grahamsnumber
New member
Hi all.
I'm currently stoozing and have opened a number of current accounts (all are free or pay me money each month as I have required DDs or transfers) to gain access to savings accounts and switch bonuses.
Atm my savings are split between:
£400 - Lloyd's regular saver - 5.25% (Nov23)
£5,000 - Barclays Rainy Day - 5% (N/A)
£450 - NatWest regular saver - 5% (Sep23)
£250 - Halifax regular saver - 4.5% (Nov23)
£200 - Nationwide regular saver - 3.5% (Aug23)
£150 - Saffron regular saver - 3% (Sep23)
£5,000 - DF Capital 90 day notice account - 2.8% (N/A)
£700 - Santander eSaver - 2.75% (N/A)
Number in bracket is maturity of the savings accounts (I have corresponsinf debts around about the level of my savings atm but its all at 0% - mixture of credit card and a few zero interest loans for purchasing a sofa and laser eye surgery)
Currently withdrawing my savings from DF Capital as the 0.05% extra over Santander isn't worth losing the fact its easy access and can use my Santander as the location for my "excess" savings while I continue max out drip feeding into my monthly regular savings accounts which in total represent £900 / month of savings:
Lloyd's - £400; NatWest - £150 (up till balance = £1k); Halifax - £250; Nationwide/Saffron - £50 each
Any thoughts/comments on this set up from other redditors?
Are any others doing something similar?
I'm currently stoozing and have opened a number of current accounts (all are free or pay me money each month as I have required DDs or transfers) to gain access to savings accounts and switch bonuses.
Atm my savings are split between:
£400 - Lloyd's regular saver - 5.25% (Nov23)
£5,000 - Barclays Rainy Day - 5% (N/A)
£450 - NatWest regular saver - 5% (Sep23)
£250 - Halifax regular saver - 4.5% (Nov23)
£200 - Nationwide regular saver - 3.5% (Aug23)
£150 - Saffron regular saver - 3% (Sep23)
£5,000 - DF Capital 90 day notice account - 2.8% (N/A)
£700 - Santander eSaver - 2.75% (N/A)
Number in bracket is maturity of the savings accounts (I have corresponsinf debts around about the level of my savings atm but its all at 0% - mixture of credit card and a few zero interest loans for purchasing a sofa and laser eye surgery)
Currently withdrawing my savings from DF Capital as the 0.05% extra over Santander isn't worth losing the fact its easy access and can use my Santander as the location for my "excess" savings while I continue max out drip feeding into my monthly regular savings accounts which in total represent £900 / month of savings:
Lloyd's - £400; NatWest - £150 (up till balance = £1k); Halifax - £250; Nationwide/Saffron - £50 each
Any thoughts/comments on this set up from other redditors?
Are any others doing something similar?