Online account

Guesthouse

Hi MS experts.

I'm looking for online access Cash ISA & savings accounts. 1yr fix is my normal preference and I'd like to add to it throughout the year i.e. not within the first 30 days etc.

Anyone any recommendations? All the best ones I see on MSE are branch or phone only.

Cheers

Gromitt

If you only want ones you can apply for online then your not going to get the best rates. I'd say you'd get about 2.8% for your ISA and 2.2 - 2.3% for your savings. You just missed out on the 2.5% and 2.75% savings rates.

It might be better to use a current account instead of a savings account: Both TSB and Santander offer 3% (with restrictions and limitations)

poolforever

Cheshire Platinum offering 3% online.

This site won't allow me to post the link for some reason?

evenasus

Guesthouse wrote: »

Hi MS experts.

I'm looking for online access Cash ISA & savings accounts. 1yr fix is my normal preference and I'd like to add to it throughout the year i.e. not within the first 30 days etc.

Anyone any recommendations? All the best ones I see on MSE are branch or phone only.

Cheers

Fixed rates do not normally allow you to add funds throughout the year. They often allow 7 days or so from opening.

Gromitt

poolforever wrote: »

Cheshire Platinum offering 3% online.

Doesn't seem like its available anymore, and Googles cache has "Apply in branch".

poolforever wrote: »

This site won't allow me to post the link for some reason?

Your new, thats why. But if you copy and paste only a part of the address, it'll be fine. For example, remove http and include spaces between slashes.

psychic_teabag

Perhaps a notice account as a compromise between rate and access. Not quite sure why online access is important : you can probably push money in using sort code and account number, and you don't need to withdraw. Other access shouldn't much matter . When you transfer out, you'll be dealing with the new provider rather than the one you choose now.

Coventry are offering a (relatively) good rate for their 60-day-notice account. If they allow notice to lapse, you could consider putting in notice at the end of January speculatively, in case there are better rates available come March/April (or just to transfer to a fixed-term account anyway).

waiax73

I've signed up with lloyds recently and have the same question.... any help from MS experts, please?