Banking, Saving & Investing
Offers on savings accounts, isas, current accounts and fixed term bonds change frequently and switching your bank account is easier than you might think. Start saving more money!
ING Direct Savings Account - 2.90% AER
New customers only. 2.90% AER variable on balances up to £250,000 plus resulting interest. Includes a 2.36% gross p.a. bonus fixed for 12 months. Conditions apply.
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Debit Card included. You must be age 18+. Also 0% £100 Overdraft, Any other borrowing @ 19.24% (subject to eligibility)
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£200 interest free overdraft. You need to be 18+ & pay in £800+ p.m
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Get up to £300 FREE when you switch! Plus 0% overdraft facility for 12 months & 5% AER on your first £2,500 for 12 months
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Get a Debit Card & access to a network of over 1,700 branches. You must be age 18+
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Debit Card included. You must be age 18+. Also 0% £100 Overdraft, or up to £15,000 @ 19.24% (subject to eligibility)
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Get Green Flag breakdown cover, Mobile phone insurance (including all smartphones!) Annual worldwide travel insurance & Travel benefits for £12.50 per month!
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Get FREE European Travel Insurance and NO monthly fee. You need to be 18+, No Fees or Minimum monthly deposits.
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No Credit Check basic bank account – Open to everyone 18+ & UK resident. NO Opening Fee - £12.50 per month. Create Standing Orders but No Direct Debits
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No Credit Check basic bank account – Open to everyone 18+ & UK resident. Set-up fee of £25 (£30 for a joint account), monthly administration fee of just £14.50 (£19.50 for a joint account). Create Standing Orders but No Direct Debits
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- Free day-to-day banking without subscription charges
- Overdraft available subject to eligibility, giving your finances some breathing space
- Chequebook available subject to eligibility; handy when cash or cards aren't convenient
- Monthly statements with all your transactions and your balance - by post or online. Or pick up a mini-statement from our cash machines
- ***You must deposit at least £800 per month***
- Interest on all balances tracks at 0.5% below the Bank of England Base Rate, guaranteed for the life of your Current Account.
- UK call centres open 24/7, 365 days a year
- Fee-free £200 overdraft facility
- Dedicated switching service
- Get up to £300 FREE if you are an existing Santander mortgage customer, who has or can deposit at least £10,000 in Santander savings and switch their main current account to Santander.
- Earn 5% AER on balances up to £2,500 for 12 months
- After 12 months you will earn 1.0% AER on any balance on the account
- 0% EAR on Overdrafts for the first 12 months (up to £5,000 depending on your circumstances), after this it will revert to 19.9%EAR
- Manage your day-to-day money for free with no monthly account fee, no transaction charges and no charges for using account facilities - as long as you remain in credit
- Get a cheque book and a Visa Debit card. You can use your Visa Debit card in shops wherever you see the Visa symbol and at virtually every cash machine in the UK and many worldwide. It also acts as a £100 cheque guarantee card
- Access to your money 24 hours a day 7 days a week through our e-banking service, 750+ branches, 24-hour telephone banking service, LINK cash machine network or even by post
- At least £1,000 a month must be credited to get 5% AER on balances up to £2,500
- If not switching earn 5% AER on balances up to £1,000 for 12 months if £1,000 is credited each month
- A carbon neutral debit card (subject to status).
- Online Banking – do your banking from home (subject to registration).
- Telephone Banking – pay bills and more (subject to registration).
- A network of over 1,700 branches.
- Draw on cheques paid in before they clear (subject to status and limit).
- An overdraft: 19.3% interest per annum (variable).
- Representative Example: Up to £5,000 19.3% interest p.a. (variable)
- Subject to status and application. So the amount offered may be different to that shown on the example. Overdrafts are repayable on demand.
- Barclays £2,500 Personal Reserve Option:
- - One Reserve Usage Fee of £22 for each five consecutive working day period from the day you start using your Reserve.
- - No interest payments on your Reserve balance.
- - Representative Example: 0% interest per annum (variable). Reserve Limit £2,500. One reserve usage fee of £22 for each five consecutive working day period from the day you start using your reserve. Personal reserve is subject to status and application and repayable on demand.
- - The Reserve is repayable on demand. The maximum Reserve is £2500, subject to status.
- - One Returned Transaction Fee of £8 for each returned transaction where you exceed your Reserve.
- - One Guaranteed Transaction Fee of £8 for each guaranteed payment made where you exceed your Reserve.
- Free everyday banking - no monthly subscription charges.
- No arrangement or renewal fees - on overdrafts up to £15,000. And pay no interest on agreed overdrafts of up to £100.
- Save on your mortgage - use your Interest Paying Current Account balance to save money with our Offset Service.
- Easy access to your money - your debit card gives you access to almost every cash machine in the UK. You can also pay for goods and services wherever you see the logo shown on your card.
- Online banking - manage your money 24 hours a day, 365 days a year with our telephone and internet banking services. (Except for short periods of essential maintenance.)
- Overseas money - get money in local currency at cash machines and buy goods wherever you see the logo shown on your card.
- Statements - monthly statements list all transactions and your current balance. You can also get mini-statements from any cash machine.
- Pay £12.50 per month and get the following benefits:
- Green Flag car breakdown cover - even on your driveway
- Mobile phone insurance – including all smartphones
- Annual worldwide travel insurance - Members and their partners aged 70 years and over must pay an additional annual premium of £50
- Travel benefits – discounts on holidays, flights and hotels
- VISA debit card with every account
- Free travel insurance: multi-trip European cover worth up to £70* (conditions apply)
- Manage your account online with an excellent internet banking service.
- Three-month interest-free overdraft when you switch to FlexAccount
- Free day to day banking
- Voted Best Overall Online Provider 2009 by Your Money
- CardOneBanking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- NO OPENING FEE
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £12.50 monthly management fee
- Think Banking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- Opening fee of £25 (£30 for a joint account)
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £14.50 monthly management fee (£19.50 for joint account customers)
- New customers can enjoy a rate of 2.90% AER (2.86% gross p.a.) including a 2.36% gross bonus fixed for 12 months from account opening.
- After 12 months the rate will revert to our ING Direct Savings Account variable rate, currently 0.50% AER
- Move your money when you like, with no penalties or restrictions
- Start saving from £1, with no minimum or maximum monthly deposits required
- Open an account in minutes
- Award winning UK call centres
- Great on-going rate of 2.50% gross pa/AER† variable with NO bonus period!
- Apply online with Barnsley Building Society award-winning, paperless application. No forms to sign.
- Open an Online Saver with as little as £1
- Make withdrawals at any time as long as you leave a minimum balance of £1
- Check your balance and view your statements whenever you wish
- Log into our secure website to transfer money to your nominated bank or building society account or a nominated account held with us
- Rate includes a bonus of 0.50% until 31/12/2010.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- A competitive rate of interest of up to 2.50% AER, (2.50% gross p.a.)
- Flexibility to make unlimited withdrawals if you need to giving you the highest level of flexibility available.
- Open an account with as little as £1!
- Save up to £1000 each month.
- Open and manage your account online using the Nationwide MySave Online Savings site.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- No penalties – we don't charge you for withdrawing your money
- Start saving with £1 - and there's no minimum balance
- Monthly interest – paid directly into your account
- No need for an existing NatWest account – although if you have one, it's quick and easy to move money between e-Savings and your other NatWest accounts
- Get the savings habit – we can set up a regular transfer from another NatWest account
- Set up and track your own personal savings goals - through Online Banking
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- you will earn the following rate of interest: 1% AER/Gross (variable)
- Instant access to your funds with no penalties
- Monthly tax-free interest – RBS can pay the interest into your Direct Saver or another RBS account.
- Manage your ISA by Phone, post, in branch and online
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Rate includes a bonus of 0.89% for 12 months
- Minimum balance £1000
- Deposits can be made by internet banking, telephone or post
- No notice period or penalties for withdrawals
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Act now and you can enjoy a great tax free rate of 3.0% AER variable (2.96% gross p.a variable, including a 1.96% gross p.a bonus fixed for 12 months from opening)
- This rate then reverts to a variable Cash ISA rate currently 1.00% gross/AER.
- The interest is calculated daily and paid monthly.
- You can invest from £1 up to £5,340 each tax year and benefit from tax free savings.
- You can NOT transfer your existing ISA balances to this ISA
- The tax year runs from 6 April to 5 April the following year.
- You can invest in one lump sum or in any number of smaller payments up to the annual subscription limit (£5,340).
- Save from £1 and save up to £5,340 per tax year
- If you wish to transfer your existing ISAs balances to this ISA you will earn the following rate of interest:
- £0 - £9,999 = 2.00% AER
- £10,000 - £29,900 = 2.25% AER
- £30,000+ = 2.50% AER
- Instant access to your funds with no penalties
- Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
- Manage your ISA by Phone, post, in branch and online
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
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Min
£1,000
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Max
£5,340
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Min
£1
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Max
£5,340
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Min
£1
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Max
£5,340
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Min
£1
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Max
£5,340
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Min
£1
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Max
£5,340
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- Get 3.10% AER Tax Free on your savings
- Rate includes a 1.35% bonus until 31/08/2012
- Open and manage your account online
- Have instant access to your funds: no withdrawal limits or penalties
- Pay into your account as many times as you want to, up to your annual cash ISA limit
- Transfer in from existing cash ISAs held with Nationwide or other providers
- In order to apply for and operate an e-ISA you must have a Nationwide current account
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Act now and you can enjoy a great tax free rate of 3.0% AER variable (2.96% gross p.a variable, including a 1.96% gross p.a bonus fixed for 12 months from opening)
- This rate then reverts to a variable Cash ISA rate currently 1.00% gross/AER.
- The interest is calculated daily and paid monthly.
- You can invest from £1 up to £5,340 each tax year and benefit from tax free savings.
- You can NOT transfer your existing ISA balances to this ISA
- The tax year runs from 6 April to 5 April the following year.
- You can invest in one lump sum or in any number of smaller payments up to the annual subscription limit (£5,340).
- £1 minimum opening balance - you will also need to keep a balance of at least £1 for the 12 month reward period
- Unlimited withdrawals during the 12 month reward period
- Unlimited number of deposits - up to £5,340 this tax year
- Easy access: you can manage your account by phone and make deposits in branch. View your savings online 24/7 and transfer money between your own Bank of Scotland accounts.
- If you have a cash ISA with another provider and want to take advantage of our ISA promise and interest rates, you can transfer your ISA to us now
- Before you apply, read our summary box and important information
- As part of our ISA promise, we will keep you informed when your reward offer is coming to an end. Once the reward offer is over the ISA Saver Direct variable interest rate (currently 0.50% Gross p.a.) and conditions apply
- Save from £1 and save up to £5,340 per tax year
- If you wish to transfer your existing ISAs balances to this ISA you will earn the following rate of interest:
- £0 - £9,999 = 2.00% AER
- £10,000 - £29,900 = 2.25% AER
- £30,000+ = 2.50% AER
- Instant access to your funds with no penalties
- Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
- Manage your ISA by Phone, post, in branch and online
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Save from £1 and save up to £5,340 per tax year
- Earn 0.50% AER to 2% AER depending on deposit:
- £50,000+ = 2.00% AER
- £27,000 - £49,999 = 1.75% AER
- £22,000 - £26,999 = 1.10% AER
- £15,000 - £21,999 = 0.95% AER
- £9,000 - £14,999 = 0.75% AER
- £1 - £8,999 = 0.50% AER
- Instant access to your funds with no penalties
- Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
- Manage your ISA by Phone, post, in branch and online
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
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Min
£1,000
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Max
£5,340
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Min
£100
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Max
£50,000
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Min
£1,000
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Max
£5,340
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Min
£100
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Max
£50,000
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Min
£1,000
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Max
£5,340
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- Account gives you a great rate of 3.10% AER
- You can open an account with just £100.
- The maximum balance is £50,000.
- Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
- YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
- Have between £1,000 - £5,340 this tax year
- Transfer in existing cash ISA balances to increase your tax free earning potential
- Limited offer - May be withdrawn at any time
- Early closure will result in an interest change
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Have between £1,000 - £5,340 this tax year
- Transfer in existing cash ISA balances to increase your tax free earning potential
- Limited offer - May be withdrawn at any time
- Early closure will result in an interest change
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Have between £1,000 - £5,340 this tax year
- Transfer in existing cash ISA balances to increase your tax free earning potential
- Limited offer - May be withdrawn at any time
- Early closure will result in an interest change
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Account gives you a great rate of 3.50% AER
- You can open an account with just £100.
- The maximum balance is £50,000.
- Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
- YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
How long do you wish to save for:
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You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
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You will need to have a NatWest Current A/c or Instant Access Savings Account for the payment of interest
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You need to have, or open a Nationwide Flexi Current Account to deposit funds into this bond.
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- The Scottish Widows 5 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.60%AER over a period of five years. The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
- Fixed annual rate 4.60% Gross
- Minimum deposit £10,000
- Deposit Term - 5 years
- No partial withdrawals permitted during deposit term.
- *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Save for 1 year
- Fixed interest rates of 3.10% AER/Gross*.
- Save from £10,000 up to £5,000,000
- No withdrawals are allowed.
- Rate is fixed for the term of the deposit.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Minimum Deposit £1000 - No Maximum!
- Monthly or Annually interest payment option:
- - Minimum investment of £1,000 to get your interest paid annually = 3.45% AER
- - Minimum investment of £5,000 to get your interest paid monthly = 3.40% AER
- Deposit for a period of 1 year
- Online Access allowing you to deposit funds and view your cash at all times.
- Access can be given to funds if required in emergencies within the year; however this will result in loss of interest accrued to date.
- FirstSave accounts are provided by FBN Bank (UK) Ltd, a UK bank which began trading in 2002 and is authorised and regulated by the Financial Services Authority.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme
- Earn an Annual Equivalent Rate (AER) of 3.0%
- Minimum Deposit £1000 - No Maximum!
- Monthly or Annually interest payment option:
- - Minimum investment of £100 to get your interest paid annually = 2.98% AER
- - Minimum investment of £5,000 to get your interest paid monthly = 3.00% AER
- Online Access allowing you to deposit funds and view your cash at all times.
- FirstSave accounts are provided by FBN Bank (UK) Ltd, a UK bank which began trading in 2002 and is authorised and regulated by the Financial Services Authority.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Save between £5,000 - £500,000 and leave it untouched for the term
- Available to personal NatWest customers aged 18 or over
- No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to:
- 90 days' gross interest for our 1 year Fixed Rate Bond
- 180 days' gross interest for our 2 year Fixed Rate Bond
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Get higher savings rate the more you deposit
- Deposit £1 - £49,999 = 3.0% AER fixed for 1 year
- Deposit £50,000+ = 3.25% AER fixed for 1 year
- You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
- Manage your savings bonds online via our secure Internet Bank
- Enjoy the security of a guaranteed rate of return
- Choose between monthly or annual interest
- Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
- Use your own e-Bond account nickname instead of having to remember a lot of numbers
- Your online security protected with Nationwide's Internet Banking Promise
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Get higher savings rate the more you deposit
- Deposit £50,000+ = 3.25% AER fixed for 1 year
- You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
- Manage your savings bonds online via our secure Internet Bank
- Enjoy the security of a guaranteed rate of return
- Choose between monthly or annual interest
- Open several e-Bonds (the combined savings bonds balance must not exceed £3m)
- Use your own e-Bond account nickname instead of having to remember a lot of numbers
- Your online security protected with Nationwide's Internet Banking Promise
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Save between £5,000 - £500,000 and leave it untouched for the term
- Available to personal NatWest customers aged 18 or over
- No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to:
- 90 days' gross interest for our 1 year Fixed Rate Bond
- 180 days' gross interest for our 2 year Fixed Rate Bond
- You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
- This is a limited offer and may be withdrawn from sale at any time
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Account gives you a great rate of 3.10% AER
- You can open an account with just £100.
- The maximum balance is £100,000.
- Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
- YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
- Account gives you a great rate of 3.50% AER
- You can open an account with just £100.
- The maximum balance is £100,000.
- Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
- YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
- Available Online Only.
- Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
- Annual or Monthly interest options available.
- Sole or Joint Accounts.
- Restricted to UK residents 18 years or older.
- No additional deposits, withdrawals or closure during term.
- Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme
- Available Online Only.
- Deposit between £1,000 to £250,000 for FIVE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
- Annual or Monthly interest options available.
- Sole or Joint Accounts.
- Restricted to UK residents 18 years or older.
- No additional deposits, withdrawals or closure during term.
- Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme
- Account gives you a great rate of 4.00% AER
- You can open an account with just £100.
- The maximum balance is £100,000.
- Early access on full closure only and subject to an Early Closure Fee
- YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme
- The Scottish Widows 3 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.00% AER over a period of three years.
- The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
- Fixed annual rate 4.00% Gross
- Minimum deposit £10,000
- Deposit Term - 3 years
- No partial withdrawals permitted during deposit term.
- *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
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You will need to have a NatWest Current A/c or Instant Access Savings Account for the payment of interest
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The Meteor FTSE Income Deposit Plan is a 6 year capital protected deposit plan with the potential to provide a fixed annual income of 7.5%.
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5 year structured investment plan paying an income of 7.00% annually with a potential annual bonus of 0.50%. Also available is a monthly income option, Stocks & Shares ISA investment and ISA transfer.
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- **Special Offer** Invest £100,000 or over and Get 1% Cash Back on the amount you invest into this bond.
- For example, if you deposit £100,000 you will get a cheque for £1000 one month after the date of your investment.
- The Meteor FTSE Income Deposit Plan 5 is a 6 year capital protected deposit plan with the potential to provide a fixed annual income of 7.5%, or a quarterly income of 1.4%.
- The plan will return your initial deposit in full at maturity, regardless of the performance of the FTSE 100 Index. You will also receive the fixed annual or quarterly income if, on the close of every business day, the FTSE 100 Index does not fall lower than 4,250 or rise more than 7,250. If this does happen then income will not be paid for that quarter or year.
- The plan is available for direct investment, cash ISA, cash ISA transfer, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential annual income – 7.5% or
- Potential quarterly income - 1.4%
- Capital protected plan*
- RBS is the deposit taker for this plan
- Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account **
- Investment term: 6 years
- Minimum direct deposit: £10,000
- Minimum Cash ISA deposit: £5,340
- No maximum deposit
- Also available to businesses, charities and trusts
- This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
- Deadline for ISA transfer: 20th January 2012
- Deadline for direct investment by cheque: 27th January 2012
- Deadline for ISA and direct investment: 1st February 2012
- *The return of your capital and any growth depends on the ability of the deposit taker (The Royal Bank of Scotland plc) to repay your money.
- **Subject to the Scheme's eligibility criteria - see brochure for details.
- For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
- The Investec FTSE 100 Bonus Income Plan 21 – Option 1 is a five year Structured Investment Plan which provides fixed annual or monthly income payments throughout the term of the Plan, with additional bonus payments dependent on the performance of the FTSE 100 Index (‘the Index’).
- The aim of the Plan is to provide fixed annual or monthly payments throughout the term, with additional bonus payments dependent on the performance of the FTSE 100.
- You will receive fixed payments of either 7% annually or 0.57% monthly regardless of the performance of the Index.
- An additional income payment of 0.50% gross annually or 0.04% monthly will be made if the Bonus Observation Level is above the Initial Index Level at the end of each payment period.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Fixed annual income - 7.00%
- Potential annual bonus payment - 0.50% (gross)
- Capital at risk investment*
- Investment term - 5 Years
- Minimum single investment - £1,500
- Maximum Stocks & Shares ISA investment - £10,680
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 10th February 2012
- Direct investment and ISA deadline: 24th February 2012
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
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5 year structured deposit plan. Capital protected. 100% any growth in Retail Price Index (no cap) with a minimum return of 16%. Available as a Cash ISA & for ISA transfers
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RPI Tracker (Min return 16% - or 3.2% per year) Max is unlimited based on RPI
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Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
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A 6 year structured investment plan with the potential to mature early, paying max 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
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11% x the number of years the Plan is active
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- The Legal & General Inflation Protected Deposit Bond 2 is a five year structured deposit plan linked to the performance of the Retail Prices Index (‘RPI’).
- The objective of the Plan is to return your full capital at maturity and provide either a fixed return of 16%, or if greater, 100% of any growth in the Retail Prices Index with no cap. Growth of the RPI will be measured by the change in the RPI over the full five year term.
- You can apply for this plan via cash ISA, cash ISA transfer, or alternatively through a charity, company, self-invested personal pension plan (SIPP) or small self-administered scheme (SSAS).
- Fixed return of 16% or, if greater:
- 100% of any growth in RPI, with no cap
- Capital protected product*
- RBS is the deposit taker
- Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account**
- Investment term - 5 Years
- Minimum single investment - £500
- Maximum ISA investment - £5,340
- No maximum total investment
- Also available to businesses and charities
- ISA transfer deadline - 17th February 2012
- ISA investment deadline - 2nd March 2012
- Direct investment deadline - 2nd March 2012
- * The return of your capital and any stated returns depends on the ability of the deposit taker (Royal Bank of Scotland plc) to repay the monies.
- **Special Offer** Invest £100,000 or over and Get 1% Cash Back on the amount you invest into this bond.
- For example, if you deposit £100,000 you will get a cheque for £1000 one month after the date of your investment.
- Option 1 of the Investec FTSE 100 Enhanced Kick-Out Plan 26 is a structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- The objective of the Plan is to deliver attractive returns with potential for early maturity dependent on the performance of the Index.
- The Plan has a 5 year term, but offers the opportunity to mature early after years 1, 2, 3 or 4. To achieve early maturity the average closing levels of the Index for the five business days up to, and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 13.50% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 40.5%.
- If the Plan does not achieve early maturity then it will run for the full 5 year term and will return 1.2 times any growth in the Index with no upper limit, by comparing the Initial Index Level (‘the IIL’) and the Final Index Level (‘the FIL’).
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential return of 13.5% pa in years 1,2,3 & 4 or a final growth return of 1.2 x any rise in the FTSE 100
- Capital at risk product*
- Investment term - Up to 5 Years
- Minimum single investment - £1,500
- Maximum stocks & shares ISA investment - £10,680
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 10th February 2012
- Direct investment and ISA deadline: 24th February 2012
- *The return of your initial investment and any stated returns depend on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
- **Special Offer** Invest £100,000 or over and Get 1% Cash Back on the amount you invest into this bond.
- For example, if you deposit £100,000 you will get a cheque for £1000 one month after the date of your investment.
- The Legal & General Early Bonus Plan 4 is a 6 year Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 1, 2, 3, 4 or 5. The Plan will achieve early maturity if on any Anniversary Date the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then the Plan will return your original capital plus 11% times the number of years the Plan has been active.
- Example - If the conditions were met on the fourth anniversary, the Plan would mature early, returning your capital plus 44% (i.e. 4 x 11% of your original investment). If, on the sixth anniversary the Index is equal to, or higher than the Initial Index level, the Plan will return your original capital plus 66%. However, if on the sixth anniversary, the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
- The Plan is available for stocks & shares ISA, ISA transfer and direct investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential early maturity return - 11% x the number of years the Plan is active*
- Capital at risk investment**
- Investment term - 6 Years
- Minimum single investment - £3,000
- Also available to businesses, charities and trusts
- ISA transfer deadline - 10th February 2012
- ISA investment deadline - 24th February 2012
- Direct investment deadline - 24th February 2012
- *At the end of the investment term you will receive the potential fixed return as long as the level of the FTSE 100 Index at maturity is equal to or higher than the starting level.
- ** The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty, Abbey National Treasury Services Plc, who are a wholly owned subsidiary of Santander UK Plc.
*Returns are not guaranteed – See Product details
Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
Please remember the value of your investments and the income from them can go down as well as up. You may not get back the full amount you have invested. If you're in any doubt you should consult an appropriate Financial Adviser.
Disclaimer (Please Read)
Important Notes
For structured deposit and investment plans the above information provides a product summary only. Complete details of the plans can be found within the relevant brochure and key features material which are available on request. Investors will not benefit from any dividends paid by the companies which constitute the listed indices over respective investment terms. Therefore, if markets rise, the plans will deliver lower returns than investments in an equity fund which includes reinvested dividends. The stated benefits will only be delivered if the plans are held for the full terms. If the investor were to cash in their plan early, they would be unlikely to receive back the amount they originally invested, regardless of the performance of the basket/index underlying the plan. Inflation might deteriorate the value of the capital received at maturity. Some of the plans place your ‘capital at risk’ and are not intended for cautious investors. For capital at risk plans, the security of the product depends on the credit worthiness of the counterparty. Failure of the counterparty could lead to you losing all or some of your original investment and returns. Furthermore this event will not be covered by the Financial Services Compensation Scheme. Please see http://www.fscs.org.uk for full information.
Hide Disclaimer
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Up to 2 years free banking (Ts&Cs apply) & free automated transactions
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Get free automated transactions, plus a whole lot more
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Get 12 months' free banking or 18 months free with the 'Santander Business Start-up Extra' if you have a personal Santander Bank Account
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Choose a simple, fixed monthly fee based on how much cash you deposit each month - the rest of your day-to-day banking is unlimited.
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18 months FREE business banking
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Move your existing Account & Get 6 months FREE banking. Smooth move guaranteed or £50 back!!
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18 Months FREE Business Banking (providing turnover is less than £2m) 2% off Small Business Loan rates & £50 off £100 Arrangement Fee for Business Overdraft up to £5,000.
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Switch to HSBC and get 18 months free business banking (providing turnover is less £2m) Up to 1% off your current business overdraft interest rate margin. Move your loan and HSBC will match your Loan Rate for the remainder of the term. Switch your card processing and get 6 months free terminal rental with no set up costs
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- Up to 2 years free banking* (Ts&Cs apply)
- Free Automated Transactions Tariff as standard (at the end of the Free Banking Period)
- Your own Barclays Business Manager – backed up by an Award Winning Telephony Team**
- Bank in branch, online or by phone
- We offer more than you’d expect from a bank…
- Free CREDITFOCUS Classic - an award wining credit management tool***
- We offer up to 45 minutes’ free consultation with local professional experts in accountancy, marketing and law.
- Free Local Business seminars
- Free - Securely back up 2GB of your business data
- Access to unique business management software so that you can spend less time on admin and more time on what you love doing
- * There is no charge for standard transactions for two years if the Barclays Business Essentials and CREDITFOCUS Pro or Barclays Business Essentials Plus and CREDITFOCUS Pro or Barclays Business Manager and CREDITFOCUS Pro are purchased at the time of opening the account. This is only applicable for new businesses opening their account with Barclays. This applies to everyday Sterling, debit and credit transactions and the maintenance fee. Please note: accounts must be active.
- **Best Large Call Centre in 2007 European Call Centre Awards
- ***Available to small businesses with a turnover below £1m
- Free Automated Transactions Tariff as standard
- Your own Barclays Business Manager – backed up by an Award Winning Telephony Team**
- Bank in branch, online or by phone
- We offer more than you’d expect from a bank…
- Free CREDITFOCUS Classic our award winning service to help cut out late payers and the risk of bad debt until 31st December 2009 *
- Free advice from a local solicitor
- Free Local Business seminars
- Free - Securely back up 2GB of your business data
- Free online skills training
- Free advice from our Legal & Tax helpline
- Plus, access to unique business management software so that you can spend less time on admin and more time on what you love doing
- **Best Large Call Centre in 2007 European Call Centre Awards
- *Available to small businesses with a turnover below £1m
- ***CALL 0800 015 8409 TO APPLY***
- Get 12 months' free banking or 18 months free with the 'Santander Business Start-up Extra' if you have a personal Santander Bank Account
- The Santander Start Up Business Current Account is open to businesses with a turnover of up to £250k.
- Free Unlimited Day to Day Transactions - No charge to deposit or withdraw cash, cheques, BACS, debit card payments, standing orders, etc.
- You'll only pay for non-standard transactions, such as CHAPS and change-giving
- After 12 month free period (or 18 month if previous personal banking customer) you will be placed on a monthly tariff ranging from £7.50 per month to £20.00 depending on the amount of cash you wish to deposit
- Deposit £1 - £1000 in cash = £7.50 per month
- Deposit £1000 - £3000 in cash = £12.50 per month
- Deposit £3000 - £5000 in cash = £20 per month
- Deposit £5000+ in cash = £0.50 per £100 after £5k
- Get a Post Office® Cash Deposit Card - Lets you authorise other people to deposit cash at participating Post Office® branches
- Get a personalised service through our network of small business advisers
- The convenience to manage your account online, by telephone or through our 1,400 branches
- The flexibility to authorise others to operate the account on your behalf
- Link your business current account to a Santander business savings account for easy transfer of funds
- Earn interest on credit balances. Currently 0.01% gross/AER (variable)
- Access to business overdraft facilities
- Cheque book, paying in book, debit card and regular statements
- ***CALL 0800 015 8409 TO APPLY***
- As a standard Santander Business Account customer you will be placed on a monthly tariff ranging from £7.50 per month to £20.00 depending on the amount of cash you wish to deposit
- Deposit £1 - £1000 in cash = £7.50 per month
- Deposit £1000 - £3000 in cash = £12.50 per month
- Deposit £3000 - £5000 in cash = £20 per month
- Deposit £5000+ in cash = £0.50 per £100 after £5k
- Get a Post Office® Cash Deposit Card - Lets you authorise other people to deposit cash at participating Post Office® branches
- Get a personalised service through our network of small business advisers
- The convenience to manage your account online, by telephone or through our 1,400 branches
- The flexibility to authorise others to operate the account on your behalf
- Link your business current account to a Santander business savings account for easy transfer of funds
- Earn interest on credit balances. Currently 0.01% gross/AER (variable)
- Access to business overdraft facilities
- Cheque book, paying in book, debit card and regular statements
- 18 months free day-to-day banking and support from your own business manager.
- During the first 18 months you will not be charged for:
- - Paying in or taking out cash
- - Paying in or issuing cheques
- - Paying standing orders and direct debits
- There is no limit on the number of deposits or withdrawals, and you do not need to keep a minimum balance in your account to qualify.
- When your free banking period ends choose either 'Business Extra Tariff' or 'Electronic Business Tariff'.
- Smooth move from your old business account to new Lloyds business account guaranteed or get £50 cash back!!
- Interest free overdraft of up to £5,000 while moving
- During the first 6 months you will not be charged for:
- - Paying in or taking out cash
- - Paying in or issuing cheques
- - Paying standing orders and direct debits
- There is no limit on the number of deposits or withdrawals, and you do not need to keep a minimum balance in your account to qualify.
- When your free banking period ends choose either 'Business Extra Tariff' or 'Electronic Business Tariff'.
- Get 18 months free banking - providing annual turnover is below £2m
- Free banking period continues after first 18 months providing turnover is below £500k.
- 2% off Small Business Loan rates - Normally from 7.9% Annual Interest Rate (if you already bank with HSBC), now starting from 5.9%. Fixed rate loans between £1,000 and £25,000.
- 50% off Arrangement Fee from £100 to £50 for Business Overdrafts up to and including £5,000
- 6 months free terminal rental for businesses new to card processing
- Zero monthly tariff fee on a new International Bank Account for 3 months - Save at least £120 per terminal plus VAT
- Get 18 months free banking - providing annual turnover is below £2m
- Free banking period continues after first 18 months providing turnover is below £500k.
- Get up to 1% off your current business overdraft interest rate margin
- Move your loan and we'll match your Loan Rate for the remainder of the term
- Switch your card processing service and you'll get 6 months free terminal rental on up to 3 terminals and pay no set up fees - Save at least £120 per terminal, plus VAT and pay no set up fees, normally £150
- 2% off Small Business Loan rates for loans up to £25,000 - Normally from 7.9% Annual Interest Rate (if you already bank with HSBC), now starting from 5.9% - offer ends 31st Jan 2012.
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No Credit Check basic bank account – Open to everyone 18+ & UK resident. NO Opening Fee - £12.50 per month. Create Standing Orders but No Direct Debits
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No Credit Check basic bank account – Open to everyone 18+ & UK resident. Set-up fee of £25 (£30 for a joint account), monthly administration fee of just £14.50 (£19.50 for a joint account). Create Standing Orders but No Direct Debits
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- CardOneBanking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- NO OPENING FEE
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £12.50 monthly management fee
- Think Banking offers the following:
- Guaranteed Acceptance
- Sortcode & Account Number
- Have your salary deposited into this account
- Pay money in at any Post Office or high street branch
- Prepaid MasterCard card
- Create Standing Orders but you can not set up Direct Debits with this account.
- 24 hour account management by Phone, Text and Online Banking
- Dedicated Account Manager
- Opening fee of £25 (£30 for a joint account)
- NO OVERDRAFT FACILITY – No risk of going overdrawn
- NO EXTRA CHARGES – No charges for bounced standing orders
- NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
- YOU must be 18+ and UK resident
- £14.50 monthly management fee (£19.50 for joint account customers)
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