LONDON, ENGLAND, November 11, 2010 (Press-News.org) M&S Money is offering new Fixed Rate Savings options for up to three years at 3.50%. The fixed rates are available within or outside of an ISA*.
One year on from the increase in ISA limits for savers aged 50 plus, many savers may have one year fixed rate accounts that are coming to maturity now.
The guaranteed interest rates are available over 1, 2 and 3 years at up to 3.50% AER/gross**. This is a strictly limited offer and replaces the previous issue.
1 year term - 3.00% AER/gross**, 2.40% net
2 year term - 3.20% AER/gross**, 2.56% net
3 year term - 3.50% AER/gross**, 2.80% net
Customers can choose between fixed and variable rate options within the M&S ISA, or split their annual allowance between the two, using one simple application form.
The M&S Flexi Cash ISA option offers a variable rate of 2.65% AER/tax-free**. This includes a bonus rate of 1.25% for 18 months from initial deposit.
- Minimum deposit GBP100
- From GBP25 a month by direct debit
- Transfers from other Cash ISA providers accepted
- Withdrawals without penalty, although once the maximum Cash ISA allowance of GBP5,100 for this tax year is reached, any withdrawals cannot be replaced
Customers can apply for M&S Fixed Rate Savings online at www.marksandspencer.com/fixedratesavings.
About M&S Money:
M&S Money (the trading name of Marks & Spencer Financial Services) was founded in 1985 as the financial services division of Marks and Spencer Group plc, making 2010 the company's 25th anniversary.
The company is a top-ten credit card provider and the second-largest travel money retailer in the UK. M&S Money also offers a range of insurance cover, including home insurance, car insurance and pet insurance, as well as loans, savings and investment products.
Notes to Editors:
*Outside an ISA - minimum deposit GBP500, maximum GBP1 million.
**AER is the Annual Equivalent Rate and illustrates what the rate of interest would be if interest is paid and compounded once a year. Gross means the rate of interest before the deduction of tax applicable to interest on savings. Tax-free means the rate of interest where interest is exempt from income tax. Net means the rate of interest after the deduction of tax applicable to interest on savings. For illustrative purposes only this is based on the basic rate of tax, currently 20%. Interest added annually.
Website: http://money.marksandspencer.com/
M&S Money Announces New Fixed Rate Savings of Up to Three Years at 3.5%
M&S Money has announced new Fixed Rate Savings options of up to three years at 3.50%.
2010-11-11
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[Press-News.org] M&S Money Announces New Fixed Rate Savings of Up to Three Years at 3.5%M&S Money has announced new Fixed Rate Savings options of up to three years at 3.50%.