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ETHICAL BANKING
Ethical banking means a financial institution is trying to make a positive impact on society. You might prefer to select your bank based on whether it aligns with your beliefs. More people are choosing to bank ethically because it encourages transparency and helps build strong communities. Current section. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
GIFTING MONEY TO CHILDREN EXPLAINED (2021) This roll-over does mean that you are able to give your children up to £6,000 in one year. You’re allowed to gift smaller sums of money, up to £250 a year, to as many people as you want. However, you can’t combine this with your annual tax-free gift allowance. This means you can’t gift your child £3,000 plus an additional £250, asyou
20 HIGHEST PAYING DEGREES IN THE UK (2021) 20. Agriculture. 45. 1,735. 3%. With 19% of graduates going on to earn over £39,000, engineering and technology is a core subject area that produces high earners, along with combined courses with 18%. Combined courses are when a student studies parts of two degrees in parallel, bringing a mix of skill sets to the table that makes your self MONTHLY INTEREST SAVINGS ACCOUNT » EXPLAINED [2021 Monthly interest savings accounts are simply a type of savings account that pays interest monthly. You may have also heard of monthly income bonds, but although they sound similar to monthly interest savings accounts, they are different. Monthly income bonds are provided by National Savings & Investments (NS&I), which is backed by theTreasury.
AVERAGE SAVINGS BY AGE IN THE UK (2021) Looking at the middle 66% of people we surveyed, we can see a disparity between male and female savers: Women’s overall average savings: £6,869.84. Men’s overall average savings: £13,140.61. Although men appear to have more saved overall than women, our survey revealed that less than a quarter of men have £1,000 or less insavings, but
ABOUT KEVIN MOUNTFORD Kevin Mountford. Raisin UK Co-Founder. Kevin Mountford is an experienced financial services professional, possessing experience in the finance sector spanning five decades, including 19 years of senior management experience. In addition to promoting the success of Raisin UK, Kevin’s experience rooted insights mean that he iswell-positioned
WISH SAVINGS ACCOUNTS COULD BE SIMPLE? Lock in your deposit and earn a fixed interest rate up to 1.00% AER. Variable interest up to 0.50% AER, with access to your funds after a notice period. Variable interest and top-up and withdraw whenever you want. Give your savings a boost with our daily giveaway for both new and existing customers. RAISIN ONLINE BANKING SYSTEM & LOGIN If you have any questions, our Customer Services Team is here to help. 0161 6010000 (Monday to Friday 8.30 am – 4.30 pm excl. Bank Holidays) Calls will be charged at local rates from most UK phones. service@raisin.co.uk. We aim to respond within three business days.ETHICAL BANKING
Ethical banking means a financial institution is trying to make a positive impact on society. You might prefer to select your bank based on whether it aligns with your beliefs. More people are choosing to bank ethically because it encourages transparency and helps build strong communities. Current section. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
GIFTING MONEY TO CHILDREN EXPLAINED (2021) This roll-over does mean that you are able to give your children up to £6,000 in one year. You’re allowed to gift smaller sums of money, up to £250 a year, to as many people as you want. However, you can’t combine this with your annual tax-free gift allowance. This means you can’t gift your child £3,000 plus an additional £250, asyou
20 HIGHEST PAYING DEGREES IN THE UK (2021) 20. Agriculture. 45. 1,735. 3%. With 19% of graduates going on to earn over £39,000, engineering and technology is a core subject area that produces high earners, along with combined courses with 18%. Combined courses are when a student studies parts of two degrees in parallel, bringing a mix of skill sets to the table that makes your self MONTHLY INTEREST SAVINGS ACCOUNT » EXPLAINED [2021 Monthly interest savings accounts are simply a type of savings account that pays interest monthly. You may have also heard of monthly income bonds, but although they sound similar to monthly interest savings accounts, they are different. Monthly income bonds are provided by National Savings & Investments (NS&I), which is backed by theTreasury.
AVERAGE SAVINGS BY AGE IN THE UK (2021) Looking at the middle 66% of people we surveyed, we can see a disparity between male and female savers: Women’s overall average savings: £6,869.84. Men’s overall average savings: £13,140.61. Although men appear to have more saved overall than women, our survey revealed that less than a quarter of men have £1,000 or less insavings, but
ABOUT KEVIN MOUNTFORD Kevin Mountford. Raisin UK Co-Founder. Kevin Mountford is an experienced financial services professional, possessing experience in the finance sector spanning five decades, including 19 years of senior management experience. In addition to promoting the success of Raisin UK, Kevin’s experience rooted insights mean that he iswell-positioned
LUMP SUM SAVINGS ACCOUNTS All savings accounts at raisin.co.uk are deposit protected and free to open online. Lump sum savings accounts include the following benefits: Competitive interest rates. Choice of fixed or variable and open or fixed terms. Quick and easy to set up and manage. Open with a single deposit. Fixed Rate Bonds. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an CONTACT US | RAISIN UK The Raisin UK Account is the online banking service that enables you to take advantage of what we offer at Raisin. It makes it easier to transfer money from your bank or building society account into savings accounts offered by each of our partner banks, streamlining the account application and funding process and saving you the hassle of sending your money to multiple banks. HOLIDAY SAVINGS ACCOUNTS You’ll find different types of savings accounts on our marketplace that could help when you’re saving for a holiday, including fixed rate bonds and notice accounts. For more savings tips, see our guide to saving for a holiday. Fixed rate bonds allow you to lock away a lump sum for a set amount of time, usually between six months and five years.One of the benefits of fixed rate bonds isHOW RAISIN UK WORKS
This diagram shows the journey of your money from your bank or building society account to a savings account. This process is automated, so you only need to transfer your money between your Raisin UK Account and your nominated account. 6 MONTH FIXED RATE BONDS Like other fixed rate savings accounts, 6 month bonds can only be opened with a minimum and maximum deposit. This opening deposit amount is usually between £500 and £1,000. The maximum deposit amount can be as much as £1,000,000 or £2,000,000, but at Raisin UK the maximum deposit amount is fixed at £85,000 per person, per banking group. ISA OR SAVINGS ACCOUNT? » BEST OPTIONS EXPLAINED The main difference between ISAs and savings accounts in tax is that ISAs offer tax-free interest payments. You won’t be taxed on savings you have in an ISA up to £20,000 per tax year. With a savings account, you can earn interest of up to £1,000 tax-free if you’re a basic rate taxpayer, or up to £500 tax-free if you’re a higher rate AVERAGE SAVINGS BY AGE IN THE UK (2021) Almost 1 in 5 of those aged 55 or over have less than £1,000 in savings, and although the average savings of this age group is £20,028.60, this amount is less than the average salary of a full-time employee in the UK (£28,677 according to the most recent Government data).. Of course, this data doesn’t take into account other assets that may contribute to a persons retirement income, but WHAT IS AER AND HOW DOES IT WORK? The rundown. AER stands for Annual Equivalent Rate, and it’s a type of interest rate for savings accounts. AER is calculated based on the interest, bonuses and charges on your savings account across a 12 month period. If your AER is variable, the amount of interest you’ll earn will change, either going up or down. Current section. ISLAMIC BANKING IN THE UK EXPLAINED Islamic banking is becoming increasingly common in the UK as the financial service industry aims to meet the needs of more savers. On this page, you’ll find out more about what Islamic banking is, what to consider when opening an Islamic savings account and how Islamic-compliant savings accounts work. WISH SAVINGS ACCOUNTS COULD BE SIMPLE? Lock in your deposit and earn a fixed interest rate up to 1.00% AER. Variable interest up to 0.50% AER, with access to your funds after a notice period. Variable interest and top-up and withdraw whenever you want. Give your savings a boost with our daily giveaway for both new and existing customers. RAISIN ONLINE BANKING SYSTEM & LOGIN If you have any questions, our Customer Services Team is here to help. 0161 6010000 (Monday to Friday 8.30 am – 4.30 pm excl. Bank Holidays) Calls will be charged at local rates from most UK phones. service@raisin.co.uk. We aim to respond within three business days. LUMP SUM SAVINGS ACCOUNTS All savings accounts at raisin.co.uk are deposit protected and free to open online. Lump sum savings accounts include the following benefits: Competitive interest rates. Choice of fixed or variable and open or fixed terms. Quick and easy to set up and manage. Open with a single deposit. Fixed Rate Bonds.ETHICAL BANKING
Ethical banking means a financial institution is trying to make a positive impact on society. You might prefer to select your bank based on whether it aligns with your beliefs. More people are choosing to bank ethically because it encourages transparency and helps build strong communities. Current section. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an 20 HIGHEST PAYING DEGREES IN THE UK (2021) 20. Agriculture. 45. 1,735. 3%. With 19% of graduates going on to earn over £39,000, engineering and technology is a core subject area that produces high earners, along with combined courses with 18%. Combined courses are when a student studies parts of two degrees in parallel, bringing a mix of skill sets to the table that makes your self DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
HOW TO START A PENSION The benefits of opening savings accounts include the following: The flexibility to access your money. Competitive interest rates, with higher interest rates on long-term savings accounts. Quick and easy set-up and management. Earn £1,000 in interest tax-free per year if you’re a basic rate taxpayer. MONTHLY INTEREST SAVINGS ACCOUNT » EXPLAINED [2021 Monthly interest savings accounts are simply a type of savings account that pays interest monthly. You may have also heard of monthly income bonds, but although they sound similar to monthly interest savings accounts, they are different. Monthly income bonds are provided by National Savings & Investments (NS&I), which is backed by theTreasury.
GIFTING MONEY TO CHILDREN EXPLAINED (2021) This roll-over does mean that you are able to give your children up to £6,000 in one year. You’re allowed to gift smaller sums of money, up to £250 a year, to as many people as you want. However, you can’t combine this with your annual tax-free gift allowance. This means you can’t gift your child £3,000 plus an additional £250, asyou
WISH SAVINGS ACCOUNTS COULD BE SIMPLE? Lock in your deposit and earn a fixed interest rate up to 1.00% AER. Variable interest up to 0.50% AER, with access to your funds after a notice period. Variable interest and top-up and withdraw whenever you want. Give your savings a boost with our daily giveaway for both new and existing customers. RAISIN ONLINE BANKING SYSTEM & LOGIN If you have any questions, our Customer Services Team is here to help. 0161 6010000 (Monday to Friday 8.30 am – 4.30 pm excl. Bank Holidays) Calls will be charged at local rates from most UK phones. service@raisin.co.uk. We aim to respond within three business days. LUMP SUM SAVINGS ACCOUNTS All savings accounts at raisin.co.uk are deposit protected and free to open online. Lump sum savings accounts include the following benefits: Competitive interest rates. Choice of fixed or variable and open or fixed terms. Quick and easy to set up and manage. Open with a single deposit. Fixed Rate Bonds.ETHICAL BANKING
Ethical banking means a financial institution is trying to make a positive impact on society. You might prefer to select your bank based on whether it aligns with your beliefs. More people are choosing to bank ethically because it encourages transparency and helps build strong communities. Current section. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an 20 HIGHEST PAYING DEGREES IN THE UK (2021) 20. Agriculture. 45. 1,735. 3%. With 19% of graduates going on to earn over £39,000, engineering and technology is a core subject area that produces high earners, along with combined courses with 18%. Combined courses are when a student studies parts of two degrees in parallel, bringing a mix of skill sets to the table that makes your self DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
LUMP SUM SAVINGS ACCOUNTS All savings accounts at raisin.co.uk are deposit protected and free to open online. Lump sum savings accounts include the following benefits: Competitive interest rates. Choice of fixed or variable and open or fixed terms. Quick and easy to set up and manage. Open with a single deposit. Fixed Rate Bonds. FIXED RATE SAVINGS ACCOUNTS UP TO 1.10% AER At Raisin UK, the fixed rate savings accounts in our marketplace are free to open. The highest interest rate for a fixed rate savings account on our marketplace is currently 1.00% AER. Register for a free Raisin UK Account to apply for savings accounts from our partner banks in three steps: Log in to your Raisin CONTACT US | RAISIN UK The Raisin UK Account is the online banking service that enables you to take advantage of what we offer at Raisin. It makes it easier to transfer money from your bank or building society account into savings accounts offered by each of our partner banks, streamlining the account application and funding process and saving you the hassle of sending your money to multiple banks. UNIVERSAL CREDIT EXPLAINED 2021 Initially outlined as a concept back in 2009, the implementation of Universal Credit was a major benefits overhaul from 2012, bringing six different benefit payments together under one title. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as anHOW RAISIN UK WORKS
This diagram shows the journey of your money from your bank or building society account to a savings account. This process is automated, so you only need to transfer your money between your Raisin UK Account and your nominated account. HOLIDAY SAVINGS ACCOUNTS You’ll find different types of savings accounts on our marketplace that could help when you’re saving for a holiday, including fixed rate bonds and notice accounts. For more savings tips, see our guide to saving for a holiday. Fixed rate bonds allow you to lock away a lump sum for a set amount of time, usually between six months and five years.One of the benefits of fixed rate bonds is HOW TO START A PENSION The benefits of opening savings accounts include the following: The flexibility to access your money. Competitive interest rates, with higher interest rates on long-term savings accounts. Quick and easy set-up and management. Earn £1,000 in interest tax-free per year if you’re a basic rate taxpayer. ISLAMIC BANKING IN THE UK EXPLAINED Islamic banking is becoming increasingly common in the UK as the financial service industry aims to meet the needs of more savers. On this page, you’ll find out more about what Islamic banking is, what to consider when opening an Islamic savings account and how Islamic-compliant savings accounts work. WHAT ARE 95% MORTGAGES? In 2007, there were more than 800 different 95% mortgages available for first-time buyers. This provision stopped following the financial crisis of 2008, making 5% deposit mortgages relatively scarce until 2012, when lenders started reintroducing them WISH SAVINGS ACCOUNTS COULD BE SIMPLE? Lock in your deposit and earn a fixed interest rate up to 1.00% AER. Variable interest up to 0.50% AER, with access to your funds after a notice period. Variable interest and top-up and withdraw whenever you want. Give your savings a boost with our daily giveaway for both new and existing customers. RAISIN ONLINE BANKING SYSTEM & LOGIN If you have any questions, our Customer Services Team is here to help. 0161 6010000 (Monday to Friday 8.30 am – 4.30 pm excl. Bank Holidays) Calls will be charged at local rates from most UK phones. service@raisin.co.uk. We aim to respond within three business days. CONTACT US | RAISIN UKHIGH INTEREST SAVINGS ACCOUNT UKRAISIN BANK UKRAISIN SAVINGSRAISIN FINTECHRAISIN GMBH The Raisin UK Account is the online banking service that enables you to take advantage of what we offer at Raisin. It makes it easier to transfer money from your bank or building society account into savings accounts offered by each of our partner banks, streamlining the account application and funding process and saving you the hassle of sending your money to multiple banks. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an FIXED RATE BONDS: COMPARE FIXED RATE SAVINGS Fixed rate bonds have minimum and maximum deposit amounts, usually between £500 and £1,000 for a minimum deposit and as much as £2,000,000 for a maximum deposit. At Raisin UK we want to keep your savings safe, so the maximum amount you can deposit is £85,000 per person, per banking group, so that the FSCS or applicable depositprotection
HOW TO START A PENSION The benefits of opening savings accounts include the following: The flexibility to access your money. Competitive interest rates, with higher interest rates on long-term savings accounts. Quick and easy set-up and management. Earn £1,000 in interest tax-free per year if you’re a basic rate taxpayer. DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
MONTHLY INTEREST SAVINGS ACCOUNT » EXPLAINED [2021 Monthly interest savings accounts are simply a type of savings account that pays interest monthly. You may have also heard of monthly income bonds, but although they sound similar to monthly interest savings accounts, they are different. Monthly income bonds are provided by National Savings & Investments (NS&I), which is backed by theTreasury.
GIFTING MONEY TO CHILDREN EXPLAINED (2021) This roll-over does mean that you are able to give your children up to £6,000 in one year. You’re allowed to gift smaller sums of money, up to £250 a year, to as many people as you want. However, you can’t combine this with your annual tax-free gift allowance. This means you can’t gift your child £3,000 plus an additional £250, asyou
GIFTING MONEY IN THE UK EXPLAINED The rundown. Gift tax is a type of government tax paid by someone who gives away something worth over £3,000, such as money or property. Gift tax prevents UK citizens from avoiding inheritance tax by giving away their money or possessions before they die. Every UK citizen is entitled to an annual gift allowance of up to £3,000. WISH SAVINGS ACCOUNTS COULD BE SIMPLE? Lock in your deposit and earn a fixed interest rate up to 1.00% AER. Variable interest up to 0.50% AER, with access to your funds after a notice period. Variable interest and top-up and withdraw whenever you want. Give your savings a boost with our daily giveaway for both new and existing customers. RAISIN ONLINE BANKING SYSTEM & LOGIN If you have any questions, our Customer Services Team is here to help. 0161 6010000 (Monday to Friday 8.30 am – 4.30 pm excl. Bank Holidays) Calls will be charged at local rates from most UK phones. service@raisin.co.uk. We aim to respond within three business days. CONTACT US | RAISIN UKHIGH INTEREST SAVINGS ACCOUNT UKRAISIN BANK UKRAISIN SAVINGSRAISIN FINTECHRAISIN GMBH The Raisin UK Account is the online banking service that enables you to take advantage of what we offer at Raisin. It makes it easier to transfer money from your bank or building society account into savings accounts offered by each of our partner banks, streamlining the account application and funding process and saving you the hassle of sending your money to multiple banks. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as an FIXED RATE BONDS: COMPARE FIXED RATE SAVINGS Fixed rate bonds have minimum and maximum deposit amounts, usually between £500 and £1,000 for a minimum deposit and as much as £2,000,000 for a maximum deposit. At Raisin UK we want to keep your savings safe, so the maximum amount you can deposit is £85,000 per person, per banking group, so that the FSCS or applicable depositprotection
HOW TO START A PENSION The benefits of opening savings accounts include the following: The flexibility to access your money. Competitive interest rates, with higher interest rates on long-term savings accounts. Quick and easy set-up and management. Earn £1,000 in interest tax-free per year if you’re a basic rate taxpayer. DIVIDEND TAX 2021/22 EXPLAINED The dividend allowance in the UK for the 2020/21 tax year (6th April 2020 to 5th April 2021) is £2,000. This allowance is in addition to your personal allowance of £12,500. That means you can earn a total of £14,500 in tax-free allowances; £12,500 from your personalallowance and
MONTHLY INTEREST SAVINGS ACCOUNT » EXPLAINED [2021 Monthly interest savings accounts are simply a type of savings account that pays interest monthly. You may have also heard of monthly income bonds, but although they sound similar to monthly interest savings accounts, they are different. Monthly income bonds are provided by National Savings & Investments (NS&I), which is backed by theTreasury.
GIFTING MONEY TO CHILDREN EXPLAINED (2021) This roll-over does mean that you are able to give your children up to £6,000 in one year. You’re allowed to gift smaller sums of money, up to £250 a year, to as many people as you want. However, you can’t combine this with your annual tax-free gift allowance. This means you can’t gift your child £3,000 plus an additional £250, asyou
GIFTING MONEY IN THE UK EXPLAINED The rundown. Gift tax is a type of government tax paid by someone who gives away something worth over £3,000, such as money or property. Gift tax prevents UK citizens from avoiding inheritance tax by giving away their money or possessions before they die. Every UK citizen is entitled to an annual gift allowance of up to £3,000. LUMP SUM SAVINGS ACCOUNTS All savings accounts at raisin.co.uk are deposit protected and free to open online. Lump sum savings accounts include the following benefits: Competitive interest rates. Choice of fixed or variable and open or fixed terms. Quick and easy to set up and manage. Open with a single deposit. Fixed Rate Bonds. ISAS: INDIVIDUAL SAVINGS ACCOUNTS EXPLAINED An ISA savings account is a tax-free savings or investment account. You can save up to a maximum of £20,000 per tax year (traditionally 6th April to 5th April), and you can choose from a few different types of ISA:. Cash ISA; Stocks and shares ISA; Innovative finance ISA; Lifetime ISA; You can open more than one type of ISA, but the most that you can save per tax year applies to you as anHOW RAISIN UK WORKS
This diagram shows the journey of your money from your bank or building society account to a savings account. This process is automated, so you only need to transfer your money between your Raisin UK Account and your nominated account. FIXED RATE SAVINGS ACCOUNTS UP TO 1.10% AER At Raisin UK, the fixed rate savings accounts in our marketplace are free to open. The highest interest rate for a fixed rate savings account on our marketplace is currently 1.00% AER. Register for a free Raisin UK Account to apply for savings accounts from our partner banks in three steps: Log in to your Raisin UP TO £50 SAVINGS ACCOUNT BONUS As a reward for registering for a Raisin UK Account and applying for, funding and opening your first savings account through our marketplace, you can claim a welcome bonus of up to £50. On 22nd March 2021, we updated our welcome bonus. For details of our old welcome bonus, please read the FAQs at the bottom of this page. WHAT ARE 95% MORTGAGES? In 2007, there were more than 800 different 95% mortgages available for first-time buyers. This provision stopped following the financial crisis of 2008, making 5% deposit mortgages relatively scarce until 2012, when lenders started reintroducing them WHAT IS AER AND HOW DOES IT WORK? The AER is sometimes confused with the gross rate. The gross interest rate, or gross rate, shows the actual or ‘effective’ annual rate of interest on a savings account over each year.Although the gross rate may sound similar to the AER, the gross rate reflects the contractual rate, meaning that it takes into account any contractual terms and conditions that could affect the rate of SHARIA BANKING IN THE UK EXPLAINED Sharia banking, also called Islamic banking, is banking that adheres to Islamic law. Some of the core principles include the following: Not charging interest to borrow money. Not paying interest on savings accounts. Not benefitting from restricted practices such as gambling, pornography, tobacco or alcohol. ISLAMIC BANKING IN THE UK EXPLAINED Islamic banking is becoming increasingly common in the UK as the financial service industry aims to meet the needs of more savers. On this page, you’ll find out more about what Islamic banking is, what to consider when opening an Islamic savings account and how Islamic-compliant savings accounts work. INCOME TAX EXPLAINED Income tax * is the tax you have to pay the government based on your yearly income. If you’re self-employed, you’ll pay taxes on any profit you make. This includes income from products and services that you sell online. Income tax is the government’s main source of revenue and is collected by HM Revenue & Customs (HMRC) on theirbehalf.
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LIFT OFF YOUR SAVINGS IN 3,2,1... We want to get Britain saving, so we’re changing the game when it comes to savings accounts. One seamless sign-up to gain access to competitive interest rates and exclusive savings accounts on our free, easy-to-use marketplace. We’re also giving away £100 EVERY DAY until the end of June. That’s right, every day. Every registration, account funding, and renewal gives you a chance to win. Find out more›
Fixed rate bonds
Lock in your deposit and earn a fixed interest rate UP TO 1.10% AER. View fixed rate bonds __Notice accounts
Variable interest UP TO 0.35% AER, with access to your funds after anotice period.
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Variable interest and top-up and withdraw whenever you want. View easy access accounts __ £100 Daily Giveaway 🚀 Give your savings a boost with our daily giveaway for both new and existing customers….Learn more __
Lift off your savings in 3,2,1... View all savings accounts WELCOME TO RAISIN UK WE KNOW THAT TRYING TO FIND THE BEST RATES FOR YOUR SAVINGS CAN FEEL LIKE A HASSLE. WITH EVER-DECREASING HIGH-STREET BANK INTEREST RATES, AND THE INCONVENIENCE OF FILLING IN YET ANOTHER FORM WHEN YOU DO WANT TO SWITCH ACCOUNTS, IT CAN FEEL LIKE IT’S JUST NOT WORTH IT TO MOVEYOUR MONEY AROUND.
But it is worth it, and it doesn’t have to be hard work. Just like your energy or broadband provider, it often doesn’t pay to stay with the same bank year after year. So we’ve made the whole process of growing your savings simple. Once you’ve registered with us, you’ll gain access to our full range of savings accounts from our partner banks. We work with challenger and specialist banks that you may not have heard of, because we know they can usually offer you better rates than high-street banks. You can apply to open as many accounts as you like, and you don’t need to fill out a new application form each time – that’s all taken care of when you register. Pick and mix from a range of savings accounts and terms to ensure your money is working for you exactly the way you want it to, then all you need to do is sit back and watch your moneygrow.
Register for free
WHY CHOOSE RAISIN UK?SAFE
Your money is secure at every step. We’re authorised and regulated by the FCA, and we only work with banks that are protected by the FSCS or the European equivalentCOMPETITIVE
Saving with specialist and challenger banks often gives you access to better rates than you’ll find on the high street, which means your money grows quicker*STRAIGHTFORWARD
Say goodbye to application forms, endless logins and hidden fees. Our easy, free-to-use service helps you make your savings work harder.Simple
Get started
SEE WHAT OUR CUSTOMERS SAY ABOUT US ON TRUSTPILOT Great based on 1,041reviews
Very Good Service!
I can really recommend Raisin! I was able to open a deposit without any real hassle. One point, it should be clearer on the registration page that you have to be really careful as to exactly how you enter your data. Even just a hyphen missing in a name can cause the application to fail! However, after three attempts, NO problem! Very friendly customer services team, by the way! Jean Show more Show less __Jean
Raisin uk
Raisin Uk from my experience are great , I phoned them to clarify something and I phoned to make sure they got my email because my phone had been failing to send mail and they were extremely helpful and friendly, 100% for customer service from my experience. Show more Show less __Sue Pasternak
Great New Service
Ive been a customer of Raisin since it launched in the UK. Although the business has recently gone through some changes I've been regularly updated and now able to open a very competitive 9 monthfixed product.
Show more Show less __Kevin
Very easy process to invest via the… Very easy process to invest via the Raisin platform. Bonus come through on time. Communication was good throughout. Show more Show less __Thomas Ballard
Very Good Service!
I can really recommend Raisin! I was able to open a deposit without any real hassle. One point, it should be clearer on the registration page that you have to be really careful as to exactly how you enter your data. Even just a hyphen missing in a name can cause the application to fail! However, after three attempts, NO problem! Very friendly customer services team, by the way! Jean Show more Show less __Jean
Raisin uk
Raisin Uk from my experience are great , I phoned them to clarify something and I phoned to make sure they got my email because my phone had been failing to send mail and they were extremely helpful and friendly, 100% for customer service from my experience. Show more Show less __Sue Pasternak
Great New Service
Ive been a customer of Raisin since it launched in the UK. Although the business has recently gone through some changes I've been regularly updated and now able to open a very competitive 9 monthfixed product.
Show more Show less __Kevin
Very easy process to invest via the… Very easy process to invest via the Raisin platform. Bonus come through on time. Communication was good throughout. Show more Show less __Thomas Ballard
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*Based on a comparison of Raisin UK partner bank rates and high streetbank rates
between 31 Dec 2019 – 31 Dec 2020Follow us
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© 2021 Raisin UK
All interest rates displayed are Annual Equivalent Rates (AER), unless otherwise explicitly indicated. The AER illustrates what the interest rate would be if interest was paid and compounded once a year. This allows individuals to compare more easily what return they can expect from their savings over time. Raisin UK is a trading name of Raisin Platforms Limited which is authorised and regulated by the Financial Conduct Authority (FRN: 813894). Raisin Platforms Limited is registered in England and Wales, No 11075085. Registered office: c/o Withers LLP, Third Floor, 20 Old Bailey, London, United Kingdom, EC4M 7AN. The information on this website does not constitute financial advice, always do your own research to ensure it’s right for your specific circumstances. Tax treatment depends on the individual circumstances of each customer and may be subject to change in the future.Click here
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