Savings Champion

For no-obligation advice on your savings you can speak to one of our expert advisers based in our Bath office.

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Personal accounts

Super Size Your Cash Savings

Get as much as 3.5 times more interest than the High Street banks

Eight questions you need to ask your Wealth Manager

Ensure you get the best value by asking these essential questions

22nd September 2017 18:13

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FlexDirect Current Account	Current Account	Classic Plus account *	Vantage Current Account	Club Lloyds Current Account

Click here to find out what the * means
Our Verdict
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Gross Interest Rate What's This? This is the initial rate paid, before any tax is deducted. The gross rate will include any bonus that applies at that moment, so it is important to also check the AER.
4.89%	2.96%	2.96%	1.98%	1.98%
Call Moneyline on 0800 321 3581 to see if there are better rates available for you personally Why? More suitable accounts may be available based on your age, postcode, whom you currently bank with and if you are happy to open or access your money just in the institution’s branch. Also we rarely show accounts in our best buy tables that require deposits of £25,000 or more as this only applies to a small percentage of savers, in fact only 2% have more than £85,000 in savings (source FSCS).
AER What's This? This stands for Annual Equivalent Rate and is supposed to help you to compare different savings accounts.
5.00%	3.00%	3.00%	2.00%	2.00%
Minimum Deposit
£1	£0	£1	£1	£1
For the best rates on deposits over £100,000 call 0800 321 3581. So confident are we that we can improve your savings situation that we will donate £50 to a charity of your choice if we can’t. Click here to find out more
Access
Online, Branch, Phone	Online, Branch, Phone	Online, Branch, Phone	Post, Online, Branch, Phone	Online, Branch, Phone
Facts
Easy access. Rate includes a 4.00% bonus for the first 12 months, subject to terms and conditions, after which the rate will reduce to 1.00% gross / AER. A minimum of at least £1,000 must be paid into the account each month to qualify for the bonus. The 4.89% gross / 5.00% AER interest rate is only paid on balances up to £2,500. Balances above £2,500 will not receive any interest. Interest is paid on the 1st of each month.	Easy access. The 2.96% gross / 3.00% AER interest rate is only paid on balances up to £3,000. Balances above £3,000 will not receive any interest. You must pay in at least £750 per statement month, and pay at least three direct debits each statement month. The rate is guaranteed to be 3% AER until the April 2019. Additional Clubcard points are available on money spent on the debit card for the account. Interest is paid monthly. Please note, this account is currently not available to customers in Northern Ireland.	Easy access. The 2.96% gross / 3.00% AER interest rate is only paid on balances up to £1,500. Balances above £1,500 will not receive any interest. A minimum of at least £500 must be paid in to the account each month and you must register for internet banking, paperless statements and correspondence (when available) to qualify for this interest rate. Customers can open the account without having an existing TSB current account or can add it to an existing current account with TSB. 3% Cashback is available on the first £100 of Contactless payments every month, this offer will end on 30th September 2017. £5 cashback is available each month, subject to having minimum of two direct debits set up on the account to be taken each month. Plus another £5 cashback each month if you spend with your debit card 20 times a month, offer ends 30th June 2018. Interest is paid monthly.	Easy access. Vantage can be added to an existing account or selected when applying for a new account. A minimum of at least £1,000 must be paid into the account each month, you must stay in credit and pay at least two different Direct Debits from your account each calendar month to qualify for this interest rate. Balances above £5,000 will not receive any interest. Interest is paid on the 2nd of each month. Although the account can be applied for and managed online or by telephone, the provider may need to see ID in a branch.	To qualify, 2 direct debits must be paid out of the account each month and you must either pay in £1,500 a month or pay the £3 monthly fee. Interest is only paid on balances up to £5,000, 0% interest on anything over this balance. Club Lloyds can be added to an existing account, or selected when applying. Interest paid monthly on the first working day. Switching from an existing current account is not necessary as long as the above account conditions are met.
Financial Services Compensation Scheme What's This? The Financial Services Compensation Scheme currently protects you up to £85,000 per person, per banking licence (Please note many providers share banking licences). If you want to ensure your savings are fully protected now and in the future, whilst getting the best rates of interest, our Concierge Managed Savings Service can help you. For a free no obligation conversation please click here.
Own Licence	Own Licence	Own Licence	Shared Licence	Shared Licence