The Top Fixed Interest Savings Discussion Area

Minty33

Sorry if I missed someone else updating with this but I notice

Investec 1 year now 4.51%

jimexbox

Has anyone had/got a fixed rate bond with Smartsave? What's been your experiance? Website, comms and customer service. Thanks

BigBlueSky

jimexbox said:

Has anyone had/got a fixed rate bond with Smartsave? What's been your experiance? Website, comms and customer service. Thanks

I've just taken one out in the last few days - Opening was easy and straight forward.  Transfers in - Although they said wouldn't show until the following day showed within an hour or so which was good.

I've had a fixed rate bond with them previously too.  I don't recall any issues.

VNX

Hampshire trust bank up their two year bond from 4.53 to 4.6pc 

and it’s annual interest so if you’re worried about PSA it will spread the interest over two tax years 

Middle_of_the_Road

VNX said:

Hampshire trust bank up their two year bond from 4.53 to 4.6pc 

and it’s annual interest so if you’re worried about PSA it will spread the interest over two tax years 

Thanks, looked earlier and was 4.53%
The 18 month has also been raised to 4.55%

Fixed Rate Savings Accounts | Hampshire Trust Bank (HTB)

VNX

Middle_of_the_Road said:

VNX said:

Hampshire trust bank up their two year bond from 4.53 to 4.6pc 

and it’s annual interest so if you’re worried about PSA it will spread the interest over two tax years 

Thanks, looked earlier and was 4.53%
The 18 month has also been raised to 4.55%

Fixed Rate Savings Accounts | Hampshire Trust Bank (HTB)

I opened a 4.53 with them but understand they have a 14 day cooling off period so will open the 4.6 and cancel the existing account 

Middle_of_the_Road

VNX said:

Middle_of_the_Road said:

VNX said:

Hampshire trust bank up their two year bond from 4.53 to 4.6pc 

and it’s annual interest so if you’re worried about PSA it will spread the interest over two tax years 

Thanks, looked earlier and was 4.53%
The 18 month has also been raised to 4.55%

Fixed Rate Savings Accounts | Hampshire Trust Bank (HTB)

I opened a 4.53 with them but understand they have a 14 day cooling off period so will open the 4.6 and cancel the existing account 

Yes, AFAIK  all distance selling has to have the 14 day cooling off period by law.

jimexbox

Still looking around at one year fixed bonds. Oxbury bank are offering 4.54 AER. Interest paid on maturity. Very tempted. 

jimexbox

Oxbury 1 year fixed bond opened and part funded. 5 minutes to open an account on my phone, although you have to authenticate your mobile device by logging in via a PC and taking a picture with your phone of a one time QR code. Currently mobile app is used as 2FA only, which may change. Website is very clean and clear, two weeks to fund before the window closes.

Edit 

Oxbury does not support COP, so expect lots of warnings for a cash transfer. Money showed up in my oxbury account in less than a minute. 

VNX

Phoned HTB they quickly moved my 4.53% bond to their new issue of 4.6%

no hassle