The Top Fixed Interest Savings Discussion Area

alternate

you can have multiple fixes at once.

SickGroove

alternate said:

you can have multiple fixes at once.

With the same bank?

kaMelo

SickGroove said:

alternate said:

you can have multiple fixes at once.

With the same bank?

Yes, I can't think of any bank who restricts the number of fixed rate accounts you can hold but there usually is a limit on the total value of deposits you can hold with them across those accounts.

MrDionysus

Missed the boat somewhat. I just belatedly opened the 1 year fixed 4.45% Kent Reliance but now I am worried it will be withdrawn before I can send them my documents (it will take at least three days to collect them).

garyelder

I have 3 bonds with Kent reliance no problem monthly interest 

veryintrigued

Nottingham BS - four products 

Loyalty 14month 4.5% and ISA 4.3
Loyalty 26month 4.6% and ISA 4.4

SickGroove

• FirstSave – 4.5% for one year

What banks don't require you to post physical documents to them, when applying /opening a fixed rate bond?

Seems a bit faffy in this day & age!

Also, if your already banking with them, do you usually still need to send them additional documentation?

refluxer

SickGroove said:

What banks don't require you to post physical documents to them, when applying /opening a fixed rate bond?

Seems a bit faffy in this day & age!

Some banks seem to need proof of ID and/or nominated bank account as a matter of course and some don't, but there's a chance you might fail an online ID check and need to send documents in even with the ones who don't !

FWIW, I've had fixed rate savers with Atom, Ford Money, Shawbrook and Oaknorth in the last few years and don't remember having to send any of them anything through the post. I do tend to pass online verification checks though. Tesco Bank did require a form with my signature on it and some of the smaller Building Societies (eg. Principality) still do some of their business via post, despite having an online portal.

SickGroove said:

Also, if your already banking with them, do you usually still need to send them additional documentation?

In my experience, no. That might be necessary if the fixed saver has a nominated account associated with it and you change it, though.

What_time_is_it

veryintrigued said:

Nottingham BS - ISAs

Loyalty 14month 4.5%
Loyalty 26month 4.6%

Do you have a link for this? I can't find it?

intalex

andyhicks88 said:

Notice Kent Reliance now have some of the top rates, don't Charter usually have the same rates as their sister bank?  Not seeing Charter with any fixed rate products at all though yet still.

Sister?? Charter and Kent Relliance share FSCS protection limit by any chance??