Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,901Posts
    • 2,480Thanks
    Kazza242
    New Cash ISAs (NISAs): The Best Currently Available List
    • #1
    • 14th Mar 07, 10:18 PM
    New Cash ISAs (NISAs): The Best Currently Available List 14th Mar 07 at 10:18 PM
    New Cash ISAs (NISAs): The Best Currently Available List


    **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. Updates to the list are made during the evening.**

    The current New Cash ISA (NISA) limit is £20,000 for the 2018/19 tax year.

    **As with any financial product, before opening a NISA do ensure that you have read and understood the terms and conditions.**

    • Variable Rate Cash NISAs for 'new money' only (i.e. they don't accept transfers in):

    • Scottish BS Loyalty Cash ISA - 1.55%
      Rate guarantee? No. Rate effective from: 04/10/2016.
      Minimum deposit: £1. Operated via: Branch or Post.
      Notes: Available to existing customers holding an ISA with the Society before the tax year 2010/11, (1.35% is paid to customers holding an ISA in tax years 2010/11 & 2011/12 and 1.15% for tax years 2012/13 & 2013/14 and 1.05% for 2014/15 & 2015/16).



      Variable Rate Cash NISAs for 'new money' only requiring notice to be given:

    • Earl Shilton BS [90 Days' Notice] Cash ISA - 1.30%
      Rate guarantee? No. Rate effective from: 01/11/2016.
      Minimum deposit: £10. Operated via: Branch or Post.
      Notes: 90 days' notice of withdrawal required.
      Restricted to people residing within Earl Shilton and Barwell only and account can only be opened in branch.

    • Hinckley and Rugby BS 120 Day Notice Cash ISA - 1.20%
      Rate guarantee? No. Rate effective from: 20/04/2017.
      Minimum deposit: £500. Operated via: Branch or Post.
      Notes: 120 days' notice of withdrawal required.



      Fixed Rate Cash NISAs for 'new money' only (i.e. they don't accept transfers in):


      Variable Rate Cash NISAs that accept transfers in:

    • Al Rayan Bank Instant Access Cash ISA - 1.36%
      Rate guarantee? No. Rate effective from: 15/03/2018.
      Minimum deposit: £50. Operated via: Branch, Internet, Mobile App, Post or Telephone.

    • Shawbrook Bank Easy Access Cash ISA Account (issue 4) - 1.30%
      Rate guarantee? No. Rate effective from: 17/05/2018.
      Minimum deposit: £1,000. Operated via: Internet or Telephone.

    • Paragon Bank Easy Access Cash ISA (issue 3) - 1.25%
      Rate guarantee? No. Rate effective from: 05/04/2018.
      Minimum deposit: £1. Operated via: Internet.

    • Post Office Online ISA - Easy Access (issue 13) - 1.22%
      Rate guarantee? No. Rate effective from: 22/06/2018.
      Minimum deposit: £100. Operated via: Internet.
      Important: Rate includes a 0.97% fixed bonus for 12 months.

    • Sainsbury's Bank Cash ISA - 1.21%
      Rate guarantee? No. Rate effective from: 18/05/2018.
      Minimum deposit: £500 (to qualify for the higher rate). Operated via: Internet or Telephone.
      Notes: A rate of 0.50% is paid on balances totalling £1-£499.

    • Nottingham BS Easy Access ISA (issue 3) - 1.20%
      Rate guarantee? No. Rate effective from: 08/06/2018.
      Minimum deposit: £10. Operated via: Branch.
      Notes: This ISA can only be opened in branch.



      Variable Rate Cash NISAs with withdrawal restrictions & accepting transfers in:

    • Virgin Money Double Take E-ISA (issue 1) - 1.30%
      Rate guarantee? No. Rate effective from: 13/06/2018.
      Minimum deposit: £1. Operated via: Internet.
      Notes: Allows two penalty-free withdrawals per calendar year.



      Variable Rate Cash NISAs requiring notice to be given & accepting transfers in:

      In order to withdraw from or transfer a notice cash ISA you do need to give the required number of days notice. Failing to do so, usually incurs a loss of interest penalty. If you are choosing a notice ISA please ensure you are able to meet the notice period.

      N/A




      Fixed Rate Cash NISAs that accept transfers in:

      If you are choosing a fixed rate cash ISA - do ensure that you can leave the money untouched until the ISA matures, as making a withdrawal or transferring out before maturity will usually incur a loss of interest penalty.


      1 Year Fixes:

    • Al Rayan Bank 12 Month Fixed Term Deposit Cash ISA - 1.61%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening.

    • Charter Bank Fixed Cash ISA - 1.52%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening date.

    • Ford Money Fixed Cash ISA - 1.45%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening.

    • Paragon Bank Fixed Rate Cash ISA - 1.45%
      Minimum deposit: £500.
      Notes: Fixed for one year from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 334) - 1.41%
      Minimum deposit: £1.
      Notes: Fixed until 24/06/2019.

    • Virgin Money Fixed Rate Cash ISA (issue 369) - 1.41%
      Minimum deposit: £1.
      Notes: Fixed until 15/07/2019.

    • Aldermore Fixed Rate Cash ISA - 1.40%
      Minimum deposit: £1,000.
      Notes: Fixed for one year from account opening date.

    • Teachers BS Fixed Rate Cash ISA (issue 36) - 1.40%
      Minimum deposit: £1,000.
      Notes: Fixed until 25/06/2019.



      2 Year Fixes:

    • Al Rayan Bank 24 Month Fixed Term Deposit Cash ISA - 1.81%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening.

    • Shawbrook Bank Fixed Rate ISA - 1.70%
      Minimum deposit: £1.
      Notes: Fixed for two years from account opening date.

    • Charter Bank Fixed Cash ISA - 1.69%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date.

    • Aldermore Fixed Rate Cash ISA - 1.65%
      Minimum deposit: £1,000.
      Notes: Fixed for two years from account opening date.

    • Ford Money Fixed Cash ISA - 1.65%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening date.

    • Sainsbury's Bank Fixed Rate Cash ISA - 1.65%
      Minimum deposit: £5,000.
      Notes: Fixed for two years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 328) - 1.61%
      Minimum deposit: £1.
      Notes: Fixed until 24/06/2020.

    • Post Office Online ISA - Fixed Rate (issue 13) - 1.60%
      Minimum deposit: £500.
      Notes: Fixed for two years from account opening.

    • Clydesdale Bank Fixed Rate Cash ISA (issue 45 - 1.60%
      Minimum deposit: £2,000.
      Notes: Fixed until 29/05/2020.

    • Yorkshire Bank Fixed Rate Cash ISA (issue 45 - 1.60%
      Minimum deposit: £2,000.
      Notes: Fixed until 29/05/2020.


      3 Year Fixes:

    • Shawbrook Bank Fixed Rate ISA - 1.85%
      Minimum deposit: £1.
      Notes: Fixed for three years from account opening date.

    • Aldermore Fixed Rate Cash ISA - 1.80%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening date.

    • Paragon Bank Fixed Rate Cash ISA - 1.77%
      Minimum deposit: £500.
      Notes: Fixed for three years from account opening.

    • Coventry BS Fixed Rate Cash ISA (65) - 1.75%
      Minimum deposit: £1.
      Notes: Fixed until 30/11/2021

    • Sainsbury's Bank Fixed Rate Cash ISA - 1.75%
      Minimum deposit: £5,000.
      Notes: Fixed for three years from account opening.

    • Hodge Bank Fixed Rate Cash ISA - 1.70%
      Minimum deposit: £1,000.
      Notes: Fixed for three years from account opening.

    • Yorkshire BS Fixed E-ISA - 1.70%
      Minimum deposit: £100.
      Notes: Fixed until 30/06/2021.


      4 Year Fixes:

    • United Trust Bank Fixed Rate Cash ISA - 2.20%
      Minimum deposit: £15,000.
      Notes: Fixed for four years from account opening. Transfers in only.


      5 Year Fixes:

    • Charter Bank Fixed Cash ISA - 2.31%
      Minimum deposit: £500.
      Notes: Fixed for five years from account opening date.

    • Shawbrook Bank Fixed Rate ISA - 2.30%
      Minimum deposit: £1.
      Notes: Fixed for five years from account opening date.

    • United Trust Bank Fixed Rate Cash ISA - 2.25%
      Minimum deposit: £15,000.
      Notes: Fixed for five years from account opening. Transfers in only.

    • United Bank UK (UBLUK) Fixed Rate Cash ISA - 2.12%
      Minimum deposit: £2,000.
      Notes: Fixed for five years from account opening.



      Help to Buy ISAs:

      Help to Buy ISAs are open to first time buyers. You can save up to £1,200 in the first month and then up to £200 per month thereafter. If you miss a monthly contribution you don't get penalised though you cannot make it up the next month.

      The Government will contribute a 25% tax-free top-up to the whatever balance is in your ISA at the point when you use it for a deposit. You must have saved at least £1,600 to qualify for the Government top-up and you can only receive a maximum top-up of £3,000 (on your £12,000 balance).

    • Tipton & Coseley BS Help to Buy: ISA - 2.75%
      Minimum deposit: £10. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch or Post.
      Notes: Open the account with a minimum of £10 up to £1,200 - this must be received within the first month of account opening.

    • Barclays Help to Buy: ISA - 2.53%
      Minimum deposit: £1. Min - Max monthly deposit: £0 - £200.
      Operated via: Branch, Internet, Mobile App or Telephone.
      Notes: Open the account with a minimum of £1 up to £1,200. This must be received within the first calendar month of account funding.



      Other Help To Buy ISAs to consider:

    • Buckinghamshire BS Help to Buy: ISA (issue 2) - 2.25%

    • Nottingham BS Help to Buy: ISA - 2.25%

    • Virgin Money Help to Buy: ISA (issue 4) - 2.25%

    • Yorkshire BS Help to Buy: E-ISA - 2.25%

    • Chelsea BS Help to Buy: ISA - 2.25%

    • Nationwide BS Help to Buy: ISA - 2.00%
      Notes: Allows you to also open a cash ISA in order to utilise your whole ISA allowance.


      Other Help To Buys ISAs restricted by location:

    • Penrith BS Help to Buy: ISA - 3.00%
      Restricted to those living in Cumbria only.

    • Newcastle BS Help to Buy: ISA (issue 2) - 2.56%
      Restricted to those living in the NE, SR, DH, TD15, TD12, DL, TS, CA1 -11 post codes.

    • Darlington BS Help to Buy: ISA - 2.55%
      Restricted to those living in the DL, DH, SR, TS, YO or HG postcodes.



      Lifetime ISAs:

      Lifetime ISAs are available to savers aged 18 to 39. They allow up to £4,000 per tax year to be saved up to the age of 50 and they receive a 25% government bonus up to £1,000 per year to help with buying a first home and/or saving for retirement.

    • Skipton BS Cash Lifetime ISA - 0.75%
      Rate guarantee? No. Rate effective from: 04/12/2017.
      Minimum deposit: £1. Operated via: Internet.



      Regular Savings Cash NISAs:

    • Nottingham BS Starter [Regular Saver] ISA (issue 8) - 2.25%
      Minimum deposit: £10 (you can deposit up to £2,400 in the first month the account is opened).
      Min - Max monthly deposit: £10 - £1,600 (£2,400 in the first month).
      Open via: Branch only.
      Operated via: Branch only.
      Notes: Variable rate. No withdrawals allowed during the term of the account.
      Account matures on 05/04/2019.
      In March 2019, this account offers the opportunity to top-up your account to the maximum ISA subscription limit (£20,000).



    All rates are subject to change without notice. Please check all rates and terms before investing.

    If you can think of an NISA I have missed please do send me a PM.
    Last edited by Kazza242; 24-06-2018 at 3:57 PM. Reason: List updated...
Page 227
    • Consumerist
    • By Consumerist 2nd May 18, 9:15 PM
    • 4,865 Posts
    • 2,400 Thanks
    Consumerist
    United Bank UK (UBLUK) Fixed Rate Cash ISA - 2.65%
    Minimum deposit: £2,000.
    Notes: Fixed for five years from account opening.

    For those who choose Interest added to account as opposed to paid away elsewhere rate is actually 2.79%

    Had certificate through today -20000 invested...Interest amount at end of 5 years will be 2791.53
    Originally posted by bristolleedsfan
    Well, according to my calcs: £2,791.53 interest on £20,000 over 5 years works out to be the 2.65% AER advertised.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • bristolleedsfan
    • By bristolleedsfan 2nd May 18, 10:13 PM
    • 7,531 Posts
    • 9,642 Thanks
    bristolleedsfan
    Well, according to my calcs: £2,791.53 interest on £20,000 over 5 years works out to be the 2.65% AER advertised.
    Originally posted by Consumerist

    There must be something wrong with my calculator

    20000 x 2.79% = 558 x 5 =

    20000 x 2.65% = 530 x 5 =

    https://www.ubluk.com/pages/index/interest_rate_sheet scroll to bottom
    Last edited by bristolleedsfan; 02-05-2018 at 10:16 PM.
    Often what I dont say is more significant than what i do say ........
    • Consumerist
    • By Consumerist 2nd May 18, 10:51 PM
    • 4,865 Posts
    • 2,400 Thanks
    Consumerist
    There must be something wrong with my calculator

    20000 x 2.79% = 558 x 5 =

    20000 x 2.65% = 530 x 5 =

    . . .
    Originally posted by bristolleedsfan
    20,000 x 2.65% = £530 x 1 = the interest get in the first year.

    20,530 x 2.65% = £544 x 1 = the interest you get in the second year
    and so on . .
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • gwapenut
    • By gwapenut 3rd May 18, 9:34 AM
    • 934 Posts
    • 386 Thanks
    gwapenut
    I've been told the Coventry 30 day notice ISA @ 1.35% will be withdrawn TONIGHT.
    • mersey
    • By mersey 7th May 18, 2:58 PM
    • 102 Posts
    • 991 Thanks
    mersey
    Principality BS
    Principality BS 2year fixed rate isa was 1.67 now 1.55.
    • Reed_Richards
    • By Reed_Richards 11th May 18, 7:54 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    Kazza242, this is a fantastic piece of work but would it be possible to also record if the ISAs are flexible or not?
    Reed
    • ThriftyFelicity
    • By ThriftyFelicity 11th May 18, 11:32 PM
    • 767 Posts
    • 2,230 Thanks
    ThriftyFelicity
    Minimum deposit on United Trust Bank ISAs is now £15,000 (up from £5,000).
    R.I.P. Bart. The best cat there ever was.
    • Kazza242
    • By Kazza242 13th May 18, 12:02 PM
    • 1,901 Posts
    • 2,480 Thanks
    Kazza242
    Kazza242, this is a fantastic piece of work but would it be possible to also record if the ISAs are flexible or not?
    Originally posted by Reed_Richards
    Thanks. Yes, I have been thinking about adding a new field to indicate whether an ISA is flexible or not. I had already added some info into the notes about this, but a separate field might make it clearer.
    Please call me 'Kazza'.
    • Reed_Richards
    • By Reed_Richards 15th May 18, 7:56 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    Nottingham BS Easy Access ISA (issue 2) - 1.20%
    Rate guarantee? No. Rate effective from: 26/02/2018.
    Minimum deposit: £10. Operated via: Branch.
    Notes: This ISA can only be opened in branch
    if you invest your maximum allowance on 26 February 2019 and withdraw £500 on 5 March 2019, you would not be able to add any more to your account until 6 April 2019
    So this one is not flexible.
    Reed
    • nomorekids
    • By nomorekids 2nd Jun 18, 10:08 AM
    • 306 Posts
    • 246 Thanks
    nomorekids
    Buckingham Building Society increase rate from 1 July
    I ve had a letter to say that Buckinghamshire Building Society is to increase my Help to Buy ISA rate from 2.25 to 2.4pc from 1st July for all new and existing customers.
    If you want to be rich, never get married and most definitely never have kids
    • Reed_Richards
    • By Reed_Richards 22nd Jun 18, 6:46 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    Coventry BS have superseded their Easy Access Cash ISA (7) with issue 8, paying only 1.05%: https://www.coventrybuildingsociety.co.uk/consumer/product/savings/cash_isa/easy-access-isa-8.html
    Reed
    • Reed_Richards
    • By Reed_Richards 24th Jun 18, 7:20 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    And the Paragon Bank Limited Edition Easy Access Cash ISA (Issue 4) is no more, although their standard Easy Access ISA paying 1.25% remains.
    Reed
    • Reed_Richards
    • By Reed_Richards 24th Jun 18, 7:25 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    But moving up the chart, we have the Post Office Easy Access Issue 13 paying 1.22%
    Reed
    • Kazza242
    • By Kazza242 24th Jun 18, 4:06 PM
    • 1,901 Posts
    • 2,480 Thanks
    Kazza242
    First post updated...
    Hello everyone.

    The first post of this thread has been updated.

    Further updates to come next weekend.
    Please call me 'Kazza'.
    • mhoc
    • By mhoc 28th Jun 18, 5:51 PM
    • 17,565 Posts
    • 212,131 Thanks
    mhoc
    Yorkshire Building society have launched new ISAs and e ISAs, apply in branch or online, fixed rate - either 1, 2 or 3 years
    no withdrawals
    Closure permitted with 180 days' loss of interest.

    https://www.ybs.co.uk/savings/tax-free/index.html
    “Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”
    • Reed_Richards
    • By Reed_Richards 11th Jul 18, 7:21 AM
    • 121 Posts
    • 46 Thanks
    Reed_Richards
    Martin Lewis does not mention Yorkshire Building Society in his list but it looks as if all their current ISAs that allow withdrawals are flexible ISAs.
    Reed
    • alahol2
    • By alahol2 13th Jul 18, 1:30 PM
    • 42 Posts
    • 28 Thanks
    alahol2
    Paragon Bank
    Just transferred into Paragon Bank Limited Edition Easy Access Cash ISA (Issue 4) at 1.31%.



    https://www.paragonbank.co.uk/savings/cash-isas/limited-edition-easy-access-cash-isa

    Doesn't seem to be listed elsewhere?
    Last edited by alahol2; 13-07-2018 at 1:32 PM. Reason: Add link
    • typistretired
    • By typistretired 13th Jul 18, 5:03 PM
    • 1,316 Posts
    • 949 Thanks
    typistretired
    Cash Isas
    Kazza242

    Just opened this ISA with Coventry BS today was quicker to ring them on 08001218899 as I already had a Reward ISA.

    Fixed Rate ISA (66) 30.11.2019
    1.50 % Tax-free^ p.a./AER* Fixed until 30.11.2019
    "Look after your pennies and your pounds will look after themselves"
    • AlanNov
    • By AlanNov 19th Jul 18, 10:02 AM
    • 2 Posts
    • 0 Thanks
    AlanNov
    5 years fixed with charter bank @ 2.31% is no longer available
    • veryintrigued
    • By veryintrigued 31st Jul 18, 11:51 AM
    • 2,444 Posts
    • 1,903 Thanks
    veryintrigued
    The Notts RS has disappeared online.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

140Posts Today

2,047Users online

Martin's Twitter
  • Ta ta... for now. This August, as I try and do every few yrs, I'm lucky enough to be taking a sabbatical. No work,? https://t.co/Xx4R3eLhFG

  • RT @lethalbrignull: @MartinSLewis I've been sitting here for a good while trying to decide my answer to this, feeling grateful for living i?

  • Early days but currently it's exactly 50 50 in liberality v democracy, with younger people more liberal, older more? https://t.co/YwJr4izuIj

  • Follow Martin