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Best instant access ISAs?
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isasmurf
Posts: 1,998 Forumite


Given that most of the top paying ISAs have recently closed to new investors, or had their interest rate reduced, what are the best buys now?
Yorkshire Building Society e-ISA: 5.2%
transfers in not allowed. Some sites seem to mention a transfer charge but I can't find one in their T&C
Kent Reliance: 5.11%
Partial transfers out not allowed. Do they accept transfers in? they have been known not to in the past.
National Counties: 5.10%
Not Stakeholder standard - although I can't see how it doesn't meet the Stakeholder terms
Then a whole host of ISAs at 5%.
Before anyone mentions it, yes I know about the First Direct e-ISA, but I don't see its worth mentioning with the bonus interest rate being reduced in 4 months.
Is any of this wrong? Anyone know of any more paying more than 5%?
Yorkshire Building Society e-ISA: 5.2%
transfers in not allowed. Some sites seem to mention a transfer charge but I can't find one in their T&C
Kent Reliance: 5.11%
Partial transfers out not allowed. Do they accept transfers in? they have been known not to in the past.
National Counties: 5.10%
Not Stakeholder standard - although I can't see how it doesn't meet the Stakeholder terms
Then a whole host of ISAs at 5%.
Before anyone mentions it, yes I know about the First Direct e-ISA, but I don't see its worth mentioning with the bonus interest rate being reduced in 4 months.
Is any of this wrong? Anyone know of any more paying more than 5%?
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Comments
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LTSB pay up to 5.15% depending on how much is in the account.
They have always been pretty consistant moreorless following what the BoE has done.0 -
Halifax Direct ISA Saver (phone operated account): 5.15%.0
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Teachers Building Society's mini cash ISA pays 5.15%.
Melton Mowbray Building Society pays 5.07%.
Safeway's ISA account pays 5.05%.Please call me 'Kazza'.0 -
Kent Reliance accepted my transfer in last July. I found that the downside was however that they do not pay the interest to a nominated a/c. If you want the interest, you have to request it by letter. Good if you are not prone to comfort spending.0
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steady__eddie wrote:Kent Reliance accepted my transfer in last July. I found that the downside was however that they do not pay the interest to a nominated a/c. If you want the interest, you have to request it by letter. Good if you are not prone to comfort spending.
Certainly true what you say about comfort spending :cool:0 -
HSBC pay 5.25%, although only on balances above 15k. Below that rates are fairly low.0
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National Counties Building Society currently has a Guaranteed ISA which is paying 5.5% and is guaranteed to be at that rate until 6th April IIRC, but will also always be 0.5% above BoE base rate.
Have a l00k on https://www.moneyfacts.co.uk it is currently their best buy, and has eben featured in many papers. It is instant access and can be controlled via Chaps payments etc.
Have a look at their website https://www.ncbs.co.uk for more info.
Hope that helps
IanStudent Moneysaving Expert :beer:0 -
muddyfox470 wrote:It is instant access and can be controlled via Chaps payments etc.0
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muddyfox470 wrote:National Counties Building Society currently has a Guaranteed ISA which is paying 5.5% and is guaranteed to be at that rate until 6th April IIRC, but will also always be 0.5% above BoE base rate.
Have a l00k on https://www.moneyfacts.co.uk it is currently their best buy, and has eben featured in many papers. It is instant access and can be controlled via Chaps payments etc.
Have a look at their website https://www.ncbs.co.uk for more info.
Ian
There are penalties though, should you wish to transfer out of this ISA. A charge equivalent to 10 days' interest at the prevailing rate will be applied to the account. I think that's why many people didn't go for this cash ISA offering.Please call me 'Kazza'.0 -
Kazza242 wrote:There are penalties though, should you wish to transfer out of this ISA. A charge equivalent to 10 days' interest at the prevailing rate will be applied to the account. I think that's why many people didn't go for this cash ISA offering......under construction.... COVID is a [discontinued] scam0
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