Keep An Eye On Your Savings Rate Or You Could Be Out Of Pocket
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If you don't keep an eagle eye on your savings you could find that your bank or building society has taken advantage of your apathy and cut your interest rate to increase their profits.
It's bad enough for savers when the base rate is coming down but the situation is often made worse when the banks increase their margins by reducing rates even more. In fact it sometimes seems that savers lose out whichever way rates go - when they're going up it's not uncommon for rates to go up less than the increase in base rates and when they come down you're rewarded by a larger than necessary reduction.
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Foreign Banks are Offering Some of the Best Rates, But Can You Trust Them?
It seems that we're experiencing a foreign invasion of cracking deals for savers. But should you invest hard earned cash in these newcomers or stick to more conservative rates from well known names?
We've recently seen a number of new foreign banks marketing their products to savers in the UK. These include companies from Nigeria, Iceland, India, Cyprus and Turkey. They are all offering rates to savers that will put them into the 'Best Buy' tables but can you trust them and will these high rates last?
There are two things that we would suggest are a must when considering a savings institution. First, are they covered by the Financial Services Compensation Scheme (FSCS) and secondly are they signed up to the voluntary Banking Code? Whilst neither of these will in themselves stop an institution getting into difficulty they do offer customers some protection if the worst happens. However, there are restrictions to the amount of protection so, if you're still worried then don't invest more than the compensation limit of £35,000 per investor.
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Debtbuster Mortgages
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Beech Finance
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YBS Saver Accounts
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Halifax Web Saver Extra
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MBNA Platinum Plus
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Sainsbury's Credit Card
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Barclaycard Flexi - Rate
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