My savings....

GTR_King

Yeah I can do that....those are the things I would like My savings A/C to have... So far tescos & barclays fit the bill... Just wanna move my money out of my NS&I as that is not instant Access

jimjames

GTR_King wrote: »

Yeah I can do that....those are the things I would like My savings A/C to have... So far tescos & barclays fit the bill... Just wanna move my money out of my NS&I as that is not instant Access

You still don't seem to be "getting it" that a current account pays better than a savings account and to cap it all, the current account has far better options for accessing your money than a savings account.

If you want instant access then you can't get any better than a current account.

But the decision is yours, we can only suggest ideas and you are the only one who can decide what meets your needs.

GTR_King

Well I understand that a current A/C Is better but a savings A/C Will do me so i can store some money and get it out when ever I want... Etc

DiamondLil

I'd post my thoughts, but my head won't stand up to the brick wall......

YorkshireBoy

jimjames wrote: »

...and to cap it all, the current account has far better options for accessing your money than a savings account.

An example for the OP (being as they seem to buy a lot of computer games according to an earlier post)...

See an item in Game (or some other toyshop) priced at £21.99

Current account...pay by debit card...£21.99 leaves the 'savings' account.

Savings account...withdraw £30 via cashcard, hand over £30, get £8.01 back, squander said £8.01 on something else.



Anyway, how's the search going OP? Decided anything yet? If you haven't, then Halifax, BoS, Lloyds, Coventry, Nationwide, Santander, Smile, Co-op, Darlington BS, & Ulster might be worth a look, being as they all have savings accounts with a cashcard and online access.

B_G_B

And some banks allow you to change the name of their current account to something more suitable. Maybe "Savings account" would do the trick.

PeacefulWaters

The more people who pro-actively choose poor interest rates, the longer half-decent rates will be available for those who look after their finances.

The OP is to be applauded for subsidising others.

xylophone

And some banks allow you to change the name of their current account to something more suitable. Maybe "Savings account" would do the trick.

Or "Cravings Account"......:)

GTR_King

I think I have decided to go for the TSB Classic plus A/C With 5% interest rates (Will use that A/C For wages/DD/car insurance/Petrol for car/Rent to parents living at home/other expenses) Will keep A/C Under £2000 and enough in it for all bills Etc. Also Might open Barclays Current A/C will put rest of my money in it (Will used it for Ebay/Amazon/Nights out/Holidays/PS4 Games etc) & Add Tech pack (For iPhone 6/iPad 4/Macbook Pro etc) & Travel plus Pack (Might be going on holiday to New York this year & It has good break down cover) & Add Barclays Regular saver with cash card so I can save £100 each month (So I can use it in the future for buying a car or moving out etc) and will have easy Access to it. That's what I would like to do. So thanks for all the help and advice guys

Archi_Bald

That's better, well done ;-)

If you are quick, you might still be able to swing 2 TSB Plus accounts in your own name - that would save you from needing a Barclays acct, and pays you 5% AER. They definitely won't allow this from the end of the month and shouldn't really now, but people seem to still manage to get two.