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Current Accounts

Account	AER	Min Bal	O/D Rate	O/D Buffer	Apply
Premier Direct Current Account	8.50%	£1	0% for 12 mths	£2,000	Apply > [more info]
Get 8.5% AER on all balances up to £2,500					Apply > [more info]
8% Current Account	8%	£1	0% for 4 mths	£1,000	Apply > [more info]
Current Account	0%	£1	0%	£250	Apply > [more info]
First Direct will give you £100 when you switch your current account to them!					Apply > [more info]
Current Account Advance	0.10%	£1	0% for 2 mths	£500	Apply > [more info]
You need to pay at least £500 per month into this account					Apply > [more info]
0% Overdraft Current Account	0.10%	£1	0% for 12 mths	£5,000	Apply > [more info]
Under 21's Account	10%	£1	0%	£2,500	Apply > [more info]
(for 16 -20 year olds only)					Apply > [more info]
Plus Account	6%	£1	17.9%	£1,000	Apply > [more info]
Pay £12.50 per month for Extra Benefits & 6% AER on balances up to £1,000					Apply > [more info]

Alliance Leicester - Premier Direct Current Account

8.5% Annual Earnings Rate on balances up to £2,500
**(8.5% is fixed for 1 year)**
0.1% AER (variable) on balances over £2,500
0% overdraft for 12 months from account opening, then 50p a day (up to £5 a month) if agreed by Alliance and Leicester.
You have to pay at least £500 per month into your current account
You must be over the age of 21

Abbey - 8% Current Account

Earn 8% AER on balances up to £2,500 for 12 months
After 12 months you will earn 2.5% AER on any balance on the account
0% interest- free on Overdrafts for the first four months, after 4 months this 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 8% AER on balances up to £2,500
If not switching earn 8% AER on balances up to £1,000 for 12 months if £1,000 is credited each month

First Direct - Current Account

Switch to a first direct and they will give you £100!
**(To get £100 You must pay in at least £1500 within 6 months)**
If you're not happy after 6 months First Direct will give you another £100 and help you move to another bank!
**Exclusive to First Direct Current Account holders** - 8% AER/Gross fixed for 12 months.
(Available when you open a Regular Saver Account alongside your current account).
8% AER is given if you agree to a 12 month fixed term with no withdrawals allowed.
Interest paid on maturity.

HSBC - Current Account Advance

HSBC Automatically transfer your Direct Debits and standing orders to your new account
New cheque book & Debit Card within a week of you opening your account...or HSBC give you £10
Enjoy a 0% overdraft for two months, while HSBC transfer your account After this time the overdraft rate will be 19.9% EAR variable
You need to pay at least £500 per month into this account

Abbey - 0% Overdraft Current Account

0% overdraft for 12 months
After 12 months you will pay an Advance Overdraft rate of only 12.9% EAR
When switching, Abbey will offer to match your previous overdraft up to £5,000. *Conditions apply*
Earn 0.1% AER on any balance on the account
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 benefit from this offer

Alliance Leicester - Under 21's Account

10.00% AER (fixed until 30.04.09) on balances up to £1,000
0.10% AER (variable) on balances over £1,000
Access to a £2,500 0% overdraft facility
Visa debit card
Access to your account via Internet, Telephone and Mobile Banking
Recommend a friend and earn £50

HSBC - Plus Account

Credit interest:
6% AER fixed on balances up to £1,000 (for 12 months from account opening)
2.5% AER (2.47% gross) up to £2,500
Thereafter 0.1% gross/AER
Overdraft facility at 17.9% EAR variable
Fee free cash withdrawals worldwide
Worldwide family travel insurance (inc. winter sports cover - up to aged 70)

Savings Accounts

Account	AER	Notice	Interest Paid	Min Bal	Apply
eSaver	6.30%	Instant	Monthly	£1	Apply > [more info]
Receive NO interest in the month you make a withdrawal					Apply > [more info]
Savings Account	6%	Instant	Monthly	£1	Apply > [more info]
6.00%AER on balances £1+ NO withdrawal Penalties!					Apply > [more info]
Instant Access Saver (Issue 2)	6%	Instant	Annually	£1,000	Apply > [more info]
Online Tracker	6%	Instant	Annually	£1	Apply > [more info]
e-Saver	5.99%	Instant	Monthly	£1	Apply > [more info]
eSaver Direct	5.69%	Instant	Monthly	£1	Apply > [more info]
HiSAVE Savings	5.50%	Instant	Monthly	£1	Apply > [more info]
Websaver Extra	5.50%	Instant	Annually	£1	Apply > [more info]
e-SAVER	5.35%	Instant	Annually	£1	Apply > [more info]
E-Savings Reward	4.73%	Instant	Monthly	£1	Apply > [more info]
Bonus Saver (Issue 3)	4.70%	Instant	Annually	£500	Apply > [more info]
Instant Saver	3.75%	Instant	Annually	£500	Apply > [more info]
Internet Saver	3.50%	Instant	Annually	£1	Apply > [more info]
Nest-egg Savings Accounts	3.48%	Instant	Monthly	£5,000	Apply > [more info]
Active Savings Account	3.25%	Instant	Monthly	£1	Apply > [more info]
Base Beater	3.05%	Instant	Annually	£500	Apply > [more info]

Alliance Leicester - eSaver

EARN 6.30% gross p.a./AER variable (6.13% gross monthly), if you don’t make a withdrawal.
Interest earned every month that no withdrawal is made. In a month in which a withdrawal is made, no interest is earned on the account balance (except in July, when withdrawals are allowed without loss of interest). The AER will therefore be lower if you withdraw in a year.
The AER is GUARANTEED to be at least 0.50% above the Bank of England Base Rate until 28 February 2010, giving you long term value.
Save between £1 and £500,000.
Save regular amounts each month, or put in one-off payments whenever you want.
Access your money within 24 hours when a transfer is made into your Alliance & Leicester current account; or up to 3 working days for transfers to a current account with another provider.
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

ING Direct - Savings Account

Interest rates at 6.0% AER which includes a 1.67% gross bonus fixed for first 12 months.
Open with £1 - save up to £1million
No penalties if you withdraw
Open an account in minutes

Abbey - Instant Access Saver (Issue 2)

***6.0%AER on balances £1k+ NO withdrawal Penalties!***
Earn 6.0%AER on all balances above £1,000 (includes a 1% bonus for the first 12 months)
Abbey are part of the Santander group one of the 10 largest banks in the world!
2.25% AER on all balances below £1,000
Withdraw cash as often as you like with NO penalties!
Transfer money between existing Abbey Accounts
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Alliance Leicester - Online Tracker

Earn 6.00% gross p.a./AER (variable), this includes a bonus of 1.30% payable until 04 January 2010.
The underlying rate (rate excluding bonus) is guaranteed to equal or exceed the Bank of England base rate until 31 January 2011.
Save from £1 to £2,000,000.
Save regular amounts each month, or put in one-off payments whenever you want.
Interest is paid annually on 1 October.
Access your money within 24 hours when a transfer is made into your Alliance & Leicester current account; or up to 3 working days for transfers to a current account with another provider.
Online account.
No withdrawal charges.
Available to those aged 18 or over.
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Birmingham Midshire - e-Saver

Earn a great rate of 5.99% AER, with unlimited deposits and withdrawals!
Invest from as little as £1 to £5 million.
Access your account 24/7 via easy-to-use Internet Banking
Make unlimited transactions with no loss of interest.
View full and mini statements.
Secure password protection.

Abbey - eSaver Direct

Abbey are part of the Santander group one of the 10 largest banks in the world!
Earn up to 6.0%AER on all balances above £1 and below £2million providing NO withdrawals are made in a year
Get 5.69% AER if make a withdrawal inside 1st year
Move money in and out whenever you like - Cash Card with every account!
State-of-the-art 24/7 online account access
Interest is calculated daily and paid Monthly
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

ICICI - HiSAVE Savings

Earn an Annual Equivalent Rate (AER) of 5.50%
From 1st of January 2008, ICICI Annualized Equivalent Rate (AER) rate is guaranteed to be 0.30% above Bank of England base rate until 31st of December 2011
Start saving with a balance as low as £1
24/7 Online access allowing you to view funds and transfer funds in, and out with ease.
Your money is freely available for withdrawal and transfer without a notice period or minimum period for deposits
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Halifax - Websaver Extra

5.50% AER on Balances £1 - £100,000
After £100,000 a lower rate of interest is applicable
Unlimited withdrawals without loss of interest
Access your money by transferring to another account online
Interest paid annually
You need to be a UK resident personal customers aged 11+
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Principality - e-SAVER

5.38% Gross p.a./AER variable interest.
Unlimited access with no notice required.
Manage your savings online.
Invest between £1 and £1,000,000.
Secure and easy to use.
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS – Financial Services Compensation Scheme.

Barclays - E-Savings Reward

Interest paid monthly
If you make NO Withdrawals in a month you get 4.73% AER (4.63% gross pa*)
If you make a withdrawal you get 2.66% AER (2.63% gross pa)for that month
Rates include a 12 month introductory bonus of 0.75% gross, payable from the date you open your account with a minimum of £1
If your a Barclays customer you get easy transfer between your Barclays current and savings accounts
Maximum balance of £2million
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Capital One - Bonus Saver (Issue 3)

Interest rate of 4.70% AER - Includes 1% Bonus for 12 months
Unlimited, free access to your money
Interest paid monthly or annually
Invest from £500 to £1 million
Manage your account online 24/7, via the phone or by post

Post Office - Instant Saver

Get 3.75% AER (includes a 1.5% gross introductory bonus for 12 months from Account opening)
Get 6 free withdrawals per year - and only £1 per withdrawal thereafter
Save £500 to £1million
Interest is paid annually in March
Post Office guarantee to pass on any rise in the Bank of England Base Rate (within 30 days) until January 2010
Post Office also guarantee that your interest rate will never be more than 1% below the Bank of England Base Rate for the life of the account.
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Sainsburys - Internet Saver

3.50% AER across all your Internet Saver balances
Interest is calculated daily and paid annually on the anniversary of account opening
Have Multiple Accounts & Keep track of your savings - name your accounts, such as 'Holiday', 'Wedding' or 'Rainy Day'
Online servicing ensures you can access your account at any time
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Barclays - Nest-egg Savings Accounts

£5k Minimum Balance Required
If you make NO Withdrawals in a month you get 3.48% AER (3.43% gross pa*)
If you make a withdrawal you get 1.44% AER (1.43% gross pa*)for that month
Tiered interest rates, with interest paid monthly, depending on your balance
Rates include a 12 month introductory bonus of 0.75% gross, payable from the date you open your account.
No withdrawal restrictions
Easy transfer between your Barclays current and savings accounts
No maximum balance or deposit
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Barclays - Active Savings Account

Interest paid monthly
Get a rate of 3.25%AER/3.20% Gross
Instant access with no loss of interest or restrictions on withdrawals
Rates include a 12 month introductory bonus of 0.75% gross, payable from the date you open your account with a minimum of £1
Optional cash card - withdraw up to £300 a day
No maximum balance or deposit
YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Capital One - Base Beater

Guaranteed to beat the Base Rate until 1st July 2010
Free and easy access to your money
Manage your account online 24/7, via the phone or by post
YOUR SAVINGS ARE PROTECTED UP TO £50K BY THE FSCS

Online Accounts Explained

Where can I get an online account?
Nowadays all high street banks can provide their customers with a secure online banking facility, allowing them to manage their finances from the comfort of their homes.
What can I do online?
These accounts can provide you with visibility of your statements, standing orders and direct debits, allowing you to add, edit or delete them where required. They also give the functionality to pay bills and move money between internal and external accounts.
How will this improve my banking experience?

Online banking effectively solves the inconveniences of restrictive banking hours, public holidays and queuing. They provide instant access to your account 24 hours a day 7 days a week, meaning that depending on your banking requirements you may never need set food in a bank again.

You can also gain access to helpful information such as FAQ's, and contact your bank online using the email feature or via the telephone using the phone numbers listed.

What do the banks get out of providing online accounts?
Part of the reason for providing customers with online accounts is for cross selling purposes, by advertising their other products on the website. These include things like credit cards, mortgages, insurance etc. and can be very helpful as they provide customers with a view of the true scope of the providers services.
Switching over completely to online
Some banks only exist online, and are generally known for providing better rates of interest and benefits such as 0% overdraft facilities, as managing accounts online and via the telephone reduces the overheads of a bank managing your account, allowing them to pass on these savings in the form of better rates.