Cash ISAs: The Best Currently Available List

MARTYM8`

Biggles wrote: »

It's reappeared as a 2-year fix at 1.25% http://www.leedsbuildingsociety.co.uk/savings/isa-tax-free-accounts/2-year-fixed-rate-isa/

The Clydesdale/Yorkshire bank one year fixed rate bond ISA paying 1.35% has also been removed from their website. It had been branch only openings for the last couple of weeks anyway.

http://www.cbonline.co.uk/personal/savings/tax-efficient-savings/cash-isa-fixed-rate-bond/

gt94sss2

MARTYM8` wrote: »

M&S Cash advantage isa has also been reduced from 1.3% (page 1) to 1.1%.

Falling from 18 October 2016 when the rate will be 0.80%

gt94sss2

MARTYM8` wrote: »

Nationwide have now reduced the rate on their flexclusive isa to 1.2% from 1.3% for new accounts - this now being issue 13.

Nationwide now have a issue 14 which pays 0.95%

bxboards

The following account has now been reduced to 1.50%

Nationwide Fixed Rate ISA - 1.60%
Minimum deposit: £1.
Notes: Fixed for five years from account opening.

darren72

badger09 wrote: »

Staying off topic:o

Many of us cycle money through multiple accounts - lots of information available.

I assume your 'main';) current account is with FD? No interest:(.

An upgrade of a dormant Lloyds account to Club Lloyds is a possible start.

Also take a look at Nationwide Flexdirect 5% on £2500 (only for a year though) with a linked 5% regular saver, and TSB Classic Plus 5% on £2k. A couple of Tesco 3% on £3k are also useful with no DD or minimum monthly funding requirements.

Thank you - Sounds good.

Does the Nationwide Flexdirect account have DD requirements ?

VfM4meplse

Am really p*ssed off at the lack of options. Coincidentally I had just transferred an old cash ISA into my FD at the end of last month, stupidly thinking I could go away contented. Just a few days later and this happens.

Bank of Cyprus, anyone? I'm encouraged it has UK protection and branches in the City Of London, but can it be trusted?

badger09

darren72 wrote: »

Thank you - Sounds good.

Does the Nationwide Flexdirect account have DD requirements ?

What did the T&C say when you read them?


http://www.nationwide.co.uk/products/current-accounts/flexdirect/features-and-benefits

smallfry27

Nationwide are knocking .25% off all variable rates as from 1 September. I guess others will follow.

Edit: If rate already at .25%, it will be .1 %

MiserlyMartin

Letter from Coventry BS arrived today telling me of a cut from 2.15% to 1.75 % on Privilege ISA. I think this is disgusting. A 0.4% rate cut instead of 0.25% !! How do they justify this?

I would like to see a bank/BS with principles eg the CE of RBS who hinted at balancing the needs of savers too. Savers have sacrificed enough time and time again to bail out borrowers. Enough is enough. The borrowers should swallow this rate cut, not savers this time. Rates were 0.5% from zero for goodness sake!

eskbanker

MiserlyMartin wrote: »

Letter from Coventry BS arrived today telling me of a cut from 2.15% to 1.75 % on Privilege ISA. I think this is disgusting. A 0.4% rate cut instead of 0.25% !! How do they justify this?

Since when have ISA rates tracked base rate changes exactly? You may not have noticed but all providers' cash ISA rates have decreased significantly over the past seven years of static base rate so there isn't the direct correlation you seem to feel there should be. As ever, if you're unhappy, vote with your feet....