We want to move a chunk of savings from INBS - 50k, as the interest rate on the Advantage 30 has halved in the past weeks. If we don't give 30 days notice - seeing as interest is paid in December, does it make sense to move the money in early January? Like, would my penalty be less as there is less interest to penalise as we've got our interest for 2008, or have I got it wrong?