Does anyone else still has an old YBS regular saver going at £10 per month?
If you have spare cash you don't want to risk via investments, and don't want to tie up in a fixed rate account for higher interest, then don't forget that this account still has a 3.5% bonus - which is a bottom line on the annual interest as other accounts head towards 0%.
You can change the monthly payments up to £500 pm - and back down to £10 when you want to stop.
If interest rates turn upwards again, or you need the cash, there is one annual withdrawal allowed without losing the 3.5% bonus. Heads you win, tails you don't lose.
The current rate from 1 February is 3.75% ie 0.25% + the 3.5% bonus.
This equals the best current one year bond from a BS - Coventry 3.75% - which was put on the market before the last 0.5% BofE rate cut and won't be around for long.