Savings Accounts Guaranteed to Increase Rates (November edition)

tom188

Another one to add to still open to new applicants
Saffron Building Society Postal 30 Day Tracker ISA
0.8% + Base Rate for first 6 months
Base rate afterwards (ad infinitum)

tom188

Closed to new applicants
Saffron BS Postal 180 Day Tracker ISA = BR + 0.5% ad infinitum
Stroud and Swindon Branch Premier = BR until 30.09.2008

tom188

Would it be possible to add the Halifax ISA to your list.

I dont believe the Halifax ISA Saver Direct has a rate guarantee

Geoffo_M

tom188 wrote:

I dont believe the Halifax ISA Saver Direct has a rate guarantee

Don't wish to appear too thick, but it's 5% now, are you saying that they needn't increase this rate if they don't want to?

Is this thread only for guaranteed increases?

tom188

Don't wish to appear too thick, but it's 5% now, are you saying that they needn't increase this rate if they don't want to?

No the rate is variable and need not change if Halifax do not want to. Generally products that a provider is pushing will go up when the rate goes up, but as we have seen previously this is not guaranteed to happen.

This thread is dealing with products that have caveats regarding base rate changes.

home_alone

Looks like ing could be last again, what are they doing.

gary

Mr_Mumble

Tom188,

Thanks for the info, I've put the data about the closed accounts on the list. Haven't included the Saffron 30 day tracker ISA as the bonus is less than a year (as mentioned in the 1st post). Why? For 3-6 month bonus accounts the AER figure isn't particularly insightful which would mean having to include gross interest rate figures and that'd open a whole new can of worms with monthly vs annual interest payment accounts, just trying to keep a lid on the complexity of the table basically.

Heinz

I've probably missed something here but I can't see any details of A&L increases - are they not bothering?

I have A&L Online Saver (4.65% from 2/9/06 - with £1k in), PlusSaver (4.3% w.e.f. 2/9/06 - with £1.04 in) and a Direct ISA (5% w.e.f. 2/9/06 - opened 4/3/05).

Kazza242

Heinz wrote:

I've probably missed something here but I can't see any details of A&L increases - are they not bothering?

I have A&L Online Saver (4.65% from 2/9/06 - with £1k in), PlusSaver (4.3% w.e.f. 2/9/06 - with £1.04 in) and a Direct ISA (5% w.e.f. 2/9/06 - opened 4/3/05).

A&L haven't announced their savings or cash ISA increases yet (if any).

dealornodeal_3

home_alone wrote:

Looks like ing could be last again, what are they doing.

gary

i was told that with ING that a statement would be made on 24/11 if there is a rate change!