Best bank accounts.

LHV are doing 3.75% on a CURRENT account, which is amazing. Absolutely no idea who they are, MSE recommended them so hopefully not a scam...


I'd be there in a shot, except...

FAQs: Can I open a joint account? We do not currently offer joint accounts.

Looks great though, perfect if you don't need joint. Up to £1 million balance limit (but £120k FSCS limit). Totally hassle free, you earn interest on every penny from the day you get paid until you spend it on beer.
Why do you need a joint account- just open one or if tax is the issue one each.
 
She probably only needs a little bit more and then a bit more after that. Then maybe another £10k… or so.
Well he should continue as these type of girls are difficult to find, especially when you only have one tooth. There's loads of gold diggers about that would take advantage of old ugly Pete, be a shame for them to lose each other.
 
I still have a Santander current account. It pays the bills, and gives a % more than enough back to cover the monthly fee. It also gives interest on the balance up to 20k, though only at 2%.
I use a Close Bros a/c which is paying 4.3%, but though it's Instant Access it doesn't have the normal properties of a current account e.g. no debit card.
 
We stuck some money in a Building Society I'd never heard of that was giving by far the best rates, in about 2015-ish. They had FSCS logos slapped all over the place, on their website and in the branch.

A bit more detailed research revealed that the FSCS registration was only for investment advice, not savings, and it didn't give the guarantee. They were using the savings to lend to Buy-to-Let investors, known for being risky.

We pulled the money out. Lesson learned, read things properly and don't get misled by dodgy companies.
 
I just checked, it was Kent Reliance. They're still going, and now appear to have full FSCS protection. But they've stopped offering new mortgages, which seems very odd. They're not a building society now, and are part of some other company. All very odd. But they're offering up to 5.10% for anyone who fancies something a bit weird looking.
 
I still have a Santander current account. It pays the bills, and gives a % more than enough back to cover the monthly fee. It also gives interest on the balance up to 20k, though only at 2%.
I use a Close Bros a/c which is paying 4.3%, but though it's Instant Access it doesn't have the normal properties of a current account e.g. no debit card.
I have the same, or similar account, 1-2-3, get £20-£30 per month in interest and cash back. monthly payment is going back up to £5 soon.
 
I have the same, or similar account, 1-2-3, get £20-£30 per month in interest and cash back. monthly payment is going back up to £5 soon.
interestingly enough Santander were top of the most switched away from list

*Obviously this could be meaningless without knowing market share.
 
Back in the day when we had a mortgage (brag, brag), we had a Barclays offset mortgage and current account. Every penny we had in the current account was deducted from the mortage balance daily. So we effectively got the full mortage rate in interest on all our money from payday until spending it.

Plus it was a base-rate tracker, taken out in 2005 at base-rate + 0.39%. We were very happy post 2008, basically the money we should have paid in interest paid off the balance. Sometimes gamblers do win. Actually I just hated the idea of paying a stack of fees every few years for a fixed mortgage, so variable seemed likely to be less in reality even if base rates stayed the same.
 
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