Whats best options??

GTR_King

Ok so whats my best options?

I have some money in an NSI investment A/C & Would like to move it to somewhere else (Maybe with better interest rates)

I have
Barclays Current A/C
Barclays Everyday Saver A/C
Barclays Instant Cash ISA Issue 1
TSB Classic plus A/C
TSB E Savings A/C

All I would like is instant Access/Unlimited withdrawals & Deposit money in when every i want.

So what the best thing I should do??

colsten

How much have you already got where?

How much more will you have to deposit when?

GTR_King

what important about the numbers??

JohnRo

No need to be coy about the numbers imho, few if any care what the amount is, only that the suggestions and opinions on what to do with it are appropriate.

GTR_King

Ok thanks but what is my best option to sort this extra money??

JohnRo

Not being evasive but you'll need to provide some information about personal financial circumstances and associated amounts if you want serious replies.

GTR_King

Ok thanks... I just have some extra money in an NS&I investment A/C & would like to put it somewhere with a good interest rate and can access the money anytime and take it out when ever I want etc...

I have about £1000 which I wanna put somewhere but dunno where tho.

I am financially fine & not in debt

JohnRo

Realistically that rules out any sort of investment account.

You already have a TSB classic plus offering 5% gross on account balances up to £2K, is that maxxed?

It's just a case of looking at tables of top interest bearing accounts, predominantly current accounts, for the best rate on offer currently that you aren't already utilizing.

http://www.moneysavingexpert.com/banking/compare-best-bank-accounts

If you decide it's money you don't need to access or spend then a S&S ISA is an option but it sounds like that's not applicable.

GTR_King

TSB Classic plus is not maxed out (But use that A/C for my spending money)

It's money I would like to Save/Not spend (If have 2) But would like to have instant access (Take money out when ever I want) & deposit money in when ever I want...

JohnRo

It would be sensible to keep the balance in the highest paying interest accounts at the highest balance possible, up to the limit required, for the longest time possible, use your lowest interest account as the slush fund/spending account.

GTR_King

Ok so would this be better option for me

Barclays Current A/C (Bills/rent etc)

TSB Classic Plus Keep £1900 in it then at end of the month transfer £500 in & out to keep the interest.

Then open TSB Classic A/C For my spending money or just use barclays A/C For everything?

is that better option?

Would like my spending money/bill money separate etc..