85s anyway )


Thanks again