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Make the most of your savings – three top tips

We understand that this year has been a difficult one for savers. We’re still paying the very best rates we can and providing accounts that offer good long-term value, but it’s important to make sure that you’re making the most of your money.

Here are our three top tips to improve the return on your savings.

 1. You could consider a different way of saving

If you’re able to consider different terms, then you could choose to save in a different way and benefit from a higher rate.

  • Our Regular Saver (2) allows you to save for 12 months

    Designed to help you save for something special or build up a pot of savings, our Regular Saver (2) currently pays one of our highest rates at 1.85% AER*/gross p.a. (variable).

    You can put away up to £500 a month for 12 months and still take money out during that time, although there is a charge equal to 30 days’ interest if you do. At the end of 12 months, it simply rolls over into an Easy Access Saver (7) which pays a lower rate than Regular Saver (2). You’ll then have full access to the money you’ve saved – and if you’ve got into the habit of saving regularly, you can open another Regular Saver and start again.

    Our Regular Saver (2) has a variable rate so it could go up or down but it’s a good choice if you’d like a higher rate of interest in the short term. There are other Regular Savers on the market and they all have slightly varying terms and conditions – compare ours to the market or view our Regular Saver (2).

  • Fixed rate accounts give you higher rates with a guaranteed return

    Fixed rate accounts or bonds usually have higher interest rates because you don’t have easy access to your savings. Not everyone can afford to tie their money up for a period of time, but if you can, then you could certainly earn more in interest.

    We currently have a range of highly competitive fixed rate ISAs. At 0.77% tax-free** p.a./AER, our Fixed Rate ISA (114) is a market-leading rate and it matures in November 2021.  Just to let you know, closures before maturity are subject to a charge equivalent to 120 days' interest on the account balance.

    View our available bonds

    View our available ISAs

2. Make sure you pay in up to your ISA allowance

It definitely pays to have an ISA. All the interest you earn in an ISA is tax-free and you can save up to £20,000 in the current tax year. Some ISAs allow you to pay in your previous years’ ISA savings too so that you can benefit from a competitive interest rate on all your savings.

3. And regularly compare your accounts to other providers

It’s always a good idea to review your savings regularly, but in the current circumstances it’s even more important to make sure that your money is safe and working as hard as possible for you.

Our compare tool shows you at a glance how our savings accounts stack up against our competitors.

Remember though, that it isn’t only about the interest rate. Take a good look at any terms, conditions or restrictions an account might have, for example, any minimum balance required, how much you can pay in and how often you can take money out.

As things change, we regularly launch new, competitive savings accounts that are available to both new and existing savers. You can see all of our available savings accounts on our website so make sure you keep an eye out for new products, or keep in touch with the advisors at your local branch.

We’re here and happy to help.

*AER stands for annual equivalent rate and illustrates what the interest rate would be if interest was paid and added each year.

**Cash ISAs allow you to save tax-free, so interest is paid with no tax deducted. ISAs are a savings scheme initiated by the Government and are subject to change by them. For example, the favourable tax treatment may not be maintained.

All information correct as at 13 August 2020.