Which Bank Account 4u? Current Accounts | Savings Accounts | ISA's

Editors Choice

Alliance Leicester Current Account

Get a FREE £100 if you open an account online! Also receive a £2000 0% 12 month's overdraft facility and 1% AER on your first £2,500 - What a Package!...

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Editors Choice

ICICI Bank offering the highest savings rate in the UK at a staggering 7.20% AER. Act quickly to secure this fantastic rate on your savings from £1,000 to as much as you like for 1 year...

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Current Accounts

Account	AER	Min Bal	O/D Rate	O/D Buffer	Apply
Premier Current Account	1%	£1	0% for 12 mths	£2,000	Apply > [more info]
Get a FREE £100 if you open a Premier Current Account online					Apply > [more info]
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]
Current Account	4%	£1	No Offer	No Offer	Apply > [more info]
Bank Account	0%	£1	0% N/A	No Offer	Apply > [more info]
Under 21's Account	10%	£1	0%	£2,500	Apply > [more info]
(for 16 -20 year olds only)					Apply > [more info]

Alliance Leicester - Premier Current Account

**Get £100 when you open a Premier Current Account online***
The £100 will be deposited into your new account within 15 weeks of applying
Get 1% AER (variable) on balances up to £2,500
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.
FREE annual European travel insurance currently worth up to £60 (upper age limit 65 applies)
You have to pay at least £500 per month into your current account
You must be over the age of 21

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

Lloyds TSB - Current Account

Earn 4.00%AER on balances up to £2500
Receive 0.1%AER on anything over that amount
A Visa Debit Card giving you the convenience of cash-free purchases
Commission-free travel money
Simple 10 minute online application

Barclays - Bank Account

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: 17.9% EAR typical variable*. Subject to status and application. Overdrafts are repayable on demand.

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

Savings Accounts

Account	AER	Notice	Interest Paid	Min Bal	Apply
1 Year HiSAVE Fixed Rate	7.20%	Fixed term for 1 year	On Maturity	£1,000	Apply > [more info]
Instant Access Saver	6.30%	Instant	Annually	£1	Apply > [more info]
6.3%AER on balances £1k+ NO withdrawal Penalties!					Apply > [more info]
eSaver Direct	6.19%	Instant	Monthly	£1	Apply > [more info]
HiSAVE Savings	6.16%	Instant	Monthly	£1	Apply > [more info]
Easy Access	6.05%	Instant	Annually	£500	Apply > [more info]
Savings Account	6%	Instant	Monthly	£1	Apply > [more info]
Websaver Extra	6%	Instant	Annually	£1	Apply > [more info]
Instant Saver	5.75%	Instant	Annually	£500	Apply > [more info]
Internet Saver	5.50%	Instant	Annually	£1	Apply > [more info]
Base Beater	5.05%	Instant	Annually	£500	Apply > [more info]
E-Savings Reward	5.25%	Instant	Monthly	£1	Apply > [more info]
Nest-egg Savings Accounts	4%	Instant	Monthly	£5,000	Apply > [more info]
Active Savings Account	3.75%	Instant	Monthly	£1	Apply > [more info]

ICICI - 1 Year HiSAVE Fixed Rate

Minimum Deposit £1000 - No Maximum!
Deposit for a period of 1 year
Earn an Annual Equivalent Rate (AER) of 7.2%
Online Access allowing you to deposit funds and view your cash at all times.
Access can be given to funds if required but this will reduce the interest rate to 6.75%AER - which is still very competitive!

Abbey - Instant Access Saver

Earn 6.30%AER on all balances above £1,000 (includes a 1% bonus for the first 12 months)
2.75% AER on all balances below £1,000
Withdraw cash as often as you like with NO penalties!
Transfer money between existing Abbey Accounts

Abbey - eSaver Direct

Earn up to 6.50%AER on all balances above £1 and below £250,000 providing NO withdrawals are made in a year
Get 6.19% AER if a withdrawal is made inside 1st year
Earn 6.15%AER on all balances above £250,000
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

ICICI - HiSAVE Savings

Earn an Annual Equivalent Rate (AER) of 6.16%
From 1st of January 2008, our 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

Capital One - Easy Access

Includes 0.8% 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

ING Direct - Savings Account

Savings Rates @ 6.0% AER on full balance
Open with £1 - save up to £1million
No penalties if you withdraw
Over 20 million customers worldwide
Fast and Secure

Halifax - Websaver Extra

6.0% 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+

Post Office - Instant Saver

Get 5.75% AER (includes a 1.0% gross introductory bonus for 12 months from Account opening)
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.

Sainsburys - Internet Saver

5.50% 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

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

Barclays - E-Savings Reward

- Interest paid monthly
- If you make NO Withdrawals in a month you get 5.25% AER (5.13% gross pa*)
- If you make a withdrawal you get 3.17% AER (3.13% 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

Barclays - Nest-egg Savings Accounts

- £5k Minimum Balance Required
- 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

Barclays - Active Savings Account

- Interest paid monthly
- 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
- Easy transfer between your Barclays current and savings accounts
- Optional cash card - withdraw up to £300 a day
- No maximum balance or deposit

Fixed Term - High Interest Savings Accounts

Account	AER	Notice	Interest Paid	Min Bal	Apply
1 Year HiSAVE Fixed Rate	7.20%	Fixed term for 1 year	On Maturity	£1,000	Apply > [more info]
1-3 Year Fixed Term Saver	7.06%	Choose 1,2 or 3 year term	On Maturity	£1,000	Apply > [more info]
2 Year HiSAVE Fixed Rate	7%	Fixed term for 2 years	On Maturity	£1,000	Apply > [more info]
3 Year HiSAVE Fixed Rate	7%	Fixed term for 3 years	On Maturity	£1,000	Apply > [more info]
6 Month Fixed Term Saver	6.86%	Fixed term for 6 months	On Maturity	£1,000	Apply > [more info]
6 Month HiSAVE Fixed Rate	6.30%	Fixed term for 6 months	On Maturity	£1,000	Apply > [more info]

ICICI - 1 Year HiSAVE Fixed Rate

Minimum Deposit £1000 - No Maximum!
Deposit for a period of 1 year
Earn an Annual Equivalent Rate (AER) of 7.2%
Online Access allowing you to deposit funds and view your cash at all times.
Access can be given to funds if required but this will reduce the interest rate to 6.75%AER - which is still very competitive!

Icesave - 1-3 Year Fixed Term Saver

Saving Rates
7.06% AER = 1 Year Term
7.06% AER = 2 Year Term
7.06% AER = 3 Year Term
Interest rates fixed for the term of the account
Choose when you receive your interest
No withdrawals or additional deposits can be made during the term

ICICI - 2 Year HiSAVE Fixed Rate

Minimum Deposit £1000 - No Maximum!
Deposit for a period of 2 years
Earn an Annual Equivalent Rate (AER) of 7.0%
Online Access allowing you to deposit funds and view your cash at all times.
Access can be given to funds if required but this will reduce the interest rate to 6.65%AER - which is still very competitive!

ICICI - 3 Year HiSAVE Fixed Rate

Minimum Deposit £1000 - No Maximum!
Deposit for a period of 3 years
Earn an Annual Equivalent Rate (AER) of 7.0%
Online Access allowing you to deposit funds and view your cash at all times.
Access can be given to funds if required but this will reduce the interest rate to 6.65%AER - which is still very competitive!

Icesave - 6 Month Fixed Term Saver

Saving Rates
6.86% AER = 6 Month Term
7.06% AER = 1 Year Term
7.06% AER = 2 Year Term
7.06% AER = 3 Year Term
Interest rates fixed for the term of the account
Choose when you receive your interest (either on Maturity or Monthly)
No withdrawals or additional deposits can be made during the term

ICICI - 6 Month HiSAVE Fixed Rate

Minimum Deposit £1000 - No Maximum!
Deposit for a period of 6 months
Earn an Annual Equivalent Rate (AER) of 6.3%
Online Access allowing you to deposit funds and view your cash at all times.
Access can be given to funds if required and your interest will still be 6.30%AER.

Tax Free ISA's

Provider	Account	AER	Notice	Deposit Per Year		Apply
Provider	Account	AER	Notice	Min	Max	Apply
	Direct ISA	6%	Instant	£1	£3,600	Apply > [more info]
	Index-Tracking ISAs	6%	5 years	£500	£3,600	Apply > [more info]
	Share Trading ISA	0%	Instant	£1	£3,600	Apply > [more info]
	Climate Change ISA	N/A	Instant	£100	£7,000	Apply > [more info]

Abbey - Direct ISA

Save up to £3,600 in the 2008/09 tax year without paying any tax on the interest
Get 6.00%AER for 13 months from account opening
After 13 month intro rate reduces to:
£1 - £9,000 = 4.75%AER
£9,000k + 5.00%AER
Pay-in/Withdraw via Abbey Branch, Online, and Telephone

Legal & General - Index-Tracking ISAs

Index-tracking ISAs (sometimes called tracker ISAs) aim to produce a return in line with a market or sector, for example, Europe or technology.
You can Manage your investments online.
You can Choose from 9 index-tracking trusts to invest in.
Get unlimited returns from your investments - up £3600 per year Tax Free! After this point you will have to pay tax.
Warning: MARKETS CAN GO DOWN - INVESTMENTS CAN DECLINE IN VALUE

TD Waterhouse - Share Trading ISA

TD share dealing ISA puts you in control of your investments
You can choose from a wide range of investments including UK and international stocks and over 1,800 unit trusts from many of the best known fund providers.
No annual admin fee on an account if valuation of £3,600 or above.
You can benefit further as the Self Select ISA is a tax efficient Investment with any returns free from Capital Gains Tax.

Virgin - Climate Change ISA

***To speak to Virgin ISA's please call 08456 10 10 39***
The Virgin Climate Change Fund is an environmental fund with a difference, investing in businesses Virgin believe have the potential for outstanding profit growth who are environmental leaders in their industry.
Invest up to £7,000 a year tax-efficiently through a Virgin ISA. You can invest more than this through a Virgin Unit Trust.
Pay in lump sums from £100 (your first lump sum must be at least £500). Or you can set up regular monthly savings, from £50 upwards.
You can stop, start or change your payments at any time without penalty.
24 hour online service lets you keep track of your savings, make payments online, and change payments and other details.
No notice periods – you can get at your money whenever you want.

Business Current Accounts

Account	AER	Free Banking Duration	Interest Paid	Offer	Apply
Business Account	8%	for Unlimited	Monthly	FREE day-to-day banking forever	Apply > [more info]
Free Business Current Account	5.73%	for Unlimited	Monthly	Free day to day banking & 5.73% interest on credit balances	Apply > [more info]
New Business Start up Account	2.75%	for 18 mths	Monthly	18 months FREE business banking	Apply > [more info]
Business Builder Current Account	0%	for 24 mths	Monthly	2 years FREE business banking with NO charges	Apply > [more info]
Established Business Switch Account	2.75%	for 6 mths	Monthly	Move your existing Account & Get 6 months FREE banking	Apply > [more info]

Abbey - Business Account

CALL 0845 606 0875 TO APPLY
8% AER for the first 12 months on balances up to £2,500 when you use the Account Transfer Service
Free day to day banking includes:
- Unlimited direct debits, standing orders and bill payments
- Unlimited debit card payments
- Unlimited automated BACS credit
- Unlimited transfers between linked Abbey accounts
- 100 cheque deposits per month
- 100 cash and cheque withdrawals per month
- £3,000 in cash deposited per month
Competitive tiered interest rates on credit balances, calculated daily and paid monthly, currently up to 3.00% AER
Operate the account through the internet, by phone, by post and ATMs
Cheque book, paying in book, debit card and regular statements
No monthly charge
No minimum balances
No minimum amount required to be paid in each month
Free access to Relationship Managers as your business grows
Authorise others to operate the account on your behalf

Alliance Leicester - Free Business Current Account

Awarded ‘Best Business Current Account Provider’ for 6 years year running
Earn a market-leading 5.73% AER* (variable) credit interest on balances up to £1,000.
FREE & UNLIMITED day to day banking:
FREE & UNLIMITED Direct Debits
FREE & UNLIMITED standing orders
FREE & UNLIMITED automated transactions
FREE & UNLIMITED cheques issued and deposited
FREE cash deposits up to £4,000 each month, then it is just 35p per £100
Bank online, over the phone or via the post, plus you can pay in or withdraw money at any Alliance & Leicester branch or Post Office.
Free online practical business advice, in conjunction with BusinessLink.

Lloyds TSB - New Business Start up Account

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'.
You can stay on same tariff and earn credit interest at the Bank of England base rate less 2.5 percent.

Alliance Leicester - Business Builder Current Account

2 years FREE business banking
No minimum balance of funding requirements
No standard transaction charges
FREE Internet business guidance service
FREE legal and tax advice
Bank by Internet, fax, phone or at 14,000 Post Offices

Lloyds TSB - Established Business Switch Account

Smooth move guaranteed or £50 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'.
You can stay on same tariff and earn credit interest at the Bank of England base rate less 2.5 percent.

Business Savings Accounts

Provider	Account	AER	Deposit		Interest Paid	Apply
Provider	Account	AER	Min	Max	Interest Paid	Apply
	Business Savings Bond	6.75%	£30,000	£2,000,000	On Maturity	Apply > [more info]
	Corporate Premium Deposit Account	5.38%	£1	£50,000,000	Monthly	Apply > [more info]
	Instant Savings	5.16%	£1	£2,000,000	Monthly	Apply > [more info]

Abbey - Business Savings Bond

**Call 0800 783 6911 to find out more..**
(This offer is only available over the phone)
One Year Fixed Rate Business Bond.
Enjoy the certainty of a guaranteed high rate of interest for your surplus cash.
Tiered interest rates from £30,000+

Bank of Scotland - Corporate Premium Deposit Account

Current rate 5.38% AER variable
The rate will be 0.25% above base rate guaranteed until Jan 2010 if account opened by Dec 2008
Interest calculated daily and paid monthly
Have Instant Access to your funds
Minimum Opening balance £1.
Maximum balance £50m (higher amounts accepted at Bank's discretion)
Apply online or over the telephone
Transactions can be made by CHAPS (standard charges apply), Cheques and Electronic Transfers
Free standard corporate internet banking

Alliance Leicester - Instant Savings

Earn up to 5.16% AER* (variable) on your business deposits
Deposit any amount up to £2 million
Tracks the Bank of England base rate to ensure a competitive return
No notice deposit account, with direct access to your funds
Manage your business savings account online, and via phone, fax, and post

Latest Industry News

Will the high interest savings accounts boom continue?: You only have to walk down the high street to notice that these days the banks and Building societies are crying out for you to deposit you money with them. Only 12 month’s ago ...

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Editors Choice

Alliance Leicester Current Account

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