There's no 支配する to stop banks 支払う／賃金ing awful 率s: SYLVIA MORRIS 指名するs the worst 違反者／犯罪者s

By Sylvia Morris

Updated:

Think you're a savvy saver? Then beware. It's often those who think they're getting the best 取引，協定s who 結局最後にはーなる with some of the worst.

Take, for example, the thousands of savers who nabbed the 最高の，を越す- 支払う／賃金ing 平易な-接近 Isa from Santander last year.?

While they've enjoyed a 率 of 3.2 per cent, if they don't move their money before the 初期の one-year 取引，協定 is up, they will see it 減少（する） to a dismal 1.2 per cent.

That is because Santander automatically moves your money from this 最高の，を越す account into its Isa Saver, an old account which is no longer on general sale ― and which no 権利-minded saver would willingly choose.

I had high hopes this would change when new 消費者 義務 支配するs were introduced by the 財政上の 行為／行う 当局 (FCA) last year.?

Rate cut: Savers who nabbed the top-paying easy-access Isa from Santander last year enjoyed a rate of 3.2%, but after one year it drops to a dismal 1.2%

率 削減（する）: Savers who nabbed the 最高の，を越す-支払う／賃金ing 平易な-接近 Isa from Santander last year enjoyed a 率 of 3.2%, but after one year it 減少（する）s to a dismal 1.2%

I would have thought these 規則s, which 要求する 財政上の services companies to 確実にする good 結果s for 顧客s, would have stopped 貯金 providers from 支払う／賃金ing terrible 率s on old 貯金 accounts no longer on sale while there are better 率s on new ones.

Banks and building societies were given 12 months to 適用する 消費者 義務 支配するs to their old 貯金 accounts. But I don't 持つ／拘留する out much hope that 率s will 改善する 大いに by July.

Yesterday, the FCA 開始する，打ち上げるd a £600,000 （選挙などの）運動をする to encourage savers to shop arounnd ― placing responsbility 堅固に on savers to get a good 取引，協定.

And when I asked the FCA if it would 要求する 貯金 providers to 改善する 率s on old accounts, it said no.?

It pointed me to a hidden section of its 支配する 調書をとる／予約する, catchily 肩書を与えるd Finalised 指導／手引 For 会社／堅いs On 消費者 義務.

HOW THIS IS MONEY CAN HELP

In (FG22/5) paragraph 3.22, it says: 'We do not 推定する／予想する 会社／堅いs to move all 存在するing 顧客s on to the 最新の 見解／翻訳／版 of a 契約, or to standardise pricing models for all 遺産／遺物 商売／仕事.?

会社／堅いs should review each 製品 or service on its own 長所s and 演説（する）／住所 any 問題／発行するs they find.?

For example, we do not 推定する／予想する all 遺産／遺物 deposit accounts to 申し込む／申し出 the same 利益／興味 率; instead, 会社／堅いs should check that the 利益／興味 率 供給するs fair value in the 状況 of each 製品.'

The FCA says it isn't a price regulator, so it won't tell providers what they should 支払う／賃金 savers.

Some big banks have been working to 従う with the new 支配するs ― but still 支払う／賃金 lousy 率s. For example, NatWest has moved all its savers in its old Instant Saver account into its 柔軟な Saver 平易な-接近 account, which is 現在／一般に on sale.?

But, you still earn the same low 率, starting at 1.75 per cent on balances up to £25,000.

The best 平易な-接近 accounts 支払う／賃金 around 5 per cent. Barclays has no old 平易な-接近 accounts, but 支払う／賃金s a lousy 率 at 1.65 per cent at best on its Everyday Saver account.

Santander, Halifax and Lloyds still 申し込む／申し出 new accounts with 最高の，を越す 率s that only last for a year. Then your money is 捨てるd in an old account with dreadful 率s.

Halifax has a 特別手当 Saver, an ordinary 平易な-接近 account, which 支払う／賃金s 4.1 per cent if you make no more than three 撤退s in a year.?

But, after 12 months, you 結局最後にはーなる in its off-sale Instant Saver, which 支払う／賃金s 1.45 per cent.

Halifax has other の近くにd accounts 支払う／賃金ing even いっそう少なく: just 1.3 per cent in the misnamed 特別手当 Gold and Extra Income Saver.?

Lloyds 申し込む／申し出s a 旗艦 4 per cent Club Lloyds Advantage Saver for a year, before moving you to its の近くにd 基準 Saver, where 率s start at 1.4 per cent.?

It also has の近くにd accounts such as its 柔軟な Saver, Online Saver, Platinum Saver and 首相 Saver, 支払う／賃金ing between 1.4 per cent and 1.9 per cent depending on your balance.

Virgin Money's old E-Saver and 平易な 接近 E-Saver accounts 支払う／賃金 a disgraceful 0.25 per cent. Its の近くにd 二塁打 Take account, which 許すd two 撤退s a year, now 支払う／賃金s just 0.35 per cent.?

Its newer Defined 接近 E-Saver, which 許すs you to make three 撤退s a year, 支払う／賃金s 5.11 per cent on 問題／発行する 21. But some older 問題／発行するs of the same account 支払う／賃金 just 1.75 per cent.

sy.morris@dailymail.co.uk

Isa: make the most of your 税金 allowance?

You can 得る，とらえる 率s of over 5 per cent 税金-解放する／自由な by using your £20,000 cash Isa allowance for this 税金 year.?

But 行為／法令／行動する 急速な／放蕩な ― the 税金 year ends on April 5 and you can't carry over this year's allowance to next year.

Providers are now 緊急発進するing to get themselves to the 最高の，を越す of the best buy （米）棚上げする／（英）提議するs.?

On one-year 直す／買収する，八百長をするd-率 cash Isas, Shawbrook 支払う／賃金s 5.03 per cent on £1,000 or more; OakNorth 支払う／賃金s 5.02 per cent with a 最小限 £1.?

It's 5 per cent at Aldermore and 城 信用 banks, both with a 最小限 of £1,000, and at 借り切る／憲章 貯金 Bank, but on a 最小限 £5,000.

On 平易な-接近 cash Isas, Zopa is 最高の，を越す at 5.08 per cent on £1 or more, with 借り切る／憲章 貯金 Bank at 5.03 per cent, on a 最小限 £5,000.?

Harpenden BS Online Isa 支払う／賃金s 5.01 per cent on £1; Family BS Market Tracker Isa 5 per cent on £500 or more; Cynergy Bank 支払う／賃金s the same 率 on a 最小限 £1.

If you don't 計画（する） to make many 撤退s, then you could 選ぶ for a '限られた／立憲的な 接近' account.?

The best 率s come from Virgin Money's Defined 接近 E-Isa 問題／発行する 25 at 5.06 per cent as long as you make three or より小数の 撤退s a year.?

Make more and you'll earn 2 per cent. But, Virgin 支払う／賃金s much いっそう少なく on older 問題／発行するs. For example, 問題／発行する 17, on sale last summer, 支払う／賃金s only 2.25 per cent ― so switch to a new one.

Check the best cash Isa 率s in our 貯金 （米）棚上げする／（英）提議するs?

How to find the best 貯金 率s

貯金 率s are on the rise after many years in the doldrums, with savers now able to 捕らえる、獲得する 取引，協定s 支払う／賃金ing more than 5 per cent.

But many people still have money languishing in old sub-1 per cent 支払う／賃金ing 貯金 accounts.

Checking 最高の，を越す 率s is 必須の, but can also possible to make life easier to manage your 貯金 マリファナs in one place.??

Over the past few years a number of?貯金 壇・綱領・公約s have 開始する，打ち上げるd, 申し込む／申し出ing savers the 選択 to switch as and when better 取引，協定s become 利用できる and manage accounts from different banks and building societies.

They each work わずかに 異なって and 含む their own 排除的s. To find out more and check out what's on 申し込む／申し出 visit our special?貯金 壇・綱領・公約 最高の，を越す 率s （米）棚上げする／（英）提議するs.

You can also 見解（をとる） our 包括的な best buy 貯金 （米）棚上げする／（英）提議するs, 独立して curated by 貯金 guru Sylvia Morris and the This is Money team.

貯金 必須のs:

> Compare best 貯金 率s in our （米）棚上げする／（英）提議するs?

> Check the best 率s from 貯金 壇・綱領・公約s?

> 調印する up to 貯金 警報s to get 最高の，を越す 取引，協定s sent to you

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