1989: Licence to Kill – John Glen
In an attempt to provide a holistic financial planning perspective, I’m putting the latest top rates here, with links to the relevant institutions. As an Independent Financial Adviser (or IFA) I have no vested interest in any of these organisations as an IFA is impartial . Please remember to have a look at the detail also remember that only the first £85,000 per Bank (actually per Banking License – full list here) is covered under the FSCS (Financial Services Compensation Scheme) should the bank go bust. The news today is that Santander has seen a 40% drop in profit, though this is due to ring-fencing money for the claims for mis-selling payment protection insurance (PPI).
Instant Access Accounts
Building Society: Nottingham 3.25%
One Year Deposit
Online: AA Savings 3.60% (AA is Bank of Scotland and Lloyds Banking Group)
Building Society: Barnsley 5.00% (part of Yorkshire Building Society)
Two Year Deposit
Online: Clydesdale Bank 4.01% (part of National Australia Group)
Bank: Yorkshire Bank 4.01% (part of National Australia Group)
Building Society: Melton Mowbray 3.51%
Cash ISA Variable Rate
Online: AA Savings 3.05% (part of Bank of Scotland / Lloyds Banking Group)
Bank: Santander 4.00%
Building Society: Newcastle 3.05%
Cash ISA Fixed Rate
Bank: Halifax 4.40% (part of Bank of Scotland / Lloyds Banking Group)
Building Society: Barnsley 5.00% (part of Yorkshire Building Society)
I would encourage you to review recent blog posts from me – just type in Cash ISA into the search feature and this should list them. I have commented on issues to beware of in relation to some of the top rates and I will reaffirm that I would not personally classify the Barnsley account paying 5.00% as a deposit account. It is an investment and in my humble opinion should be classified as such.

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