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[Field Marshal Dr. Opti]

Must be instant access......because I'm often skint.

One year only, because interest rates are likely to change next year.

We currently have a few pennies in a Post Office ISA. Last year 1.9%.......this year 1.7%

Either way the returns are piss poor.

[The Sheriff]

And, being a 40% taxpayer, you'll get next to nothing.

[Field Marshal Dr. Opti]

And, being a 40% taxpayer, you'll get next to nothing.

If it's true that you pay no tax on the first £10,000.......then I pay no tax.

That is a measure of how impoverished I am.

I can't afford to spend £10000 on a brand new Daewoo and then move to a larger house..

[Field Marshal Dr. Opti]

Come on you lazy bastards. Don't make me look for myself.

[The Sheriff]

Come on you lazy bastards. Don't make me look for myself.

Lend me £20,000 and I'll give you 3% per annum....tax free.

[chrisgixer]

A lot of people are turning to a Santander 123 account. Rather than an ISA.

Fund it with £500 a month minimum. Even if you pay it straight back to yourself. Pay £2 a month fee. Gives 3% interest up to 20k. Cash back on some direct debits . ...gives better return, apparently. (So put your total bill amount in (£500 minimum) then get cash back on your payments out, etc)


Now off to google with you. Lazy arse.

[Field Marshal Dr. Opti]

A lot of people are turning to a Santander 123 account. Rather than an ISA.

Fund it with £500 a month minimum. Even if you pay it straight back to yourself. Pay £2 a month fee. Gives 3% interest up to 20k. Cash back on some direct debits . ...gives better return, apparently. (So put your total bill amount in (£500 minimum) then get cash back on your payments out, etc)


Now off to google with you. Lazy arse.

This sounds interesting.

[steve6367]

Take a look at Rate Setter also if you fancy something a bit different - not 100% guaranteed but good returns.

[chrisgixer]

A lot of people are turning to a Santander 123 account. Rather than an ISA.

Fund it with £500 a month minimum. Even if you pay it straight back to yourself. Pay £2 a month fee. Gives 3% interest up to 20k. Cash back on some direct debits . ...gives better return, apparently. (So put your total bill amount in (£500 minimum) then get cash back on your payments out, etc)


Now off to google with you. Lazy arse.

This sounds interesting.

Hope I understood it correctly. Check web site etc. ...which I know you would anyway, of course.

[Andy B]

A lot of people are turning to a Santander 123 account. Rather than an ISA.

Fund it with £500 a month minimum. Even if you pay it straight back to yourself. Pay £2 a month fee. Gives 3% interest up to 20k. Cash back on some direct debits . ...gives better return, apparently. (So put your total bill amount in (£500 minimum) then get cash back on your payments out, etc)


Now off to google with you. Lazy arse.

This sounds interesting.

Hope I understood it correctly. Check web site etc. ...which I know you would anyway, of course.

More or less as you say.
1% interest on a balance of £1000, 2% on £2000 & 3% on a balance of £3000 up to £20k as you say. I have my wages paid into one, only draw back is that it's too easy to get to your cash, at least if it's locked away in AN Other account you knda forget you have it.

[Field Marshal Dr. Opti]

Would I be right in thinking that Santander is Spanish owned?

If everything went 'tits up 'in Spain would the spanish government be liable for any losses.

How safe are Spanish financial institutions?

We have seen what can happen here in Blighty.

Would the British government step in to bail out its own people if Santander went bust?

[chrisgixer]

Used to be Abbey National I thought. means nothing though as it depends who bought them...?

Iirc Varche dosnt speak too highly of them. I tought Virgin did similar? One account? Is it? No idea on the figures though.

Santander is the one IFA's recomend so presume they have the best rates?

Some research required maybe?

[Field Marshal Dr. Opti]

Used to be Abbey National I thought. means nothing though as it depends who bought them...?

Iirc Varche dosnt speak too highly of them. I tought Virgin did similar? One account? Is it? No idea on the figures though.

Santander is the one IFA's recomend so presume they have the best rates?

Some research required maybe?

50% youth unemployment in Spain, Mr Gixer.

The whole ball of wax is about to implode and take your millions with it.

[TheBoy]

Santander is Spanish owned. I have some shares in them somehow, not sure how.

They bought Abbey National about 10yrs ago

[Field Marshal Dr. Opti]

Santander is Spanish owned. I have some shares in them somehow, not sure how.

They bought Abbey National about 10yrs ago

I visited Santander once.

Once was enough.