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Originally Posted by metalguru

I said a nice savings account, one with higher interest. Which is normally based on your credit score. So not open to all. Maybe I wasn't clear.

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Your clarity over the savings account interest rate is not relevant. It is still a savings account, there is no credit risk to the lending institution no matter what the interest rate is. So as I say, I was puzzled why you think some people cannot get a savings account. Banks like to hold savings as it increases their capacity to lend and make money.