Top Cash ISAs Discussion Area

paul2louise

I have a fixed rate isa with lloyds tsb which I opened last april. I have been given the option to apply for their fixed rate of 3.75% now. The fixed rate will end in april. Should I appy now an guarantee this rate, is this a good move or should i let the fixed rate finish and then shop around for a new isa in april.

oh i have paid the £3600 into the loyds isa so i cant open a new one until april

thanks

Bazza_Cashmore

I would grab a good rate right away.... I have just applied to Julian Hodge they offer a 1 year lockin at 4% it's the best rate I can find - better than the Abbey at 2.9%!

jaidenslot

I have been left a some money and wish to put it in an isa, I already have a halifax one i opened a few years ago but want one with a better interest(asking a lot i know lol).
Could anyone tell me whats the best to put it in that i can manage online rather than having to go to a bank or building society.

leaphaze

Bazza_Cashmore wrote: »

I would grab a good rate right away.... I have just applied to Julian Hodge they offer a 1 year lockin at 4% it's the best rate I can find - better than the Abbey at 2.9%!

Interesting. Can the Julian Hodge ISA be operated online?

leaphaze

jaidenslot wrote: »

I have been left a some money and wish to put it in an isa, I already have a halifax one i opened a few years ago but want one with a better interest(asking a lot i know lol).
Could anyone tell me whats the best to put it in that i can manage online rather than having to go to a bank or building society.

Variable rates are dreadful, i.e. Halifax 0.22% I seem to remember, but if you're willing to fix then Halifax have an entirely reasonable 3.70% fixed for 1 year.

Even if you put your cash somewhere else you should consider switching your Halifax variable rate to a Halifax fixed one. Easily done, just fill out a form, like I did.

whitehat

I was looking at opening a Standard Life variable rate isa at 3.5% (rate was dropped on 19th Jan) but the Julian Hodge one mentioned in this forum looks even more attractive. I was just wondering why neither of these are listed in the best buy section of the main article on this site? As far as I can see the Standard Life one is 'clean'.

10_66

whitehat wrote: »

I was looking at opening a Standard Life variable rate isa at 3.5% (rate was dropped on 19th Jan) but the Julian Hodge one mentioned in this forum looks even more attractive. I was just wondering why neither of these are listed in the best buy section of the main article on this site? As far as I can see the Standard Life one is 'clean'.

Could be that the main best buy Mini Cash article hasn't been updated yet because it mentions Nationwide as being the best fixed rate ISA, and as it stands at present Nationwide aren't taking any new applications for their ISAs due to back log problems.

elmwood

I have a Halifax Isa that has a small amount per month paid into it, I am looking to change this to a higher fixed rate one with the Halifax, am I also able to open another Isa with a different provider and pay in a monthly amount. The Halifax Isa was opened a few years ago.

barkeyo

I recently opened a Standard Life Cash Isa (rate at the time was 3.85%) which dropped to 3.5% on 19th Jan. When I opened it, it was the best rate I could find for instant access, despite not featuring on any best buy table. Both Leek United and Scottish Widows come out top of the rate tables then as they do now, but their rates still haven't yet refelected the recent base rate cut, which when they do are likely to bring them in lower than Standard Life.

Woodster71

My first post so if my question is in the wrong i apologise. I have a Abbey Cash ISA with the maximum in it for this year. Abbey told me I will only get my interest at the end of March, so my question is does this mean i am not allowed to transfer the isa to a better product before this time or if i do will i lose my interest. The ISA i have is not a fixed rate. I would appreciate any help on what is probably a very simple question - Thanks