(Updated 20:00 Monday 8th December 2008)
All the savings accounts below have interest paid yearly and are for
new investors. The rates quoted are Gross. Cash ISA's are tax free,
of course. Many banks and building societies offer EVEN BETTER rates to
existing customers of long standing.
It's been said before but we say this to protect you:
subject to change without notice. Please check all rates and terms before
investing. This is because some rate changes are announced very
quietly and a few of the account terms relating to the rates we
quote are quite complicated and onerous.
Internet Only Accounts
|ICICI Bank UK
Instant Access accounts let us get at our money in an emergency and
can often provide as good a return as accounts where a notice period has
to be given before withdrawal.
However, we will include exceptionally good high rate notice accounts.
Instant Access (and High-Rate Notice) Accounts
||5.51% (Withdrawal conditions apply)
||0161 833 8015|
||Balance Builder Issue 1
||0845 634 3760
||Sleep Easy Saver
||0115 956 4616|
|Anglo Irish Bank
||Easy Access Deposit Issue 2
||0845 455 2222|
Being Tax-Free, Cash Individual Savings Accounts can offer very
good rates of interest. However, ISA's have rules and standards set by the
government that dictate how you can use the account. You must
get all the facts from the ISA provider and read our excellent and
to...Understand ISAs page before you invest.
The following "Regular Savings Accounts" table refers to regular
payments in, as opposed to regular interest out, per month, and for an
individual, rather than a couple. The rates are generally excellent and
the payments easier and less painful to make.
Take heed of the withdrawal terms and conditions of each account
because each account is unique. Note also that most of the rates for
regular savings accounts include a bonus, typically 3%, for complying with
their withdrawals policy, which may be lost if the account is
closed or too many withdrawals are made.
Here's the latest:
Regular Savings Accounts
||£10 - 250.
||12 month term
||Only by closure
||0845 850 1722|
||£10 - 1,000.
||No minimum term
||Maximum 2 withdrawals or 1.5% bonus is lost
||0845 850 1722|
Regular Saver Issue 5
|4.55% if 11 out of 12 monthly payments are made
||£25 - 500.
||Max. 2 withdrawals per year or closure.
||0800 195 15 14|
|4.75% if 11 out of 12 monthly payments are made
||£10 - 500.
||Not in the first year.
All the monthly payments for the unsecured personal loans listed
below are based on £5,000 over 3 years.
Monthly payments with Payment Protection Insurance is no longer included as it can often be expensive and inappropriate for the customer's needs.
Unsecured Personal Loans
|Your Personal Loan
||see web site|
||7.9% (Depending on credit rating)
||0870 154 0154|
||via web site; existing customers only|
||visit web site|
The rates for credit cards, below, apply to balance transfers only,
not purchases, and last for a short period until they revert back to the
We show rates for balance transfers instead of purchases
as this type of usage is more conducive to managing debt.
All the ones we include do not charge for transferring debt. If you do charge, you won't get listed.
Credit Cards (Balance Transfers)
||0% No Balance Transfer Fee.
||Up to 6 months
from date of transfer
|0845 602 1582|
Copyright 2000 - 2008 ©Kevin Anthony Jones. All rights reserved.