The Top Fixed Interest Savings Discussion Area

Pompeydave1967

Disappointing from Atom - 2 rate drops in a week .Very uncompetitive now.

soulsaver

soulsaver said:

Reminder:

Note not much time to get it done, as its been running for nearly a month. 

Raisin £100 bonus for new customers opening a FTB with £10k min by COP today (30/09).

4.30% ish available from a choice of sources - so up to 5.33% in effect with the bonus on £10k. 

Receive a £100 bonus when you open a fixed rate bond with Raisin | Raisin

If you get trouble with the promo code, contact their CS:

Dear SoulSaver,
 
Thank you for your call.
 
We understand that you were unable to apply the required promo code during your registration. At this time, our records indicate that you have not yet met all the necessary conditions to qualify for the bonus*.

In order to be eligible for the bonus, you must open a savings account with a minimum deposit of £10,000 before 02/10 over a minimum period of 12 months.
 
Once you have met these conditions, please contact us 14 days after your deposit opens, and we will ensure that the bonus is applied to your account.
 
If you have any further questions, please get in touch.

Kind regards,
The Raisin UK Customer Service Team


*No, 'cos I'm not paying until I get confirmation I'm getting the £100 for doing so... Now I've got it, and a bit of leeway, it's funded.

£100 paid on time.

topyam

Hopefully we see more Raisin bonuses

the_seer

Marcus 1 Year Fixed 4.55% NLA.

Replaced by 4.0%

Sea_Shell

the_seer said:

Marcus 1 Year Fixed 4.55% NLA.

Replaced by 4.0%

Didn't last to the end of the month then.

Wondered as much.

@SickGroove

SickGroove

My Ford fix matures mid November & contemplating if I should re fix for 2 years at their 4.25% rate now as per maturity options (incase it gets pulled or the base rate drops next Thursday) or just put it in the Zopa 4.75% easy access account, but again over two years that rate could drop considerably...

Any advice appreciated 

Cheers

Rheumatoid

SickGroove said:

My Ford fix matures mid November & contemplating if I should re fix for 2 years at their 4.25% rate now as per maturity options (incase it gets pulled or the base rate drops next Thursday) or just put it in the Zopa 4.75% easy access account, but again over two years that rate could drop considerably...

Any advice appreciated 

Cheers

If you can't decide then split it across the two.

intalex

NS&I with new range of multi-term fixed rate accounts released:
https://www.nsandi.com/products
1y: 4.13% gross / 4.20% AER
2y: 4.03% gross / 4.10% AER
3y: 4.09% gross / 4.16% AER
5y: 4.08% gross / 4.15% AER

silvermum

I haven't seen much/any discussion of the NatWest Fixed Rate Saver https://www.natwest.com/savings/fixed-term-savings-account.html paying 4.2% AER ?

Not the highest rate, but I was attracted as I already have a NatWest current account and wanted to take monthly interest from a lump sum for the next 6-12 months.

Opened it OK, but ran into problems trying to set up the monthly interest payments to my current account. Seems I'd missed this little gem in the small print:

You can choose to have interest paid into a Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account.  (bold added by me)

I've banked with NatWest since I was a student and have no idea where my branch now is, but with a different sort code for the Fixed Rate Saver I couldn't pay away the monthly interest.

Seems very silly.

So now I'll close the NW saver and have opened an account with Vanquis who were very happy to take my money and pay interest into my NatWest current account!

RG2015

silvermum said:

I haven't seen much/any discussion of the NatWest Fixed Rate Saver https://www.natwest.com/savings/fixed-term-savings-account.html paying 4.2% AER ?

Not the highest rate, but I was attracted as I already have a NatWest current account and wanted to take monthly interest from a lump sum for the next 6-12 months.

Opened it OK, but ran into problems trying to set up the monthly interest payments to my current account. Seems I'd missed this little gem in the small print:

You can choose to have interest paid into a Nominated Account. This must be a NatWest personal current or savings account with instant access (other than a cash ISA) held in your name at the same branch as your Fixed Term Savings Account.  (bold added by me)

I've banked with NatWest since I was a student and have no idea where my branch now is, but with a different sort code for the Fixed Rate Saver I couldn't pay away the monthly interest.

Seems very silly.

So now I'll close the NW saver and have opened an account with Vanquis who were very happy to take my money and pay interest into my NatWest current account!

I have banked with NatWest for almost 50 years and currently have 4 open accounts with them. They all have the same sort code. However my  new fixed rate ISA has a different sort code.

I have checked the ISA sort code and it is my closest branch which is 20 miles away. So I guess that the only ones to qualify will be those that still live close to their current account branch.

It does appear to be an absurd condition.