Top Cash ISAs Discussion Area

Herbalus

calypso_rhapsody wrote: »

Any one know why the KRBS instant access ISA paying 1.7% does not appear on the MSE list of top paying cash ISAs??

There is normally a bunch of providers offering accounts with similar savings rates. The MSE list has Britannia at 1.75% and Darlington at 1.7%. There probably isn't much point in including all of them.

I've got accounts that aren't emphasized on MSE as much as I think they deserve to be, which is a shame, but it puts the emphasis back onto us as responsible, financially-literate adults (it's what they want after all, right?;)) to find the best solution for ourselves.

Ironically that means less business for MSE, although savings haven't had affiliated links for ages.

EDIT: the KRBS actually does appear in the ethical section a little further down the page.

yesitwasme

Point of relative interest, to me..
Fidelity money builder dividend income has from 28 Jan this year, yes, that's 2 weeks and one day, has gone up 1.64%
Timings everything :-) cash ISA's? You can keep them!

Consumerist

yesitwasme wrote: »

Point of relative interest, to me..
Fidelity money builder dividend income has from 28 Jan this year, yes, that's 2 weeks and one day, has gone up 1.64%
Timings everything :-) cash ISA's? You can keep them!

So we won't see you back on this thread then.

Protopia

ISA season is almost upon us, and if last year was anything to go by, the banks and BSs are about to announce their best ISA deals.

Last March I got a 3% 2yr fixed term rate - but didn't have the cash to deposit for this years allowance before they closed the offer. So I am waiting to see if I can get as good a rate again.

DragonQ

Somehow I'm not expecting another 4.25% account to appear. 2.5% if we're lucky.

boobbby

My wife's instant access ISA with Santander is coming to an end in March and it will automatically change to a new account name called an " ISA Saver" which she will get 2%. The reason for the higher interest rate is that she has £25,000 in her ISA. So another reason to build up the amount in an ISA.

Figgerty

I have a three year fixed ISA with Halifax which matures next week and am looking for a temporary home for it until I can start a new ISA combining next years allowance after 06 April. I am thinking of transferring the Halifax ISA of £41k to a First Direct ISA paying 2% until I find a 2 year ISA paying a reasonable rate after April 06th. I don't wish to fix for longer than 2 years as I feel the increase in interest rates after the general election will have worked through to better saving rates by then. Am I doing the right thing.

I also have another ISA with Skipton. This is a 2 year fixed and matures in May 2015. I don't wish to move this as I get a good interest rate.

Morven

boobbby wrote: »

My wife's instant access ISA with Santander is coming to an end in March and it will automatically change to a new account name called an " ISA Saver" which she will get 2%. The reason for the higher interest rate is that she has £25,000 in her ISA. So another reason to build up the amount in an ISA.

Thanks for posting that. I have the same ISA with Santander and can't quite believe my luck especially as they allow transfers in. Although it does seem weird to be excited about a 2% rate.
Kudos to Santander for automatically changing the account to the new one without making us fill in endless forms every year.

Archi_Bald

T&Cs for the Santander ISA Saver: http://www.santander.co.uk/csgs/StaticBS?ssbinary=true&blobkey=id&SSURIsscontext=Satellite+Server&blobcol=urldata&blobheadervalue1=application%2Fpdf&blobwhere=1314013103792&SSURIsession=false&blobheadervalue2=inline%3Bfilename%3D640%5C362%5CSAVE0587NOV13HF_V1+FINAL.pdf&SSURIapptype=BlobServer&blobtable=MungoBlobs&SSURIcontainer=Default&blobheadername1=content-type&blobheadername2=Content-Disposition#satellitefragment&maxage=3600

It's obviously only 2% if you have over £25K in the ISA but as mentioned, transfers in are allowed, and so are new deposits up to the annual cash ISA allowance.

£10,000 - £24,999 is 1.5%, and below it is 0.5%.

gunmaker

Morven wrote: »

Thanks for posting that. I have the same ISA with Santander and can't quite believe my luck especially as they allow transfers in. Although it does seem weird to be excited about a 2% rate.
Kudos to Santander for automatically changing the account to the new one without making us fill in endless forms every year.

I agree. Both my wife & I have ISA's with Santander coming to an end at the end of the tax year. I had been looking at what's available to get the best rate for next year.

We were both pleasantly surprised to receive a letter from Santander this week saying our ISA would be switched to the their ISA Saver @ 2%. Nothing better available at the moment other than 3 year fixed rate and even they aren't that much better. Let's hope as the tax year draws to an end rates may increase to attract your cash. If not, at least I won't have the bother of transferring them like previous years.