Savings
Details of the top Savings Accounts from Banks and Building Societies.
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There are different ways to save your money and each option has different benefits and restrictions so before you place your money into a savings account, check the terms and conditions to ensure that it is the best savings option for you.
Savings Accounts
Usually offer a higher rate of interest than current bank accounts and are a low risk option best suited to short to medium term saving. Savings Accounts are also deposit based, meaning that when you choose to withdraw your money you will receive the initial deposit/s plus any interest earned, ensure you do compare the different savings rates available.
Regular Saver Accounts
Are another option and usually offer a higher rate of interest than a standard savings account. You are normally more restricted as to when you can withdraw your money and often terms are that your initial deposit needs remain in your account for at least 12 months. After the restricted non withdrawal term has expired you may find that your interest rate falls significantly and if you decide that you do not necessarily want to withdraw your money, you would probably find it more profitable to move it to another savings account.
Christmas Savers
Are aimed at people who want to save through out the year to make the costs of Christmas less stressful. With this type of scheme you do not earn interest, but instead at the end of the term are provided with vouchers or your chosen gifts.
Supermarket Savers
Are a type of gift card offered by some supermarkets where you can choose to add money to the card as regularly or irregularly as you choose. Over the course of the year this money adds up on the gift card and you can use this toward either your Christmas shop, or any other spend within that store.
Christmas Catalogue Savers
Offer high street gift vouchers, Christmas Hamper/s or for you to reserve the presents which you would like to buy for Christmas. With this type of Christmas Saver you pay a set amount each week or month and dependant on the money you save you may even receive bonuses.
These schemes can be beneficial for those of us who always intend to save for Christmas but often keep putting it off resulting in a very stressful festive period. Be aware though that many of these schemes are not authorised by the FSA and so if the company providing the scheme was to get into financial difficulty any money which you have paid in would not be protected or guaranteed.
ISA's
(Individual Savings Accounts) have a favourable tax status. Before March 2007 there were two types of ISA, a Mini ISA where annually you could deposit £3000 Cash and £4000 in Stocks and Shares and a Maxi ISA where you could deposit £3000 Cash and £7000 in Stocks and Shares. However in the March 2007 budget the 2008/2009 limits and types of ISA's available were changed.
Providers of savings accounts in the UK are Bank and Building Societies such as Lloyd's TSB, Post Office savings and National Savings and Investments to name but a few.
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Whatever your financial goal, we can help bring those ideas to life with a comprehensive range of savings and investments products.
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