Top Cash ISAs Discussion Area

takethemon

thanks for that. just beat their deadline.

Consumerist

takethemon wrote: »

just beat their deadline.

It might be wise to confirm the rate you're going to get before subscribing. Technically, an ISA isn't "open" until you have subscribed/transferred-in to the account.

leaphaze

Consumerist wrote: »

It might be wise to confirm the rate you're going to get before subscribing. Technically, an ISA isn't "open" until you have subscribed/transferred-in to the account.

That's right, and if it turns out you'd get the lower rate and you could get better elsewhere, go elsewhere. Applying for an ISA does not commit you to paying money into it.

invbs

If you apply for the M&S fixed rate bonds on their website a message appears saying that they are changing the rates and you have to invest before 8 November to get the rates available now.

chillerman

Hi all. Looking to take out an isa for the wife and I. Thinking of the M & S fixed 2 yr rate at 3.1%. Just a quick questain as to how easy they are to set up and is this the best at the moment.
Thanks for any advise given.

innovate

chillerman wrote: »

Hi all. Looking to take out an isa for the wife and I. Thinking of the M & S fixed 2 yr rate at 3.1%. Just a quick questain as to how easy they are to set up and is this the best at the moment.
Thanks for any advise given.

Might be worth ploughing through this thread on the M&S saver as there seems to be some problems with opening it:-
http://forums.moneysavingexpert.com/....php?t=4227869

Obviously a different account, but ISAs could be handled by the same team.

GPR

Both Saga 3 year fixed Rate ISA` (need to be over 50 years of age) which is current up to 3.3% and the Post Office 3 year fixed rate ISA`S (3.25%) are ending at close of business today. Saga just needs you to phone and apply and they send you application form BUT the post Office needs you to get form from post Office and complete all by close of business today.Penalties exist for early closure of both accounts.
I think these are the best fixed rate accounts available though M and S have one but unable to get through on the phone and dont think they are a safe place to save.
GPR

takethemon

i got the quoted rate of 2.8%.
thanks

gvlewis

SAGA now have only have a

3 Year Fixed Rate ISA offering a rather paltry 2.75% AER

and a

Variable Rate ISA - 2.7% AER which includes a fixed bonus of 1.10% for the first 18 months if you choose yearly interest.

No other Cash ISAs available with SAGA at this point in time. POST OFFICE have no replacement as yet.

Seems like the best Fixed Rate ISAs currently are with M&S who are paying:

1 Year Fixed: 2.80% AER

2 Year Fixed: 2.90% AER

3 Year Fixed: 3.00% AER.

Also worth considering is Mansfield Building Society who are offering 2.85% fixed over one year but crucially they do not accept ISA transfers.

INSPIRED

I took out a Northern Rock Isa last November - they were taken over by Virgin. Now that the 1 Year Fixed period is coming to an end, Virgin are offering 3.00% for another year.

I have not seen any mention of this offer on here. It seems like a good offer but you may know differently! I do not want to fix for more than 1 year and can't find anything better.

Though ... the Santander 123 is offering 3.3%. It would not pay me to switch to the 123 account.