Attn Kevin Mountford.

Having just read your article on investing early in the tax year (which I always do), I wonder whether the following has already come to you and your reader's attention?

In late November 2008, I transferred all my existing Cash ISAs to Natwest (approx £34,000) and gained a 12 month bonus of 1.76% above their standard rate. Naturally, along with all the other variable rate ISAs, the underlying rates have since decreased, but it is still at 2% thereby generating a total return on my existing investment of 3.8% AER (see the NatWest website for details http://www.natwest.com/personal/savings/g2/isas/cash-isa.ashx#tabs=section3.)

I have just enquired of their ISA helpine how they will treat this year's ISA investment and been advised by a very helpful lady that I can invest in the same account number and my new investment will enjoy the same rate until the expiry of the 12 month bonus period - thereby beating all the rates currently available. Naturally I will need to review the situation in November 2009 and then consider switching to another ISA provider depending on the rates available at that time

I thought you and your readers might be interested in this when deciding where to invest their 2009/10 Cash ISA allowance. I

ncidentally, had I invested in the same ISA between 18/09/08 and 09/11/08, the Bonus would have been 2% and I would be even better off now.

I wonder if anyone else has noticed this "pleasant surprise" outcome of the Bonus Rates previously offerred.

Thanks for the helpful advice in your moneysupermarket.com articles

Cheers

John