Personal finance

Best of the banks?

BARCLAYS, HSBC, Lloyds TSB and NatWest all offer below average customer service, according to the latest Which? Money current account survey.

They also continue to offer paltry amounts of interest on credit balances.

 


Select Type:
Card Rate Duration BT Fee Typical APR
Barclaycard Platinum 0% Until 01/01/2010 2.9% 14.9%
Capital One BT Platinum Card 0% Until 01/01/2010 3.0% 15.9%
Virgin Credit Card 0% 15 mths 2.98% 15.9%
Barclaycard OnePulse 0% Until 01/12/2009 2.5% 14.9%
Egg Card 0% Until 01/12/2009 3.0% 16.9%
Card Rate Duration Typical APR
Capital One BT Exclusive 0% Until 01/10/2009 14.9%
Capital One Platinum Exclusive 0% Until 01/08/2009 12.9%
Halifax One Online Special 0% 10 mths 15.9%
Bank of Scotland 0% 10 mths 15.9%
Capital One Platinum Mastercard 0% Until 01/07/2009 19.9%
Card Name Intro Duration BT Duration Typical APR
Capital One BT Exclusive Until 01/10/2009 Until 01/10/2009 14.9%
Capital One Platinum Exclusive Until 01/08/2009 Until 01/08/2009 12.9%
Halifax One Online Special 10 mths 10 mths 15.9%
Bank of Scotland 10 mths 10 mths 15.9%
Capital One BT Platinum Card Until 01/01/2009 Until 01/01/2010 15.9%
Card Cashback
American Express Platinum 5% Moneyback for 3 months, up to 1.5% thereafter
Card Rate Duration BT Fee Typical APR
Capital One Low Rate Card 8.5% Fixed until 01/08/2012 0.0% 8.5%
Card Rate Duration BT Fee Typical APR
Barclaycard Life of Balance 6.3% Life of Balance 2.5% 14.9%
Card Typical APR Interest Free Days BT Fee
Capital One Low Rate Card 8.5% 56 0.0%
Barclaycard Low Rate Special 8.8% 56 2.5%
Capital One Platinum Exclusive 12.9% 56 3.0%
Card Loyalty Rewards
Lloyds TSB Airmiles Duo Get up to 1 Airmile for every £10 spent.
Fees may apply
Select Type:
Card Typical APR Minimum Amount Maximun Amount
Platinum Loans 7.5% Lowest homeowner loan rate in the UK. For loans £10,000 - £100,000. Typical APR 11.4%
Barclays 7.9% Existing customers can get an immediate decision. Typical APR 7.9%
Moneyback Bank 8.4% Earn moneyback with payment protection. Typical APR 8.4%
Alliance & Leicester 8.7% Applying online takes 10 mins and you could have a decision within the hour. Typical APR 8.7%
Halifax (Semi-exclusive) 8.8% No repayments for first three months. Typical APR 8.8%
Bank of Scotland (Semi-exclusive) 8.8% Loans available from £7,000 to £13,000
No repayments for three months. Typical APR 8.8%
Card Typical APR Minimum Amount Maximun Amount
Platinum Loans 7.5% Lowest homeowner loan rate in the UK. For loans £10,000 - £100,000. Typical APR 11.4%
Ocean Finance 9.5% Loans for homeowners. Fixed for loan term available. Typical APR 14.9%
Norton Finance 9.9% Homeowner loan for any purpose. Typical APR 15.9%
Central Capital 10.6% All circumstances considered. Typical APR 14.9%
Card Typical APR Minimum Amount Maximun Amount
Norton Finance 12.1% Homeowner loan for any purpose. Typical APR 15.9%
Ocean Finance 13.9% Loans for homeowners. Fixed for loan term available. Typical APR 14.9%
FLM Loans 42.6% £500-£3,000. Will accept anyone with friend or family homeowner guarantor. Typical APR 42.6%
Everyday Loans Limited 59.6% A straightforward way to borrow money locally - as and when you need it. Typical APR 59.6%
Fees may apply
Compare Over 400 Loans
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Fees may apply
Select Type:
Provider Account AER* Minimum Investment
ICICI BANK HiSAVE Fixed Rate Account 7.20% £1000
ICICI BANK HiSAVE Fixed Rate Account 7.00% £1000
ICICI BANK HiSAVE Fixed Rate Account 7.00% £1000
ARRAY(0x2b73a0a8e910) 6 Month Fixed Rate Savings Account 6.60% £10000
Provider Account AER* Minimum Investment
ICICI BANK HiSAVE Savings Account 6.16% No
SAINSBURYS FINANCE Internet Saver 5.50% No
ING DIRECT Savings Account 6.50% No
CITIBANK Flexible Saver Issue 4 6.43% No
ABBEY Instant Access Saver (Special Issue 2) 6.30% No
EGG BANKING PLC Egg Savings Account (Internet) 6.30% No
ALLIANCE & LEICESTER eSaver 6.56% Yes
ABBEY eSaver Direct 6.50% Yes
Provider Account AER* Minimum Investment
ALLIANCE & LEICESTER Easy ISA 6.00% £1
Provider Account AER* Minimum Investment
WHITEAWAY LAIDLAW BANK LIMITED 90 Day Notice Account 6.26% £1000
Provider Account AER* Minimum Investment
KAUPTHING EDGE Kaupthing Edge - Sterling Savings Account 6.86% £1000
Fees may apply

Home grown fun in the sun

MORE families than ever are staying home for the school holidays to beat the credit crunch.

Martin Lewis: Mortgage advice

THERE'S a mortgage drought out there. It's more difficult than ever to get new mortgages - even if you can get a new deal they're not as cheap, and finding them has got tougher.

 

Ways to save on utility bills

DAVINA FIGGET from Southborough, Kent, works for the charity Age Concern. She is keen to cut her bills and asked us to help.

Update on pensions rules

MONEY expert Karen Campbell of Grant Thornton answers the question: "Is there any limit on the amount of pension contributions that can be made into a personal pension arrangement?

 

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