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a1vin

So Where Are You Saving Your Deposit?

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Hello all - this is my first on HPC - but I've been reading HPC for a month or two now so...

Anyhow I've been scooting around trying to find the *best* savings accounts - in the online banking/e-savings variety (i.e. for those who like to see how much their deposit is increasing by on a regular basis) and so I'm sharing my list with you (in rate-descending order ish)... in the hope you'll find a blatant bank account that I'm missing!!

#1. ICICI (backed by bank of India) @ 5.15% AER

http://www.icicibank.co.uk/personal-bankin...vingsrates.html

NB: Opening one of these accounts takes a little time/effort I've found, but I guess worth it if it stays ahead of the curve...

#2. FirstDirect @ 5.00% AER

http://www.firstdirect.com/saveinvest/esavings_rates.shtml

NB: but no interest in the month you withdraw anything

#3. Cahoot @ 4.93% AER

http://www.cahoot.co.uk/cahoot_products/ca...asy_access.html

NB: although the 1st 6 months of the account is at 5.25%, which would in theory make it #1

Other 'worthy mentions' are;

INGDirect @ 4.75% AER

http://www.ingdirect.co.uk/html/aboutsavin...erestrates.html

Nationwide @ 4.75% AER (min of 15k in the account)

http://www.nationwide.co.uk/savingsinvestm...tant_access.htm

Have I missed anything?

I've also applied for a tesco cc with a 9 month (I think) 0% interest deal - has anyone actually found a limit to the number of these such cards they can get?

And had good experiences getting several max'd out piling the cash into their high interest account?

Is doing this really worth the effort?

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I've had too many bad experiences with Indian callcentres recently to want to touch ICICI with a bargepole. I've got accounts with ING Direct and Cahoot. If you really want to do well you should be using a mini cash ISA though, cos then it's tax free...

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Hello all - this is my first on HPC - but I've been reading HPC for a month or two now so...

Anyhow I've been scooting around trying to find the *best* savings accounts - in the online banking/e-savings variety (i.e. for those who like to see how much their deposit is increasing by on a regular basis) and so I'm sharing my list with you (in rate-descending order ish)... in the hope you'll find a blatant bank account that I'm missing!!

#1. ICICI (backed by bank of India) @ 5.15% AER

http://www.icicibank.co.uk/personal-bankin...vingsrates.html

NB: Opening one of these accounts takes a little time/effort I've found, but I guess worth it if it stays ahead of the curve...

#2. FirstDirect @ 5.00% AER

http://www.firstdirect.com/saveinvest/esavings_rates.shtml

NB: but no interest in the month you withdraw anything

#3. Cahoot @ 4.93% AER

http://www.cahoot.co.uk/cahoot_products/ca...asy_access.html

NB: although the 1st 6 months of the account is at 5.25%, which would in theory make it #1

Other 'worthy mentions' are;

INGDirect @ 4.75% AER

http://www.ingdirect.co.uk/html/aboutsavin...erestrates.html

Nationwide @ 4.75% AER (min of 15k in the account)

http://www.nationwide.co.uk/savingsinvestm...tant_access.htm

Have I missed anything?

I've also applied for a tesco cc with a 9 month (I think) 0% interest deal - has anyone actually found a limit to the number of these such cards they can get?

And had good experiences getting several max'd out piling the cash into their high interest account?

Is doing this really worth the effort?

Did you check any offshore options?

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  • 335 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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