Cash ISAs: The Best Currently Available List

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  • mitten_2
    mitten_2 Posts: 57 Forumite
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    I really don't know which ISA to go for. I have £3000 to invest which i don't imagine i will be needing to cash in for at least 3 years.
    I have bank accounts with Halifax, Natwest and LLoyds, so i wonder if it'd be best to get an ISA with one of those providers? Yearly interest would be fine as i understand they offer a better interest rate than monthly?

    I would appreciate any advice as I am truly hopeless when it comes to money. :(
    x
  • mitten_2
    mitten_2 Posts: 57 Forumite
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    I am thinink of the Yorkshire bank e-ISA...
  • afro_2
    afro_2 Posts: 146 Forumite
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    Looks like the Halifax fixed rates have dropped slightly today.
    1 Year 6.05%
    2 Years 6.20%
    3 Years 6.20%
    4 Years 6.20%
    All my views are my monkey's views. I give advice on behalf of my pet monkey and do I give banana related advice. All my posts are my monkey's opinion and no-one else's.
  • Kazza242
    Kazza242 Posts: 2,169 Forumite
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    mitten wrote: »
    I am thinink of the Yorkshire bank e-ISA...

    Do you mean the Yorkshire Building Society e-ISA? If so, this is a good option paying 6.05% interest. If you don't mind operating your ISA by post, also consider the Kent Reliance Direct ISA, paying 6.21%. In your post above, you said that you could tie up your money for up to 3 years, so perhaps a fixed rate ISA could also be a good option.

    Of the three banks you've mentioned, Halifax's fixed rate offerings are worth a look.

    Check out the first post in this thread as well as the links for more ideas.
    Please call me 'Kazza'.
  • Kazza242
    Kazza242 Posts: 2,169 Forumite
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    The first post in this thread has been updated to include the new e-ISA from NatWest Bank, paying 6.00% AER. It doesn't accept transfers in. It offers a very competitive rate, especially if you're already a NatWest customer.
    Please call me 'Kazza'.
  • DemiDee
    DemiDee Posts: 524 Forumite
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    I notice that HSBC and First Direct haven't been mentioned.
    Does anyone know their ISA rates and how they compare
    to others on here?

    Dee
  • RayWolfe
    RayWolfe Posts: 3,045 Forumite
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    Try here:
    http://www.moneyfacts.co.uk/savings/default.aspx
    It will give you all the rates, but if you want HSBC and FD only, it is a simple matter to look up their web sites.
  • Jonbvn
    Jonbvn Posts: 5,562 Forumite
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    DemiDee wrote: »
    I notice that HSBC and First Direct haven't been mentioned.
    Does anyone know their ISA rates and how they compare
    to others on here?

    Dee

    HSBC is at 5.55% AER (poor)
    FD is at 5.25% AER (even poorer)

    There are much better mini cash ISA's than both of these.
    In case you hadn't already worked it out - the entire global financial system is predicated on the assumption that you're an idiot:cool:
  • soulandy
    soulandy Posts: 163 Forumite
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    does anyone know what interest rates in the Abbey postal ISA are? Can't seem to find anything anywhere
    Cheers
  • soulandy
    soulandy Posts: 163 Forumite
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    soulandy wrote: »
    does anyone know what interest rates in the Abbey postal ISA are? Can't seem to find anything anywhere
    Cheers
    it's ok, I've just found it here http://www.abbeynational.co.uk/csgs/Satellite?cid=1110965066360&pagename=Abbey%2FGSAgrupAsset%2FGS_ProductosRetirados
    think I'll be moving it
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