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Phillipa
Veteran Investor
Joined: 05 Feb 2005
Posts: 419
Cash Points ££ 3383.78
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 Posted: Mon Oct 23, 2006 3:02 am Post subject: Lloyds TSB 8% 2 year fixed Regular Saver |
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One of the best regular saver rates at 8% for 2 years. The only requirement is to have or open a TSB Current Account
Full details -
Monthly Saver
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Get your hands on your money without losing interest
Receive unlimited instant access to your savings with no penalties and enjoy a fixed interest rate of 8.00% AER*/gross for two years. Control the amount you save each month, between £25 and £250 – and watch your money grow.
8.00% AER / gross* fixed rate for two years
Instant access with no penalties
Deposit up to £500 in first 7 days
Open a Monthly Saver at your local branch, or call us on 0845 3 002 758**.
If you don’t have a current account with us, it’s easy to
switch to Lloyds TSB.
Monthly Saver important information
Features & Benefits
You’ll enjoy:
a highly competitive annual rate, fixed for 2 years,
flexibility - start with an opening balance of anything up to £500, then put aside £25 to £250 a month by standing order,
simplicity - open one Monthly Saver and get the same great rate, however much you save,
instant access to your money with no penalties,
make as many withdrawals as you like to your Lloyds TSB current account, although you can only pay in once a month by standing order and cannot replace what you’ve withdrawn,
the convenience of seeing your balance online and changing your standing order any time you like if you have Internet banking,
open to new and existing current account customers,
continued growth – at the end of two years, your account will convert to a Guaranteed Tracker.
http://www.lloydstsb.com/savings/monthly_saver.asp |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Tue Oct 24, 2006 10:12 am Post subject: |
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A key point people need to be aware of
You can put in £750 in the FIRST month !
ie. £500 opening cash or cheque and £250 S/O in the FIRST mnth !
More details -
Your Opening Payment:
• you can make one payment in of up to £500 within 7 days of opening your Monthly Saver - this does not include your first standing order (see ”Your Standing Order Payments” below).
Your Standing Order Payments:
• for a period of 24 months from account opening you can make a monthly payment of between £25 and £250;
• if your payment in is less than £25 or more than £250, we will return it to you;.
• no other money can be paid into your account;
• your first payment must be made within 30 days of account opening;
• payments can’t be made from another Lloyds TSB savings account;
• you can only make one payment each calendar month;
• if you miss a payment you can’t make it up.
You must set up a standing order when you open your Monthly Saver. If you don’t make your first standing order payment within 30 days of account opening we may convert your account to a Guaranteed Tracker (or similar account if that account is no longer available.)
If your account’s balance is below £1 you won’t earn any interest.
You can close your Monthly Saver at any time and we will return your money plus any interest you have earned. If your Monthly Saver ends early you will not be able to open another Monthly Saver before the second anniversary of account opening.
You can make withdrawals from your account but you cannot replace any money you withdraw.
We display the current rates of interest paid on Monthly Saver accounts in our UK branches.
We calculate interest on a daily basis on cleared credit balances. If required by current tax legislation, interest will be paid after deducting income tax at the appropriate rate (this is the ‘net’ rate of interest). We reserve the right to pay interest at the net rate on all our accounts.
We will pay interest once a year. Annual interest is paid on the anniversary of account opening. If the interest payment date is not a working day, interest is paid on the next working day.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once every year. As every advertisement for a savings product which quotes an interest rate will contain an AER, you will be able to compare more easily what return you can expect from your savings over time.
Gross - is the contractual rate of interest payable before deduction of income tax at the rate specified by law.
Net - is the rate of interest which would be payable after allowing for the deduction of income tax at the rate specified by law
Your Monthly Saver will end on the second anniversary of account opening and we will convert your Monthly Saver to a Guaranteed Tracker (or similar account if that account is no longer available). You will be able to close your Guaranteed Tracker or similar account at any time.
When your account is converted to a Guaranteed Tracker (or similar account if that account is no longer available) your account number will remain the same and we will continue to accept your standing order payments until you cancel them.
We may vary this account’s features or conditions, by giving you notice in a newspaper, branch, letter or online - whichever is appropriate for the change we are making and the type of account you have. We may do this for example to:
• make a change to your benefit, or not affecting your rights and obligations;
• meet legal or regulatory requirements;
• correct errors, omissions, inaccuracies and ambiguities;
• deal with reorganizations within our group;
• cover service differences for new computer or other processes;
• bring us in line with market practice
• reflect developments we wish to make to your account and changes in customer demand or requirements.
At any time we can require you to close your Monthly Saver. We may do this without giving any reason, but we will normally give you reasonable notice.
If you are not happy about your choice of savings account we will help you switch to another one of our accounts or we will give you your money back with any interest it has earned. |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Tue Jan 23, 2007 5:10 am Post subject: |
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The Lloyds TSB 8% rergular saver will be withdrawn from March 07, so if your waiting to set one up, do it sooner rather than later.
Yes it will run for the full term if opened BEFORE March 07 |
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