The Top Fixed Interest Savings Discussion Area

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Wholesale food prices are already dropping - actual prices usually lag behind by a couple of months.  Energy prices the same.  Not supermarkets profiteering like some idiot politicians are claiming.  They already make good profit by selling volume at small margins, so if they can under cut their rivals to boost market share, they will be sure to do so.

auser99

Futuristic said:

Finally took the plunge on Allica 5% at 18 months, not heard of many of the other names / ISBank etc.

Think rates can go higher to 5.5-6% at extreme but any signs of food prices etc dropping fast will result in long term fix rates rapidly decrease

How was the set up and dealing with them?
All straight forward?

Something put me off the Raisin/Isbank one, so this looks to be the first 5% outside of it.

Band7

auser99 said:

Futuristic said:

Finally took the plunge on Allica 5% at 18 months, not heard of many of the other names / ISBank etc.

Think rates can go higher to 5.5-6% at extreme but any signs of food prices etc dropping fast will result in long term fix rates rapidly decrease

How was the set up and dealing with them?
All straight forward?

Something put me off the Raisin/Isbank one, so this looks to be the first 5% outside of it.

Extremely simple to apply. Try it. If you don't like it, you don't have to deposit anything.

Min deposit is £10k

Futuristic

auser99 said:

Futuristic said:

Finally took the plunge on Allica 5% at 18 months, not heard of many of the other names / ISBank etc.

Think rates can go higher to 5.5-6% at extreme but any signs of food prices etc dropping fast will result in long term fix rates rapidly decrease

How was the set up and dealing with them?
All straight forward?

Something put me off the Raisin/Isbank one, so this looks to be the first 5% outside of it.

I use them for business banking already and they have been good.

The web banking UI is very simple and straight forward and you have 2 weeks to deposit so for now I've just opened it and will see next week if there's anything better from a big name otherwise will go for it.

ToastLady

Band7 said:

auser99 said:

Futuristic said:

Finally took the plunge on Allica 5% at 18 months, not heard of many of the other names / ISBank etc.

Think rates can go higher to 5.5-6% at extreme but any signs of food prices etc dropping fast will result in long term fix rates rapidly decrease

How was the set up and dealing with them?
All straight forward?

Something put me off the Raisin/Isbank one, so this looks to be the first 5% outside of it.

Extremely simple to apply. Try it. If you don't like it, you don't have to deposit anything.

Min deposit is £10k

Thanks all, will bear them in mind for later in the year, have no more funds available at the moment for fixed savers.
I recently opened one with Vanquis, but found the whole process to be far too slow - waiting for letters in the post, then finally took about 8 hours for authentication email to put money in account. Luckily Charter had upped their rates in the meantime, already with them, so just opened another with them, easy peasy.

VNX

HTB goes 5% on 18 months bond shown on moneyfactscompare 

Band7

VNX said:

HTB goes 5% on 18 months bond shown on moneyfactscompare 

Better than the Allica one, as min deposit is £1

mebu60

VNX said:

HTB goes 5% on 18 months bond shown on moneyfactscompare 

Still not showing on HTB site. I shall stall funding their 1 Year Issue 58 at 4.91% in anticipation.

Band7

mebu60 said:

VNX said:

HTB goes 5% on 18 months bond shown on moneyfactscompare 

Still not showing on HTB site. I shall stall funding their 1 Year Issue 58 at 4.91% in anticipation.

If you have HTB online access, they will open the 18 month one if you call them. Though probs too late for today. 

mebu60

Band7 said:

mebu60 said:

VNX said:

HTB goes 5% on 18 months bond shown on moneyfactscompare 

Still not showing on HTB site. I shall stall funding their 1 Year Issue 58 at 4.91% in anticipation.

If you have HTB online access, they will open the 18 month one if you call them. Though probs too late for today. 

I do, yes. That's why I was hoping to see the product on their website so that I could send an 'existing customer' email to open the account. Will check again in the morning. Might just email regardless if it's still not appeared.