Are you getting best % interest?

Or look online at Martin Lewis’ Money Saving Expert, to keep up with the best rates, on savings and all sorts of other things.

Happily I read interest is on the rise!

I spent a few days over the last months looking for the best accounts for me. Last year I did find yorkshire bs 3 year isa paying 4.4% fixed for three years, so transferred an isa and topped up. This year they are offering 4.05 fixed for two years so I am taking that one for this year. I could have received another 0.2% at shawbrook but shawbrook also offer a good instant cash rate and I will need to keep an instant account for needs and emergencies. I have used shawbrook for a long time

I am pretty well sorted now for the next two years. It is definitely worth keeping an eye open for regular savings schemes, there were a few offering > 5% including halifax. It is easy to set up a standing order with a nice little sum at the end of the period.

I don`t go for any phone app banks nor any obscure foreign bank

I never invest in a fix for longer than 1 year nowadays. This is mainly due the fact that the paltry addition for the extra year is not worth it (imo). I'd rather take my chances on reinvesting in a better deal in a year particularly after the zero returns we've been having for the last few years. Also I love the fun of the challenge.

I am still waiting for a savings account to mature at a rate of interest which was great when I opened it under two years ago but is paltry now. It is a risk you take when fixing a rate, but there are good rates now. I have even managed to convince DH to move a savings account paying just 1 % to something decent. He hates “messing about” moving money, but I make it work for me. Regular savings pay good rates, and if you choose carefully, some allow withdrawals.

cabbie, I had similar, 2 year fixed at 0.7, thankfully matured this march. I rolled it around with the same co for 2 years at 4.7 (now dropped to 4.570

I think we are top of the interest rates offered now but personally I dare not go past 2 year fixes, just in case of circumstance change

My reg savers mature in nov/dec this year and I will look for others then. Its quite an easy way to save. The matured cash will be held in another easy access account as a safety net

I may well be moving in around 6 years time and will be needing my savings, will be following dd as dgc will have finished comp. If they don`t move then well and good.