He was persuing me to change over to another account. Sent me out brochures. Perhaps he is on commission. The pending change to 2.75% won't be on the website, as he said rate not changing til next month. UB do offer higher rates, such as 4% on the current regular saver on balances up to 15K, then 1% on entire balance. But this a/c (closed to new customers) is paying 3% (and 2.75% come Feb if he is correct) on balances up to 100K. So youre better staying with it. You could always open a 4% a/c as well, of course. Shows how important it is to educate yourself on what savings products are out there, and not be taken in by someone on the phone.