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Product News

New 5-year ISA soars to the top 01st December 2016

Virgin Money has launched new five-year fixed bonds and ISAs to complement its existing range, which has seen the ISA shoot straight to the top of the Best Buy chart for its sector, earning it a high Moneyfacts rating in the process.
The basics… The five-year Virgin Fixed Rate Cash E-ISA Issue 206 pays a market-leading rate of 1.51% per year, fixed to 24.12.21. A monthly option paying 1.50% is also available.
The finer details… The ISA requires a minimum investment of just £1. Further additions are allowed for up to 30 days after account opening, and transfers in from other ISAs are also permitted. Withdrawals are allowed as well, albeit subject to 180 days' loss of interest, the same penalty as applies to transfers away. Therefore, savers should ideally make sure they will not miss their savings for the full term of this online-only deal to ensure they can take full advantage.

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Fixed ISAs retain top-10 spots 11th November 2016

Kent Reliance has reduced rates on a number of its ISAs. Nonetheless, its one and two-year deals remain competitive and thereby manage to keep their top-10 positions in their respective Best Buy charts.

The basics…

The One year fixed rate cash ISA issue 23 now boasts a rate of 0.90% yearly, while the two-year equivalent (issue 24) stands at 1.00%. Monthly options are also available.

The finer details…

Both accounts require a minimum investment of £1,000. Transfers in from other ISAs are welcome, provided requests are made within 30 days of account opening. Further additions are also permitted, as are withdrawals and transfers out, however this earlier access will result in the loss of 180 days' interest. The accounts can be opened online, by post or in branch and then managed in the same way as well as by phone.

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Nottingham extends 2-year ISA 10th November 2016

Nottingham BS has launched a new issue of its two-year cash ISA, enabling it to keeps its place in the Best Buy chart for its sector and earn a high Moneyfacts rating.

The basics…

The two-year Fixed Rate ISA Issue 23 pays a yearly rate of 1.00%, fixed to 31.1.19.

The finer details…

The ISA requires a minimum investment of £500. Further additions and transfers in from other ISAs are permitted whilst the issue remains open. Withdrawals are not allowed, and early access is subject to closure of the account and 180 days' loss of interest, the same penalty as applies to transfers away. Savers should make sure they will not miss their savings for the full term of this branch-based deal to ensure they can take full advantage.

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Aldermore’s excellent 1-yr fixed ISA 26th October 2016

Aldermore has reduced the rate on its one-year cash ISA. Despite this, the deal remains competitive enough for a place in the Best Buy chart for its sector, while also meriting a high rating.
The basics… The 1 Year Fixed Rate Cash ISA now pays a rate of 0.95%, which is still a top-10 rate for its term. A monthly version is also available, paying a slightly reduced rate.
The finer details… The ISA requires a minimum investment of £1,000. Further additions are allowed, as are transfers in from other ISAs when arranged within 10 business days. Withdrawals are permitted through a nominated account, but it should be noted that this early access is subject to 120 days' loss of interest. The account can be opened and operated online, by post and over the phone.

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AA retains place in variable ISA chart 21st October 2016

AA has reduced rates on some of its ISAs. Despite this, its variable rate deal has managed to keep a place in the Best Buy chart for its sector, earning it a high Moneyfacts rating in the process.
The basics… The AA ISA - Easy Access Issue 7 now pays a rate of 0.95%, which includes a fixed bonus of 0.75% for the first 12 months.
The finer details… The account must be opened and operated online, and requires a minimum investment of just £100. It permits unlimited withdrawals, provided they are of at least £10 and made through a linked account. Further additions and transfers in from other ISAs are also permitted.

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Two-year fixed ISA remains excellent 28th September 2016

Aldermore has amended rates across its range of fixed savings products. Despite this, its two-year fixed rate ISA remains competitive enough to stay in the Best Buy chart for its sector, while also holding on to its Excellent rating.
The basics… The two-year Fixed Rate Cash ISA now pays a rate of 1.15%, which is still a top-10 rate for its terms. A monthly version paying 1.14% is also available.
The finer details… The ISA requires a minimum investment of £1,000. Further additions are allowed for up to 20 business days from account opening, and transfers in from other ISAs are also possible. Withdrawals are permitted via a nominated account, although this will results in the loss of 180 days' interest, the same penalty as applies to transfers out. The account can be opened and operated online, by post and over the phone.

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Fixed ISAs remain excellent 24th August 2016

Bank of Cyprus has amended rates on its range of fixed rate products. Despite this, their one- and two-year ISAs maintain their position in their respective charts, thanks to their still-competitive terms.
The basics… The one-year Fixed Rate Cash ISA now pays a rate of 1.20% while the two-year equivalent pays 1.25%; both are top-10 rates for their terms.
The finer details… Both ISAs require a minimum investment of £500. Withdrawals are not allowed, but transfers in from other ISAs and further additions (minimum £100) are. It is possible to gain early access to the account or transfer out, on the loss of 180 days' interest and closure of the account. The account has to be opened online and can then be operated in the same way as well as in branch, by post or over the phone.

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New ISA for younger savers is ‘excellent’ 30th June 2016

Ipswich Building Society has introduced a new ISA for existing or local savers, which has earned an 'excellent' rating thanks to its eye-catching rate and terms.
The basics… Stepping Stone ISA pays a competitive variable rate of 1.80% yearly. Savers must either already be existing customers of the society or live in the local area, and must be aged from 16 to 21.
The finer details… This ISA can be opened and operated in branch and by post with a minimum investment of just £10. Further additions and withdrawals can be made without restriction or notice. Savers are also allowed to transfer in existing cash ISAs, while transfers away can be made without penalty.

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Top-10 place secured for new 5-yr fixed ISA 21st June 2016

Buckinghamshire Building Society has launched a new five-year fixed ISA onto the market, which has attained a place in the charts due to its eye-catching rate and terms.

The basics… The five-year Fixed Rate Cash ISA Issue 66 pays a top-10 rate of 1.75% yearly (1.74% monthly) until 30.6.21, enabling it to sit comfortably in the charts.

The finer details… Savers can open and operate this account in branch and by post with an initial deposit of at least £100.

Further additions can be made while the issue remains open, but transfers in are not possible. Unusually, this account allows early access, although savers should be aware that making a withdrawal will result in closure of the account and a loss of interest that is equal to 50% of the term (max 365 days). Transfers away will also incur this penalty.

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18-month ISA claims a chart place 06th June 2016

Yorkshire Bank has re-introduced a competitive 18-month fixed rate cash ISA to the market, immediately securing it a chart place thanks to its attention-grabbing rate and terms.

The basics… Cash ISA - Fixed Rate Bond (Issue 36) pays an attractive yearly rate of 1.35% until 31.10.17, enabling it to take a comfortable position among the top 10 accounts of its sector.

The finer details… This ISA can be opened in branch, by post or by phone, and then managed either in branch or by phone. It requires an initial investment of at least £2,000.

Savers are not able to make additional deposits but they can transfer in existing cash and stocks & shares ISAs. There is also an option to access funds prior to maturity, although this will result in the loss of up to 180 days' interest being lost, depending on the time left to maturity. These tiered penalties will also apply to transfers away.

This ISA is also available through Clydesdale Bank.

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Disclaimer: Information is correct as of the date of publication (shown at the top of this article). Any products featured may be withdrawn by their provider or changed at any time.

 
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