Spread Betting

Spread Betting - if you want to get into share trading, but don't want to pay tax on your winnings Spread Betting could be the way to go.

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Editors Choice - ING Direct Savings Account - 3.10% AER

New customers only. 3.10% AER variable on balances up to £250,000 plus resulting interest. Open an account online in as little as 10 minutes. Conditions apply.

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Popular Savings Accounts

Provider
Account
AER
Notice
Interest Paid
Min Bal
Apply
Cheshire Building Society Direct Cash ISA
3.35%
Instant
Annually
£1,000
Apply >
More Info
Chelsea BS Fixed Rate ISA
3.20%
Fixed term until 31/05/2013
On Maturity
£100
Apply >
More Info
ING Direct Savings Account
3.10%
Instant
Monthly
£1
Apply >
More Info
Post Office Online Saver
3.01%
Instant
Monthly
£1
Apply >
More Info
Scottish Widows Direct Transfer Account
2.80%
Instant
Annually
£1,000
Apply >
More Info
Aldermore Easy Access Saver
2.75%
Instant
Monthly
£1
Apply >
More Info
Lloyds TSB Cash ISA Saver
2.65%
Instant
Annually
£1
Apply >
More Info
Barnsley Building Society Online Saver
2.50%
Instant
Monthly
£1
Apply >
More Info
Nationwide Regular Savings
2.50%
Instant
Monthly
£1,000
Apply >
More Info
Lloyds TSB eSavings Account
2.50%
Instant
Annually
£10,000
Apply >
More Info
Lloyds TSB Easy Saver
1.60%
Instant
Annually
£1
Apply >
More Info

Post Office Online Saver

Post Office
  • Access your savings 24/7/365
  • Apply online in less than 10 minutes
  • Instant account opening
  • Open a savings account with just £1
  • Rate applies to annual interest option and includes 1.36% gross/AER fixed interest bonus for the first 12 months
  • Monthly interest option also available
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

ING Direct Savings Account

ING Direct
  • New customers can enjoy a variable rate of 3.10% AER (3.06% gross p.a.) including a 2.56% gross p.a. bonus fixed for 12 months from the business day following 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

Barnsley Building Society Online Saver

Barnsley Building Society
  • 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

Lloyds TSB eSavings Account

Lloyds TSB
  • You must be an existing Lloyds TSB customer AND signed up to Lloyds Online Banking to be able to apply for this product
  • Earn 1.60% AER/Gross from £1, and up to 2.50% AER/Gross on balances of £10,000 or more View eSavings Account interest rates.
  • These rates include an introductory bonus of 1.50% AER on all tiers for the first 12 months.
  • Interest paid annually.
  • Start saving with only £1.
  • Instant access - the convenience of Internet Banking or PhoneBanking means you can access your savings when it suits you.
  • Set up a standing order - saving regularly from your current account is the easy way to grow your savings.
  • Name your account to suit you, such as holiday, rainy day or simply savings.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Nationwide Regular Savings

Nationwide
  • 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

Lloyds TSB Easy Saver

Lloyds TSB
  • A variable rate of interest, currently 1.60% AER/Gross.
  • This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months.
  • Open from as little as £1.
  • Interest paid annually.
  • Instant access - the convenience of Internet Banking or PhoneBank® means you can access your savings when it suits you.
  • No limits on how much you can save.
  • The options to have a standing order payment into your account, so you know your savings are always growing.
  • Optional Cashpoint® card for easy access on the move.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows Direct Transfer Account

Scottish Widows
  • 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

Cheshire Building Society Direct Cash ISA

Cheshire Building Society
  • Deposit £1000+ and get 3.35% AER (variable) tax-free including a fixed 2.35% AER bonus interest rate, paid until 30th November 2013
  • Deposit £1-£999 and get 0.25% AER only.
  • Easy access to your cash, with unlimited withdrawals and deposits up to your annual cash ISA allowance (transfers from existing ISAs are not permitted)
  • However, you will need to open your account online today with at least £1,000.
  • You will receive a welcome letter with everything you need to manage your account by post.

Lloyds TSB Cash ISA Saver

Lloyds TSB
  • Earn a variable rate of 2.65% AER/tax-free.
  • This rate includes a fixed introductory bonus of 1.65% AER for the first 18 months from account opening.
  • Interest paid annually on the 31st March.
  • Save up to £5,640 per tax year.
  • Make withdrawals from as little as £1.
  • Set up regular payments into your ISA from your current account.
  • Manage your Cash ISA Saver through Internet Banking if you're registered.
  • You can transfer your existing ISA into us, with our ISA transfer form.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Aldermore Easy Access Saver

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Reassurance - our interest rate is guaranteed to be at least 1.70% above Base Rate until 1 March 2013
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Chelsea BS Fixed Rate ISA

Chelsea Building Society
  • Guaranteed fixed rate of interest for the duration of the Fixed Rate e-ISA
  • Minimum investment of £100
  • ISA transfers in*** from other providers and deposits up to your 2011/2012 ISA limit, can be made whilst the product remains on sale. Transfer charges may apply, please check with your existing provider
  • Interest paid annually
  • Withdrawals are not permitted during the term
  • Early closure or transfer out to another ISA provider is permitted subject to 90 days loss of interest on the closing balance. Early closure would mean loss of tax free status other than transfers to another ISA provider.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme


Top 5 Fixed Rate Bonds

Provider
Account
AER
Duration
Interest Paid
Min Bal
Apply
View Full Table >
Vanquis Bank 5 Year Fixed Rate Bond
4.26%
Fixed term for 5 years
Monthly/Annually
£1,000
Apply >
More Info
Scottish Widows 5 Year Fixed Rate Bond
4.10%
Fixed term for 5 years
Annually
£10,000
Apply >
More Info
Post Office 3 Year Fixed Term Bond
3.72%
Fixed term for 3 years
Monthly/Annually
£500
Apply >
More Info
Post Office 2 Year Fixed Term Bond
3.63%
Fixed term for 2 years
Monthly/Annually
£500
Apply >
More Info
Vanquis Bank 3 Year Fixed Rate Bond
3.61%
Fixed term for 3 years
Monthly/Annually
£1,000
Apply >
More Info

Scottish Widows 5 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 5 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.10%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.
  • Minimum deposit £10,000
  • Deposit Term - 5 years
  • Fixed 4.10% annual gross
  • 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

Lloyds TSB International 1 Year Bond

Lloyds TSB
  • Save for 1 year
  • Fixed interest rates of 3.40% 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

Post Office 1 Year Fixed Term Bond

Post Office
  • Great fixed rate for 1 year fixed term
  • Annual Interest Option = 3.27% gross/AER fixed
  • Monthly Interest Option = 3.22% gross/3.27% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • £1 - £9,999 = 2.45%
  • £10,000 - £24,999 = 2.50%
  • £25,000 - £49,999 = 2.60%
  • £50,000+ = 2.70%
  • 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

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • Deposit £50,000+ = 2.70% 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

Post Office 3 Year Fixed Term Bond

Post Office
  • Great fixed rate for 3 year fixed term
  • Annual Interest Option = 3.72% gross/AER fixed
  • Monthly Interest Option = 3.65% gross/3.72% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Post Office 2 Year Fixed Term Bond

Post Office
  • Great fixed rate for 2 year fixed term
  • Annual Interest Option = 3.63% gross/AER fixed
  • Monthly Interest Option = 3.57% gross/3.63% AER
  • Deposit from £500 to £2 million
  • Quick and easy online application with instant account opening
  • Monthly interest option also available
  • No extra deposits or withdrawals after opening
  • Close your Bond early if necessary (breakage fee applies)

Vanquis Bank 3 Year Fixed Rate Bond

Vanquis
  • 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

Vanquis Bank 5 Year Fixed Rate Bond

Vanquis
  • 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

Scottish Widows 3 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 3 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 3.50% 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 3.50% 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

United National Bank 1 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable monthly or on maturity
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

United National Bank 2 Year Fixed Rate Bond

United National Bank
  • Guaranteed rate of interest for full term of product
  • Minimum deposit of £2,000
  • Interest payable:
  • monthly (3.45% Gross)
  • yearly (3.50% Gross)
  • maturity (3.56% Gross)
  • Penalty for early withdrawal
  • Available as sole or joint accounts
  • Up to £85,000 per depositor is protected by FSCS
  • Must be UK resident and 18 years of age or older
  • Must have an account with an existing UK bank
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

The Cambridge 2 Year Fixed Rate Bond

  • Exclusively available to open online
  • Allows you to invest your savings for a fixed term at an interest rate that won't change
  • You need a minimum of £1,000 to open your account
  • Online account management
  • You can add to the balance of your account whilst The Cambridge 3 Year e-Bond Issue 5 remains open to new savers
  • Withdrawals are not permitted during the fixed rate term
  • The Cambridge 3 Year e-Bond Issue 5 will mature on 27th May 2015
  • Interest is calculated daily and paid annually on 31st December or monthly on the last day of the month
  • This is a limited issue - the bond will be withdrawn when fully subscribed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Top 5 ISAs

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
View Full Table >
Cheshire Building Society Direct Cash ISA
3.35%
No
Instant
Min £1,000
Max £5,640
Apply >
More Info
Rate includes a 2.35% AER bonus until 30/11/2013
Virgin Easy Access ISA
2.85%
Yes
Instant
Min £1
Max £5,640
Apply >
More Info
Flat rate, with no bonus period included
Lloyds TSB Cash ISA Saver
2.65%
Yes
Instant
Min £1
Max £5,640
Apply >
More Info
Rates includes 1.65% AER bonus for 1st 18 months

Lloyds TSB Cash ISA Saver

Lloyds TSB
  • Earn a variable rate of 2.65% AER/tax-free.
  • This rate includes a fixed introductory bonus of 1.65% AER for the first 18 months from account opening.
  • Interest paid annually on the 31st March.
  • Save up to £5,640 per tax year.
  • Make withdrawals from as little as £1.
  • Set up regular payments into your ISA from your current account.
  • Manage your Cash ISA Saver through Internet Banking if you're registered.
  • You can transfer your existing ISA into us, with our ISA transfer form.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Cheshire Building Society Direct Cash ISA

Cheshire Building Society
  • Deposit £1000+ and get 3.35% AER (variable) tax-free including a fixed 2.35% AER bonus interest rate, paid until 30th November 2013
  • Deposit £1-£999 and get 0.25% AER only.
  • Easy access to your cash, with unlimited withdrawals and deposits up to your annual cash ISA allowance (transfers from existing ISAs are not permitted)
  • However, you will need to open your account online today with at least £1,000.
  • You will receive a welcome letter with everything you need to manage your account by post.

Virgin Easy Access ISA

Virgin
  • Easy acess virgin e-cash ISA - is a cash ISA that pays 2.85% AER
  • Minimum balance £1
  • Maximum balance £2,000,000
  • Transfers are allowed simply complete a Transfer Authority Form for each ISA you wish to transfer
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme


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Spread Betting

Unlike other share trading options, with spread betting you pay no tax on your winnings.

The spread is the difference between the price you can buy at and the price you can sell at. You would buy (go 'long') at the higher price if you think the market will rise, or sell (go 'short') at the lower price if you think it will fall.

As a spread bettor, you would obviously want the difference between the buy and sell prices – the 'spread' – to be as low as possible, so the market does not have to move far before you are in profit.

To apply for a spread betting account, it's as simple as looking at the Which4U comparison table and finding the account that will work the most for you. Once you've found the one for you, just click apply and start trading.
 

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