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So the same government that was warning banks last year they need to offer savers better rates has come out with a savings bond that isn't even competitive with the stingy rates offered by the banks, great job!
NS&I did everyone a favour last year with that 6.2% 1year bond!
So annoyed I missed out on it!
Yep, got a good lump in that one. 😍
I have a fixed year account with Santander, it was supposed to be fixed at 5.2% until September. They are now reducing it to 4.2% in May.
I have the same product, the rate was always variable. Some banks say that they give something like a "fixed 1% bonus" but that means nothing at in the other 4.2% would be variable
Saving rates are just too low, they need increasing to encourage savers..
Yeah but hopefully they’ll stabilise at the 3-4% mark, I really can’t see the crazy low 0.25% rates coming back anytime soon
@@jamie_j0h yeah those low rates we had years ago were disgusting !
Gold is the best investment overall with no middle men
but it produces no interest, just goes up and down over the years. doesn't produce anything
Paragon is the best for easy access . But once my Santander is set up I’m going use there 7% up to 4k
For those considering the Trading 212 ISA to take advantage of the 5.2%, it’s worth noting that it’s currently a non-flexible ISA.
In theory you could just complete a partial ISA transfer out of the Trading212 account into a flexible ISA whenever you need to withdraw without hurting your allowance. At least I think it works that way.
Also be advised you are taking on risk as you are investing in the risk level 1 fund
@@IAmebAdgerYou’re right, a representative confirmed this works. They did mention one caveat would be the ISA transfer time of 30 working days as Trading 212 is a S&S ISA even if the holdings itself are all in cash.
thanks for this info - does that mean it takes up your £20k ISA allowance or is it separate?
Depends if you open an ISA with them lol
I can't save more at the moment because I have a benefits top up. If I save more I will be worse off. Instead I am choosing to make regular mortgage overpayments
I also have a help to save account. I put the maximum in this every month but need to take it out of my regular savings to stay under the £6k limit. I have calculated I will only need to do this for the next 3 years as my income is rising
Kroo, 4.35% up to £500,000
is there any point now having in saving bank accounts as the new limit will only be 500 and the rest will be taxed so i think it better of to put in a cash ISA for my money now.
yeah but in future if the Gvt needs new tax revenue, they will start looking at cash ISA`s
Skipton B/s have an 18 month fixed cash ISA at 4.75% or a 30 months fixed cash ISA at 4.5%……do you think rates will fall so that you’d gain more than the .25% loss from the first 18 months in the last 12 months….?
I think it’s a possibility
Hi Andy, feeling a bit miffed with Chase. I thought I had complied with the change in cash back by paying in £1500 to my savings account in March to qualify for April. But the new cashback doesn't start til April 23 and because I didn't pay £500 in to my Chase current account I didn't qualify for 1-23 April.
I guess it's worth going with a fixed ISA over those EA ones even though the EA accounts offer slightly better rates. No doubt those rates will start to tumble below the highest Fixed rates at the moment over the next couple of months anyway.
What about virgen money?defined access E- saver is worth it?
your missing the Monument Easy Access 5.11% (min £10K though)
I have a question around how the interest rates work! I am very new to the savings game and trying my best to sort out my financials so hopefully someone can help!
I see Moneybox has the 5.16% * AER (variable) offer.
If I was to deposit say £500 a month into that account, every month for the year, would the interest be compounded and total up to a higher amount or would it work out to be just a 5.16% increase on top of what I have deposited total?
Any help on what is most likely a silly question would be greatly appreciated!!
First direct 7% regularly saver £300 pm max
Charter through monzo. Next day access isa 4.8%, also monzo standard easy access isa is 4.1%.great now we can have multiple ISA
Hey Andy,
The Cahoot Sunny Day Saver at 5.2%, are the interest paid monthly or at the end of the year?
How can receive money?
Did Ulster change their savings account? I have the Ulster Loyalty saver paying 5.2% and dont have a current account with them. I opened it in December last year..
Yep!
can't get one as a new account now?
Chase have just announced a 5.1% account, (09/04/24) got an email today
Cynergy 5.1%
Great video 😊
You always miss the 7 year fixed isa !
Why would you even entertain this
Very few people are going to want to lock their money away that long, and the ones that do would probs be better putting it into the markets