Re the bonus interest rate on savings. I've lost a lot money because I didn't opt in earlier. Why the need to opt into a bonus rate, the company should just raise the underlying rate... and then if necessary reduce it back down in the future. It's sharp practice. Yes, you send emails but many people do not pay too much attention to them once their money is in the account. You rely on this to save money! People expect to be getting the best rate possible without the need to opt in to anything. Why the need to do this!! Really annoyed.
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