B&B Christmas saver finishes

By Sylvia Morris for MailOnline
Updated: 12:25 BST, 30 November 2006

?

Savers in Bradford & Bingley's popular Christmas Saver account come to the end of their ten-month 計画（する） in December.

The account, 開始する，打ち上げるd in February, paid a 直す／買収する，八百長をするd 率 of 8% after 20% 貯金 税金 (10% before 税金) on 貯金 of between £10 and £150 a month.

Ten months of putting away £100 a month gives savers £36.66 利益／興味 after 税金 (£45.83 before 税金), making a total of £1,036.66. At £50 a month, the 人物／姿／数字 is £518.34 after 税金.

If you don't 計画（する） to spend your 貯金, move it どこかよそで. If you do not, the bank will switch your money into its 円熟したd 社債 Account, which 支払う／賃金s 2.4% (3%) from next month and gives you 平易な 接近 to your 貯金.

最高の，を越す 取引，協定s 含む 税金-解放する／自由な cash Isa from 国家の 貯金 at 5.55% on £1,000 or more or 5.1% from Intelligent 財政／金融 on £1 加える. On taxable accounts you can earn up to 4.36% after 20% 貯金 税金 (5.45%) if you run one over the internet or around 4% (5%) in the High Street (see best buy （米）棚上げする／（英）提議する above).

If you want to start saving for next Christmas, now is the time to 選ぶ a 最高の，を越す 直す／買収する，八百長をするd-率 取引，協定. Britannia, the second largest building society, has 開始する，打ち上げるd a 直す／買収する，八百長をするd 率 正規の／正選手 Saver 計画（する） for those wanting to save between £25 and £250 a month.

It will 支払う／賃金 6% after 20% 貯金 税金 (7.5% before 税金) for a year. To earn the 率 you must put in the same 量 each month and make no 撤退s.

At the end of the year you will have 平易な 接近 to your money for 30 days. If you do not tell the society what you want to do with it, it will be rolled over into its variable 率 Members' 1 Year 社債 where 率s 現在／一般に start at 2.48% (3.1%)

Maximise your 貯金

This is Money has a wealth of （警察などへの）密告，告訴（状） to help build your 貯金...

• Do your own 研究 on 率s
• Best 貯金 率s （米）棚上げする／（英）提議するs
• This is Money's Isa centre
• Guides to better saving

The 直す／買収する，八百長をするd-率 （警官の）巡回区域，受持ち区域s the 5.6% (7%) on 申し込む／申し出 from Halifax and Abbey. A £100 a month saving with Britannia will build up to £1,239 含むing 利益／興味 after 20% 税金, against £1,236 with Halifax and Abbey.

With Abbey your money is automatically switched to its variable 率 類似して-指名するd 月毎の Saver after a year, where the 率, from Friday, is a lower 4.16% (5.2%) as long as you keep on saving or just 0.68% (0.85%) if you don't.

Other banks 含むing Lloyds TSB, HSBC, Barclays and 同盟 & Leicester 申し込む／申し出 attractive 直す／買収する，八百長をするd-率 取引，協定s, but you have to have a 経常収支 with the bank to run them.

Britannia takes money each month by direct debit from your bank account. Unlike those that lost hundreds of 続けざまに猛撃するs of Christmas 貯金 after the 崩壊（する） of the 妨害する company Farepak, savers with banks and building societies are covered by the 財政上の Services 補償（金） 計画／陰謀.

This will 支払う／賃金 out 補償（金） up to a 最大限 payout of £31,700, made up of 100 pc on the first £2,000 and 90 pc of a その上の £33,000 in the 高度に ありそうもない event of a bank or building society going 破産した／（警察が）手入れする.

Farepak 犠牲者s were not covered as the company was not a licensed deposit taker under the regulator the 財政上の Services 当局. Those putting money aside with the company were 支払う／賃金ing for goods in 前進する rather than saving.