Why the Virgin Money 引き継ぎ／買収 may mean BETTER 全国的な 貯金 率s - SYLVIA MORRIS explains

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全国的な building society’s £2.9 billion 引き継ぎ／買収 of Virgin Money is hitting the headlines as thousands of the society’s 顧客s 抗議する that they will not get a 投票（する） on whether it should go ahead.

全国的な, which is owned by the 16 million 顧客s who are members of the society, 計画（する）s to buy Virgin Money to create Britain’s second biggest 貯金 and 貸付金s group.?

But some 顧客s 恐れる they will get a rum 取引，協定 and that the money could be better spent on its 現在の members.

The Give 全国的な Members A Say 嘆願（書） has の近くに to 4,000 加盟国s. A 調査する by 全国的な at the 週末 設立する 8 per cent were …に反対するd to the 引き継ぎ／買収, 48?per cent were 中立の and 44 per cent were in favour.

However, I think the buyout, which could be done and dusted by the end of this year, could mean better 率s for 全国的な savers. And not before time ― they have put up with mediocre offerings for years.

引き継ぎ／買収: 全国的な, which is owned by the 16 million 顧客s who are members of the society, 計画（する）s to buy Virgin Money to create Britain’s second biggest 貯金 and 貸付金s group

全国的な says Virgin Money 利益（をあげる）s will 料金d into the 全国的な Group and 改善する its 財政上の strength. It says there are ‘説得力のある’ 財政上の 利益s which will mean better 貯金 率s compared with the market 普通の／平均（する）.

Let’s hope so. The 普通の／平均（する） 平易な-接近 account 支払う／賃金s 3.11 per cent によれば 率 scrutineers Moneyfactscompare.?

But 全国的な 支払う／賃金s 2.35?per cent at best ― and that is only to those with £50,000 or more in its Instant 接近 Saver. For balances at £1 加える it is an even worse 2.25 per cent, rising to 2.3?per cent once your balance reaches £10,000.

On its one-year 直す／買収する，八百長をするd-率 社債 it 支払う／賃金s 4.25 per cent, and it 支払う／賃金s 4.5?per cent on its 同等（の） cash Isa. That, too, is below the 普通の／平均（する）, which is 4.6?per cent and 4.51?per cent それぞれ.

Virgin Money, on the other 手渡す, has 申し込む／申し出d 終始一貫して good 率s since it burst の上に the 貯金 scene. Its 直す／買収する，八百長をするd-率 社債s and Isas tend to be の中で the 最高の，を越す payers.

It 支払う／賃金s 4.65 per cent on its one-year 直す／買収する，八百長をするd-率 社債 and 4.76?per cent on its ordinary 平易な 接近 Cash Isa ― but the latter is on 申し込む／申し出 only to 顧客s who have a Virgin Money 経常収支.

Virgin Money’s variable 率 平易な-接近 account, which 制限するs the number of 撤退s you make each year, （警官の）巡回区域，受持ち区域s out 全国的な’s.

With Virgin’s Defined 接近 E-Saver you earn a headline 率 of 4.51 per cent. If you make more than three 撤退s in a year, the 率 減少（する）s to 2 per cent.

At 全国的な, the one-year ３倍になる 接近 Online Saver 支払う／賃金s a lot いっそう少なく at 4.25 per cent. Once you have made more than three 撤退s the 率 goes 負かす／撃墜する to 2.15 per cent.

The 全国的な high 率 lasts for only a year ― after which you are moved into an instant 接近 貯金 account that 支払う／賃金s 2.35?per cent at best.

The pair 申し込む／申し出 Isa 見解／翻訳／版s of these accounts, with Virgin Money at 4.51 per cent, and 全国的な’s one-year ３倍になる 接近 Online ISA at 4.25 per cent.

Let’s hope that, when t hey 合併する, Virgin Money takes a lesson from 全国的な on how to 扱う／治療する loyal 顧客s.

Virgin Money savers with old accounts that are no longer on sale are paid as little as 0.25?per cent 利益／興味. 全国的な 支払う／賃金s the same on its の近くにd 平易な-接近 accounts as it does on its 現在の Instant 接近 Saver.