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Negotiate savings rate?

justforgroups · 2012-01-03 16:12:31

Hi, My fixed term a/c is about to mature and I got a call from the bank to "discuss options". Has anyone tried (or is it possible) to negotiate on rates? Say a 1-year fixed term is 4% - could you try to get 4.1% for example if you agree to leave your money with them? Thanks!

03-01-2012 5:12pm

#1

justforgroups

Registered Users Posts: 153 ✭✭

Join Date: July 2008

Posts: 111

Hi,
My fixed term a/c is about to mature and I got a call from the bank to "discuss options". Has anyone tried (or is it possible) to negotiate on rates? Say a 1-year fixed term is 4% - could you try to get 4.1% for example if you agree to leave your money with them?

Thanks!

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Comments

#2 03-01-2012 5:59pm

checkcheek

Registered Users, Registered Users 2 Posts: 223 ✭✭

Join Date: June 2011

Posts: 201

its worth tryin, the banks want as much money as they can get, so depends how much they need yours, but i depends on how big a sum u have aswel id say, but tis worth tryin

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#3 03-01-2012 6:14pm

homer911

Registered Users, Registered Users 2 Posts: 5,141 ✭✭✭

Join Date: September 2007

Posts: 4748

I remember doing this back in the early 90's when interest rates went through the roof for a while - it probably will depend on how much you are talking about.

The rules have changed quite a bit since the 90's - with current AML legislation banks know that deposits are fairly sticky - so tell them you have an account already in bank x where you can get a rate of y - thats the only way it would work..

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