Top Cash ISAs Discussion Area

BargainHunter_2

1 year fixed at 3.5%

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1237908323140&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_ViewSelector

Any pitfalls that are obvious with this?

Thanks

shads1973

Need to fix that direct link :j

vixen1500

keeping a look out for a good savings rate - isa or ordinary as non tax payer

bullinn1

I already posted this in another thread, sorry ...

Hi chaps - I have several, probably very dumb, questions ... I have a cash ISA with Santander, I've just received a letter from them saying the rate will go from 3.3 to 2.5 on 23 March, if I transfer it to another provider before then will I be penalised ?

I also have a cash ISA with Nat West that is only paying 2.5 so I went to NW and said I was going to transfer it all to Nationwide (inc the Santander amount) the lady at Nat West said if I transferred Santander and my existing Nat West ISA to a new account with them (NW) I could get 4.3 on a 3 year tie-up.

Sounds good but am I missing something (and there is no mention of it on this site in the ISA section).

Any advice really appreciated - I have an appointment with there ISA Queen (no not ICE Queen ISA Queen) on Thursday to start the ball rolling .... Roger

blueberrypie

rogertb wrote: »

I already posted this in another thread, sorry ...

Hi chaps - I have several, probably very dumb, questions ... I have a cash ISA with Santander, I've just received a letter from them saying the rate will go from 3.3 to 2.5 on 23 March, if I transfer it to another provider before then will I be penalised ?

Depends if it's a fixed-rate ISA or easy-access. If the latter, the interest will be added when it's transferred/closed, so no penalty.

I also have a cash ISA with Nat West that is only paying 2.5 so I went to NW and said I was going to transfer it all to Nationwide (inc the Santander amount) the lady at Nat West said if I transferred Santander and my existing Nat West ISA to a new account with them (NW) I could get 4.3 on a 3 year tie-up.

Sounds good but am I missing something (and there is no mention of it on this site in the ISA section).

NatWest is offering 4.2% on a 3-year fix, which is probably the one she mentioned - however it's not as good as it looks, as you don't get this interest rate right away. Have a look at this thread - https://forums.moneysavingexpert.com/discussion/3769837

ejv

rogertb wrote: »

I also have a cash ISA with Nat West that is only paying 2.5 so I went to NW and said I was going to transfer it all to Nationwide (inc the Santander amount) the lady at Nat West said if I transferred Santander and my existing Nat West ISA to a new account with them (NW) I could get 4.3 on a 3 year tie-up.

Hi rogertb,
I did the transfer and 3 yr lock in for 4.2% at Natwest last week , when the deal was advertised to end on Feb 29th. You're right-- this wasn't shown on MSE, but I got the link from moneysupermarket.The following Natwest link says that deal is still on
http://www.natwest.com/personal/savings/g2/isas/fixed-rate.ashx

ryath

Hi guys - I have a question.

I have a Natwest e-Isa account that was opened before 14 May 2009 so I did attract a higher rate of 2.75%. However, NatWest have raised the rate on balances under £10,000 to 3% inclusive of a 1% fixed bonus for accounts opened after 1 March.

Would I be allowed to open a new NatWest e-Isa account and transfer the funds from my existing NatWest e-Isa account?

Apologies if I posted in the wrong thread.

KTF

As far as I know the e-ISA is an instant access account so you can move your money as/when you like.

I would check that the new ISA allows transfers in from other NatWest products though as it might be for new money only.

ryath

Thanks for your reply KTF.

I've been told by an advisor on NatWest webchat that it's for customers who do not already hold a NatWest e-Isa so it looks like Santander's 3.3% Isa might be on the cards.

BargainHunter_2

Link fixed now

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1237908323140&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_ViewSelector

Santander
1 year fixed at 3.5%

Any pitfalls to this- apart from being tied in/90 day penalty for withdrawal?