Beware '二塁打 dipper' 貯金 会社／堅いs that eat into your 利益／興味 率... then 告発（する），告訴（する）／料金 you a 料金 for doing it!
Cash 得る，とらえる:?Savers should be rolling in 利益／興味 at the moment
Savers should be rolling in 利益／興味 at the moment. The Bank of England kept the base 率 at a 15-year high of 5.25 per cent on Thursday, so in theory savers should be 得るing 抱擁する rewards.
But sadly not all savers are 利益ing as 貯金 providers fail to pass on 率 rises ? and instead keep the 利益s for themselves.?
There is still a slew of cash 貯金 accounts that 支払う／賃金 井戸／弁護士席 under half this level of 利益／興味, 許すing the providers to swipe the 残り／休憩（する）.
What is more the 財政上の 監視者 has 警告するd of a 貧しく understood 非難する structure used by some 投資 and 年金 会社／堅いs to take advantage of savers.
If you manage your 在庫／株s and 株 Individual 貯金 Account (Isa) or 年金 online, or have a 株 取引，協定ing account, there is a good chance you are one of those 存在 clobbered.
監視者 問題／発行するs an 最終提案
In a 厳しい letter to the bosses of online 年金 and 投資 pla tforms, the regulator called this practice '二塁打 dipping'.
This is when 会社／堅いs not only 持つ／拘留する on to 利益／興味 earned on their 顧客s' cash ? they also 告発（する），告訴（する）／料金 them for the 特権.
In its letter, the 財政上の 行為／行う 当局 (FCA) questioned whether 会社／堅いs who do this are 事実上の／代理 'in good 約束' or 配達するing 'fair value'.
And it 警告するd that 会社／堅いs that 二塁打 下落する, or do not 申し込む／申し出 fair value on 貯金, have until February 29 to 行為／法令／行動する more 公正に／かなり ? or 直面する the consequences.
Of the 会社／堅いs 調査するd by the FCA, seven in ten were 設立する to be keeping some of the 利益／興味 they earned on 顧客s' cash. In fact, they kept half of it, on 普通の／平均（する）.
They made nearly £75 million in 歳入 from their 顧客s' cash 利益／興味 in the month of June alone, it 設立する.
And here's the rub ? of those that kept some of the 利益／興味, six in ten also 告発（する），告訴（する）／料金d their 顧客s a 料金 to 持つ／拘留する this cash. That's taking two bites of the cherry.
And, what's worse, many savers do not realise that 会社／堅いs are munching away at their cash 利益／興味 ? and 非難する them for the 特権.
Banks の中で those under scrutiny
High Street banks せねばならない be 診察するing their models over the festive season.?
Although the four shown in our （米）棚上げする／（英）提議する do not 告発（する），告訴（する）／料金 料金s on cash held, neither Barclays, Halifax nor HSBC 支払う／賃金 any 利益／興味 on cash held inside a 在庫／株s and 株 Isa. Santander 支払う／賃金s a mere 1.2 per cent.
Brands that 告発（する），告訴（する）／料金 a 料金 on cash held on the 壇・綱領・公約, and also 支払う／賃金 率s that are lower than the 現在の Bank of England base 率, 含む 世帯 指名する Aviva and 投資 brands 先導 and Willis Owen.
However, Aviva does 支払う／賃金 one of the highest 率s at 4.53 per cent, so even after the 料金 告発（する），告訴（する）／料金d for 持つ／拘留するing cash is deducted, 顧客s do not get a worse 取引，協定 than 相当するものs using other 壇・綱領・公約s.
The （米）棚上げする／（英）提議する shows the 利益／興味 paid by 主要な 壇・綱領・公約s on balances of up to £10,000 held in cash inside a 在庫／株s and 株 Isa.
More than half are 支払う／賃金ing いっそう少なく than 2.5 per cent, compared with the Bank of England's base 率 of 5.25 per cent.
利益／興味 paid on cash in 年金s is typically higher than in Isas or general 投資 accounts. People typically 持つ／拘留する more cash in a 年金 as they approach 退職, ready to take some money out. So it's important the 率s are higher here.
利益／興味 率s paid on cash held in 在庫／株s and 株 Isas are typically lower, as いっそう少なく cash tends to be held in these 製品s.
How do the big 壇・綱領・公約s stack up?
The 署名／調印する was barely 乾燥した，日照りの on the regulator's letter this week when ? with fortuitous タイミング and just hours later ? AJ Bell was first off the 封鎖する to 発表する さまざまな pricing changes from April.
The 壇・綱領・公約 was quick to 確認する that it did not 徴収する a 料金 on 顧客s for any cash they 持つ／拘留する, and also 発表するd 増加するs to 率s paid.
The highest tier will be 4.45 per cent for sums above £100,000 that are held in a 年金 (the 人物／姿／数字 is 現在／一般に 3.7 per cent), and this will 落ちる to 3.45 per cent for balances of いっそう少なく than £10,000.
The UK's largest stockbroker, Hargreaves Lansdown, also does not 告発（する），告訴（する）／料金 （弁護士の）依頼人s a 料金 for 持つ／拘留するing money in cash, although it makes 重要な sums from 利益／興味, 報告（する）／憶測ing £269 million was made in 逮捕する 利益／興味 on cash in the 12 months to June 2023.
The 選び出す／独身 biggest 歳入 line for this 投資 巨大（な） （機の）カム from cash.
It 支払う／賃金s a reasonable 利益／興味 率 of 4.2 per cent for sums of more than £100,000 in a 年金, and 3.45 per cent for balances of いっそう少なく than £10,000.
率 rises 最高潮の場面 poor practice
支払う／賃金ing paltry 率s on cash has been a problem that has stained 投資 and 年金 操作者s for １０年間s.
When 率s were 激しく揺する 底（に届く）, this 問題／発行する was 平易な to leave ぐずぐず残る in the in-tray.
Now that the base 率 is over 5 per cent, some 財政／金融 bosses will be having an uneasy run-up to the holidays.
Admittedly, 投資 壇・綱領・公約s are 商業の 企業s and need to make a 利益（をあげる）. 非難する something for 扱うing cash is of course not 不当な.
However, they need to be upfront and （疑いを）晴らす with 顧客s on how and what they 告発（する），告訴（する）／料金 ? and 二塁打 dipping will no longer be 許容するd.
消費者s deserve to make more on the cash they 持つ／拘留する with these providers ? and it's a shame it has taken a regulatory boot on the neck to create the change.
Holly Mackay is 創立者 and 長，指導者 (n)役員／(a)執行力のある of 投資 website boringmoney.co.uk
