Which I S A Do I Transfer To???

[grandpajoe]

My wife and I each have an ISA with TSB which pays next to nowt interest so we want to move them !! Where to though, that is the question?? we wouldn't mind locking it away for up to 4 years if that would get better interest. Any suggestions please? I have looked on the comparison sights but I find them all so confusing. Cheers Chris.

[Fibonacci]

http://www.moneysavingexpert.com/savings/cash-isa-transfers

http://www.moneysavingexpert.com/savings/best-cash-isa

[maggiebee]

I had a grand in an ISA which payed nowt. Transferred to Santander 123 account which gives me 3% each month. Just leave it sitting there. Would have a look at Fibonacci's suggestion if you have a lot invested.

[Sipowicz]

To get 3% in the Santander account you need to have £3000-£20000.

[Sipowicz]

http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABBEYCOM&cid=1237892266671&empr=Abbeycom&launch=NO&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_ViewSelector#

[boxtops]

Nationwide have some good rates at the moment, but only for new savers - you need to check those other offers too, as with NW you can't transfer existing ISAs into the new top rates.

[grandpajoe]

Thank you all, Chris

[factor-fiction]

> 3% each month, maggiebee?

The Santander 123 account is good- but not that good. As Sipowicz says - it is up to 3% a year but the rate is only 1% pa gross if you have £1000- or 0.8% net if you are a basic rate taxpayer