i recently set up another PremRegSav, and sits alongside M&S and Nationwide, all at 5%.
but i agree with you..2.75% isn't worth doing, and assuming M&S have dropped their rate by the time comes, i don't see myself renewing any of them.
from the days of 24 Credit Cards, and all sorts of Current and Savings accounts, i'm not, like many others, active as a stoozer nowadays. i was looking for cashback/points/interest in whatever way was best to 'game the system', but i've lost a lot of enthusiasm now.
i think i'm on the path to ending my stoozing days.. i spend on Amex and Barclaycard for cashback, i have a BT balance on my Barclaycard, and I have an MBNA card with a big limit to which i could BT my Barclaycard balance early next year, and a Nationwide back up. but i'm thinking of just clearing the balance of the Barclaycard when the 0% deal comes to an end and just using credit cards for spending, to generate some cashback and provide the protections.
i continue with a 10 c/a Round Robin at the moment, but it's hardly worthwhile with rates/rewards/limits cut, and apparently to be cut further, ref Halifax Rewards thread, for example. i don't see my downside in simplifying: might cut right back to 2 Spending Cards, Amex and Barclaycard, and 2 Personal Current Accounts, HSBC and Lloyds.
i'm still a member of almost all UK building societies, and i'm invested in an ISA, 4 Pensions and an RSP, and i have enough to occupy me with family/business.
anyone seeing any opportunity that i'm not seeing?