Reg. Savers 5%

ValiantSon

redux wrote: »

This is what you actually wrote:



As I say, you aren't comparing like with like, as these are different scenarios for the amount available and when, and furthermore the person with the £3000 lump sum at the start could use both accounts to make more than either of those numbers, about £55.

In other words, you give one hypothetical example which nobody would/should actually follow; it is not better.

I'm not going to continue arguing this point with you. You interpreted something I wrote incorrectly. Move on.

aj23_2

You'd get more long term with accounts which allow higher caps or no fixed term. Like Nottingham or Yorkshire or N+P building societies.

AndyPK

Could you tell me which one / rate you are referring to please ?


https://secure.ybonline.co.uk/personal/savings/

polymaff

AndyPK wrote: »

Could you tell me which one / rate you are referring to please ?
https://secure.ybonline.co.uk/personal/savings/

Yorkshire Bank

Yorkshire Building Society

Two different organisations.

AndyPK

so they have a bond at 1.6%

polymaff

AndyPK wrote: »

so they have a bond at 1.6%

Which, for a 3 year bond, is left in the dust by NS&I's current offerings...:)

AndyPK

I have a nsi 2.3% bond opened over a year ago. Am I allowed another ?

polymaff

AndyPK wrote: »

I have a nsi 2.3% bond opened over a year ago. Am I allowed another ?

EDIT: Bet that that is actually a 2.2% bond

You're allowed up to £1m of the latest 2.2% guaranteed growth bonds

and

up to £1m of the latest 2.15% (2.17% AER) guaranteed (monthly) income bonds

Three year term, early withdrawal penalty of the equivalent of 90 days interest on the sum withdrawn.

One day MSE will update the header to this forum to reflect the above :rotfl:

aj23_2

AndyPK wrote: »

Could you tell me which one / rate you are referring to please ?


https://secure.ybonline.co.uk/personal/savings/

I said Yorkshire Building Society, not Yorkshire Bank

AndyPK

god you have to earn your cash back with first direct :rotfl:

I've never seen so many questions on an application.

RBS was easy!

And it kept timing out! 4 times I went thru it. So nearly got to the end on the 2nd time?

On the 4th time it wouldn't let me get to the end. (the previous application must have been registered).

Thought I would leave it to see what would happen.

Had an email today, to say they have my details already so won't get the cash back. Phoned them up and the answer is I have to go thru the application on the phone taking 45 mins!

Ur not today! Think I will look at the other ones!
I liked that £300/month saver

So be warned! Have your details to hand, try not to think of the questions too much! and type quickly!