Cracking the combination

Savings accounts

With the UK yield curve largely expected to remain flat, high interest-earning instant access savings account providers like ING Direct are increasingly losing their pricing advantage. But Royal Bank of Scotland International's unique new offering, which marries a structured product with an instant access account, could provide savers with an interesting alternative, observers note.

RBS launched the market's first combination (combi) saver account almost a year ago, marketed exclusively through

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