Halifax Cash ISA: 2% for 18 months

PeacefulWaters

I've posted in the tax free section too (hopefully nobody is offended!).

Might get worth a nibble for those who don't do 123 with Santander... 2.05% for two years as well.

1.55% for easy access.

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

Looking around the big players there's not much happening.

I like what they've done online to save time for existing customers with a maturing ISA.
http://www.halifax.co.uk/isas/options-for-existing-customers/convert/

Drp8713

Virgin have written to me to say they are reducing my Easy Access ISA interest rate from 2% down to 1.5%, i want to move it out of principle.

Its my emergency fund so cant fixed rate or S&S ISA it. Just got a clarity to maybe Halifax is worth a go.

Tempted just to put it with HL as my S&S ISA and SIPP is there, they offer 0.5% above base rate, so depends on whether interest rates will jump from 0.5 to 1 or be staggered

2010

PeacefulWaters wrote: »

I've posted in the tax free section too (hopefully nobody is offended!).

Might get worth a nibble for those who don't do 123 with Santander... 2.05% for two years as well.
http://www.halifax.co.uk/isas/cash-i...a-saver-fixed/

1.55% for easy access.
http://www.halifax.co.uk/isas/cash-i...-saver-online/

Looking around the big players there's not much happening.

I like what they've done online to save time for existing customers with a maturing ISA.
http://www.halifax.co.uk/isas/options-for-existing-customers/convert/

The first two links don`t work.

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

Archi_Bald

Drp8713 wrote: »

Virgin have written to me to say they are reducing my Easy Access ISA interest rate from 2% down to 1.5%, i want to move it out of principle.

Its my emergency fund so cant fixed rate or S&S ISA it. Just got a clarity to maybe Halifax is worth a go.

Tempted just to put it with HL as my S&S ISA and SIPP is there, they offer 0.5% above base rate, so depends on whether interest rates will jump from 0.5 to 1 or be staggered

So you want to move out of principle from 1.5% to 1%, in case interest rates might rise sometime in the future?

Drp8713

Archi_Bald wrote: »

So you want to move out of principle from 1.5% to 1%, in case interest rates might rise sometime in the future?

Interest rates will rise sometime next year, or so we are led to believe.


So yes, for the sake of £5 per £1000 (of which I do not have many) difference, im tempted to gamble on a variable rate linked to base rate.

Archi_Bald

You have probably made your mind up regardless already but I find the "principle" of going from 1.5% to 1% not easy to understand, on principle, lol. Particularly since you could have another index tracker at 1.5%.

http://www.krbs.com/products/savings-and-isas/isas/tracker-isa/two-year-tracker-isa-issue-6/

I know already what your answer to that one is.

2010

Have you logged into your Virgin account because what`s on offer there is different to what`s on offer to new customers.
I noticed yesterday the 3 year ISA fix at 2.4% was on offer (to me) although it was pulled a couple of weeks ago to new customers.
There were also other accounts with higher rates to existing members.

traineepensioner

"Virgin have written to me to say they are reducing my Easy Access ISA interest rate from 2% down to 1.5%, i want to move it out of principle." - Virgin are offering:
2% fixed rate until 15/02/2015 (issue 83)
2.4% until 15/02/2017 (issue 84)
and 3% until 15/02/2019 (issue85)

I'm going for issue 83 in the hope that rates will rise next year

Mee

Archi_Bald wrote: »

You have probably made your mind up regardless already but I find the "principle" of going from 1.5% to 1% not easy to understand, on principle, lol. Particularly since you could have another index tracker at 1.5%.

http://www.krbs.com/products/savings-and-isas/isas/tracker-isa/two-year-tracker-isa-issue-6/

I know already what your answer to that one is.

Also, second KRBS on customer care and security.