Is it now time to consider fixing your savings rates?

FIXED-RATE savings accounts have been hugely popular in recent years but even longer-term rates expire at some point — and that's when savers need to take action.

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Two out of five savers have fixed rates that are maturing in the next 12 months, and experts are urging them to shop around to ensure that they're still getting the highest possible return on their money.

Large sums are at stake, with the average saver having £18,200 maturing, according to new research from Investec Save.