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  • 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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 - 1.65%
      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 2011/12, (1.55% is paid to customers holding an ISA in tax years 2011/12, 1.50% for 2012/13, 1.45% for 2013/14, 1.40% for 2014/15, 1.35% for 2015/16, 1.30% for 2016/17, 1.25% for 2017/18 and 1.20% for 2018/19.



      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:

    • Leeds BS Limited Issue Online Access ISA (issue 8) - 1.38%
      Rate guarantee? No. Rate effective from: 08/11/2018.
      Minimum deposit: 1,000. Operated via: Internet.
      Notes: Interest is calculated daily and paid on maturity (05 January 2020).

    • Al Rayan Bank Instant Access Cash ISA - 1.35%
      Rate guarantee? No. Rate effective from: 15/03/2018.
      Minimum deposit: 50. Operated via: Branch, Internet, Mobile App, Post or Telephone.

    • Paragon Bank Easy Access Cash ISA (issue 4) - 1.35%
      Rate guarantee? No. Rate effective from: 07/12/2018.
      Minimum deposit: 1. Operated via: Internet.


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

      Updating...




      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:

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 27) - 1.66%
      Minimum deposit: 5,000.
      Notes: Fixed for one year from account opening.

    • Aldermore Fixed Rate Cash ISA Bond - 1.65%
      Minimum deposit: 1,000.
      Notes: Fixed for one year from account opening.

    • Alrayan Bank Fixed Term Deposit Cash ISA Bond - 1.60%
      Minimum deposit: 1,000.
      Notes: Fixed for one year from account opening. This bank operates under Islamic finance principles, the rates displayed represent the expected profit rate.

    • Charter Bank Fixed Rate Cash ISA - 1.60%
      Minimum deposit: 1,000.
      Notes: Fixed for one year from account opening.

    • Ford Money Fixed Rate Cash ISA - 1.55%
      Minimum deposit: 500.
      Notes: Fixed for one year from account opening.

    • Paragon Bank Fixed Rate Cash ISA - 1.55%
      Minimum deposit: 500.
      Notes: Fixed for one year from account opening.


      16 Months+ Fixes:

      Updating...


      2 Year Fixes:

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 26) - 1.86%
      Minimum deposit: 5,000.
      Notes: Fixed for two years from account opening.

    • Aldermore Fixed Rate Cash ISA Bond - 1.85%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening.

    • Charter Bank Fixed Rate Cash ISA - 1.81%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening.

    • Alrayan Bank Fixed Term Deposit Cash ISA Bond - 1.80%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening. This bank operates under Islamic finance principles, the rates displayed represent the expected profit rate.

    • Kent Reliance Fixed Rate Cash ISA (issue 28) - 1.80%
      Minimum deposit: 1,000.
      Notes: Fixed for two years from account opening.


      3 Year Fixes:

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 11) - 2.01%
      Minimum deposit: 5,000.
      Notes: Fixed for three years from account opening.

    • Aldermore Fixed Rate Cash ISA Bond - 2.00%
      Minimum deposit: 1,000.
      Notes: Fixed for three years from account opening.

    • Charter Bank Fixed Rate Cash ISA - 1.91%
      Minimum deposit: 1,000.
      Notes: Fixed for three years from account opening.

    • Paragon Bank Fixed Rate Cash ISA - 1.86%
      Minimum deposit: 1,000.
      Notes: Fixed for three years from account opening.

    • Virgin Money Fixed Rate Cash ISA (issue 394) - 1.85%
      Minimum deposit: 1.
      Notes: Fixed until 15/01/2022. Available to open in store.




      4 Year Fixes:

    • Hodge Bank Fixed Rate Cash ISA - 1.80%
      Minimum deposit: 1,000.
      Notes: Fixed for four years from account opening.


      5 Year Fixes:

    • Shawbrook Bank Fixed Rate Cash ISA Bond (issue 13) - 2.27%
      Minimum deposit: 5,000.
      Notes: Fixed for five years from account opening.

    • Charter Bank Fixed Rate Cash ISA - 2.26%
      Minimum deposit: 1,000+.
      Notes: Fixed for five years from account opening.

    • Virgin Money Fixed Rate Cash E-ISA (issue 361) - 2.11%
      Minimum deposit: 1.
      Notes: Fixed until 24/01/2024.

    • Coventry BS Fixed Rate ISA 75 - 2.10%
      Minimum deposit: 1.
      Notes: Fixed until 30/11/2023.



      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.

    • Nationwide BS Help to Buy: ISA - 2.50%
      Notes: Allows you to also open a cash ISA in order to utilise your whole ISA allowance.


      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%


      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.

    • Nottingham BS Lifetime ISA - 1.00%
      Rate guarantee? No. Rate effective from: 23/08/2018.
      Minimum deposit: 10. Operated via: Branch.

    • Skipton BS Cash Lifetime ISA - 1.00%
      Rate guarantee? No. Rate effective from: 20/08/2018.
      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; 27-12-2018 at 5:30 PM. Reason: List updated...
Page 226
    • Kazza242
    • By Kazza242 5th Apr 18, 10:11 PM
    • 1,901 Posts
    • 2,480 Thanks
    Kazza242
    Nottingham Building Society Starter ISA (issue 8) - 2.25%
    The Nottingham Building Society Starter ISA (issue 8), paying 2.25% has been added to the first post of this thread.

    It can be opened with a minimum deposit of 10. Up to 2,400 can be deposited in the first month the account is opened and then up to 1,600 per calendar month thereafter.

    The account matures on 05/04/2019. It also offers a one-off opportunity to top up your account to the maximum ISA subscription limit in March 2019 (20,000).

    It can only be opened (and operated) in branch only. The interest rate is variable.

    Further details here.
    Last edited by Kazza242; 05-04-2018 at 10:14 PM.
    Please call me 'Kazza'.
    • Kernel Sanders
    • By Kernel Sanders 6th Apr 18, 9:15 PM
    • 3,376 Posts
    • 1,388 Thanks
    Kernel Sanders
    The waiting list for appointments to open this is long. Before Easter it was nearly a fortnight at Mansfield and over that at Sutton.
    #JeSuisCharlie
    • Froggitt
    • By Froggitt 7th Apr 18, 7:56 AM
    • 5,822 Posts
    • 3,072 Thanks
    Froggitt
    The waiting list for appointments to open this is long. Before Easter it was nearly a fortnight at Mansfield and over that at Sutton.
    Originally posted by Kernel Sanders
    Presumably they treat this account, with a decent rate, as a paid for sales lead, therefore use the opportunity to flog all sorts of carp at the opening.
    illegitimi non carborundum
    • eskbanker
    • By eskbanker 7th Apr 18, 11:38 AM
    • 9,398 Posts
    • 11,007 Thanks
    eskbanker
    I am aware that this thread is about "Mini Cash ISAs: The Best ISAs currently available List". But the one I will put forward below is another way of maximising the inetrest of cash ISA.

    [...starter's guide to flexible ISAs...]

    Certainly, I will be thankful if I could make my cash ISA money to go further. So, I definitely welcome a discussion, critics to maximise the interest on your cash ISA.
    Originally posted by adindas
    I'd politely suggest that if you want to discuss that, then open a separate thread for it, since you already recognise that this thread is specifically about best cash ISA products rather than a broader discussion of what to do with money that isn't in cash ISAs!
    • mary
    • By mary 7th Apr 18, 11:40 AM
    • 1,571 Posts
    • 447 Thanks
    mary
    Flexible RSA?
    Probably having a senior moment here but what is RSA (Regular Saving .......)?
    • adonis
    • By adonis 7th Apr 18, 11:46 AM
    • 819 Posts
    • 767 Thanks
    adonis
    Regular savings account
    • Consumerist
    • By Consumerist 7th Apr 18, 12:27 PM
    • 5,090 Posts
    • 2,551 Thanks
    Consumerist
    Given the paltry rates available on flexible ISAs, this is about all they are good for, if you can find one.

    I think most banks have woken up to the idea that this practice is their sole purpose since the introduction of the Personal Savings Allowance.
    Warning: In the kingdom of the blind, the one-eyed man is king.
    • MumOf2
    • By MumOf2 10th Apr 18, 2:31 PM
    • 530 Posts
    • 939 Thanks
    MumOf2
    Virgin Money 3 year
    Just to say that the 3-year E-ISA issue 320 has been pulled. They still have a 3-year fixed at 1.85% but it's open instore, on the phone, etc.


    MumOf2
    MumOf4
    Quit Date: 20th November 2009, 7pm

    • Emily Joy
    • By Emily Joy 12th Apr 18, 10:07 AM
    • 237 Posts
    • 102 Thanks
    Emily Joy
    The waiting list for appointments to open this is long. Before Easter it was nearly a fortnight at Mansfield and over that at Sutton.
    Originally posted by Kernel Sanders
    It is somewhat shorter in Leicester.
    Last edited by Emily Joy; 12-04-2018 at 10:19 AM.
    • akh43
    • By akh43 14th Apr 18, 2:07 PM
    • 1,196 Posts
    • 3,138 Thanks
    akh43
    The Aldermore fixed ISA rates have all dropped from 12/4/18 so need updating, they are now 1 year 1.40%, 2 year 1.65% and 3 year 1.80%.
    • Kazza242
    • By Kazza242 16th Apr 18, 8:50 PM
    • 1,901 Posts
    • 2,480 Thanks
    Kazza242
    First post updated...
    The first post of this thread has been updated.
    Please call me 'Kazza'.
    • Rich2808
    • By Rich2808 17th Apr 18, 8:07 PM
    • 697 Posts
    • 543 Thanks
    Rich2808
    It is somewhat shorter in Leicester.
    Originally posted by Emily Joy
    No queue or wait at all in St Albans!
    • Speculator
    • By Speculator 17th Apr 18, 8:39 PM
    • 1,820 Posts
    • 1,450 Thanks
    Speculator
    No queue or wait at all in St Albans!
    Originally posted by Rich2808
    I'll be there this Thursday.

    Thought I won't get my first payment in until mid May so was surprise to get an appointment to open one on Thursday!

    Just hope Ford don't launch a 4% Regular ISA in May like last year.
    Last edited by Speculator; 17-04-2018 at 8:42 PM. Reason: .
    • ratechaser
    • By ratechaser 17th Apr 18, 8:42 PM
    • 516 Posts
    • 407 Thanks
    ratechaser
    No queue or wait at all in St Albans!
    Originally posted by Rich2808
    Indeed, popped in there yesterday to deal with another matured saver and they opened it for me on the spot without any appointment. Very pleased with that!
    • Emily Joy
    • By Emily Joy 18th Apr 18, 6:12 PM
    • 237 Posts
    • 102 Thanks
    Emily Joy
    Nottingham Building Society is about to launch 1 year fixed term ISA at 1.45%. Available in branch only from 25th of April.
    • Southcoast01
    • By Southcoast01 19th Apr 18, 7:22 PM
    • 15 Posts
    • 17 Thanks
    Southcoast01
    When I booked my appointment was told all the Nottingham building society branches are closed this Saturday (21st) while they update their IT systems. In case anyone is planning a visit.
    • kidmugsy
    • By kidmugsy 19th Apr 18, 11:28 PM
    • 12,480 Posts
    • 8,840 Thanks
    kidmugsy
    People in East Anglia might care to note that the Nottingham BS is moving into the area, having bought some of the branch offices of the Norwich and Peterborough BS.
    Free the dunston one next time too.
    • AirlieBird
    • By AirlieBird 25th Apr 18, 1:43 PM
    • 1,039 Posts
    • 850 Thanks
    AirlieBird
    Coventry have increased the rate of their Easy Access ISA (Issue 7) to 1.25% and 30 day Notice ISA (Issue 5) to 1.35%.
    Did you really mean to put loose?
    Lose: no longer possess, not to retain, unable to find
    Loose: not firmly or tightly fixed in place
    • Ken68
    • By Ken68 2nd May 18, 7:12 AM
    • 6,469 Posts
    • 4,122 Thanks
    Ken68
    The Nationwide Loyalty ISA 1.4% has now been withdrawn.
    • bristolleedsfan
    • By bristolleedsfan 2nd May 18, 5:34 PM
    • 7,557 Posts
    • 9,656 Thanks
    bristolleedsfan
    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
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