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Key Facts

 

Savings Guides

 

Changes To Child Trust Funds
On 24 May 2010 the government announced plans to reduce, and then withdraw the contributions it makes to Child Trust Funds. Now you may be wondering what these changes are and how they will affect your child’s fund.

Saving can be high maintenance
You're lured in by a great savings rate; and once they've had your custom for a while, it's reduced to a nominal, almost derisory amount.

Are some banks foreign to you?
Have you ever checked our best buy charts and not recognised the names of some of the banks listed?

Savings Tips

 

Saving can be high maintenance
You're lured in by a great savings rate; and once they've had your custom for a while, it's reduced to a nominal, almost derisory amount.

Are some banks foreign to you?
Have you ever checked our best buy charts and not recognised the names of some of the banks listed?

Saving for the future
Just a quick glance of our Savings Best Buys will tell you that there are quite a few different types of savings account. Knowing where to put your cash is no easy task with Bonds, ISAs and a whole host of other accounts available.

Savings Accounts Best Buys

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Regular Savings Accounts

AERNotice/TermMinimum
Investment
Account Operations
SORTSORTSORT
Norwich & Peterborough BS
4.00%
Fixed Rate then Variable Rate
Instant£1
OnlineTick
BranchTick
PostalTick
PhoneTick
Scottish BS
4.00%
Variable Rate
Instant£25
OnlineCross
BranchTick
PostalTick
PhoneCross
Principality BS
4.00%
Fixed Rate
1 Year Bond£20
OnlineCross
BranchTick
PostalTick
PhoneCross
Saffron BS
4.00%
Fixed Rate
12 Month Bond£10
OnlineCross
BranchTick
PostalTick
PhoneCross
Santander
3.99%
Fixed Rate
13 Month Bond£20
OnlineCross
BranchTick
PostalCross
PhoneCross
Buckinghamshire BS
3.50%
Variable Rate
Instant£25
OnlineCross
BranchTick
PostalTick
PhoneCross
Barclays Bank
3.25%
Fixed Rate
12 Month Bond£20
OnlineTick
BranchTick
PostalCross
PhoneTick
Skipton BS
3.20%
Variable Rate
1 Year Bond£10
OnlineTick
BranchTick
PostalTick
PhoneCross
Beverley BS
3.10%
Variable Rate
Instant£10
OnlineCross
BranchTick
PostalTick
PhoneCross
Nottingham BS
3.10%
Variable Rate
Instant£10
OnlineCross
BranchTick
PostalCross
PhoneCross
 Sponsored Products
Barclays Bank
0.60%
Variable Rate
Instant£1
OnlineTick
BranchTick
PostalCross
PhoneTick
Barclays Bank
3.25%
Fixed Rate
12 Month Bond£20
OnlineTick
BranchTick
PostalCross
PhoneTick
Click to compare up to 3 savings account products.
Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
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Oinky the Pig!

Regular Savings Accounts Explained

These accounts require monthly funding to get the headline rate. There is usually a minimum and maximum amount that can be invested, but some accounts allow this to be altered during the term of the account or additional lump sums to be added.

These accounts usually run for 12 months and require a minimum number of payments to be made. Withdrawals are either not possible or very limited.

If all conditions are not met the rate can drop significantly, so you need to ensure you can commit to the payments and do not need early access to your money.
 

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Savings Tools

Monthly Savings PlanMonthly Savings Plan
Find out what your regular savings plan could be worth.

Lump Sum InvestmentsLump Sum Investments
Use our interest calculator to work out what interest you could earn on your lump sum. Find out what your lump sum investment plan could be worth.

Savings News

Product focus: Two year fixed rate bondsProduct focus: Two year fixed rate bonds
Research conducted by Moneyfacts.co.uk has shown that the average one year fixed rate bond has fallen from 3.07% in January to 2.57% today. The average five year fixed rate bond has also fallen over the same period, from 4.56% to 4.07%.

Cut out the taxman with an ISACut out the taxman with an ISA
While not in the same ball park as Mr Blair could save in tax, an ISA is still one of the most tax efficient ways to save money.

Product focus: Monthly interest online accountsProduct focus: Monthly interest online accounts
Recent reports suggest a decline in the popularity of online banking. Despite these claims, a large number of savings accounts cater for the online savvy and offer a variety of accounts to suit your needs.

Step up with the State Bank of IndiaStep up with the State Bank of India
Savers are being given the chance to see their money grow each year with the State Bank of India's 5Year Step Up Fixed Deposit account.