Best high-street ISA?

edited 30 November -1 at 1:00AM in ISAs & Tax-free Savings
11 replies 7.7K views
LizD_2LizD_2 Forumite
1.5K Posts
I've been Money Tipped!
edited 30 November -1 at 1:00AM in ISAs & Tax-free Savings
Who's got the best ISA rate and service on the high street? I don't want online because I'll be too tempted to take the money out. If I have to physically go out I won't take the money out. A notice account isn't practical, as I'll need the money available to pay deposits for my wedding.
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Replies

  • ReportInvestorReportInvestor Forumite
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    Rates before any interest rate rises from the November BofE decision:

    Portman BS 5.55% (15 day - includes 0.80% 6 month bonus & minimum £1K) There is also a £30 transfer out fee but this will go when if they merge with Nationwide in late 2007.
    Yorkshire BS 5.25% 30 day (but this isn't a problem with your criteria).

    The rest are not exactly scintillating. Where do you live?
  • LizD_2LizD_2 Forumite
    1.5K Posts
    I've been Money Tipped!
    I live in Dorset. I'm dubious about the Portman: won't the rate go down if they merge? Nationwide are only 4.85%
  • ReportInvestorReportInvestor Forumite
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    But meanwhile the rate is up there and you only lose 15 days interest if you withdraw. Just a thought.

    BTW until the site crashed in the middle of my post, I was going to suggest that the Nationwide instant access ISA @ 4.65% before any rate rise was about the best I could find on the High Street.

    Instant access branch based ISAs are not where the action is I'm afraid :(.
  • A bunch of small building societies have branch based ISA accounts around the 5.1% to 5.2% range. National Counties (5.26%), Leek (5.25%), Dudley (5.2%), Melton Mowbray (5.2%), Kent Reliance (5.16%).

    Guess its a matter of if any are down your local high street. If you only have access to the big institutions then Natwest's mini-cash ISA will rise to 5% in the next couple of weeks (under their base rate tracking guarantee).
    "The state is the great fiction by which everybody seeks to live at the expense of everybody else." -- Frederic Bastiat, 1848.
  • ReportInvestorReportInvestor Forumite
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    It's a long trek from Dorset to that lot :rotfl:

    NatWest sounds promising, though.
  • Rates before any interest rate rises from the November BofE decision:

    Portman BS 5.55% (15 day - includes 0.80% 6 month bonus & minimum £1K) There is also a £30 transfer out fee but this will go when if they merge with Nationwide in late 2007.
    Yorkshire BS 5.25% 30 day (but this isn't a problem with your criteria).

    The rest are not exactly scintillating. Where do you live?


    i have just done a online app on the Yorkshire BS e-Isa 5.15%

    i would love to go to nsandi isa but i have 2 lots of tax years worth (its such a shame they dont do transfers from excisting isa's) oh well i still be better off!! my prevoius provider was hsbc 4.55% :-(
    Oh well we only live once ;-)
  • LizD_2LizD_2 Forumite
    1.5K Posts
    I've been Money Tipped!
    But meanwhile the rate is up there and you only lose 15 days interest if you withdraw. Just a thought.
    Instant access branch based ISAs are not where the action is I'm afraid :(.

    Yes, that's true about the Portman figure. I'll be needing the money around April, so probably won't make that much of a difference as and when the merger goes ahead.

    It's also painfully true about branch ISAs, but as I say, an internet one's not for me, far too tempting! :rotfl:
  • uk_steve wrote:
    i have just done a online app on the Yorkshire BS e-Isa 5.15%

    i would love to go to nsandi isa but i have 2 lots of tax years worth (its such a shame they dont do transfers from excisting isa's) oh well i still be better off!! my prevoius provider was hsbc 4.55% :-(


    typical just seen another post that kent relince isa is 5.46% :eek:
    Oh well we only live once ;-)
  • ReportInvestorReportInvestor Forumite
    3.6K Posts
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    Anyway Liz, good luck for the big day :).

    Sometimes in life, thank goodness ;), there are more important things than the odd 0.1% here and there.
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