Savings advice

[fazersharp]

Although there is a £2 the Santander 123 account pays 3% if conditions are met.  It also gives cash bavk on certain bills paid from it.  then gives me cash back which more than covers the £2 charge.

Here are some of those conditions -you do not get 3%  here is the small print
1.00%  on your entire balance, once your balance is £1,000 or over.
2.00%  (variable) on your entire balance, once your balance is £2,000
3.00%  (variable) on your entire balance, once your balance is £3,000
(up to a maximum of £20,000).

So if you have less than £1000 in there then you get NO interest.

  Please whatever cockamamey schemes and swindles or "extras" they come up with DO NOT open an account that you have to pay for.
The banks want all accounts to be fee paying ones, ok you say its only £24 a year and I get other benefits, but I guarantee you that once fee paying accounts take over then the extras will be removed and the fees will go up.
By opening a fee paying account you are sleepwalking into opening your pocket and letting the banks take what they want.