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Additional Details
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Moose | Can anyone tell me what is the safest bank to put your savings into.? |
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fosyfos
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The bank of Fosyfos |
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John S
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ING - Worldwide reputable company paying very high interest.
Birmingham Midshires - Going strong
ICICI Bank HiSAVE -
Like already mentioned. You are strongly recommend to put only a maximum of 32000 pounds per INSTITUTION.
For example. If you decide to put your money with RBS (Royal Bank of Scotland)
Then DO NOT PUT ANY MORE MONEY in the following:
* Drummond Bank
* NatWest
* UlsterBank
* MINT
* Tesco Personal Finance (50% joint venture with Tesco)
* The One account
All the best |
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old know all
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Any authorised UK bank is perfectly safe. UK banking regulations are so strict that it is virtually impossible for depositors funds to be put at risk. If you do make a loss because the bank goes bust, you will get a refund (up to £50,000) from the Financial Compensation Fund. There has never been any risk to depositors funds at Northern Rock.
The only risk is that if you join the queue trying to withdraw your savings from Northern Rock, you'll get mugged on the way home. |
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vaarmit
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a sealed box and bury it where you only know - if it comes to the crunch the banks will shut their doors in your face |
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Franco
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The National bank of Zimbabwe. |
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www.ciaranprice.co.uk
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Northern Rock... |
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~o0o~
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you are asking this question without specifying your location. so how would anyone could tell you the best and the right one for you? there are few here already who suggested a name of the bank, do you think it would be right for you or that bank is available in your location? how about if i will tell you also another name of the bank which i assume there is none in your place but it's secured and famous bank here? if i were you, try to search a bank which has an international affilation so that in case you will be in another country you could still access with it both by ATM or personal appearance of that branch bank. some are HSBC (Hong Kong Shanghai Bank); City Bank; PCI Equitable; and lot more...but hoping your not involve of money laundering. |
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pjshacks
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National Savings are the safest place to hold your money - they are backed by the government and 100% safe. Banks and b.socs are protected by the financial compensation scheme - this protects 100% of the first £2,000 and 90% of the next £33,000. Most UK financial institutions are safe at the moment, all this panic about Northern Rock is small minded individuals panicing because they do not really understand the larger picture. Generally the big four (HSBC.RBoS, Lloyds TSB and Barclays) are considerd the most secure as they have the largest reserves. You could also consider building societies - these are owned by the customers - so no share values going up and down.
There is always a risk to holding your money on National Savings, Banks and BSocs due to the effects of inflation - the capital will gradually become worth less and less as the years go by. It is nigh on impossible for money held in deposits to keep up with inflation (RPI is the best indicator) and that is why diversification - ie splitting your money up - is so important and not just looking at bank/b.socs. You can invest money and still retain total security and guaranteed growth in line with inflation if you look around (Norwich Union for example offer a fund that invests in a range of markets to give you higher potential growth than bank and b.socs and also gives you a guaranteed minimum return of inflation - this product is also protected by the financial compensation scheme, 100% of the first £2,000 and 90% thereafter with no upper limit - so all your investment is somewhat protected not just £35k - nice) |
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visvardis
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any bank fdic insured |
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VENI VIDI VIDIC
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I agree with old know it all, all banks are members of the FSA and you would be entitled to compensation if the bank went bust due to the financial compensation scheme
http://www.fscs.org.uk/consumer/faqs/investment_claims_faqs/
Edit: I think the member below is incorrect, all firms who are members of the FSA pay levies. Also thousands of people successfully received compensation for being mis-sold Endowment Mortgages. |
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Narky
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It's a good question.
Don't believe the people above me who tell you to relax and that your money is covered by the FSCS protection upto something like £35,000......... one broadsheet newspaper was reporting that no bank has paid any funds in to the protection scheme since it was created in 2001. Therefore what is actually in there to pay out should a big bank meet trouble.
National Savings ISA is a good safe home for your money (ISA rules apply... for example.. maximum deposit of £3,000 per year is allowed in to only 1 ISA per tax year) |
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Lucky Man.
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Halifax bank of Scotland. |
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ken p
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PIGGY BANK |
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dunnie1053
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With the recent carry on re Northern Rock I would suggest using the Post Office. They have various types of accounts, interest rates are quite good although it would depend whether you require easy access to your cash or you are able to invest long term. Another suggestion would be to put some cash into National Saving Certificates altho this would be better for a long term investment but even so you are able to take your cash out at any time. Difficult question to answer with the state of the stock market at the moment as no-one knows which way it's going to go. Good luck. |
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Chuckler
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Bank of Chuckler |
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TOMMY B
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Honest opinion
the amount interest you get not worth the hassle .So for me ,best bank and you get instant 24hours access is ----- wait for it ----------
The Bank of Mattress
If you don't get this then put it into the Bookmakers
don't deserve to have any |
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avondrow
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That would be Northern Rock - The treasury guarantee ti! |
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