New Saver in need of a plan

badger09

gallaghb wrote: »

But for Santander you do need to have direct debits going out of it right? Maybe I'll just bite the bullet and switch. I just quite the value the service I get at FD.
To take advantage of the FD reg saver I assume you just need to have the 1st account and they're happy if there's no DDs going out or salary being paid in?

DON'T switch from First Direct!

Why give up access to 2x Regular Savers @ 6%. You need to retain your FD current accounts.

1st choice would be 2 x TSB Regular Savers

Then Club Lloyds x3 and 2x Regular Savers

Next, probably open at least 1 Santander 123 account in addition to the others mentioned. Move the DDs which will pay you the highest cashback.

Congratulations on becoming debt free :T

savings_my_hobby

Halifax reward could provide An easy boost to your monthly savings interest without tying up much cash, although it does need two direct debits so it may not suit you.

Its a must have account imo

xylophone

Keep the FD and the regular savers and get a Santander 123 - move the DDs which give the cash back.

http://www.santander123.co.uk/?cid=ppc-ca-goo-br-123%20santander&gclid=CPzV3aKo4McCFSLkwgodfzQMrA

You might even look at a Santander mortgage?