The Top Fixed Interest Savings Discussion Area

bristolleedsfan

Recognise Bank - 18 month down from 6.10% to 5.70%

5 year @ 5.75% still available to new customers ( as was case early hours of this morning)

SavingsBoo

I just tried to open the Recognise Bank 5 year fix as an existing customer so I logged in, it was showing on the list of accounts available to open but when I clicked through to apply I ended up with a message saying it was no longer available.

So I have gone with UTB instead

janusd

SavingsBoo said:

I just tried to open the Recognise Bank 5 year fix as an existing customer so I logged in, it was showing on the list of accounts available to open but when I clicked through to apply I ended up with a message saying it was no longer available.

although if you go to Recognise's site and try to open one, the application process begins normally - whether it would be opened upon submission of the application, I don't know.

SavingsBoo

janusdesign said:

SavingsBoo said:

I just tried to open the Recognise Bank 5 year fix as an existing customer so I logged in, it was showing on the list of accounts available to open but when I clicked through to apply I ended up with a message saying it was no longer available.

although if you go to Recognise's site and try to open one, the application process begins normally - whether it would be opened upon submission of the application, I don't know.

Yes - it did let me start the application but then computer said no!

BigBlueSky

SavingsBoo said:

janusdesign said:

SavingsBoo said:

I just tried to open the Recognise Bank 5 year fix as an existing customer so I logged in, it was showing on the list of accounts available to open but when I clicked through to apply I ended up with a message saying it was no longer available.

although if you go to Recognise's site and try to open one, the application process begins normally - whether it would be opened upon submission of the application, I don't know.

Yes - it did let me start the application but then computer said no!

At what point does this fail as it is still listed on the comparison sites.

SavingsBoo

BigBlueSky said:

SavingsBoo said:

janusdesign said:

SavingsBoo said:

I just tried to open the Recognise Bank 5 year fix as an existing customer so I logged in, it was showing on the list of accounts available to open but when I clicked through to apply I ended up with a message saying it was no longer available.

although if you go to Recognise's site and try to open one, the application process begins normally - whether it would be opened upon submission of the application, I don't know.

Yes - it did let me start the application but then computer said no!

At what point does this fail as it is still listed on the comparison sites.

I could click on the 'Open an account' link from the list of available accounts to take me to the 5 year account summary page, then 'Open an account' again, and it was at that point the message came up to say NLA.  I haven't tried from the main website without being logged in though.  I was just trying to save a bit of time rather than applying as a new customer to UTB who have a marginally higher rate!

buyhighselllow

NS&I Green bond looks competitive at 5.7% 3 yrs now ?

auser99

buyhighselllow said:

NS&I Green bond looks competitive at 5.7% 3 yrs now ?

Definitely going to get involved with this one.
Quite rare NS@I are as close to the top of the market (0.3%?) as they are with this one.
And as far as we can tell it actually pays out in 3 years, not quoting it annualised as some multiple fixed accounts seem to do (seemingly against HMRC advice).

buyhighselllow

auser99 said:

buyhighselllow said:

NS&I Green bond looks competitive at 5.7% 3 yrs now ?

Definitely going to get involved with this one.
Quite rare NS@I are as close to the top of the market (0.3%?) as they are with this one.
And as far as we can tell it actually pays out in 3 years, not quoting it annualised as some multiple fixed accounts seem to do (seemingly against HMRC advice).

Problem is get walloped for the tax in years..is a 3 year fixed ISA able to beat it after tax ?

auser99

buyhighselllow said:

auser99 said:

buyhighselllow said:

NS&I Green bond looks competitive at 5.7% 3 yrs now ?

Definitely going to get involved with this one.
Quite rare NS@I are as close to the top of the market (0.3%?) as they are with this one.
And as far as we can tell it actually pays out in 3 years, not quoting it annualised as some multiple fixed accounts seem to do (seemingly against HMRC advice).

Problem is get walloped for the tax in years..is a 3 year fixed ISA able to beat it after tax ?

I'm already going to get smashed for interest next year, unless I do some mad salary sacrifice stuff, so pushing this a few years ahead and keeping the value lowish seems ok.