We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

ISAs with guranteed rates?

I currently have my ISA with if, i liked them because they track the base rate.

Seems now though that a few ISAs are paying above the base rate. Do any of them track above the base rate like icesave? With two more rises likely by early next year I don't want the bother of having to move multiple times.

Any suggestions?

Comments

  • Mr_Mumble
    Mr_Mumble Posts: 1,758 Forumite
    "The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.
  • padders_2
    padders_2 Posts: 54 Forumite
    It seems that of those, they either don't let you transfer in, are an introductory offer only or can't be operated online. I can't really see one then that beats IF unfortunatly.
  • Aegis
    Aegis Posts: 5,695 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I think NS&I's is guaranteed to stay 0.55% above the base rate until April 2008, so that might be a good start for finding a new tax haven for your hard-earned money?

    http://www.nsandi.com/products/disa/index.jsp
    I am a Chartered Financial Planner
    Anything I say on the forum is for discussion purposes only and should not be construed as personal financial advice. It is vitally important to do your own research before acting on information gathered from any users on this forum.
  • Froglet
    Froglet Posts: 2,798 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    padders wrote: »
    I currently have my ISA with if, i liked them because they track the base rate.

    Seems now though that a few ISAs are paying above the base rate. Do any of them track above the base rate like icesave? With two more rises likely by early next year I don't want the bother of having to move multiple times.

    Any suggestions?

    I too have my previous years allowances with IF and since the NSI Isa came out,have put 2 years in there as well.However i too would like to change to a higher rate but it would have to be worth changing,so needs to be at least .50% higher.Seems the only way forward there is to fix,but with rates probably still rising i am reluctant to commit yet.Also would prefer not to tie in as then if i needed money out i would have to dip into the NSI Isa.
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.7K Banking & Borrowing
  • 253.4K Reduce Debt & Boost Income
  • 454K Spending & Discounts
  • 244.7K Work, Benefits & Business
  • 600.1K Mortgages, Homes & Bills
  • 177.3K Life & Family
  • 258.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.