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Thread: Marks & Spencers 2 year fixed rate ISA bond, M&S Finance ISA rates

  1. #1
    Gav
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    Marks & Spencers 2 year fixed rate ISA bond, M&S Finance ISA rates

    This week was hard to find a good 2 year fixed rate ISA, previously there'd been a lot offering 3.25%, but this week the best I've found is M&S with 3.2%, more information on the current best 2 year fixed rate isa:

    Cash ISA Information - Savings and Investments - M&S Money UK

    2 year fixed rate interest of 3.20%

    ---
    Fixed Rate Savings option

    With a fixed rate Cash ISA your interest is fixed for 1, 2 or 3 years, even if rates fall. You can save between £500 and £5,100 each tax year. And if you need to access your savings, you can make a full withdrawal before the end of the fixed term. We charge a flat rate of £50 to withdraw from a 1 year bond, £75 from a 2 year bond and £100 from a 3 year bond. So you may get back less than you put in. Partial withdrawals are not permitted.
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    BM Savings offering 3.10% 2 year fixed rate ISA

    the 2nd best is BM Savings with 3.10%
    2 year fixed rate ISA (yearly interest) | BM Savings

    Benefits and features


    • Guaranteed interest rate - so you know how much your savings will be worth with an interest rate fixed for the account term
    • Tax free savings - you don't need to pay any income tax on your interest
    • Save from £500 - up to £5,100 in the current tax year
    • Transfers from other Cash ISAs allowed


    Account Name
    2 year fixed rate ISA (yearly interest)

    Interest Rates
    3.10% AER (fixed)

    Tax Status
    Interest will be paid tax free.

    Conditions for Bonus Payment
    There is no bonus available on this account.

    Withdrawal Arrangements
    Withdrawals are only allowed by post subject to a loss of interest, this can range from 90-180 days los of interest on the amount withdrawn depending on the remaining term of the product.

    Access
    Postal
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  3. #3
    Gav
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    M&S 2 year Cash ISA fixed rate

    M&S are still offering the best 2 year cash isa:

    Cash ISA Information - Savings and Investments - M&S Money UK
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    Santander Fixed Rate Postal ISA offering 3.25%

    I was looking at the santander website and their interest rates for ISAs and noticed there was a 2 and a bit year (maturing 01/01/2013) postal ISA offering 3.25% but I can not find anything at all on the website, maybe worth dropping into a Santnder branch and asking, or ringing them. IT's the top ISA here with more than £10,000:

    ISAs - interest rates: Santander
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    Once again it maybe worth ringing Santander for their postal ISAs, but online savings M&S win again with 3.2%
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    same as last week, check into the postal isa with santander of 3.25% or the online M&S tax free savings.
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  7. #7
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    same again, Sntander for postal ISA at 3.25% for 2 years and M&S doing their online ISA for 3.2%.
    Best Deal: Odeon Cinema tickets from as little as £5, UK deal: Cheap Cinema

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    2 year cash isa is still best through Santander for postal isas and M&S for online isas.
    Best Deal: Odeon Cinema tickets from as little as £5, UK deal: Cheap Cinema

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