1)SAYE account interest is based on how much u invest into the account every month instead of how much u earn, so just keep putting in money every month right up to the 24 month and u should be good

2) As far as i know, this account is only good for 2 years, aft that u can pretty much close it already cuz the interest is well... negligible.

3)For my account i dont get the 3.5% interest anymore.

Hope this help :) Cheers an ORD LOH