Cash ISAs: The Best Currently Available List

owitemisermusa

Baldur wrote: »

HMRC permits partial transfers of previous tax year's/years' Cash ISA funds but current tax year's funds must be transferred whole.

Only Halifax can answer your question, assuming that you are talking about previous tax years'/year's funds, as ISA managers are not obliged to accept partial transfers.

Thanks Baldur,
Rang Halifax again and spoke to someone else who confirmed that I could part-transfer previous year's ISA.
Phew! Last of the acceptable FRISAs so had to nab one.
Wonder if new and better FRISAs will emerge to tempt folks to deposit cash.
Already stung by BOE rate drops...

Inforapennyinforapound

Regarding the last post...I visited the Halifax today and opened a 5% fixed rate isa to transfer funds from another isa.

If i understood the last post correctly,the answer is 'yes' you can transfer part only. I have done just that so i can accesss some emergency money in the other isa whilst the Halifax is 'tied up' for 12 months.

Hope this helps.

Also i was told that the rate is guaranteed once the account is opened even though it may take 2 weeks to go through.

Baldur

Inforapennyinforapound wrote: »

Also i was told that the rate is guaranteed once the account is opened even though it may take 2 weeks to go through.

Other posters on these forums have been told that it's guaranteed for 30 days/60 days, depending on the CS agent with whom they have spoken.

Dustykitten

Thanks for all your comments - I feel really cross if I was told the wrong information regarding the ISA as it affected my decision to change. When I made the appointment the member of regular staff told me it would be guaranteed hence making the appointment and then it was the personal banker who told me it wouldn't be guaranteed and that the counter staff did not know all the details. Oh well, service at NatWest was much better and taking into account somebody else in the Halifax was having a right hissy fit about an account the branch had closed in error maybe it's not all bad.

VardreRFC

Halifax Fixed rate ISA now 4% or 4.5% for £30,000+

tiptoe_mouse

MarkyMarkD wrote: »

Kazza - you are showing Principality as 5.50% "new rate" but this rate was set on 01/11/08 and has definitely been reduced to 4.05% - they told me this by phone on Monday. They seem to be deliberately not updating MoneyFacts in order to con people into opening accounts with them, which is very naughty. Banking Code requires them to update their website within 3 days - so bet you that it gets changed tomorrow.

Very strange. It's still showing as 5.5% on their website today, plus I rang them and after spending a very long time on hold was told it was still 5.5%. I had to end the conversation quickly, though, so I didn't get chance to ask him to double check, or take his name, or anything useful like that.

tiptoe

Optimist

tiptoe_mouse wrote: »

Very strange. It's still showing as 5.5% on their website today, plus I rang them and after spending a very long time on hold was told it was still 5.5%. I had to end the conversation quickly, though, so I didn't get chance to ask him to double check, or take his name, or anything useful like that.

tiptoe

It has definitely gone down on their website now


http://www.halifax.co.uk/isas/fixedrateisa.asp

Baldur

tiptoe_mouse wrote: »

Very strange. It's still showing as 5.5% on their website today, plus I rang them and after spending a very long time on hold was told it was still 5.5%. I had to end the conversation quickly, though, so I didn't get chance to ask him to double check, or take his name, or anything useful like that.

See https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=179265

Principality BS

E-SAVER and E-ISA will reduce w.e.f. 8.12.08. E-SAVER: 4.51% (-.084%). E-ISA: 4.50% (-1.45%).
05 Dec 2008

<Edit> The -1.45% reduction shown would suggest that someone at eMoneyfacts mistyped '4.50%' rather than '4.05%'

tiptoe_mouse

Optimist wrote: »

It has definitely gone down on their website now


http://www.halifax.co.uk/isas/fixedrateisa.asp

Except that I was referring to the Principality ISA - see the quote in my post.

tiptoe

tiptoe_mouse

Baldur wrote: »

See https://www.emoneyfacts.co.uk/news/savings-news.aspx?newsarticleid=179265



<Edit> The -1.45% reduction shown would suggest that someone at eMoneyfacts mistyped '4.50%' rather than '4.05%'

Cheers - that's cleared up the confusion.

tiptoe