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  • FIRST POST
    • Kazza242
    • By Kazza242 14th Mar 07, 10:18 PM
    • 1,901Posts
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    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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 228
    • Reed_Richards
    • By Reed_Richards 3rd Aug 18, 7:34 AM
    • 210 Posts
    • 103 Thanks
    Reed_Richards
    Hello everyone.

    The first post of this thread has been updated.

    Further updates to come next weekend.
    Originally posted by Kazza242
    This was posted on the 24th June but there have been no revisions since then. I hope Kazza is okay - and that is partially selfish because in the past I have found this thread to be such a useful repository of information.
    Reed
    • eskbanker
    • By eskbanker 3rd Aug 18, 10:57 AM
    • 9,076 Posts
    • 10,500 Thanks
    eskbanker
    This was posted on the 24th June but there have been no revisions since then. I hope Kazza is okay - and that is partially selfish because in the past I have found this thread to be such a useful repository of information.
    Originally posted by Reed_Richards
    According to their profile, they were last on the forum yesterday evening, so presumably still around, but perhaps busy....
    • Rich2808
    • By Rich2808 6th Aug 18, 6:15 PM
    • 657 Posts
    • 503 Thanks
    Rich2808
    Apparently Paragon are increasing (some of?) their cash isa rates from 1 September.

    I have just been emailed by them advising that their Limited Edition Easy Access Cash ISA (Issue 1) which is closed to new investors is seeing its rate increased by 0.26% from 1.05% to 1.31%. But I have had no such notification that the increase will be applied to the ISAs open to new investors (which I have some of too). Perhaps those emails will come later!
    • typistretired
    • By typistretired 24th Aug 18, 3:56 PM
    • 1,344 Posts
    • 964 Thanks
    typistretired
    Coventry BS are increasing my ISA Reward (which is closed to new customers) from 1st September 2018 to 1.40% (0.10% increase)
    "Look after your pennies and your pounds will look after themselves"
    • Newly retired
    • By Newly retired 25th Aug 18, 1:13 PM
    • 2,402 Posts
    • 2,813 Thanks
    Newly retired
    Coventry BS are increasing my ISA Reward (which is closed to new customers) from 1st September 2018 to 1.40% (0.10% increase)
    Originally posted by typistretired
    Back to where it used to be then.
    • thor
    • By thor 31st Aug 18, 2:32 AM
    • 5,274 Posts
    • 1,889 Thanks
    thor
    Back to where it used to be then.
    Originally posted by Newly retired
    except that the boe rate is now 0.25% higher. Just as the Coventry planned.
    • Reed_Richards
    • By Reed_Richards 22nd Sep 18, 9:38 AM
    • 210 Posts
    • 103 Thanks
    Reed_Richards
    Yorkshire Building Society have brought out a "Single Access Saver ISA issue 2 paying 1.35% interest (variable). Transfers in are allowed. It is not flexible as you can only withdraw the entire balance and close the account but you can do this at any time. Or you can transfer out but this would have to be the entire balance. And the account only runs for a year.
    On the anniversary of your account opening your savings will be transferred to the latest issue of Triple Access Saver ISA
    Reed
    • isasmurf
    • By isasmurf 22nd Sep 18, 10:30 AM
    • 1,760 Posts
    • 785 Thanks
    isasmurf
    Yorkshire Building Society have brought out a "Single Access Saver ISA issue 2 paying 1.35% interest (variable). Transfers in are allowed. It is not flexible as you can only withdraw the entire balance and close the account but you can do this at any time. Or you can transfer out but this would have to be the entire balance. And the account only runs for a year.
    Originally posted by Reed_Richards
    I disagree. You can withdraw any amount of your balance from the account on one day during the anniversary year and replace that money in the same tax year it is withdrawn. You can, separately, close the account at any time.
    • Reed_Richards
    • By Reed_Richards 22nd Sep 18, 11:13 AM
    • 210 Posts
    • 103 Thanks
    Reed_Richards
    I disagree. You can withdraw any amount of your balance from the account on one day during the anniversary year and replace that money in the same tax year it is withdrawn. You can, separately, close the account at any time.
    Originally posted by isasmurf
    I have re-read the terms and conditions and I now think you are correct, Isasmurf. However note that YBS impose limits on how much you can withdraw per day, depending on the means of withdrawal.
    Reed
    • Reed_Richards
    • By Reed_Richards 13th Jan 19, 8:31 AM
    • 210 Posts
    • 103 Thanks
    Reed_Richards
    Kazza242 is supposedly still active but has not updated this topic or posted anything else since June 2018. It's a great pity because I cannot be the only one to have found it really useful as a source of reference.
    Reed
    • Froggitt
    • By Froggitt 13th Jan 19, 9:12 AM
    • 5,822 Posts
    • 3,072 Thanks
    Froggitt
    Kazza242 is supposedly still active but has not updated this topic or posted anything else since June 2018. It's a great pity because I cannot be the only one to have found it really useful as a source of reference.
    Originally posted by Reed_Richards
    Try here https://www.money.co.uk/savings-accounts/cash-isas.htm
    illegitimi non carborundum
    • masonic
    • By masonic 13th Jan 19, 9:23 AM
    • 10,618 Posts
    • 8,008 Thanks
    masonic
    Kazza242 is supposedly still active but has not updated this topic or posted anything else since June 2018. It's a great pity because I cannot be the only one to have found it really useful as a source of reference.
    Originally posted by Reed_Richards
    According to the first post: "Last edited by Kazza242; 27-12-2018 at 5:30 PM. Reason: List updated..."
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