Top Cash ISAs Discussion Area

A question about : Top Cash ISAs Discussion Area

A few in this thread...
https://forums.moneysavingexpert.com/...ad.html?t=2480

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• A few in this thread...
  https://forums.moneysavingexpert.com/...ad.html?t=2480
• Well, you should definitely check out Kazza's thread here. Between that thread and Martin's article on the main site (both of which are regularly updated), they should provide you with all the info you need.
• Sorry if this is the wrong area to ask this question, but do i need to change my ISA provider from Barclays Tax Beater to some other provider?
  Mark.:rolleyes:
• Hi Guys,
  Can anybody suggest the best fixed isa, I have 1000 to invest and want to leave it there for at least 5-6 years.
• thankyou for that, I have just looked and the leeds sounds the best with their 3 year fixed rate, would you suggest a fixed rate or do you think I am better going for variable?
• Depends what you think interest rates are going to do. Many feel that they have pretty much peaked now and may go down further in future. In that case you may be better off grabbing a fix now. If you feel that rates may rise again then you might be better off with a variable one.
• Thank you for that advice, I will keep looking.
• Started a New Thread instead...
• Hi there,
  I just wanted to clarify something which I could never get my head around. So just to clarify you are allowed to have up to Ј3000 in a mini cash ISA per year. I currently have the maximum amount with ING Direct which has a high interest rate for 6 months which will bring me into the new financial year.
  My question is; when you transfer your money - you are not closing your account and thus can transfer from bank to bank throughout the year (presuming no fees) without affecting your yearly limit and ensuring you are getting the best return?
  Hope that makes sense!?
  Many thanks,
  Dave
• Thanks for that clarification Lavendyr - also thanks for the heads up re Signature all changed now.
  Great to hear that the allowance is increasing next year!
  Thanks again for the help and see you around!
  Dave
• Sorry to post slightly out of line with this thread - just wondered i9f anyine can answer quick couple of Q's?
  The new top ISA, Ice, - I'm looking to open an ISA but havn't quite grasped it yet! can i deposit 3k in there and keep adding to it in the year or is it a fixed 3k?
  Also, is my money safe!?
  Really appreciate any help
  Cheers,
  Shakey
• You can put up to 3k in 1 cash ISA per tax year*. This can be 3k in one lump sum or smaller amounts up to 3k total.
  Your money will be as safe as any other bank.
  * 3600 from April 2008.
• A question from me now!We have got a bond that matures soon, be about Ј3500.Then I have a savings plan that finishes in April, be about the same.We really don't want to touch it.Am I right in thinking that you are only allowed one ISA each?So would it be best to put the surplus in an ordinary savings account?
• Yes you can only have 1 ISA per individual for each tax year so use your full allowance then put the remainder in a savings account.
  You mentioned 'we' so you could open an ISA in your name and your partner could do the same so the bond could go in one and the savings plan in the other.
• apologies if question stupid
  took out our first cash isa using the 3k limit but didnt take it out till may 07. going to take out another one before april 6th so as the first one in my name will do the second in hubby's... think this is right thing to do?
  just wondered though, how does the interest get paid? i understand its yearly but is that to april or the month you took out the isa. also can the interest stay in the isa or not??
  hope this makes sense, and thanks in advance :confused:
• Hi,
  I basically have Ј5000 that I want to put in some sort of interest account. From what I understand I can only put Ј3000 into an ISA, is this correct. So, when I used the ISA calculator I put in Ј3000.00 for the amount i already have and then it asks how much you are going to be able to save a month, I just put 0. and then for the interest rate I put 6.1% (icesave). This comes out at Ј3183.00 meaning I make Ј183.00 on my Ј3000 for 1 year . Thats great, but then I decided that I can save Ј50.00 a month from my wages and I put that in the box I had origonally put 0 and it came out at Ј3802.65, thats fantastic i thought but if I have reached my Ј3000 surely thats my limit? Also is there a faster way to make my money grow
  Some help please, whats best for me to do. Roulett all on red prehaps :confused: