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Go Direct Personal Finance News  2009

ISA season kicks off early

Traditionally ISA season starts to gather pace in mid February, but this year things appear to have started early.

Since the start of the year, new and/or revised products have been launched by, amongst others Alliance & Leicester, Birmingham Midshires, Chelsea BS, Leeds BS, The Post Office and Santander.

Providers still appear to want to tie savers’ money in, resulting in the number of fixed rate ISAs on offer more than doubling in the last year from 39 to 84.

However, providers do appear to be listening to savers’ demands for short term commitments, as 68% of all fixed rate ISAs available are for terms of two years or less.

Cash ISA Selections




Introductory Bonus


Min Investment

Top Variable Rate Cash ISAs

Manchester BS

Premier ISA Issue 4


Rate includes a 1.00% bonus for 12 months

60 Days


Newcastle BS

Reward Saver ISA


Rate includes a 1.00% bonus for 12 months

120 Days


Buckinghamshire BS

Monthly Income 180 Day 12 Cash ISA



180 Days


Top One Year Fixed Cash ISAs

Bank of Cyprus UK

Cash ISA Bond 2nd Issue



1 Year


United Trust Bank

1 Year Fixed Cash ISA (Transfers in only)



1 Year


Cheshire BS

12 Month Fixed Rate ISA



1 Year


Source: Moneyfacts.co.uk 25.01.10

Michelle Slade, spokesperson for Moneyfacts.co.uk commented:

“As the new ISA season gets underway, savers will be hoping that this year will be as competitive as ever, bringing with it increasing rates.

“Demand for savers’ money caused rates to rise during most of 2009, but with restrictions on how much can be invested, ISAs rates showed limited benefit.

“For the first time since their launch in 1999, the top variable ISA rate is lower than that on a standard variable savings account.

“However, the tide has turned and ISAs are seeing rates increase, while other savings rates are being cut.

“ISA savers will be further cheered as the increased cash ISA allowance of £5,100 is opened up to all savers from the start of the new tax year and not just the over 50s.


Moneyfacts Group
Moneyfacts is the UK’s leading independent provider of personal financial information and our data is used and trusted throughout the financial industry.



Think carefully before securing other debts against your home, your home may be repossessed if you do not keep up repayments on your mortgage.

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