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Yeah, so that's why something like 212 sounds good. It'll get some bonus rate for 12 months and then drop I presume, but by then I'll either be happy with it sitting there or I'll be taking the money out and move elsewhere/spend. Same deal as my bank account bonus saver thing but earning more interest and tax-free or whatever.
hippy
frank9755
The nice thing about PBs is they're usually close to competitive and you don't have to touch them. With things like a Cash ISA you're going to have to check in on it every year and possibly transfer the account when the interest rate drops to something shit like 0.5%. You said multiple times you don't pay any attention to this stuff so I'd check if there's a promotional interest rate term and if there is consider whether you're actually going to bother to move the money around to take advantage