Found 30th Apr 2011
After much pressure, I'm sorting out an ISA! Having looked, it seems as though Santander have the best for instant access (I don't like the idea of someone having my money and not being able to get at it)!! However, I've heard terrible things about Santander and have had past dealings with Abbey which were terrible so I've not much faith! It seems as though they have an "instant access account" at 3% and a "cash ISA" at 3.3%, both having instant access?! The only difference I can see is that if you withdraw, you cannot put that money back it (ie it all counts towards your annual limit) for the cash ISA.
I'll be depositing between 3-4k and paying in around £300 a month but must have instant access and be online... So... is this the best ISA or is there another option out there? I'm pretty clued up when it comes to money but I've never had to bother with credit cards/ISAs etc so don't want to lump my money with any old Tom, Rick or Harry :-D

15 Comments

I was in the same position about a month back, went with Santander instant access 3.0%, it was 3.3% for current account holders. Didn't want to use Santander but they were local to me and offering the best at the time ( or the best that I could find). I'm looking at investing this years allowance but dont know if I should stick in the same one or with another company.

Take a look at thisismoney.co.uk

They have useful info and a list of different banks/building societies with rates and terms. Just be aware that not all institutions are listed though, but a good starting point.

Banned

I would go for nationwide at 3.1% as great CS

santander could offer 10% and I still wouldn't touch them

they are always bottom of every survey going for a very good reason

csiman

I would go for nationwide at 3.1% as great CSsantander could offer 10% … I would go for nationwide at 3.1% as great CSsantander could offer 10% and I still wouldn't touch themthey are always bottom of every survey going for a very good reason



Spot on, Santander and barge pole and " don't touch " spring to mind.

Agreed Nationwide are the best available at the moment for instant access ISA's.

Original Poster

Thanks all! Didn't see the Nationwide offer at 3.1% so may go with them over Santander! I'm not currently with Barclays so wouldn't be eligible for that one!

have a look here hun
moneysupermarket.com/sav…as/?p=0&source=GOO-005E26BE&ef_id=uq1NqzkHWAoAAIoc:20110430182713:s

ive just changed my isa to Lloyds TSB they offered me 3.65% over 2 years, can withdraw any amount as many times as needed through out the term, i cant find it on thier website, but i did open a currant account with them so it might be for new customers, worth popping in to check though

Banned

vinylandtrinkets

have a look here … have a look here hunhttp://www.moneysupermarket.com/savings/cash-isas/?p=0&source=GOO-005E26BE&ef_id=uq1NqzkHWAoAAIoc:20110430182713:sive just changed my isa to Lloyds TSB they offered me 3.65% over 2 years, can withdraw any amount as many times as needed through out the term, i cant find it on thier website, but i did open a currant account with them so it might be for new customers, worth popping in to check though


you may well be able to withdraw the amount but cant put it back in if you have reached the annual limit

Can you transfer in from the Nationwide one?

Banned

black gerbil1

Can you transfer in from the Nationwide one?


check the link I posted above lol
Edited by: "csiman" 1st May 2011

What do ppl think of S&S isa's?

csiman

you may well be able to withdraw the amount but cant put it back in if … you may well be able to withdraw the amount but cant put it back in if you have reached the annual limit


just checked the paper work and your right, i can put in any amount until it reaches the £5345.00 which is fine for me.

To echo csiman, Nationwide for the CS if instant access is a must.

csiman

http://www.nationwide.co.uk/savings/cash_isa/eisa/default



Nationwide CS always been great to me, santander is fast becoming a banking boogeyman with their CS.

My sister recently took out the 3.5 year fixed term HSBC FTSE Tracker @ 18% (4.84% compounded) @ only 2% though if ftse falls) she thought it worth sacrificing 1 or 2% till 2014 mind.
That closes for application on May 6th, though, £3K minimum.


Edited by: "schizoboy" 1st May 2011

ive got a Santander Loyalty ISA @ 3.5% - ive got a mortgage with them so got this rate. Never had any issue with them so far, got mortgage & business account with them & can only recommend from my dealings.
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