Best Rate Isa Please

[Ann]

Can anyone please tell me of a good Instant Access ISA available through a High Street branch not online. I am looking to transfer my ISA as the building society I am with has dismal rates. I need it to be instant access not tied up. I have tried to compare rates through google but its a minefield out there!

[Ann]

I thought of Santander - anyone know if this is good?

[237SJ]

Santander are dire to deal with if you are online with them. They might not be too bad via a branch. I use thisismoney.co.uk to check rates. They have best rates lists which show details such as whether the account is branch/phone/internet and whether you can transfer in other isas.

[DJHawkes]

i have one with lloyds tsb and it's very simple and easy to run, not sure what the interest is though and i'm not that bothered as i just wanted to save my spare cash somewhere

[Mass_Hysteria]

Scroll down the page for the better isa accounts. Think i'll follow this up as mine isn't paying this interest.

http://www.thisismoney.co.uk/money/saving/article-1723571/This-Moneys-favourite-best-buy-Isas.html

[DJHawkes]

just checked my online account with lloydstsb and the gross is 1.45%, which i guess is rubbish lol

[grasscarp]

I have just under 2% with Halifax. Not the greatest rate but anyone with over 5 grand in savings entered in monthly draw. Prizes anything from quarter of a million down. I like to hope!

[Mass_Hysteria]

I have an isa but have just bought some premium bonds too. I might as well have a bit of fun and hopefully win a bit more than the current interest rates are paying.

[237SJ]

grasscarp - that`s the only reason I`m keeping last year`s ISA with the Halifax. It`s gone down to 1.95% this year so I`m not chucking any more money at it. My friend in Staines said someone in his local paper won the £100,000 a couple of years ago.

[grasscarp]

Tks for info 237sj. I never heard of anyone winning so glad to hear it is possible. I live very near Staines! Yes, rate was better last year. Good luck.

[237SJ]

Thanks - and you. I think they have extra draws this or next month (not sure which)

[DJHawkes]

anyone else seen the question below in the related posts where they are talking about 5% with the halifax isa in 2006?lol

[grasscarp]

I think 6 quarter millions in June. You, me and four others. Good night.

[Ann]

Thanks for your help everyone - will certainly check that site out. :)

[Mass_Hysteria]

Thanks 237sj, i'll keep an eye on this site. I can't really move my isa from the Halifax as my daughter has a child isa which earns 6% as long as I have mine. Otherwise it's down to about 2%.

Grasscarp, I dont mind sharing, 237sj, you, me and 3 others!!

[Maydup]

There are some more ISA rates listed here but they are all as low as they've ever been. You question whether its worth chasing 0.5% more than the next one.

http://www.moneysupermarket.com/shop/savings/cash-isas/?source=GOO-131777D9&p=0&keywords=isaPhrase&mckv=sDsQ5hWxR_pcrid_18441726161_mtype_p_kword_isa_2764ri918980&uuid=cc989860-94e8-4ad8-8975-64256b957125&;gclid=CIr1krTL07YCFZMbtAod_m8AhQ

[VHG]

Remember if you are going to move your money from one isa to another DONT take it out the current isa or you lose your tax free allowance.

You need to find an isa that allows TRANSFERS IN (not all do).

If you find an isa that allows transfers in then sign up to them and THEY will organize transferring the money from the old isa to the new isa.

I recently opened a new isa with Santander by going into the branch and got 2.80%. This is for 2 years. Not sure if it allows transfer in though.