避ける 貯金 取引，協定s at 最高の，を越す of best-buy （米）棚上げする／（英）提議するs - unless you make these checks first

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When looking for a new 貯金 account, it can be tempting to 選ぶ the one at the 最高の，を越す of most best-buy （米）棚上げする／（英）提議するs.

But, banks and building societies use all sorts of tricks to get to the 最高の，を越す of these （米）棚上げする／（英）提議するs.?

That means those that do are not やむを得ず the ones that will 証明する the best 選ぶ for you.

Behind the shiny facade of 最高の，を越す 率s can be a host of 制限する 条件 and 条件s.

Hidden 料金s: Banks and building societies use all sorts of tricks to get to the 最高の，を越す of best-buy （米）棚上げする／（英）提議するs so those that do will not やむを得ず 証明する the best 選ぶ for you

Each week, I put together my 星／主役にする Buys （米）棚上げする／（英）提議する ― and to make the 削減（する）, 貯金 providers need to do far more than 簡単に 申し込む／申し出 bumper 率s.

I also work with the This is Money team to 収集する our 十分な 独立した・無所属 best buy 貯金 （米）棚上げする／（英）提議するs, where we feature the best 率s and 詳細（に述べる） what you need to know.?

Other 名簿（に載せる）／表（にあげる）s of 最高の，を越す 貯金 率s can have more simplistic methodologies ― and often just 名簿（に載せる）／表（にあげる） the accounts with the best 率s.?

So, if you use these, make sure to follow my checklist to 確実にする you get an all-一連の会議、交渉／完成する excellent account that won’t 証明する 制限する later on.

And remember, if you 選ぶ for an 平易な-接近 account, 率s are variable so the provider can alter them at any time and will not always 通知する you.?

Check 率s 定期的に ― at least once a month ― to make sure you are still getting a 競争の激しい 取引，協定.

Watch out for 抱擁する 最小限 balances

最高の，を越す-支払う／賃金ing accounts often have a 抱擁する 最小限 balance. For example, you need at least £10,000 to get a 最高の，を越す 率 of 5.1 per cent from の近くに Brothers 貯金.

Ask yourself, if you have this much money to put into a 貯金 account, do you really want to keep it in an 平易な-接近 account or could you lock it away for longer or even 投資する it?

If you think you may have to take money out for an 緊急 your 率 could 急落する ― 負かす／撃墜する to a lousy 1 per cent in the 事例／患者 of the の近くに Brothers 貯金 account.

Your £10,000 will 支払う／賃金 you £510 a year ― around £42 a month. But £9,999 in the account for a month, gets just over £8 rather than the 十分な £42 ― an expensive mistake.

Monument Bank at 5.08 per cent asks for an even higher 最小限 of £25,000 deposited with the bank across all its 貯金 accounts.

On the other 手渡す, Family Building Society Online Saver, at 5.04 per cent, 支払う／賃金s you わずかに いっそう少なく but you can open it with just £100.

Check when and how much you can take out

Some accounts that （人命などを）奪う，主張する to be 平易な 接近 have 最小限 撤退s, like Shawbrook Bank’s 5 per cent on £1,000 or more, but 撤退s must be at least £500.

Check how long it takes to get cash

Some providers 支払う／賃金 撤退s into your 経常収支 即時に. With others you have to wait a day, or even two.

Beware the disappearing ‘特別手当’

Some providers 支払う／賃金 a ‘特別手当’ 率 for the first 12 months, but be sure when the 特別手当 disappears or you could 結局最後にはーなる on a much poorer 率.?

地位，任命する Office Online Saver 支払う／賃金s 4.7 per cent in the first year, after which it 減少（する）s to 1.55 per cent.?

Others 支払う／賃金 a much smaller 特別手当, so you don’t lose much when it disappears.

Watch out for 限界 on 撤退s

Some accounts 限界 the number of times you can take money out each year ― in some 事例／患者s as few as two.?

Providers like to 申し込む／申し出 these accounts as they cost いっそう少なく to 治める.

Bank the base 率 with this quirky account

Skipton Building Society's Base 率 Tracker 社債 保証（人）s that the 率 you earn will match the Bank of England base 率

Skipton Building Society has 開始する，打ち上げるd a new account ― with a 新たな展開.

It’s one that is 価値（がある） a look if you think 利益／興味 率s won’t 落ちる far in the 近づく 未来.?

The Base 率 Tracker 社債 locks your money away for up to two years and 保証（人）s that the 率 you earn will match the Bank of England base 率 ― 現在／一般に 5.25 per cent.

It’s riskier than a 直す／買収する，八百長をするd-率 社債 where you know 正確に／まさに how much 利益／興味 you will earn, but it could 証明する to be a better 取引，協定.

It 支払う／賃金s a better 率 than the best two-year 直す／買収する，八百長をするd 率 社債 現在／一般に on 申し込む／申し出 at between 4.91 and 4.96 per cent from internet-based banks such as DF 資本／首都, の近くに Brothers and SmartSave banks.

の中で High Street banks, the best two-year 率 i s 4.75 per cent from Furness, though most 支払う／賃金 between 4 and 4.4 per cent.

If base 率 moves up or 負かす／撃墜する, so will the 率 you earn on the Skipton 社債. But the sting is that you can’t take your money out if 率s 宙返り／暴落する.

As no one can be 確かな what the Bank of England will do next, I would use as much as possible of the £20,000 税金-解放する／自由な cash Isa allowance before considering any other 社債.

sy.morris@dailymail.co.uk