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Old 17 Jan 20, 08:47 PM  
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#11
Orlando 2004
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Originally Posted by pinkbelle View Post
Our mortgage is also with them so the cash back on that exceeded the monthly fee.
We took out most of our savings when the interest rate dropped, placed some of it in premium bonds which has been doing very nicely.
We also put money in premium bonds when we closed the other 123 accounts. They do quite well so I suppose we could always add to them. Just need to decide whether it's worth keeping the account at all. We don't earn much cashback so not sure it would be worth having the lite account but not sure I really want to leave. We used to have our mortgage with them through Alliance and Leicester but paid that off last year.
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Old 17 Jan 20, 11:34 PM  
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Originally Posted by Orlando 2004 View Post
We've gone from having 3 accounts when it paid 3% to 1 now. Not sure what we'll do now.

Same here.
Went from three to one.

Now none.
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Old 17 Jan 20, 11:48 PM  
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We have 2 and split our bills across so the cash back pays the fees but at 1% interest we’ll definitely close one. It’s a shame as we have had several accounts with them but gradually moving everything away.
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Old 18 Jan 20, 12:00 AM  
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Bessie
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we have 3 123 accounts & the interest more than covers the account fee of £5 on each, so I think we'll just keep the accounts running for the time being
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Old 18 Jan 20, 12:45 AM  
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I have been using for a while and more than breaking even, but have been shifting my current type spending over to Starling. Much happier there.

But will be spending some.time at the weekend looking at what Martin recommends.

It's a faff as I like to pay by standing order rather than DD so it's more of a pain to change accounts.

Lite might be an option.
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