Citizens Advice financial capability
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- Rolf Ball
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1 Activity: protecting your savings AIC 20-A N Provide the client(s) with a set of the savings product cards and the features cards, from the handouts. As usual, this can be done individually or in groups of varying size. Ask them to match each savings product card with the correct features card. Give out the Savings products handout to check the answers and answer any questions. Top tips Make sure when you cut out the features cards that you only cut out the boxes on the handout and don t include the name of the product. You should emphasise that some types of saving, such as rainy day or emergency money, should be kept very safe and be available instantly when they are needed. Other types can be planned in advance, like home improvements or holidays. These can be kept in notice or fixed term accounts where there will be less temptation to dip into the money early. Not every possible type of savings account is described here, only the simpler ones most suited to very short term saving. If you are asked about other types of accounts like ISAs or for detailed information on the products then you can point the learners towards the Citizens Advice website. If this was useful, why not try: Saving the best places to save Saving online saving tools
2 Matching game cards to copy and cut out Credit Union account Instant access savings account Notice account
3 Supermarket savings stamps Fixed term bond Current account
4 Usually pays a lower rate of interest which may change over time May come with a cash card Available from banks and building societies Often need to save a large amount to open this type of account May not allow withdrawal of savings prior to maturity May pay a bonus Doesn't pay interest. Pays a dividend once a year Can use your savings as security for a loan Savings are protected under the Financial Services Compensation Scheme (FSCS)
5 Have to tell the company in advance if you want to withdraw money and then wait a fixed time If you want your money straight away you will lose the interest payment or bonus May pay a bonus Savings are usually NOT protected in case the company goes bust If you lose the card with your stamps on it you may lose all of your savings Can only spend your savings in certain shops Can make payments out by direct debit and standing order Usually comes with a cash card and debit card Available from banks and building societies and some credit unions
6 Savings products Product Features Instant Access Savings Account Savings are protected by the Financial Services Compensation Scheme (FSCS), regulated by the Financial Conduct Authority (FCA). Usually pays a lower rate of interest which may change over time. Can withdraw money at any time but may be limited to small amounts. May come with a cash card. Available from banks and building societies. Can be opened with as little as 1. Savings are protected by the Financial Services Compensation Scheme (FSCS), regulated by the Financial Conduct Authority (FCA). Notice Account Usually pays a higher rate of interest which may change over time. Have to tell the company if you want to withdraw money and then wait a fixed time. If you want your money straight away you will lose the interest payment or bonus. May pay a bonus. Available from banks and building societies.
7 Product Features Savings are usually NOT protected in case the company goes bust. Supermarket savings stamps Savings are not regulated by the Financial Conduct Authority (FCA) so it may difficult to make complaints. Can save as much or as little as you like. If you lose the card with your stamps on it you may lose all of your savings. Can only spend your savings in certain shops. Often cannot spend your savings until December. Many bonds do not allow withdrawal of savings prior to maturity. May pay a bonus. Fixed term bond Usually pays a higher rate of interest which does not change over time. Savings are protected by the Financial Services Compensation Scheme (FSCS), regulated by the Financial Conduct Authority (FCA). Available from banks and building societies. Often need to save a large amount to open this type of account.
8 Product Features Savings are protected by the Financial Services Compensation Scheme (FSCS). Current account Usually pays a very low rate of interest which may change over time. Can make payments out by direct debit and standing order. Usually comes with a cash card and debit card. Available from banks and building societies and some credit unions. Credit Union account Doesn't pay interest. Pays a dividend once a year. Savers must have a 'common bond' with other people saving with the same company, for example living or working in the same area. Can use your savings as security for a loan. Savings are protected by the Financial Services Compensation Scheme (FSCS). Can withdraw money at any time but may be limited to small amounts. May be able to open several linked accounts for different purposes, for example a Christmas account and a holiday account, etc.
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