The best (and worst) 貯金 取引，協定s

By Sylvia Morris for MailOnline
Updated: 12:21 BST, 23 April 2008

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There are some 広大な／多数の／重要な 貯金 率s 利用できる on the market at the moment, but savers need to keep an 注目する，もくろむ out for the 罰金 詳細（に述べる） on accounts.

Savers beware: if your account 申し込む／申し出s a high 率 but no 保証（人）, it could 減少（する） its 率 below base 率

Not all providers are 申し込む／申し出ing their 顧客s a good 取引，協定 however, as one large High Street bank has 証明するd by lowering its 率s before Bank of England even 発表するd its base 率 削減 this month.

Abbey is one of the good guys when it comes to 率s at 現在の. It 開始する，打ち上げるs a best-buy this week in the form of its Instant 接近 Saver account, which 支払う／賃金s a basic 4.4% after 20% 貯金 税金 (5.5% before 税金) on balances of £1,000 or more.

For the first 12 months a 0.8% 特別手当 (1% before 税金) is 追加するd bringing the headline 率 to 5.2% (6.5%).

Even after stripping out the 特別手当, it is one of the best-支払う／賃金ing High Street accounts.

最初, you can only open an account over the internet rather than telephone or 支店, but Abbey 計画（する）s to make a High Street 施設 利用できる すぐに.

Once opened, you can run the account through the 支店s or over the telephone.

However as there is no 保証（人） on the account linking the 率 to base 率, we will follow it and 追加する it to our Best Buy （米）棚上げする／（英）提議するs (see associated articles, 権利) if it is still 競争の激しい after six months.

Our Best Buys either have a 率 linked to base 率 or have paid a 終始一貫して good 率 for at least six months.

Another good 率 comes from 同盟 & Leicester, which is 申し込む／申し出ing savers a headline-grabbing 率 of 12% 利益／興味 - but with strings 大（公）使館員d.

The 首相 正規の／正選手 Saver is open only to 顧客s 開始 an 同盟 & Leicester 首相 現在の Account from this week.

存在するing A&L 経常収支 顧客s - or anyone who's had an A&L 経常収支 in the three months before they 適用する - are 閉めだした.

And the 12% 率 is before 税金 is deducted - for basic-率 taxpayers it's 価値（がある） 9.6%, or 7.2% for those who 支払う／賃金 higher 率 税金.

These are still tempting 率s, but are paid only on 正規の／正選手 貯金 of between £10 and £250 a month - so you 現実に only get the 十分な 率 on the first month's 支払い（額）.

If you 投資するd the 最大限 £250 a month (£3,000 a year), then a basic-率 taxpayer would 蓄積する £156 利益／興味 and a higher-率 payer £117.

p>One bank that certainly does not 申し込む／申し出 savers such a good 率 is Lloyds TSB. It 削減（する） 0.2% off some of its 貯金 accounts even before the Bank of England 削減（する） the base 率 to 5% on April 10.

From the start of April, savers in its 90-Day Notice Account 苦しむd a 削減（する）. They now earn just 1.64% after 貯金 税金 (2.05% before 税金) on balances starting at £10,000.

It also 削減（する） its Instant Gold 貯金 率 from the start of last month where 率s now start at just 0.36% (0.45%). Both accounts are の近くにd to new savers.

But London & Country 貯金 has joined Kaupthing 辛勝する／優位 in not cutting 貯金 率s に引き続いて the 0.25% 落ちる in base 率 earlier this month.

Losing 半端物s for millions of 社債 支えるもの／所有者s

賞与金 社債 支えるもの／所有者s are also going to lose out next month as the chances of winning will 落ちる 劇的な for 23m of them.

This is 予定 to the fact that 国家の 貯金 & 投資s (NS&I) has 削減（する） the number of prizes by a 可能性のある 93,296.

The payout in the May draw will 減少（する） to an 概算の £101.9m, 負かす／撃墜する nearly £7m on the £108.8m paid to 1,726,954 lucky 勝利者s this month.

Next month it 見積（る）s the number of prizes at 1,633,658, and the 半端物s of winning any prize len gthen to 22,000 to 1, against this month's 21,000 to 1.

Best 貯金 率s

This is Money is home to the web's best 貯金 （米）棚上げする／（英）提議するs. Unlike 競争相手s, our （米）棚上げする／（英）提議するs are 解放する／自由な from 商業の bias and our 貯金 専門家 （土地などの）細長い一片s out 取引，協定s with catches so you always get the best account...

• 一般会計s (internet, 支店, over-50s)
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• Compare and 適用する: get the best 貯金 accounts

The 政府-sponsored bank is cutting the 年次の 税金-解放する／自由な payout to 3.4% of the £33bn 賞与金 社債 基金, 負かす／撃墜する from 3.6% this month.

NS&I has also dropped 率s on its variable 率 貯金 accounts by 0.25%, in line with this month's 落ちる in Bank of England base 率 to 5%.

The 率 on its popular Income 社債s 落ちるs from May 6 to 3.56% after 貯金 税金 (4.45% before 税金) on balances up to £25,000, giving a 月毎の income of £29.26 for each £10,000 in the account.

On £25,000 or over the 率 is 3.76% (4.7%), or £30.90 a month after 税金 on each £10,000.

From today, savers with between £1,000 and £5,000 in its 平易な 接近 account earn 2.68% (3.35%) or 2.6% (3.25%) in its 投資 Account. It 支払う／賃金s 4.6% 税金-解放する／自由な on its cash Isa, 利用できる through the 地位，任命する Office, and 5.3% on its telephone-based Direct Isa.