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Instant Access Cash ISAs
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The Cheshire
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Account name :
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Direct Cash ISA |
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Interest Rate :
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3.06% variable |
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Withdrawal restrictions :
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None, unlimited instant access |
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Minimum opening balance :
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£500 |
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Misc :
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Transfers from other ISA providers are NOT permitted |
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More Details :
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Website |
Comments:
- 3.06% is the best ISA rate at the moment
- The account needs a minimum £1,000 balance to receive the 3.06% otherwise it's just 0.25%
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The AA
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Account name :
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Internet Access ISA |
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Interest Rate :
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3.05% variable |
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Withdrawal restrictions :
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None, unlimited instant access |
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Minimum opening balance :
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£500 |
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Misc :
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Transfers from other ISA providers are NOT permitted |
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More Details :
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Website |
Comments:
- I opened one of these accounts, 5-10 mins to fill out the online form, then they send you some paperwork to sign, return that with cheque (minimum £500) and you're done
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ING Direct
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Account name :
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Cash ISA |
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Interest Rate :
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3.00% variable |
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Withdrawal restrictions :
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None, unlimited instant access |
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Minimum opening balance :
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£1 |
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Misc :
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Allows transfers in from existing Cash ISAs |
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More Details :
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Website |
Comments:
- Anything at 3% or above for an instant access Cash ISA is a good deal at present
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1 & 2 Year Fixed Rate Cash ISAs
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The Leeds
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Account name :
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1 Year Fixed Rate Cash ISA (Issue 29) |
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Interest Rate :
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3.25% fixed for a year |
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Withdrawal restrictions :
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25% can be withdrawn with no penalty then a 90 day loss of interest on the balance |
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Minimum opening balance :
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£1 |
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Misc :
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Money can NOT be transferred in from other Cash ISA accounts |
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More Details :
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Website |
Comments:
- 3.25% is a good tax-free rate for the year
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The Halifax
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Account name :
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2 Year Fixed Rate ISA |
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Interest Rate :
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3.70% fixed for 2 years |
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Withdrawal restrictions :
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No withdrawals allowed. Early withdrawals allowed, subject to a deduction of interest |
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Minimum opening balance :
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£500 |
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Misc :
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Money CAN be transferred in from other Cash ISA accounts |
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More Details :
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Website |
Comments:
- This 2-year deal pays 3.70% versus The Leeds 1-year deal at 3.25%
- The one year deal therefore looks far more attractive as it offers more flexibility
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