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  • FIRST POST
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:33 PM
    • 1,042Posts
    • 3,132Thanks
    Special_Saver2
    Regular Savings Accounts: The Best Currently Available List!
    • #1
    • 27th Nov 07, 10:33 PM
    Regular Savings Accounts: The Best Currently Available List! 27th Nov 07 at 10:33 PM
    1. Introduction

    Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area

    I am only including accounts where the interest rate is 2.5% or better, or 1.5% if there are particularly favourable terms and conditions (e.g. fixed rate, no maturity date, allow payment of £500 or more per month, or have unlimited withdrawals without penalty).

    I have not included regular saver ISA accounts which you can find in Kazza242's thread here: Mini Cash ISAs: The Best ISAs Currently Available List

    I have included children's regular savers but I would strongly recommend that you read the section about the tax implications
    for interest from children's accounts in Martin's article Best Child Savings.

    If you are not sure whether the best place for your money is in a regular savings account or another type of savings account then look at Martin's article How to Start Saving. If you want to see a worked example of how to use these accounts to save the maximum possible, see the thread What is the Highest Interest Rate You Can Get?

    If you have information about a new regular saver account then please feel free to post a message on this thread or you can write a separate thread and then post a link here. Please try and limit discussion on this thread to regular savings accounts.

    If you want to bookmark a link that allows you to jump straight to the end of this thread then use this: http://forums.moneysavingexpert.com/...8697&page=9999

    If you want to receive automatic alerts when new posts are added to this thread then use the following instructions. Login, go to the top of any page in this thread, click "Thread tools" then click on "Subscribe to this thread" and then select whether you want to be notified as soon as there is a new post (you will receive an e-mail telling you to go to the website for more details) or select daily or weekly updates (you will receive an e-mail daily / weekly with a handy summary of all the new posts).

    You may also be interested in the following threads:
    How can regular savings accounts offer such good interest rates?
    Are Regular Savers still worth it? (Calculations and discussion regarding drip feeding lump sums into regular savings accounts)
    Is there a best time of the month to deposit in Regular Savers?
    Transfers from Barclays to regular savings accounts
    Interest on BACS credits
    Direct Debit Payments
    A-Z of bank/building society sort codes/account nos
    Account opening date and 13th payments

    Websites with useful information include:
    Moneyfacts.co.uk News Page
    Moneyfacts.co.uk Regular Savings Accounts Page (you need to choose the right hand option on that page to view all regular savings accounts)
    Moneyfacts.co.uk Children's Savings Accounts Page
    Moneysupermarket.com Regular Savings Accounts Page
    Savings Champion Regular Savings Account Page


    Thanks to Money Savers
    adindas, Afahmaep, alanq, aleph_0, AlwaysLearnin, apt, Archi Bald, Ashen, Baldur, blindman, Bluebirdnick, bob792, bristolleedsfan, Careful_ly, Chadsman, Chaykin, chookie1, chris1, colsten, Cosworth806, ctdctd, Dagobert, DeepSporran, dougz, Ed-1, edda, F4, Fella, Froglet, Frogletina, glider3560, gt94sss2, happy with my lot!!, HardCoreProgrammer, IanIan, IanManc, info addict, InMyDreams, innovate, interest Ted, jdavtz, jimbow25, johnmoney05, karlie88, Kazza242, Ken68, KTF, lightbulb2760, LongTermLurker, lr1277, lucky77, mary, midzone, MarkFromMullion, MARTYM8', Milarky, moi, moneylover, Money_Man_Steve, MoneySaverLog, motoko, Mr Pumpendumpen, MRMX9, mrssjs, Nessie23, Newly retired, Nick_C, nicko33, notalk, numbers123, Old Slaphead, opinions4u, oxenryd, parker1982, patientperson, penguine, premierfella, psychic teabag, quinlanmd, RayWolfe, red ant, redcar, Rich2808, SalsaDanca, secret wookie, schiff, shokadelika, Snowman, Speculator, steveteach, steve65e, veryintrigued, ViksB, vinylmusic, Vortigern, weeallen, Westie983, worried3, Willing2Learn, and YorkshireBoy for their contributions (useful posts either directly on this thread or on another thread that I have then incorporated here).

    I have divided up the information here into several different sections. You can therefore easily skip any sections that you are not interested in.

    Unless indicated otherwise, you can only open one of each account.


    I have included a summary of the terms and conditions of each account as these can be complicated with regular savings accounts. I would advise you to look at these terms and conditions to check that the account is suitable for you.

    2. No Time Limit / Account Maturity Date

    The advantage of these accounts is that you can build up a large balance which all earns a high rate of interest. You also avoid the hassle of continually opening and closing accounts and setting up new standing orders for each new account. The terms and conditions are also generally good - they generally allow you to make a penalty-free withdrawal and miss a payment each year. The disadvantage of these accounts is that there is no guarantee that the rate will remain high and often these accounts have a balance limit. If the interest rate drops after 12 months then I include the account in post 4 instead.

    3. Matures After More Than 12 Months

    The interest rate drops significantly after the date specified.

    4. Matures After 12 Months

    These accounts usually offer higher interest rates and they often offer interest rates that are fixed for the full 12 months. The main disadvantage with these accounts is that after 12 months the interest rate usually drops significantly. The terms and conditions can also be quite restrictive, so read them carefully.

    5. Matures After 12 Months, Requires Another Account

    These accounts are similar to the above accounts but they require you to open another account (usually a current account, which often has a funding requirement). They are more hassle than the accounts in section 4 but usually have a higher interest rate in return.

    6. Matures After 12 Months, Requires Another Product (Insurance or Investment)

    These accounts usually also offer a short term, high interest rate but they require you to make a long term investment or take out an insurance product.

    7. Matures After Less Than 12 Months

    These accounts are usually Christmas Saver accounts designed to encourage saving in time for Christmas.

    8. Homebuyer Accounts

    Okay, these accounts will not be of much use to you unless you are going to buy a house but they may be of use to some of you out there.

    9. Best Feeder Accounts

    These are accounts where you can leave a large lump sum and drip feed the money into your regular savers each month. Certain accounts are not listed here as they cannot transfer money directly to regular savings accounts. The accounts listed can do BACS transfers to regular savings accounts directly. Alternatively, if you have an offset mortgage, you might be able to use that as a feeder account but it is only worth doing so if the interest paid (after tax) on the regular saver account is higher than the interest rate on your mortgage account.
    Last edited by Special_Saver2; 05-11-2016 at 4:02 PM.
Page 226
    • YorkshireBoy
    • By YorkshireBoy 11th Oct 16, 7:22 PM
    • 28,280 Posts
    • 16,106 Thanks
    YorkshireBoy
    It's about time NW got round to updating the statement on their website to reflect it.
    Originally posted by Ed-1
    It's not just the "statement on their website" though Ed...they'd need to re-write the T&Cs, and mail them to all customers...even those with FlexAccount and FlexPlus accounts since it's all one document.
    • Ed-1
    • By Ed-1 11th Oct 16, 8:29 PM
    • 1,492 Posts
    • 808 Thanks
    Ed-1
    It's not just the "statement on their website" though Ed...they'd need to re-write the T&Cs, and mail them to all customers...even those with FlexAccount and FlexPlus accounts since it's all one document.
    Originally posted by YorkshireBoy
    Good point.

    http://www.nationwide.co.uk/~/media/MainSite/documents/products/current-accounts/shared/P857_ImportantInformation-TermsAndConditions.pdf

    It seems that it's easier for NW to choose not to enforce that condition (relaxing it) rather than go to the hassle of explicitly changing it.
    • darkidoe
    • By darkidoe 11th Oct 16, 8:40 PM
    • 638 Posts
    • 683 Thanks
    darkidoe
    I hope you have this is writing as this is not what the T&C's say.

    It says

    If you have previously held a FlexDirect account in the last 12 months, you will not be entitled to the introductory rate or offer under a new agreement and therefore you will receive the standard 1% gross p.a/ AER (variable) interest rate.

    The choice is yours, but I have opened up at flex account in September when my rate finished, and will be down grading my flex direct in December when the Flexclusive regular saver matures, and I will have funded the flex account with £750 for the last three months, which will qualify me for the next flexclusive regular saver if they offer one, at a rate that is competitive, that said in a years time Im not sure that they will be offering the rate but its worth the wait to find out, by not holding a flex direct for 12 months.
    Originally posted by Westie983
    Why didn't you just downgraded the FlexDirect to FlexAccount? Any particular benefit of opening a separate Flexaccount? Unless of course they do not allow for this FlexD-FlexA conversion to take place.

    I think I shall not risk it and just downgrade the account to a Flexaccount.
    Save 12K in 2016 # 8 £16 253.55/12 000 (135.45%) Achieved!
    • Speculator
    • By Speculator 11th Oct 16, 9:28 PM
    • 1,588 Posts
    • 1,206 Thanks
    Speculator
    Why didn't you just downgraded the FlexDirect to FlexAccount? Any particular benefit of opening a separate Flexaccount? Unless of course they do not allow for this FlexD-FlexA conversion to take place.

    I think I shall not risk it and just downgrade the account to a Flexaccount.
    Originally posted by darkidoe
    Mary is correct. I have been paid THE FULL 4.89% in August and September so what the advisor told me was right. Didn't need to downgrade my Flexdirect.

    see this thread
    http://forums.moneysavingexpert.com/showthread.php?t=5515190&page=2

    My wife kept open around 6 flexdirect a/cs open and before last xmas, made £150 in Amazon vouchers with the Nationwide Visa Simply Rewards promo. I made about £100
    Last edited by Speculator; 11-10-2016 at 9:49 PM. Reason: .
    • adindas
    • By adindas 11th Oct 16, 9:55 PM
    • 2,858 Posts
    • 1,284 Thanks
    adindas
    Mary is correct. I have been paid THE FULL 4.89% in August and September so what the advisor told me was right. Didn't need to downgrade my Flexdirect.

    see this thread
    http://forums.moneysavingexpert.com/showthread.php?t=5515190&page=2

    My wife kept open around 6 flexdirect a/cs open and before last xmas, made £150 in Amazon vouchers with the Nationwide Visa Simply Rewards promo. I made about £100
    Originally posted by Speculator
    If you keep your flex direct account, to get back 5% interest after one year what did you do ? Does it happen automatically or you will need to inform them to reinstate a higher interest rate ??
    • Ed-1
    • By Ed-1 11th Oct 16, 10:00 PM
    • 1,492 Posts
    • 808 Thanks
    Ed-1
    If you keep your flex direct account, to get back 5% interest after one year what did you do ? Does it happen automatically or you will need to inform them to reinstate a higher interest rate ??
    Originally posted by adindas
    It doesn't happen automatically. There needs to be action on the part of the account holder. So you need to either ask them or do a quick fire switcharoo between FlexAccount and FlexDirect
    • Speculator
    • By Speculator 11th Oct 16, 10:06 PM
    • 1,588 Posts
    • 1,206 Thanks
    Speculator
    If you keep your flex direct account, to get back 5% interest after one year what did you do ? Does it happen automatically or you will need to inform them to reinstate a higher interest rate ??
    Originally posted by adindas
    My wife converted a Flexaccount (she currently has 6 flexdirect opened!)

    I simply opened a second Flexdirect. The advisor did say I could convert a Flexdirect to a flexaccount then convert it back again to get 4.89%. His exact words were "believe it or not , if you convert your flexdirect to a flexaccount and convert it back again to a Flexdirect, you will get 5%".

    However, Nationwide account conversions are only processed over the weekend so it would have taken me about 2 weeks.

    Much easier to simply open a second Flexdirect. I opened my 2nd Flexdirect and did not asked them to apply the 5%. It was automatic.

    I secure messaged them shortly after opening and they confirmed it was earning 5%.
    Last edited by Speculator; 11-10-2016 at 10:14 PM. Reason: .
    • Westie983
    • By Westie983 11th Oct 16, 10:41 PM
    • 3,216 Posts
    • 12,575 Thanks
    Westie983
    Why didn't you just downgraded the FlexDirect to FlexAccount? Any particular benefit of opening a separate Flexaccount? Unless of course they do not allow for this FlexD-FlexA conversion to take place.

    I think I shall not risk it and just downgrade the account to a Flexaccount.
    Originally posted by darkidoe
    I did it this way as my flexdirect has not had £750 paid into each month since September, and I wanted to wait till the end of the flexclusive monthly saver which was opened because I held the flex direct account, also to benefit from the T&C's of another flexclusive monthly saver if they offer one I need to fund a flex account with £750 so this way I have covered both bases, and held the possibility of N/W saying I haven't stuck to the T&C's of the flexclusive monthly saver and avoid paying out 5%, when we are so close to the maturity date. (by not holding a flexdirect account or funded flex account)

    This is based on the T&C's of the current flexclusive monthly saver which either requires you to hold a flex direct account, or have a flex account which has been funded with £750 for the last three months, or hold a flex plus, or have switched to N/W

    Since the rate finished in September I have had just the bare minimum going through the account to fund the regular saver and credit card, so based on above I wouldn't qualify for another flexclusive account if I downgraded the flex direct, without having opened and funded a flex account since september.

    You can also only downgrade in branch and I don't have one local to me, its always good to have donor account although I will probably close the flexdirect account when the flexclusive monthly saver matures in November.
    Last edited by Westie983; 11-10-2016 at 10:52 PM.
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    • adindas
    • By adindas 12th Oct 16, 6:44 AM
    • 2,858 Posts
    • 1,284 Thanks
    adindas
    My wife converted a Flexaccount (she currently has 6 flexdirect opened!)

    I simply opened a second Flexdirect. The advisor did say I could convert a Flexdirect to a flexaccount then convert it back again to get 4.89%. His exact words were "believe it or not , if you convert your flexdirect to a flexaccount and convert it back again to a Flexdirect, you will get 5%".

    However, Nationwide account conversions are only processed over the weekend so it would have taken me about 2 weeks.

    Much easier to simply open a second Flexdirect. I opened my 2nd Flexdirect and did not asked them to apply the 5%. It was automatic.

    I secure messaged them shortly after opening and they confirmed it was earning 5%.
    Originally posted by Speculator
    Fabulous info there Speculator. IMO there is no point to have more than one FlexD at the same time as they only pay one account with 5% which have been echoed by many members here including me. Not to mention the monthly funding requirement.

    I have similar experience to get 5% interest on FlexD continuously without the need to wait for one year that I want to share to have a better understanding the way the algorithm work.

    - At all time I always have 1 FlexD and 2 FlexA. No benefit to have more than one FlexD at the same time. All My FlexD and FlexA get minimum monthly funding requirement at all time.

    - When my FlexD interest drop, I converted it to FlexA. On the same day I converted one of my old FlexA to become a FlexD. In this case, all of my FlexAs have been running for at least a year before conversion back to FlexD.

    - My new FlexD, the conversion of one of my old FlexA has been running for three months now and I have been paid the correct interest of 5%.

    - Doing this you always have FlexD with interest of 5% all the time, no need to wait for one year, no need to open a new a/c which mean credit check.

    I think this method works better than keep your FlexD running with low interest and then ask to reinstate the interest after one year.

    Those who have a spare FlexA, try this it should work.

    It doesn't happen automatically. There needs to be action on the part of the account holder. So you need to either ask them or do a quick fire switcharoo between FlexAccount and FlexDirect
    Originally posted by Ed-1
    Thanks for the info Ed-1
    Based on my personal experience (as above), it seems to me the algorithm just check the length of the account get paid interest lower than 5% and therefore after one year it will entitle to get 5% again based on T&C ?

    I still cannot understand the way Ed-1 and Speculator do "same day (or one day gap) conversion" FlexD - FlexA and back to FlexD again, to get 5% interest. AFAIK when you convert it from FlexD - FlexA they will replace your debit card; the FlexD debitcard is grey while FlexA debitcard is Blue. At least this is my personal experience whihc I have been doing for a few times. So doing that with just or few days gap you will get two new debit cards sent to your address ?? If this is the case it is quite risky to get caught of abusing the system as it will put you under their microscope knowing that you get two debitcards at almost the same time for the same account. Not to mention the cost for them doing them to change the debitcard twice.

    My view is open for discussion to get detail understanding the best way to get 5% continuously without the need to wait for one year.
    Last edited by adindas; 12-10-2016 at 8:10 AM.
    • zolablue25
    • By zolablue25 12th Oct 16, 10:46 AM
    • 1,482 Posts
    • 439 Thanks
    zolablue25
    My wife and I have a joint FlexAccount that we have held for many years (used to use for overseas cash withdrawals). We also have the Flexclusive saver account attached. Is there any advantage to this account over the FlexDirect one? If not, what is the point of offering both? Just curious as to what I should consider before upgrading to FlexDirect.
    • Ed-1
    • By Ed-1 12th Oct 16, 10:48 AM
    • 1,492 Posts
    • 808 Thanks
    Ed-1
    My wife and I have a joint FlexAccount that we have held for many years (used to use for overseas cash withdrawals). We also have the Flexclusive saver account attached. Is there any advantage to this account over the FlexDirect one? If not, what is the point of offering both? Just curious as to what I should consider before upgrading to FlexDirect.
    Originally posted by zolablue25
    5% interest on FlexDirect. 0% on FlexAccount?
    • zolablue25
    • By zolablue25 12th Oct 16, 11:02 AM
    • 1,482 Posts
    • 439 Thanks
    zolablue25
    5% interest on FlexDirect. 0% on FlexAccount?
    Originally posted by Ed-1
    Indeed. That bit I get. But my query was more along the lines of "why would anyone keep a FlexAccount rather than a FlexDirect one?". Is there any benefit to the FlexAccount at all?

    Also, have I read the Ts&Cs correctly (I only had a quick look as I'm supposed to be working!) and you can have one each and a joint one? So for a couple you can stick £7500 in at 5%?
    • johnmoney05
    • By johnmoney05 12th Oct 16, 12:00 PM
    • 1,384 Posts
    • 442 Thanks
    johnmoney05

    - When my FlexD interest drop, I converted it to FlexA. On the same day I converted one of my old FlexA to become a FlexD. In this case, all of my FlexAs have been running for at least a year before conversion back to FlexD.
    Originally posted by adindas

    Could I ask whether you could change the type of your accounts online? And how?

    I could change my FlexA to FlaxD, but not vice versa.
    Last edited by johnmoney05; 12-10-2016 at 12:05 PM.
    • adindas
    • By adindas 12th Oct 16, 12:54 PM
    • 2,858 Posts
    • 1,284 Thanks
    adindas
    Indeed. That bit I get. But my query was more along the lines of "why would anyone keep a FlexAccount rather than a FlexDirect one?". Is there any benefit to the FlexAccount at all?
    Originally posted by zolablue25
    - introductory interest of 5% is just fro 1 year so after one year it will drop (1% ?). Many people are not interested this sort of interest especially if there is a monhtly funding requirement of £1000.
    - Free European travel insurance go with fFex AC if you do monthly payment of £750.
    - The possibility to upgrade it to become Flex AC ac to become Flexdirect later after one year. Upgrading an account does not have a credit check.
    Last edited by adindas; 12-10-2016 at 1:23 PM.
    • zolablue25
    • By zolablue25 12th Oct 16, 1:38 PM
    • 1,482 Posts
    • 439 Thanks
    zolablue25
    - introductory interest of 5% is just fro 1 year so after one year it will drop (1% ?). Many people are not interested this sort of interest especially if there is a monhtly funding requirement of £1000.
    - Free European travel insurance go with fFex AC if you do monthly payment of £750.
    - The possibility to upgrade it to become Flex AC ac to become Flexdirect later after one year. Upgrading an account does not have a credit check.
    Originally posted by adindas
    We don't even use the travel insurance as it doesn't cover my wife's Pre Existing conditions, so that bits useless to us anyway. Maybe need to upgrade to FD and up the monthly feed to £1k. Presumably, if we upgrade the Flexclusive RS will move with it?

    Thanks for your input.
    • Kim_13
    • By Kim_13 12th Oct 16, 2:17 PM
    • 875 Posts
    • 857 Thanks
    Kim_13
    Could I ask whether you could change the type of your accounts online? And how?

    I could change my FlexA to FlaxD, but not vice versa.
    Originally posted by johnmoney05
    You can, but only if the change is deemed an upgrade.

    A Flex Direct can be changed to FlexPlus online, but you have to ring up to get the FlexAccount.

    I sent them a suggestion a while back to allow all changes online, but they don't seem to have published it or a response to it on their suggestions site.
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    • darkidoe
    • By darkidoe 15th Oct 16, 7:57 PM
    • 638 Posts
    • 683 Thanks
    darkidoe
    My wife converted a Flexaccount (she currently has 6 flexdirect opened!)

    I simply opened a second Flexdirect. The advisor did say I could convert a Flexdirect to a flexaccount then convert it back again to get 4.89%. His exact words were "believe it or not , if you convert your flexdirect to a flexaccount and convert it back again to a Flexdirect, you will get 5%".

    However, Nationwide account conversions are only processed over the weekend so it would have taken me about 2 weeks.

    Much easier to simply open a second Flexdirect. I opened my 2nd Flexdirect and did not asked them to apply the 5%. It was automatic.

    I secure messaged them shortly after opening and they confirmed it was earning 5%.
    Originally posted by Speculator
    Very tempting to keep the FlexDirect even after the promo rates drop off, if that's the case. At least I will still get a 1% reserve account for a year and can keep the regular saver running. WIll probably do that! Thanks for sharing the info!
    Save 12K in 2016 # 8 £16 253.55/12 000 (135.45%) Achieved!
    • Special_Saver2
    • By Special_Saver2 15th Oct 16, 11:31 PM
    • 1,042 Posts
    • 3,132 Thanks
    Special_Saver2
    Hi Folks,

    I have completed this weekend's update for the first page of this thread.

    - Nationwide FlexDirect account entry in post 9 updated to include a note that posters on pages 225 and 226 of this thread report that despite the terms and conditions, they have been able to continue getting 5% on this account after 12 months by downgrading and upgrading the account
    - TSB Classic Plus account (post 9) entry updated to show this will pay 3% interest on £1,500 from 4th January 2017
    - Lloyds Bank Club Lloyds current account (post 9) entry updated to show this account will pay 2% interest on £1 - £5,000 from 8th January 2017
    - Ipswich BS Smart Save (Issue 2) account moved from post 2 back to post 4 as I understand from AlwaysLearnin in post 4462 that the 2.5% bonus interest is only paid on the last 12 months of deposits at the anniversary date with amounts from prior years only getting the basic 0.25% interest

    Many thanks to all the forum users who have provided useful information throughout the week.

    I will do another update the weekend after next.

    SS2
    -----------------------------------------------------------------
    For those new to this thread, the first few posts are constantly updated and are here: http://forums.moneysavingexpert.com/...=608697&page=1
    Last edited by Special_Saver2; 15-10-2016 at 11:37 PM.
    • badger09
    • By badger09 16th Oct 16, 11:15 AM
    • 4,266 Posts
    • 3,480 Thanks
    badger09
    Special_Saver2

    Re Nationwide Flexdirect 5%, see my post 81 here. No downgrade/upgrade necessary.

    http://forums.moneysavingexpert.com/showthread.php?t=5424775&page=5
    • alternate
    • By alternate 18th Oct 16, 2:07 PM
    • 412 Posts
    • 144 Thanks
    alternate
    Does anyone have the details for making BACS deposits to Leeds Building Soc Regular Saver?

    I am sure it has been asked and answered before but it is a long thread to check and the LBS site has nothing.

    Thanks
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