We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Savings Advice

Parisian
Posts: 410 Forumite


Hi All
I currently have:
1. Around 73k in a cash ISA with First Direct at 1.5%
2. Around 30k in a Santander First Home Saver Account at 1.5%
3. Around 5k in a First Direct Current Account not receiving any interest but for my daily transactions
Could anyone kindly advise on a better set up?
I've spent ages today thinking how I could combine accounts across First Direct and Santander to get the higher rates. I need to keep my 73k ISA away from my other savings to not go above the 85k limit with any one institution, so will not be adding this years £15,240 to it. I may hold out for a Help to Buy ISA for this year, but not keen on how little you can save in it (but hoping to buy a property in the next years so may be worth it).
Also read with interest about the S&S ISA's which I know very little about.
Any advice would be very much appreciated :T
I currently have:
1. Around 73k in a cash ISA with First Direct at 1.5%
2. Around 30k in a Santander First Home Saver Account at 1.5%
3. Around 5k in a First Direct Current Account not receiving any interest but for my daily transactions
Could anyone kindly advise on a better set up?
I've spent ages today thinking how I could combine accounts across First Direct and Santander to get the higher rates. I need to keep my 73k ISA away from my other savings to not go above the 85k limit with any one institution, so will not be adding this years £15,240 to it. I may hold out for a Help to Buy ISA for this year, but not keen on how little you can save in it (but hoping to buy a property in the next years so may be worth it).
Also read with interest about the S&S ISA's which I know very little about.
Any advice would be very much appreciated :T
0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.4K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards