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The Top Fixed Interest Savings Discussion Area

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  • trickydicky14
    trickydicky14 Posts: 1,262 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sea_Shell said:
    National bank of Egypt One year fix 5.25% via Raisin.
    Minimum £10k
    Sorry missed that bit.
    I choose the rooms that I live in with care,
    The windows are small and the walls almost bare,
    There's only one bed and there's only one prayer;
    I listen all night for your step on the stair.
  • Growingold
    Growingold Posts: 470 Forumite
    Sixth Anniversary 100 Posts Name Dropper
    Ford Money though not top of the table at the moment for their FRB's have a cooling off period and if you do cancel they return your capital with interest.

  • intalex
    intalex Posts: 985 Forumite
    Part of the Furniture 500 Posts Name Dropper Photogenic
    Atom ups 1-5 year fixed rate to 5.10% AER… Monthly pay-away interest option too!
  • Thumbs_Up
    Thumbs_Up Posts: 965 Forumite
    500 Posts First Anniversary Name Dropper Photogenic
    edited 31 May 2023 at 7:50AM

    I have to wait one calendar month to get access to my money (100k) from Atom. This may or may not work in my favour. Despite my comments about 5.5% to come, these 5 year rates are hard not to say no. I won’t be sticking in 100k again though, sorry Atom!






  • bertsilver
    bertsilver Posts: 135 Forumite
    Part of the Furniture 100 Posts
    Thumbs_Up said:

    I have to wait one calendar month to get access to my money (100k) from Atom. This may or may not work in my favour. Despite my comments about 5.5% to come, these 5 year rates are hard not to say no. I won’t be sticking in 100k again though, sorry Atom!






    You had 100k in Atom, I thought max should be 85k?
  • Thumbs_Up
    Thumbs_Up Posts: 965 Forumite
    500 Posts First Anniversary Name Dropper Photogenic
    Thumbs_Up said:

    I have to wait one calendar month to get access to my money (100k) from Atom. This may or may not work in my favour. Despite my comments about 5.5% to come, these 5 year rates are hard not to say no. I won’t be sticking in 100k again though, sorry Atom!






    You had 100k in Atom, I thought max should be 85k?

    To be honest I thought you could only save 100k across all accounts, it seems not now.

    You shouldn’t really put in more then 85K for your own peace of mind.  




  • CaptainWales
    CaptainWales Posts: 354 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 31 May 2023 at 10:24AM
    5.25% bank of egypt 1 year showing today
  • gesdt50
    gesdt50 Posts: 126 Forumite
    Eighth Anniversary 10 Posts Name Dropper
    Ifts said:
    allegro120 said:

    Is this just with HTB, or a normal case with other banks?  I've recently opened and funded 3 fixed accounts (HTB, OakNorth and DF) and wouldn't mind to withdraw, funding window ends on 30th (next Tuesday). 
    Vanquis give you a 30 day window to fund it from account opening date.
    Once first deposit is made, you have a further 5 days to make any more deposits.
    Then if you do make your first deposit, they write to you to let you know they have received the opening deposit. And the letter also says:

     "If you decide, within 14 days of this letter, that it is not right for you at the moment, we will happily return your savings.".

    In this 14 day window, if they bring out a better rate, they let you open the new fixed rate bond and they move the money (inc any interest) over for you. Or you can have it all returned to you, if you want to go elsewhere.

    Vanquis are a bad lot, after making a deposit over 24 hours ago and speaking to them yesterday, they said it was rejected as the reference field from the external bank was filled in wrong yet maore than 24 hours have now passed and they havnt returned it to the original bank. I spoke to them last friday before the bank holiday and they said they cut off time was 1 pm for tranaction on a working day and been in fear of them holding my money over 4 days which I had done before by a different bank I didnt make any deposit. Certain banks will make up lies and reasons like its been held in a different internal account of theirs which they have informed me recently so they can avoid the , faster payment method which should be micro seconds with maxium time window of 2 hours yet they are saying it can be over 24 hrs. First impressions is they are corrupt are just terrible
  • Thumbs_Up
    Thumbs_Up Posts: 965 Forumite
    500 Posts First Anniversary Name Dropper Photogenic
    edited 31 May 2023 at 11:28AM
    gesdt50 said:
    Ifts said:
    allegro120 said:

    Is this just with HTB, or a normal case with other banks?  I've recently opened and funded 3 fixed accounts (HTB, OakNorth and DF) and wouldn't mind to withdraw, funding window ends on 30th (next Tuesday). 
    Vanquis give you a 30 day window to fund it from account opening date.
    Once first deposit is made, you have a further 5 days to make any more deposits.
    Then if you do make your first deposit, they write to you to let you know they have received the opening deposit. And the letter also says:

     "If you decide, within 14 days of this letter, that it is not right for you at the moment, we will happily return your savings.".

    In this 14 day window, if they bring out a better rate, they let you open the new fixed rate bond and they move the money (inc any interest) over for you. Or you can have it all returned to you, if you want to go elsewhere.

    Vanquis are a bad lot, after making a deposit over 24 hours ago and speaking to them yesterday, they said it was rejected as the reference field from the external bank was filled in wrong yet maore than 24 hours have now passed and they havnt returned it to the original bank. I spoke to them last friday before the bank holiday and they said they cut off time was 1 pm for tranaction on a working day and been in fear of them holding my money over 4 days which I had done before by a different bank I didnt make any deposit. Certain banks will make up lies and reasons like its been held in a different internal account of theirs which they have informed me recently so they can avoid the , faster payment method which should be micro seconds with maxium time window of 2 hours yet they are saying it can be over 24 hrs. First impressions is they are corrupt are just terrible

    Interestedly as of now their web site is not showing fixed term savings rates. Does that mean they are raising them? I opened a account at 4.95% now outside the 2 week window when I put a large sum of money in...Hmmmm. Btw, i'm a first time customer I had no issues.

    Edit: Site now showing rates, as you were.




  • susanann_2
    susanann_2 Posts: 135 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    How high do we all think these rates are going to go up to. I missed the boat back in January when rates fell did some fix’s around 4.15. Not so good now as they are going back up I’m wondering how long to hang on for this time having missed the window back in December. 
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