Fixed Rate Savings Account advice

Ah. Glad I pointed that out then! It’s the only downside to the Atom Savings account imo!

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If you are going to save try to find a way to have the savings rate higher than the rate of inflation otherwise your money will buy less and less each year. So the RateSetter mentioned as an IFISA will be above inflation BUT it is not a bank so not covered by £85,000 FCA guarantee. They have their own self insurance with a provision fund to cover some potential loses.