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Mark Richardson

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Review of the Raisin, Savings:

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Regular updates showing competitive interest rates.

Regular updates showing competitive interest rates. Also, once set up ease of transfer of funds to my current account. Reviewed on: 20th April 2025

Review of the RCI Bank, Freedom Savings Account:

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Easy Access

Easy transfer to my current account that pays no interest. Sometimes I need to stop me being overdrawn. Reviewed on: 20th January 2022

Review of the Raisin, Savings:

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Fixed rate bonds.

Extremely happy with my fixed rate bonds. Previously Santander were paying 1.5% up to 20K in their current account last year. They then dropped their interest rates twice in 2020. I decided to buy two fixed rate bonds, one for two years, the other for three. They are earning 1.66% and 1.75% respectively. I have converted my current account to a Santander Lite account, still get a cashback on certain bills for only a £2 monthly fee. I have also opened a deposit with RCI bank that currently earns 0.4% interest,(previously 1% when opened) with instant access, it is linked to my Santander current account. Withdrawals are credited to my current account the next day. The fixed rate bonds are very good if one doesn't need immediate access. Even at today's rates they are okay, as long as inflation remains low. Reviewed on: 21st March 2021

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