Last Thursday (5/9/13) I went into my local Santander branch to decide what to do with a bond that had matured. I already knew I wanted it to go into another 2 year fixed rate bond, and this time the interest offered on that was 1.7%, while a 1 year one had 0.5%. The pushy employee started trying to convince me to take out a 123 account, but it has all these catches that would mean I was ineligible and would lose money, not earn any! Today (111/9/13) I came home to find the bond certificate had been delivered in the post. When I opened it I got the shock of my life, as my money had been put into a 1 year bond with only 0.5% interest! If they do not let me put it into a 2 year bond as this was their mistake I will be contacting the FSA and moving my money to another bank. TSB are much more friendly and they don't try to sell students accounts that obviously are no good for them.