We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Cash ISAs: The Best Currently Available List

1417418420422423969

Comments

  • beefturnmail
    beefturnmail Posts: 930 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Kazza242 wrote: »


      Variable Rate Cash NISAs that accept transfers in:


      [*]Punjab Bank Variable Rate Cash ISA - 1.65%
      Rate guarantee? No. Rate effective from: 01/04/2014.
      Minimum deposit: £1. Operated via: Branch.


      [*]Danske Bank Cash ISA - 1.60%
      Rate guarantee? No. Rate effective from: 01/06/2015.
      Minimum deposit: £30,000 (to qualify for the higher rate). Operated via: Branch, Internet or Post.
      Notes: 0.40% is paid on balances totalling £1 - £29,999.


      [*]Monmouthshire BS Cash ISA 7 - 1.50%
      Rate guarantee? No. Rate effective from: 09/03/2015.
      Minimum deposit: £10. Operated via: Branch, Internet and Post.
      Notes: Available to existing customers and/or locals (Postcode areas: NP, CF, SA, LD, WR, GL, HR and BS).


      [*]Post Office Online ISA Easy Access (issue 5) - 1.25%
      Rate guarantee? No. Rate effective from: 09/03/2015.
      Minimum deposit: £100. Operated via: Branch, Internet and Post.
      Important: Rate includes 0.80% bonus for 12 months.


      Punjab ISA rate is dropping to 1.45% from the 30th April 2016
    • Rich2808
      Rich2808 Posts: 1,400 Forumite
      Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
      According to my local branch the 3 per cent Saffron BS regular saver ISA will be available to eligible members from tomorrow. You can apply in branch or by post.

      Details should be on their website tomorrow morning.
    • Jimmithecat
      Jimmithecat Posts: 253 Forumite
      Tenth Anniversary 100 Posts Name Dropper I've been Money Tipped!
      Rich2808 wrote: »
      According to my local branch the 3 per cent Saffron BS regular saver ISA will be available to eligible members from tomorrow. You can apply in branch or by post.




      Thanks for posting this rich - this is the one I will be going for - it's the best of a bad lot this year - and saffron are great to deal with
    • Kazza242
      Kazza242 Posts: 2,203 Forumite
      Part of the Furniture 1,000 Posts Photogenic Name Dropper
      Rich2808 wrote: »
      According to my local branch the 3 per cent Saffron BS regular saver ISA will be available to eligible members from tomorrow. You can apply in branch or by post.

      Details should be on their website tomorrow morning.

      Details about the Saffron BS Members' Regular Saver Cash ISA (paying 3.00%) are on their website as of today. See here.

      I have added the ISA to the first post.
      Please call me 'Kazza'.
    • fraz101
      fraz101 Posts: 43 Forumite
      Al Rayan bank is it covered by UK government for loss?

      Anything I should know before going ahead?
    • Froggitt
      Froggitt Posts: 5,904 Forumite
      Isnt that the Sharia scheme? The rate isnt guaranteed.
      illegitimi non carborundum
    • colsten
      colsten Posts: 17,597 Forumite
      10,000 Posts Seventh Anniversary Photogenic Name Dropper
      fraz101 wrote: »
      Al Rayan bank is it covered by UK government for loss?
      It's not the government that provides the protection, but the FSCS which is an industry scheme.
      http://www.fscs.org.uk/

      I believe Al Ryan is covered but you need to confirm this with them.
    • fraz101
      fraz101 Posts: 43 Forumite
      double post
    • fraz101
      fraz101 Posts: 43 Forumite
      Froggitt wrote: »
      Isnt that the Sharia scheme? The rate isnt guaranteed.

      What's the sharia scheme
    • someone
      someone Posts: 839 Forumite
      Part of the Furniture 500 Posts Name Dropper
      If there is FSCS protection might be worth considering it may not cover the interest/profit with it been a 'target'.

      When Dot Com Unity Credit Union had to use the scheme everyone was paid their capital plus the interest at the rate advertised. https://forums.moneysavingexpert.com/discussion/4938603

      Not sure what would happen in the case of Al Rayan having to use the FSCS.
    Meet your Ambassadors

    🚀 Getting Started

    Hi new member!

    Our Getting Started Guide will help you get the most out of the Forum

    Categories

    • All Categories
    • 352.1K Banking & Borrowing
    • 253.5K Reduce Debt & Boost Income
    • 454.2K Spending & Discounts
    • 245.1K Work, Benefits & Business
    • 600.7K Mortgages, Homes & Bills
    • 177.4K Life & Family
    • 258.9K Travel & Transport
    • 1.5M Hobbies & Leisure
    • 16.2K Discuss & Feedback
    • 37.6K Read-Only Boards

    Is this how you want to be seen?

    We see you are using a default avatar. It takes only a few seconds to pick a picture.