Best savings account?

Well fixing guarantees a rate for a set period of time so if that matters to you then yes, fix.

Gilts are looking attractive again for those not wanting to waste ISAs on cash as well ;)
 
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Not read in to gilts, I'll have a read

My main goals are monthly interest or if I had to go for it. I guess it would have to be yearly..but I prefer monthly
 
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DJMK4 said:
Is trading 212 likely to lower their rates ? So they are instant ? I don't mind a one to two day wait but I'd prefer instant
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They are likely to lower same as everyone else leaving it a few days to see what happens.
I didn't use them month's ago as payments took 2-3:business days and that's not good enough. but I've tested it and it's instant with from what I can tell now though I guess it depends on the value.
 
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Mercenary Keyboard Warrior said:
I think T212 still quote upto 3 days.

I still cannot fathom why people think investments need insta withdrawls.
Thats what instant savings accounts held with your main bank account are for.
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For me personally I use my ISA as a instant savings account and withdraw as needed for bills and whatnot, without it I'd be paying tax on interest.
 
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Mercenary Keyboard Warrior said:
I think T212 still quote upto 3 days.

I still cannot fathom why people think investments need insta withdrawls.
Thats what instant savings accounts held with your main bank account are for.
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It is a good point, and for me it's a comfort factor. If it said that withdrawals take 2 days to process, and it's in your account until it happens, I'd be OK with it. But the fact that it disappears from one, and doesn't show in the other until much later, just makes me uncomfortable since the money isn't in either place. The "what if somethings gone wrong" worry just didn't go away.
 
Mercenary Keyboard Warrior said:
I think T212 still quote upto 3 days.

I still cannot fathom why people think investments need insta withdrawls.
Thats what instant savings accounts held with your main bank account are for.
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This is the savings thread though so its about savings not investments, these are instant access products and presumably the only reason one uses them is because they want instant access.
 
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FBi7 said:
My 12 months @ 8% with Nationwide matured, so I've gone back to Chip last week, opened a 5% acct (now 4.75%) and we're still throwing £400/month at our new Nationwide savers at 6.5% for 12 months.
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My lloyds 6.25 regular saver ends next week. Hoping to be able to grab a new 6.25 before it inevitably drops as its fixed
 
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