How to get more out of your bank than the savings rate

Why settle for an Isa when, if you're willing to take some risk and do a bit of legwork, you could get higher yields from your bank? Riccardo Marzi investigates.

Why settle for an Isa when, for a tad more risk and legwork, you could get higher yields from your bank? Riccardo Marzi investigates.

What kind of rate are you getting on your savings account right now? 1%? Maybe 2%? What if I told you that while the banks pay this paltry return on your deposit, they are paying more to investors in other debt instruments sometimes more than 10% a year?

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DepositsLoans to customers
Interbank loansMortgages to customers
Tier 2 capital (upper and lower)Interbank loans
Tier 1 capitalRow 3 - Cell 1
Equity capital (part of the tier 1 capital)Row 4 - Cell 1
Swipe to scroll horizontally
XS0110537429Barclays7.5015/12/20109313.6%€1,000
XS0107228024Lloyds7.8307/02/20157714.1%£1,000
XS0284776274Nationwide6.0206/02/20136421.3%£50,000
XS0205937336Barclays4.8815/12/20146216%€10,000
XS0353590366HBOS9.5419/03/20186517.6%£50,000
XS0193721544RBS6.0008/09/20147014.5%£1,000
Price sources: Killik, Bloomberg, Collins Stewart