Tell us you cash ISA questions

gwapenut

Thanks, I did know that, but unfortunately not my provider. Can't complain too much at 4% instant access though!

veryintrigued

gwapenut wrote: »

Thanks, I did know that, but unfortunately not my provider. Can't complain too much at 4% instant access though!

Thats a cracking rate - the only cash regular saver ISAs launched last year (that i remember) at 4% were by Saffon and Nottingham.

Think the later allowed top ups at the end of the year and the former no penalty for early withdrawal.

Therefore I reckon its the Saffon you have. Am very wrong arent I ;-)

gwapenut

Nope, spot on! You know your ISAs

veryintrigued

gwapenut wrote: »

Nope, spot on! You know your ISAs

Its one I was toying with - instead went with the Notts one.

Both good offers - fingers crossed they both offer the same this year.

RobStaffs

Has anyone switched from stocks and shares ISA's back into Cash ISA's since the rules changed ?

Archi_Bald

That would be a wonderfully strange thing to do in the current interest rate climate.

RobStaffs

Archi_Bald wrote: »

That would be a wonderfully strange thing to do in the current interest rate climate.

In a way it does but the new rules allow it. What you also know is that stocks and shares have a range of platform and fund charges, added to this a degree of risk. At least with Cash ISA you have a degree of certainty and can plan accordingly. If you assume inflation wont change that much then having an accumulated ISA tied up for three to five years might be an option.

howlingwhale

Looking to get a new cash ISA for this year. The first paragraph on the MSE ISA page (next to the blue cupcake) says that there is up to 3% to be had but I can't find 3%...only seem to be able to find 2.5%...am I missing something?

jimjames

howlingwhale wrote: »

Looking to get a new cash ISA for this year. The first paragraph on the MSE ISA page (next to the blue cupcake) says that there is up to 3% to be had but I can't find 3%...only seem to be able to find 2.5%...am I missing something?

Maybe a fixed rate?

Do you actually need an ISA or would accounts paying more outside be better?

pow-lo

Hi all,


Opened a fixed 2.6% to Nov 2018 Coventry BS ISA in this tax year, but due to unforeseen circumstances was not able to pay into it during the 7 day window after the account was opened. Would I be able to open another ISA with them (fixed again but lower rate @ 2.25%) or even another provider and pay money in before April? I have not paid or transferred any money into any ISA account this year.