My First ISA

[aurora83]

I am thinking about opening my first mini cash isa. I having been looking around trying to find the best rates but am confused who to go with. At the moment Iam thinking either HSBC/First Direct or Direct Line.

Can anyone make a reccomendation, based on personal experience, and breifly explain why?

Thanks

[Alastair77]

All I can say is do not look at the high street when looking for the best deal.

You are better talking to an independent financial adviser who can tailor make a suitable plan for you.

I would recommend you submit an enquiry to policycheck.co.uk

They helped me transfer my ISA's into more suitable plans (I had one with the Abbey and it was awful) They will be able to help you.

[dzug]

With a mini-cash ISA all you are looking for is the highest interest rate (take any bonus for eg the first 6 months or whatever with a pinch of salt - it may not last) plus ease of deposit and withdrawal.

You don't need advice about the merits of stocks and share - a financial advisor is superfluous.