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best buys

SAVINGS & DEPOSITS

Our best buys tables are designed to highlight products that we feel are good value or worthy of consideration. They are not necessarily the products with the highest interest rates as products may be included for other reasons such as access facilities and withdrawal conditions.

If you see a product that is of interest, you should use the interactive search facility to check that the product is available for your own individual circumstances and matches your requirements.

Current accounts
Provider	Account Name	Credit Rate	Amount	Authorised Overdraft	Details
Abbey	The Abbey Account	8.00%	£1+	19.9%	Credit the account with at least £1,000 per month you will receive 8% AER on balances up to £2,500 for 12 months.
Alliance & Leicester	Premier Direct Current Account	8.50%	£1+	N/A	Rate fixed for 1 year and applies if account is funded with at least £500 per month on balances up to £2,500.
Coventry BS	Coventry First	5.60%	£1+	N/A	Rate guaranteed to be 0.60% AER above Bank of England Base Rate for one year from account opening and will apply if account is funded with at least £1,000 per month.
Halifax	Ultimate Reward Current Account	5.12%	£1+	19.5%	Rate applies on balances up to £2,500. For a monthly fee of £12.50 customers can receive benefits which could be worth more than £800 in total.
Lloyds TSB	Classic Plus Account	4.00%	£1+	18.9%	Rate applies if account is funded with at least £1,000 per month on balances up to £2,500 for 1 year.
Norwich & Peterborough	Gold Current	4.02%	£1+	7.7%	Rate shown applies if account is funded with at least £1,500 per month on balances up to £5,000.

Instant access accounts
Provider	Account Name	Interest Rate	Amount	Access	Details
Abbey	eSaver Direct	6.50%	£1+	Instant	Internet operated account. Rate includes a bonus of 0.75% payable for 12 months from account opening.
Alliance & Leicester	eSaver	6.50%	£1+	Instant	Online account. Rate shown includes a bonus of 0.88% payable until 31/08/2009. Interest paid monthly.
Bank of Scotland	Instant Access Savings Reward	6.50%	£1+	Instant	Option to make 4 withdrawals during the 12 month reward period.
Birmingham Midshires	e-Saver	6.52%	£1+	Instant	Internet based account. Interest paid monthly.
Bradford & Bingley	Internet Saver	6.51%	£1+	Instant	Internet operated account. Rate guaranteed to match the Bank of England Base Rate until 01/01/2010.
Kaupthing Edge	Savings Account	6.50%	£100+	Instant	Internet based account. Monthly interest. Rate guaranteed to exceed Bank of England Base Rate by at least 0.30% (gross) until 01/02/2012.

Notice accounts
Provider	Account Name	Interest Rate	Amount	Notice	Details
Anglo Irish	7 Day Notice	6.55%	£1+	7 days	Rate guarantee until 01/01/2010. Withdrawals subject to 7 days notice or 7 days interest penalty for immediate access.
Bradford & Bingley	My Time Notice Saver	6.10%	£1000+	30 days	Postal operated account. Withdrawals subject to 30 days notice or 30 days loss of interest on the amount withdrawn.
Chelsea BS	90 Day Notice	6.50%	£250+	90 days	Rate guaranteed to be at least 0.50% above Bank of England Base Rate until 10/07/2009.
Derbyshire BS	Postal 60 Triple Guarantee	6.55%	£250+	60 days	Postal account. Rate guarantee until 30/06/2010. Maximum of 4 withdrawals per calender year subject to 60 days notice.
Heritable Bank	60 Day Notice	6.60%	£1000+	60 days	Rate guarantee until 01/05/2011. Withdrawals require 60 days notice or immediate access is allowed subject to 60 days loss of interest. Maximum of 4 withdrawals per year.
Whiteaway Laidlaw Bank	60 Day Bonus	6.56%	£1000+	60 days	Rate shown includes a bonus of 1.00% for the first 12 months. Withdrawals are available subject to 60 days notice.

Term accounts
Provider	Account Name	Interest Rate	Amount	Access	Details
Anglo Irish Bank	Fixed Rate Bond	7.06%	£500+	9 mths	Additional deposits are not permitted. Early withdrawals are allowed in the case of emergency and are subject to 60 days interest penalty.
Bank of Cyprus	Fixed Rate Bond	6.61%	£1+	6 mths	No further deposits or withdrawals allowed.
Birmingham Midshires	Internet Fixed Rate Bond	7.01%	£1+	1 yr	Operated via the internet only. Additional deposits allowed. No withdrawals and closures will not be allowed during the term of the bond.
FirstSave	Fixed Rate Bond	7.10%	£1000+	2 yrs	No further deposits or withdrawals allowed.
Icesave	Fixed Rate Savings	7.06%	£1000+	2 yrs	Internet operated. No additional deposits or withdrawals.
Kaupthing Edge	Fixed Term Deposit Account	7.15%	£1000+	3 yrs	Telephone and Internet operated account only available if a Kaupthing Edge Savings Account is already held in the investor's name.

Cash ISA accounts
Provider	Account Name	Interest Rate	Amount	Stakeholder	Details
Barclays	Tax Haven ISA	6.25%	£1+	No	Rate includes a bonus of 1% payable for the first 12 months.
Dunfermline BS	Regular Saver Cash ISA	6.60%	£10+	No	Regular savings ISA with variable rate until 31/03/2009. Withdrawals permitted subject to 180 days loss of interest.
First Direct	Regular Saver ISA	7.00%	£25+	No	1 Year Term only available to First Direct Current Account holders. No withdrawals allowed.
Halifax	Fixed Rate ISA Saver	6.20%	£500+	No	One year term. No withdrawals allowed. Early closure subject to 180 days loss of interest.
Skipton BS	Fixed Rate Cash ISA	6.54%	£50+	No	Fixed Rate Cash ISA maturing on 14/12/2009. Withdrawals are allowed subject to a penalty of 90 days loss of interest.
Yorkshire BS	Fixed Rate Anniversary ISA	6.30%	£100+	No	One year fixed rate bond. No withdrawals allowed. Early closure subject to 90 days loss of interest.

Regular savings accounts
Provider	Account Name	Interest Rate	Monthly Amount	Details
Abbey	Fixed Rate Monthly Saver	7.25%	£20 - £250	Fixed interest rate guaranteed for 12 months, If less than £20 is paid in, a payment is missed or a withdrawal is made, the rate applied to the whole of the balance will drop to 0.10% AER for that month only.
Alliance & Leicester	Premier Regular Saver	12.00%	£10 - £250	Only available to customers who open a new Premier Current Account and have not held any other Alliance & Leicester current account in the last 3 months.
Barclays	Monthly Saver	7.75%	£20 - £250	Rate fixed for 12 months. Withdrawals will result in a reduced rate.
Chorley & District BS	Santa Saver	8.25%	£1 - £150	One year term. No withdrawals allowed.
Norwich & Peterborough	Gold Savings Account	8.00%	£20 - £250	Only available to customers who have a Gold Current Account into which at least £1,000 must be paid every month for 12 months.
Principality BS	Regular Saver Bond	7.00%	£20 - £500	Bond will mature on anniversary of account opening.

Childrens accounts
Provider	Account Name	Interest Rate	Amount	Access	Details
Abbey	Children's Savings Bond	6.10%	£1+	180 days interest penalty.	4 Year Term. No further investment allowed to existing bond but another bond can be opened if required.
Britannia BS	Child Trust Fund	7.00%	£250+	No withdrawals until child is aged 18.	Rate includes bonus of 1.25% payable for 2 years for accounts opened before 31/12/2008.
Chelsea BS	Ready Steady Save	5.45%	£1+	Instant	Under 15 yrs old.
Halifax	Childrens Regular Saver	10.00%	£10+	No withdrawals	Under 16 yrs old.
Scarborough BS	Childrens Savings Bond	6.00%	£5+	One instant access withdrawal per year	3 year term regular savings account for children up to age 18.
Yorkshire BS	Treasure Bond	6.30%	£100+	Closure only subject to 90 days interest penalty	1 year bond for children aged up to 12 years old.

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