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@lonmarjc You are on a rate of 0.8% that’s basically free money. By going to a fixed rate of 2.8% that’s a 350% increase in your borrowing rate. Personally while I can see the euro rate increasing the banks have already factored in what they think the rate will go to when offering you a fixed...

@falconkestrel Don’t use a debit card for large payments. You have limited protection. Use a credit card for the purchase. Transfer money from debit card to pay the credit card. .