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ISA's and Savings Accounts
Former Member
Posts: 1,876,323 The Mix Honorary Guru
So i wanna open one of each cos i already have more than the ISA limit saved so wanna put that extra in a regular savings account. Ive found some good deals with Natwest and Halifax and thought I'd go with them since im already with them.
Thing is, Halifax do better deals on both accounts so going with them would mean all my 3 accounts (i already have a current account with them) would be with them, which im a bit hesitant to do. Would it be stupid to do that or should i keep a regular savings account seperate with Natwest just in case anything happens??
God this is so stressful!
Thing is, Halifax do better deals on both accounts so going with them would mean all my 3 accounts (i already have a current account with them) would be with them, which im a bit hesitant to do. Would it be stupid to do that or should i keep a regular savings account seperate with Natwest just in case anything happens??
God this is so stressful!
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Basically im looking for an instant access savings account, with a debit card so i can withdraw money when i want to. The best one ive seen is with Halifax, something like 2% interest rate.
But im already with them with a current account and now an ISA which i set up today, so im unsure whether to go with them and leave Natwest, or stay with Natwest and their poxy 0.1% interest savings account. Stress!
Ive also done some looking around and cant find one better than my current savings account other than Halifax. Oh well
You will however get a Savings account with an atm card.
The problem is, you sacrifice interest for ease of access. You'll get a higher interest rate with the accounts you just access online, whereas accounts with branch / atm access will probably give you a lower interest rate.
Try http://www.moneysupermarket.com/savings/easy-access-accounts/
If you've got a minimum account and want to lock with away, look at a Fixed Rate Bond for example.
I find a good independant site for savings is http://www.interest-rates.org.uk It seems to have just about the biggest range of accounts for UK as well as us expat savers...
Seems like a confusing and stressful time right now; but don't worry, banking gets us all confused at times.
Are you any closer to reaching a decision in light of FUCK IT's and johnp's really useful posts?