Finance Choices
Halifax Web Saver
Web Saver is now an award winning account! Moneyfacts, the UK's leading financial website, has awarded the Halifax "Best Internet only Account Provider". Now you have even more reason to open a Web Saver online now!
The Halifax Web Saver offers you a rate of as much as 4.90% AER/gross per annum. You can easily manage your accounts via the online control panel and pay bills, setup direct debits and standing orders.
You can also spread your money between fixed rate and variable rate options to suit your circumstances, something very few saving account providers offer.
Summary
The registration process is straightforward and easily completed. When finished, you can then log into your account(s). All accounts held with the Halifax are clearly listed on the screen, stating their current balance. To get started, simply click the link below:
Apply for your Halifax Web Saver now
The Halifax Web Saver offers you a rate of as much as 4.90% AER/gross per annum. You can easily manage your accounts via the online control panel and pay bills, setup direct debits and standing orders.
You can also spread your money between fixed rate and variable rate options to suit your circumstances, something very few saving account providers offer.
Summary
- Rates of 4.90% AER/gross p.a. (if you invest £1 or more in a variable rate option without card), or 4.85% AER/Gross p.a. (if you invest £500 or more in a one year fixed term option)
- Through the online service, you can pay bills direct from your Halifax Web Saver and view your account online
- Stay in control of your savings over the Internet
- Spread your money between variable and fixed rate interest options to suit your needs
- Check your balance and, for variable options, transfer money to other Halifax accounts whenever you like
- Keep track of your savings by naming each Halifax Web Saver option as you wish
The registration process is straightforward and easily completed. When finished, you can then log into your account(s). All accounts held with the Halifax are clearly listed on the screen, stating their current balance. To get started, simply click the link below:
Apply for your Halifax Web Saver now
posted by Barbara Gordon at 11:55 AM
Halifax Web Saver
3 Comments:
The best thing about the Halifax web saver account is the high interest rate, which can be obtained by investing as little as £1. This compares very favourably with Halifax Premier Direct postal banking where you would have to invest a massive £250,000 to receive their highest rate of 3.75% gross. The new ING bank does offer a slightly higher interest rate, however, I chose the Halifax as we have held accounts with them for ages and branches are in every town.
Internet banking is definitely the future. The registration process is straightforward and easily completed. When finished, you can then log into your account(s). All accounts held with the Halifax are clearly listed on the screen, stating their current balance. Money can be easily transferred between accounts, for example if you can afford to invest some money into a fixed term savings account to earn higher interest rates, this is quickly done by an easy-read menu on the left of the screen. Standing orders and direct debits can be easily set up and viewed on screen.
You have complete control over your accounts without the hassle of queues! You can also have a cash card, but have to take lower interest if you choose this option.
The downside of online banking with Halifax and all the other banks, has to be security. This means that three security items have to be typed at log in. Halifax asks for a username and password, which have to be remembered, and preferably not written down! The third security item is one of approximately four questions, eg your mother/father's name, place of birth etc. This is obviously easier to remember, and compares favourably with other online banks where you may have telephone-number style passwords to remember, along with inputting numbers in order requested by them. Definitely more difficult!
The other security issue with Halifax, along with other major online banks, has been that some people have been spammed by fraudsters requesting banking details. However, the Halifax has been quick to ensure that customers are not taken in by this, and guarantee that no-one will lose out as long as they follow the guidelines.
I recommend Halifax online banking for it's high interest rates and ease of use. I wouldn't like to go back to the long queues of yesterday.
The websaver has many interesting features. Firstly you can give yourself different "pots" which you can name individually. This is basically like having several different accounts, but named which makes it more personal. How about "Bills Bread Budget" or "Pat's Pogo Pot"?? Se if you can come up with some better ideas!!
Another feature is that you can easily set up different length bonds. Bonds are basically savings which are put in for certain amounts of years and the Halifax offers 3 month, 6 month, 1 year, 2 year, 3 year, 4 year and 5 year bonds. The rates for the bonds are quite good too (See rates)
Lastly transfering money is very easy and you an also set up standing orders online. If you are transfering between two halifax accounts it is even easier and is done almost instantly.
The websaver is a great service, especially for children as it is easy to use, fast and reliable. There are no monthly charges and they have excellent rates of interest.
I would reccomend it highly to anyone with £10+ to save who wants easy online and highstreet access to your money.
Personally I am really pleased with Halifax-Online WebSaver, and I feel very safe after Halifax's efforts at proving their user's with top class security. It's a very fast and efficient way to save your payments, and keep them in a safe place separate from any of your other accounts.
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