Saving's account question

[heyya99]

I have a savings account that I must pay between 25-250 per month to qualify for an AER of 4% / 3.2% after tax (it matures after 12 months max). The account reverts to 0.05% if I end before 12 months.
http://www.hsbc.co.uk/1/2/savings-ac...vings-accounts

I also have a UK ISA that pays 2.33% AER variable (2.59% tax-free variable).
http://www.nationwide.co.uk/products...s-and-benefits

My question is - should I stop the regular saver account and direct all money the the ISA (I'd drop back to the 0.05% rate)

or

continue with the 250 into my regular saver and when it matures in February, put the money into my ISA?

[northernladuk]

Why not spend 5 minutes and download a spresdsheet of the web and run the numbers through it?

[northernladuk]

Remember you might have things to consider we don't know about like buying the house which will make a difference and so on.

[ASB]

From those numbers. Stick with the savings account. Transfer to isa later.

from your circumstances. Have no clue.

[TheFaQQer]

Why not spend 5 minutes and download a spresdsheet of the web and run the numbers through it?

There's a spreadsheet of the web? It must be huge.

[northernladuk]

There's a spreadsheet of the web? It must be huge.

No. There is a spresdsheet as I said in my original post. Are you sure you are cut out to be a Grammar cop?

[TheFaQQer]

No. There is a spresdsheet as I said in my original post. Are you sure you are cut out to be a Grammar cop?

Sometimes, I like to not correct the spelling. Grammar is something else, though.

[v8gaz]

There's a spreadsheet of the web? It must be huge.

I think the Northern oaf meant "off the web"

[northernladuk]

Northern oaf? I bloody voted for you you turn coat!!!

[v8gaz]

Northern oaf? I bloody voted for you you turn coat!!!

Hmm... I think you're telling porkies. On the grounds that I wasn't up for election this year.

Busted!