The Top Fixed Interest Savings Discussion Area

necronom

I have a driving licence (not one of the new photo ones), and my passport has expired.  I don't see why this is now a thing they are starting to do when it was never needed in the past.

brucefan_2

I can't see that this has already been mentioned. Apologies if I've missed it and it's already been mentioned

Cynergy 1 year fix at 6%

https://www.cynergybank.co.uk/personal/fixed-rate-bonds/

BooJewels

S_uk said:

BooJewels said:

I wonder how this would fare against the equality act - if for example, you were disabled in a way that might prevent travel or driving, but would prevent you accessing financial and other services and being treated less favourably than others.

You don't have to travel to get a passport.

I know that - I already said that I had to get one for dealing with non-travel stuff. I've not been out of the country for 30 years. But it is a travel document - so you should be able to function in society without one if you either can't, or don't want to travel overseas.  Plus, they're expensive and not everyone can afford one.  

mebu60

brucefan_2 said:

I can't see that this has already been mentioned. Apologies if I've missed it and it's already been mentioned

Cynergy 1 year fix at 6%

https://www.cynergybank.co.uk/personal/fixed-rate-bonds/

I shall be putting my maturing Cynergy into HTB 18 Month 6.03% tomorrow. Mainly because HTB EA rates are poor! Whereas I want to use the Cynergy EA at 4.3% but won't trouble HTB EA at 3.82%. FSCS planning! 

S_uk

BooJewels said:

S_uk said:

BooJewels said:

I wonder how this would fare against the equality act - if for example, you were disabled in a way that might prevent travel or driving, but would prevent you accessing financial and other services and being treated less favourably than others.

You don't have to travel to get a passport.

I know that - I already said that I had to get one for dealing with non-travel stuff. I've not been out of the country for 30 years. But it is a travel document - so you should be able to function in society without one if you either can't, or don't want to travel overseas.  Plus, they're expensive and not everyone can afford one.  

It's an ID document that can be used for travel amongst other things. I was responding to your point that it could possibly be a breach of the equality act because some people might not be able to travel due to a disability, which is irrelevant to the point of whether someone can actually get a passport or not.

auser99

Halifax, HSBC and Lloyds have all significantly increased their fixed bonds and ISA's. 
Halifax 5.3 and 5.35 for both formats for 1 and 2 years.
Lloyds  5.45 and 5.5
HSBC 5.05 and 5.1 for the bonds (would have to double check their ISA)

Take Halifax and Lloyds especially top of the market for the ISAs, but still well off the top fixed bonds.
Good for high street banks though.

*Halifax as of 14th July. 
HSBC from tomorrow.

dgpur

S_uk said:

BooJewels said:

S_uk said:

BooJewels said:

I wonder how this would fare against the equality act - if for example, you were disabled in a way that might prevent travel or driving, but would prevent you accessing financial and other services and being treated less favourably than others.

You don't have to travel to get a passport.

I know that - I already said that I had to get one for dealing with non-travel stuff. I've not been out of the country for 30 years. But it is a travel document - so you should be able to function in society without one if you either can't, or don't want to travel overseas.  Plus, they're expensive and not everyone can afford one.  

It's an ID document that can be used for travel amongst other things. I was responding to your point that it could possibly be a breach of the equality act because some people might not be able to travel due to a disability, which is irrelevant to the point of whether someone can actually get a passport or not.

But the fact of needing to purchase a passport (an extra hurdle)  to obtain goods and services might be an issue with regard to the act. Especially when there are other means of determining identity that other banks use. Being without a passport or driving licence because I’m disabled, I’ve face this issue way too often. As I live off the returns on invested money (in banks and shares), the cost of buying a passport is not a trivial one.

Hopefully someone who doesn’t require ID will have the best rates when my next pot of money comes up for reinvestment soon.

bristolleedsfan

dgpur said:

S_uk said:

BooJewels said:

S_uk said:

BooJewels said:

I wonder how this would fare against the equality act - if for example, you were disabled in a way that might prevent travel or driving, but would prevent you accessing financial and other services and being treated less favourably than others.

You don't have to travel to get a passport.

I know that - I already said that I had to get one for dealing with non-travel stuff. I've not been out of the country for 30 years. But it is a travel document - so you should be able to function in society without one if you either can't, or don't want to travel overseas.  Plus, they're expensive and not everyone can afford one.  

It's an ID document that can be used for travel amongst other things. I was responding to your point that it could possibly be a breach of the equality act because some people might not be able to travel due to a disability, which is irrelevant to the point of whether someone can actually get a passport or not.

But the fact of needing to purchase a passport (an extra hurdle)  to obtain goods and services might be an issue with regard to the act. Especially when there are other means of determining identity that other banks use. Being without a passport or driving licence because I’m disabled, I’ve face this issue way too often. As I live off the returns on invested money (in banks and shares), the cost of buying a passport is not a trivial one.

Hopefully someone who doesn’t require ID will have the best rates when my next pot of money comes up for reinvestment soon.

Passport/Driving licence number on application form stated "optional",  it does save consumers who do have these documents from maybe having to submit proof of ID if ID cannot be validated electronically.

S_uk

dgpur said:

S_uk said:

BooJewels said:

S_uk said:

BooJewels said:

I wonder how this would fare against the equality act - if for example, you were disabled in a way that might prevent travel or driving, but would prevent you accessing financial and other services and being treated less favourably than others.

You don't have to travel to get a passport.

I know that - I already said that I had to get one for dealing with non-travel stuff. I've not been out of the country for 30 years. But it is a travel document - so you should be able to function in society without one if you either can't, or don't want to travel overseas.  Plus, they're expensive and not everyone can afford one.  

It's an ID document that can be used for travel amongst other things. I was responding to your point that it could possibly be a breach of the equality act because some people might not be able to travel due to a disability, which is irrelevant to the point of whether someone can actually get a passport or not.

But the fact of needing to purchase a passport (an extra hurdle)  to obtain goods and services might be an issue with regard to the act. Especially when there are other means of determining identity that other banks use. Being without a passport or driving licence because I’m disabled, I’ve face this issue way too often. As I live off the returns on invested money (in banks and shares), the cost of buying a passport is not a trivial one.

Hopefully someone who doesn’t require ID will have the best rates when my next pot of money comes up for reinvestment soon.

I appreciate there is a cost to buying a passport, and there have been posts on here in the past about this issue along with loads of threads about people questioning having to buy a more updated phone to access some banking apps.

However I was responding to the poster who specifically mentioned disability and not being able to travel possibly breaching the act, when of course not being able to travel doesn't stop anyone getting a passport.

There is the completely separate issue of people not being able to afford to buy one, and of course that would be an issue for some including poor people who did not have a disability, and wouldn't be an issue for a wealthy person who was disabled.

Anyway, will now steer back to the thread topic.

sazandy25

Does Firstsave 6.1% account need funding on opening? Or do you have so many days?