The Top Fixed Interest Savings Discussion Area

cricidmuslibale

https://forums.moneysavingexpert.com/discussion/comment/81963623#Comment_81963623

Thanks for this, it could be very helpful for some of us! However the annual interest rate is 4.65% not 4.75%. The monthly rate is 4.55%, 4.65% AER.

gt94sss2

New Issues of NS&I’s 1, 2, 3 and 5-year fixed-term British Savings Bonds (Guaranteed Growth (GGB), and Guaranteed Income Bonds (GIB)

The Growth Bonds include:

1 Year 4.5%

2 Year 4.48%

3 Year 4.45%

Full details at https://nsandi-corporate.com/news-research/news/interest-rate-increases-selected-nsi-products-today

moi

Nationwide 15 Month Member Exclusive Online Bond 5%

For a limited time, get our best available fixed savings rate with this 15 month savings bond. Open online and save up to £10,000.

https://www.nationwide.co.uk/savings/member-exclusive-online-bond/

gt94sss2

MBNA - 1 Year Fix 4.85%

https://www.mbna.co.uk/savings/fixed-saver.html

Alicon88

I am looking to transfer some money into a 1 year fixed rate saving account

Looking at the top of the chart there are MBNA, Recognise and thisbank.

Do you have any recommendations? It seems like with Recognise all the money has to be transferred on opening the account? that can be a bit inconvenient for me, but apart from that, would you suggest any of them?

Thank you

janusd

https://forums.moneysavingexpert.com/discussion/comment/82021057#Comment_82021057

i've got an existing 3-year with Recognise coming to an end soon - monthly payments to my current account have always arrived without issue… with regards to funding, I don't know if things have changed, but when I opened mine, I made 5 payments on the same day (including the initial £1k deposit).

just checking my email from 2023, it says "Don't forget that you have 30 days to fund your account from today and can make as many deposits as you'd like during this time." - I think it's 14 days now, but I note moneyfacts says no additional deposits are allowed - if nobody else confirms either way, you should double check with Recognise before opening.

the other two I have never used.

FishInGlass

https://forums.moneysavingexpert.com/discussion/comment/82021057#Comment_82021057

Thisbank were formerly known as JN Bank. I have had 2 fixed rate savings accounts with them, one of which doesn't mature until next year. No issues.

Valley73

I have a fixed rate bond with MBNA part of Lloyds. There is no online access but they email you each time you deposit. Had one mature earlier with no issues.

Alicon88

Thank you all for your replies!!

DJ_Mike

Recognise 1-year fix no longer available. 2-year still open.