Card One Banking is a guaranteed banking facility that is open to anyone*, irrespective of your current situation or past credit history. There are no credit checks!

Card One Banking can help you manage your money so you can keep track of your payments or standing orders. Even if you can’t pay an item, Card One Banking won’t charge you a bounced payment fee, but will let you know in good time. Card One Banking ensure all your bills are paid on time and give you a Prepaid MasterCard so you can keep control of your day to day spending.

After all of your bills are taken care of, the remaining balance from your wages can be moved to your Prepaid MasterCard card. This process can be automated once the account is setup, using your online account management centre to create “rules”. These rules tell the system what percentage of your wages should be placed in your bills account or on your Prepaid MasterCard card as spends. You will be able to manage these rules yourself to match your requirements. We will help you with this when you call to activate the account. The Prepaid MasterCard card works in a similar way to a Pay As You Go mobile phone top-up card, but has the convenience and functionality of a debit card.

Online Banking

An online banking facility also makes monitoring your account easier. You can view balances, check transaction history and print statements 24 hours a day, 7 days a week.

Automated Telephone Banking
New automated telephone banking service allows you to check you balance, load your card and activate your new cards automatically and within seconds.  You can also speak to a customer account manager in our customer contact centre for account information and for answers to any queries you may have.

Mobile Banking
You are able to access your account on the move using our Mobile Banking service, checking your balance and loading funds to your MasterCard by simply sending a text message (SMS).

                          

Halifax has brought forward a new range of investment options, the Halifax Ultimate reward current account which carries plenty of loyalty programmes and value added benefits. You can now enjoy great benefits of ₤12.50 per month with 5 pounds payout in each month you pay in 1000 pounds.

What you will get with Halifax Ultimate reward?

Overdraft fees up to 300 pounds carries no fee for you but above the limit can entitle you to an overdraft fee calculated per transactions. Additional benefits accumulate as worldwide travel endowments and hospitality reward points. You are also eligible for family travel insurance, AA breakdown cover and mobile phone insurance. The insurance policy for mobile phones cover the amount incase of loss, accidental damages or theft. 5 pounds is credited into your account if you pay 1000 pounds each month into your account. Your Halifax reward account also comes with great value added services like 15% discount on car insurance, home and content insurance. You are credited with 150 pounds when you take out a First time buyer or mortgage deal. Your home is likely to be repossessed if you don’t abide by your mortgage payments each month. You are also provided with an Ultimate Reward discount card which supports great discounts on products including 20% off on car rentals and Avis.

What are the standard features of Halifax reward account?

You are provided with Halifax visa debit card which can be supplemented with great buys, everything and everywhere. You are also eligible for availing instant cash from cash machines up to a limit of 300 pounds with available mini statements and transaction details, topping up your mobile. You can have access to our branches and avail 24 hours of net and phone banking. It’s a secured medium to pay in your salary and other credit functions.

How to switch your main current account to Halifax?

You can make your transactions simpler by availing Halifax switching service to switch your current account to Halifax reward current account. If you switch your current account to Halifax reward, you are eligible for 90 days grace period for overdraft fees. After that normal rates for overdraft will apply. If you open a main current account in Northern Island and switch your current account to Halifax, you will receive 120 days fee free overdraft charges. For more details on your switching option, you can always call at our specialized switching team hotline.

                          

Once you become a Natwest advantage gold credit card owner accompanied with the Advantage Gold Account, automatically you can enjoy privileges at a minimal amount of ₤80 after a year.

The advantage gold bank account provides a lucrative package for the customers. The more amount of money you are going to spend on your purchases, the more you would be able to receive. Henceforth, the amount of money you are supposed to get back after one year will entirely depend on the average monthly expenditures and purchases made with your account. However, this offer is applicable for the period of initial twelve months only.

Features and Benefits:

Being a card holder of the Natwest advantage gold account, you will be rewarded with some of the benefits, such as-

Moving the funds into a bank account:  You can transfer all your savings from the gold credit card to any bank account of United Kingdom according to your wish. You only need to bear the hardship of paying your money transfer rate from the estimated date of transferring. It also charges a minimal transfer rate of just £250.

Cash Advance: The Natwest advantage gold credit card provides you the facility of accessing £300 per day from any ATM machines all over the world. However, the amount that you are going to withdraw from your savings account will solely depend on your credit limit, along with a 3% handling fee.

By using the advantage-gold account, now you can save approx ₤702 on multiple services, such as, car and home insurance policies, mobiles, traveling and various others. You will be further facilitated with 25% and 10% discounts on home and car insurances respectively. You can even get an extended warranty of twelve months on all the electrical goods at your home.

The NatWest account eminently provides commission free travel funds and free home deliveries according to your utmost convenience.

Again, a large some amount of ₤10,000 will also be provided in any sort of mishaps, like accidental deaths.

Apart from all these, you will be exempted from paying any kind of interest rates on all purchases for the preliminary six months after opening the account. If you are successful in paying all your balances in full, within the scheduled period of time you will be able to access 56 days of interest free period on all the purchases.

In order to access all these above mentioned privileges of the Natwest advantage gold credit card, an individual must be over 18 and his/her income must surpass £10,000.

                          

The newly launched NatWest ISA account is truly the need of the hour. It proffers a tax free interest scheme accompanied with fast transfers from your cash ISA to other NatWest accounts. Resembling with the other services of the bank, NatWest ISA account also exempts an individual from charging any penalty fee for cash withdrawals. However, it should be noted that a person can only deposit up to maximum limit of £5100 for the entire tax year.

According to the regulations of United Kingdom, banks are supposed to lock an individual’s account if he/she fails to make any deposit for the entire year. Hence, the NatWest ISA bank through its re-activation form permits you to pay money into the cash ISA once again. Now, the more an individual will save, higher the rate of interest he/she is going to earn. In order to access this dispensation in a proper manner, you only need to complete the form and post it in any of the local branches of NatWest around your neighborhood.

The online facilities further assist to manage your NatWest ISA account in the most convenient way. Even the phone, postal and in-branch facilities are widely available.

According to the Cash ISA for the contemporary tax year 2010/2011, you can now earn 0.50% to 2% of AER with instant access. You can also possess the liberty of transferring your existing ISAs according to your wish.

Nowadays, the entire procedure of transferring your NatWest ISA cash or cash ISA-TESSA funds from other providers is pretty simple for the customers to follow. The only prerequisite being that you are supposed to complete a transfer form and need to bring it to your local branch.

After receiving the transfer request, you will be provided a maximum of 30 days or the said notice period to send all the ISA duties to the NatWest bank. This period has been utterly stipulated within the ISA Regulations, the revenue of the Majesty and the Customs department.

If an individual is already involved in NatWest online banking facility, his/her Cash ISA can be opened instantaneously. Again, if you are new to NatWest ISA account, the latter will send all the official paperwork and identification documents within few days. And once the bank receives those documents and approves it, you are all set to access the Cash ISA and enjoy all its concessions in an effervescent manner.

                          

Lloyds Classic account delivers the best of the opportunities a customer can avail in the name of daily banking experiences. Lloyds accumulates the saving plans with features that help account holders on the long run. The savings Classic account can be upgraded with “Vantage” features further, to enjoy high end current yet free banking privileges.

The benefits provided by Lloyds Classic current account

Customers yield the most out of “free banking” service. Llyods is credited for providing its both intending and existing account holders, with absolute and free daily banking options. This indicates that you can conduct transactions as per your needs without having to pay for them in return.

You get to own a Lloyds TBS Visa debit card. Customers have the discretion to use it in 500,000 cash withdrawing outlets within the country. Apart from domestic usage the card is recognized in about 27 million overseas outlets. You can even make use of it while conducting online purchases.

The options of internet banking and tele-banking are lucrative enough for the fast moving generations. Through PhoneBank, as the Lloyds Classic current account providers would like to call it, you can place queries and demands at the customer service center.

Interest over minimum account balances ranging from £5,000 to £7,000 is about 4.00% approximately. Lloyds Classic allows the customers to reload their amount in case of overspending. You need to refill the account on the same day with the adequate amount, within 3:30pm to prevent overdraft charges.

Account switching is a peaceful experience with Lloyds. One can shift their Direct Debits and any other existing account balances into the current account option without hesitation. Even standing orders get transferred and you don’t have to run about to make sure about the procedures.

To keep your current account active you will have to load a minimum amount of £1,000 each month. In addition to this, maintaining a steady credit reputation is mandatory. You can still earn interest benefits with connecting the Vantage conditions to your account. But the benefits are levied on an existing account balance of £7,000 and above.

Clients maintaining a low account balance option can avail the Plus scheme to get 2.50% on existing account balance up to the limit of £2,500. To get access to ways of controlling your daily expenditures, the account providers have formulated the “Control” plan. You need to pay £10 each month to switching this unique alert system. Llyods Classic current account application forms are available in the official site along with tele-banking phone details and internet banking informations to cater to specific customer requests.

                          

ClearCash PAYG Review

The ClearCash PAYG card, also known as  ClearCash2, is the most recent card launched by ClearCash, part of the ClearDebt Group.

After gaining immense creditability in the prepaid market, ClearCash has now introduced a Pay As You Go option for clients looking for an alternative to their existing Pay Monthly offering.

ClearCash again impress the market by their transparency in making fully available all details of card fees by way of a dedicated FEE page on their website.

With a purchase price of £4.50 (£5.00 by sms), ClearCash PAYG has NO MONTHLY FEE and transaction fees of just 2.5%. Along with this are ATM fees of £0.75 which is 50% cheaper than most other prepaid card providers, proving to be a very cost effective solution for many.

The ClearCash PAYG still offers clients the unique BudgetMaster. BudgetMaster is an online budgeting tool which helps you stick to your planned budget. Helping many of their clients re-evaluate their budgeting skills and  manage their finances more successfully, this has been a key benefit attached to this card.

The ClearCash customer service team takes a “hands on” approach and offers clients care through a free livechat service as well as the standard customer care number.  In addition to this, they have an interactive FAQ feature on their website and an on out office “on call” service for any emergencies clients may have out of normal working hours.
It is often said that a good leader is one who can listen as well as they can talk, and at ClearCash, this is something they excel in.  Most recently, they have introduced a cheque cashing service due to customer feedback that this was a feature ClearCash clients would like to have.  The team there are very pro-active and welcome any thoughts or suggestions from clients which will help develop ClearCash to ensure it provides everything possible within this financial money management facility.

                          

Are you intending to go for a new credit card? Natwest Platinum Credit Card is the most trusted and established card that will never let you down, You’ll need to be aged 18 or over and have an income of at least £10,000 to get the Platinum Credit Card.

Inside The Deal

Natwest Platinum Credit Cards offer a transfer your existing balance service and pay 0% for 16 months. Plus you could pay 0% on your purchases for 3 months from account opening, making it the best balance transfer deals in the current market place.

With the Natwest Platinum credit card it is ideal for people that travel, or plan to take a holiday as you will be able to enjoy discounts on air tickets to hotels, as well as brochure holidays when you book a holiday through the Natwest Travel Service. Plus with the travel support helpline you can speak to someone if you ever become ill or have an accident whilst abroad on the emergency medical service.

Natwest also offers travellers peace of mind with a Travel Support helpline and an emergency medical service if you ever become ill or have an accident whilst abroad

What’s The Verdict? Top Tip

The Natwest platinum card offers a range of security benefits including Internet fraud guarantee and Natwest secure for all online purchases. In addition you can sign up for a get free fraud text alert service which will notify you if they spot issues with your account.

Like with all credit cards you get a full online account service so your money will be well looked after with Natwest.

Keep your credit history in good shape. All credit providing services are going to scan through your credit history before they consider you to be eligible for holding credit cards. So you need to get analyzed on credit score from any credit agencies like Equifax, Experian or Callcredit before finalising on a credit card.

                          

With your RBS Standard current account you can always expect more than banking. With ease of financial transactions and online banking facilities you cannot expect more. The account has been modified keeping in mind individual needs. The account gives lots of benefits to the customers.

Benefits earned through the account:

No monthly subscription charges are levied for online banking transactions.

There are no charges on renewal or overdrafts up to 15000 pounds. Moreover there is no interest rate charged for amounts up to 100 pounds. You can now save on your mortgage bills. Use your interest paying RBS Standard current account to save huge money.

Your card is well accepted at almost all the cash machines in UK. You can also purchase goods from stores across the country wherever the logo is portrayed. You can also be benefited from online banking services and net banking.

Now your travel is further simplified with availability of cash from thousands of cash machines overseas. You can further buy goods from outlets where the logo is portrayed. With your RBS Standard current account you can access monthly statements or mini statements from ATMs. Your standard current account also pays you interest every month which is credited to your account.

Financial thresholds:

Interest is calculated with respect to each day and credited into a person’s account usually the day after the balance statement is sent.

There is also an arranged overdraft facility to the amount of 15000 pounds which comes free of charge. Arranged overdraft above 15000 pounds involve arrangement fee of 2% of amount and 1% of the amount is levied for renewal charges annually.

A default notice fee of 30 pounds is fixed if you fail to payback the overdraft or in case of late payments.

Who can apply for a RBS Standard current account?

The account is open for an individual whose age is 18 years above. It is recommended that you keep your identity proof, address details and employment particulars in hand to avoid unnecessary delay in account opening.

Switching your bank account has never been that easy:

Our specialist notification team will inform you when your applications have been received. Advice of your direct debit companies and notification of your current account details will also be taken care of. The institution will also notify your bank to cancel your payments and close your account to transfer money to your new formed account.

RBS will take full responsibility and guarantee in coordinating transfer of payments from your designated bank account to your new account without any extra charges. Your transfer will be hassle free and within legal limits.

                          

If you possess the fervent desire of receiving regular deposits, then the NatWest Student account can certainly be regarded as your main bank account. In order to be entitled for this interest free overdraft, using this account as your primary one is mandatory. In this process, you will be able to earn three debits per month and at least one credit at every three months.

What are the various features and benefits of the NatWest Student account?

Whether you want to go for a vacation or just enjoy the weekend along with your friends, the 16-25 Railcard endows with a lucrative savings option.  It provides you with 1/3 off at most of the rail fares of United Kingdom. The 16-25 Railcard comes up with a validity of five years and at a minimal cost of only £130. However, an individual can also apply for a free 16-25 Railway card if he/she possesses a NatWest Student account. You will be further facilitated with the opportunity of renewing your account each and every year.

Again, just by activating your Student Discount Card, you will be able to bag savings on some of the top notch brands of UK. It includes- Game.co.uk, New Look, 3 mobile and similar other sort of establishments.

By accessing the NatWest Student current account, you can also apply for an interest free overdraft of nearly £1,000 in the first year. However, in order to sustain your overdraft in an effervescent manner it’s ardently necessary to follow all the rules and regulations regarding the various credit and debit transactions implied by the bank.

The NatWest Student credit card generally offers a credit limit of £500. It also provides an interest free credit for a span of 56 days, further making it as an indispensable object amongst the daily necessities. By using this credit card, you can also enjoy massive discounts on various trendy gadgets, CDs, travel guides, sports gears and on a whole lot of commodities.

The NatWest Student account also facilitates a person with mobile phone top-up facilities from all NatWest cash machines, exhibiting the top-up logo. Even a flat discount of £100 is also widely available on the retail price of selected ASUS laptops.

All of these above mentioned privileges can only be enjoyed, once you surpass eighteen years of age and your A-level results are out. Thus, soon after fulfilling all these requirements you can now visit your local branch accompanied with the confirmation of your university place.

                          

RBS Credit Card

Royal Bank of Scotland can be undoubtedly termed as one of the most renowned and popular building societies of United Kingdom. It has always been a leading ambassador and played a fundamental role in initialising various financial policies in an effervescent manner.

RBS credit cards can mainly be distinguished into three categories – black card, Platinum card and Classic card.

The RBS Black credit card plays a pivotal role in reducing both credit card debts and the expenditures of our daily lives. A maximum number of 56 days have been allocated for the purchases if an individual pay his/her total balance within the scheduled period of time. However, there hardly exists any interest free period on cash withdrawals and balance transfers. It further offers the privilege of 0% facility on balance transfers and purchases for a fixed time period.

In a recent research it has been speculated that nearly two third of the credit card holders transferring 0% balance, has been successful enough in paying interest. With the advent of the RBS credit cards, paying massive interests is no longer a problematic issue.

In order to apply for the RBS credit cards, an individual must be eighteen years or above age and should definitely possess an annual income of more than £10,000 for the Classic card, £25,000 for the Platinum card and £75,000 for the Black card, accompanied with an exceptional credit history.

Again this card can also be used abroad as it deals with lower usage fees compared to the other ones. You won’t be charged with any kind of commission fee, while traveling in European countries and even in the Middle Eastern countries like Israel and Turkey only a standard 2.75% transaction charge while purchasing abroad, and including purchase of foreign currency and travellers’ cheques.

These credit cards are truly ideal not only for everyday spending, but also for paying balance transfers from any part of the world.

                          

Perhaps the very definition of online banking has been utterly transformed by the NatWest e saver account. It eminently presents a flat interest rate in front of the customers and unlike others it always remains the same, no matter how much you save. It also does not charge any kind of penalty fee while withdrawing money from your savings account.  You can even start your saving at a minimal amount of £1 as there hardly exists any kind of minimum balance. Apart from this, all your monthly interests will be directly paid into your account without any sort of adversities.

Again, there is absolutely no necessity of possessing an existing NatWest account. In case, you have one, it will efficiently transfer your money from the NatWest e saver account to the others. It can even arrange for a frequent and regular transfer of your money from any other NatWest account.

Exploring the various traits of the recent technological innovations, the NatWest bank provides ample opportunities of tracking and setting up your own personal saving goals with the assistance of online banking in a vivacious manner. Whether it be purchasing a brand new car or depositing on your first home, acquainting with a proper savings goal will always aid you by each and every means possible.

The NatWest e saver, being an online savings account endows with an innumerable number of advantages associated with online banking. Now, a person can take full control of his/her savings at ease and can even perform it much faster just by sitting in front of the PC. The online facility is prevalent 24*7 and further provides you with convenient privileges. Now, you don’t need to ruin the lunch hour from your busy schedule and bear the hardship of traveling. With online banking, you can access your account at anytime and from anywhere according to your convenience.

With the NatWest e saver account, you can browse through and check all your latest transactions as soon as you are logging in. You can even search the history of your past transactions, going back up to seven years. Or else, you are also provided with the facility of simply checking your interest rate.

Again, by accessing the Quick Transfer Box, you can now transfer all your savings from one NatWest account to another.  You will also be guaranteed with top notch security service which consists of active fraud protection and Rapport software for your PC and card reader.

                          

NatWest regular current account or NatWest Current Plus account gives the user a rare benefit to enjoy free current account services. Along with the option of owning a free account, one can rejoice about being able to handle a visa debit card too. According to the customer’s eligibility quotient, he or she can get access to overdraft usages.

Who can apply for this regular current account?

Customers thinking about applying for NatWest regular current account should be at least 18 years old and should be a resident of UK. Apart from this, the applicant must provide his or her personal details. These might include residential proofs, credit history details and similar other referential documents. One can choose to show their passports or even their driving license in these cases.

What are the Benefits that come along with this regular current account?

The customers applying for this regular current account services can benefit mostly from its free banking opportunities. This would mean that an account holder is redeemed of paying all kinds of monthly subscriptions. Along with this, the flexible system of direct debits and standing orders allow the client to pay off bills faster than ever.

What are the best ways in which a customer can manage his regular current account?

Banking privileges cannot possibly score better than what Natwest provides you! The institution has about 1600 branches all across the UK. This enables the customers to evaluate and follow up with their financial status from time to time according to their individual choices and needs. The option of round the clock banking helps one in checking their hours even in the wee hours of the day.

Natwest also facilitates telephonic banking systems. You can dial up in any of the call centers and learn more about your financial possibilities. That is not all! In order to give the most to customer, Natwest brings along the unique mobile phone banking system. Now, one can check out their balance details from their mobile handsets.

More plus point of the regular current accounts

Natwest gives its customers, out of the box experiences. You will thus have the right to own a customized cheque book – a vital means to pay off those immediate bills. You also have the option of using top-ups schemes through your mobile phone. This can be done through all the existing UK cash machines set up so far. Furthermore, you can get rid of those money blues while traveling. With the help of NatWest regular current account, customers can withdraw money while they are holidaying in exotic locations!

                          

Santander 2 Year Fixed Rate Saving Bond

Your search for a fixed, timely payout on investments ends at Santander fixed rate saving bond, which carries huge benefits along with ease of transaction procedures. You should note that this is a limited period offer, which can be rolled out at any point of time. Savings bonds are really a fantastic asset. By investing in your bond you are sure about getting your money back combined with a healthy interest rate. Moreover it is secure and within timeframe when you are in better control of your money.

Why should you choose Santander fixed rate saving bond?

It carries an impressive portfolio of fixed rate on your investment plans. This means you make your money work hard. You are furthermore guaranteed with a fixed amount of gained money. That means you are in better control of your money. It’s safe and secure before you invest with a limited time offer and a fixed interest rate.

Financial thresholds:

You should be aware that this is a 2 year locked account belonging to fixed rate bond category. You get a fixed rate of 3.50% gross/AER on balance amount from 25,000 pounds. One should note that no withdrawals are allowed during the locking period. But you are sure that you can gain a predicted amount of money once the locking period is over. The 2 year fixed rate bond starts from 2.09.2010 and matures on 1.10.2010 belonging to tier of 1pound and tier of 25000 pounds with a net % of 2.56% and 2.10 % exclusive of bonus rates.

How do you process your savings bond application?

Within five working days of your submitted application you will receive a confirmation in your email portraying that your account is open or further informative documents is needed for the processing of application. If further information is needed you will be given an attached document with the particulars stating what information is needed on your part. You will be asked to return the documents by freepost service. The attached document will carry particulars of your account and a user guide. You will also be provided with the sort code so that in no time you will be running with your account transactions. If you are new to Santander e-banking facilities you will be provided with all banking credentials and other procedures before you apply for your card. Your details and card will be at your doorstep within 7-10 days of your account opening.

Who can apply?

You must have at least 1 pound to invest. You must be at least 16 years of age and a permanent resident of UK.

                          

Santander has introduced a new card in the market which is the first in UK which charges you zero usage fees whenever you use the card. There are other benefits like zero per cent interest rate on balance transfers and zero rates as balance transfer fees.

Who can apply for the Santander Zero Current Account?

You are eligible for acquiring a Santander zero current accounts if you are above 18 years of age and a permanent resident of UK. Or you are an account holder of Santander ISA Managers Ltd, Santander Portfolio Management UK Ltd or Santander Unit Trust Managers Ltd, and you pay a minimum amount of £1,000 each month, or you are intending to use the Account Transfer Service to switch over your current account.

What’s behind the deal in Santander Zero Current Account?

This current account breaks all traditional barriers in rates and charges. There is an in credit interest rate of 6.00% which is normally fixed for 12 months. There will be no charge at all on usage of your debit card abroad. That is itself a blow to Nationwide Building Society which doesn’t charge for overseas financial transactions within the European Visa region specifications. Your overdraft will not be absolutely free which will be charged at 12.5%.If in case you exceed your agreed credit limit, Santander will not charge you a penny whereas other account holdings charge you for over credit standings. Don’t however assume that your overdrafts, over credit balances will run free, as there are little chances of your payments being authorized.

Financial Thresholds in Santander Zero Current Account:

You will earn 5% AER for the following 12 months flat on balances up to ₤2,500 when you pay at least ₤1000 per month into your account. If your balance exceeds the said limit you are not authorized to put into your account ₤1000 as you will not be allotted any interest charges.

Your overdraft offering will depend on the circumstances and will be charged at a flat rate of 12.9% EAR typical of its variability or 19.9% EAR if you fail to deposit ₤1000 into your account each month period. You must be aware that Santander doesn’t charge you a penny for your foreign transactions with your Visa debit card if and only if you choose to avail transaction in local currency. Other cash machine transaction would qualify you for a fee depending on current rates.

                          

The Nationwide FlexAccount offers two schemes: one regular one and one for people in the age group 16 to 18 years. At a glance, this is what it is all about: Nationwide FlexAccount

Nationwide FlexAccount offers discounted personal loans and special mortgage deals without any monthly account fee.

Naturally when choosing a bank, you ask people who bank there what their experiences have been like. With Nationwide FlexAccount, this is what some customers had to say:

• Excellent customer service
• An efficient Internet banking system
• Convenient banking because there are branches in many locations
• Online accounts are updated regularly
• Competitive interest rates

Some FAQs about Nationwide FlexAccount

1. You can withdraw up to GBP 300 daily from an ATM provided you are in credit. If you are withdrawing money from a branch, you can withdraw up to GBP 500 as long as you have a healthy balance, or an authorized overdraft. Should you need more than this, you could talk to customer care, and they will help. You can also withdraw money from a Post Office up to GBP 300, with your card and PIN.
2. If you have handled your account well, and been in credit always, you can have your account upgraded.
3. If you want a joint account, sign on to the Internet Bank, and apply online. The instructions are user-friendly. You can also go to your local branch and apply directly.
4. You can make FlxAccount your main account by paying in GBP 750 per month for 3 months. Alternatively, you can complete the account transfer service details.
5. For the 5^th time, Defaqto, an independent financial research company, has given a 5-star rating to Nationwide FlexAccount for their products, benefits, exclusive offers and discounts.

                          

The royal Bank of Scotland or simply the RBS as we all know delivers better opportunities for students to pursue studies and build up a better life for themselves. The prevalent RBS Student schemes are mostly for those of you looking forward to getting enrolled into full time courses. The schemes benefit the ones pursuing their graduation and post graduation course largely. One can apply for student loans and other educational benefits too. Under the RBS terms and conditions, students can receive sponsorships, parental monetary aids and similar educational funds.

One can benefit from all schemes, only after he / she have successfully created a RBS Student account. The account type should be RBS Student current account. As an account holder, one should make it a point to deposit funds into their account on a regular basis. Overseas student can also apply for their personal account. In such circumstances, one will have to contact the local branches to understand the specific procedures involved.

The major applicant methods are simple and match with the standard norms followed worldwide. One requires being at least 18 years old to apply for an account. While applying to open an account, you will be asked to provide identity verification documents. This will include a proof of citizenship, and also a proof of residential details. Your credit interest might fall into taxable positions, depending on your credit expenditure. Having said this, all RBS Student account holders will be able to use student credit cards and debit cards, according to their individual needs.

Application for RBS Student accounts and credit cards can be availed through online forms. You will just have to spend few minutes, by visiting the official site and fill up the forms with necessary details.

You can spot RBS branches all across the country. But choosing a branch which is near your University will be beneficial and time saving. RBS do understand that being students it is quite difficult to manage funds. Therefore it gives you expert advice on any kind of financial glitch. You can even choose the day to day banking option to reduce your anxiety.

Being students you need to take care of so many college notes, it’s sometime difficult to handle the banking statements that you receive time to time. Therefore the online options are available for you. Whenever you want to know your RBS Student bank account status you can log on to our online portal. The mobile banking facility is also available for your convenience.

                          

The Natwest Bond is strategized to be introduced in the market, for those who want to see a fixed rate guaranteed output at the end of two years. The Bond is available in the market from 18^th October 2010, and will be issued on a first come first served basis. With this Bond you can save at least £5,000 even without touching the money for two years.

Why choose a 2 year Fixed Rate Bond?

Fixed returns on your investment for two year.

Annual Interest at the rate of £5,000+ 3.50% AER/Gross.

The minimum investment required is £5,000 and maximum being £10,000

If you deposit the money before 18^th October 2010, which is the stipulated start date of the Natwest Bond you will be entitled to an interest rate which is equivalent to Bank of England Base Rate per annum till the given the start date.

Things you should know

The maturity date of the Bond is 18^th October 2012.

Before this date, no partial withdrawal or deposition will be entertained.

If you desire to close the bond before the maturity date, you will have to incur a redemption fee which will be equal to the Gross interest of 180 days.

Who can apply for a Natwest fixed rate bond?

In order to have a Natwest Bond you need to already possess a Natwest current account or savings account. You need to strategize the long term investment options in Natwest Fixed rate bond.

Why choose a fixed rate bond?

There is a monthly fixed rate of interest going upwards each year. Monthly interest rate will be calculated daily and deposited into your Natwest current account or savings account on the last business day of the month. There is a minimum investment amount of 5000 pounds and a maximum limit of £500,000. One should be aware of the long term gain rather than short investment payback. The interest received on balances that is less than £50,000 will be rewarded according to your tax status.

Things one should know…..

The maturity date of the Bond is 18th October 2012. No limited withdrawals or additional deposits are allowed. An early forfeit of the bond will incur an early redemption rate. To avoid any default charges one must be ready with long term deposit plans for redemption of maximum gain. One should also bear in mind that it is not a short term investment portfolio.

                          

The privilege of having a First Direct Bond is only for First Direct customers.

According to Matt Colebrook, Chief Executive at First Direct, since customers wanted the assurance of earning a consistently good rate of interest, First Direct was launching the Fixed Rate Savings Bond.

The First Direct Bond must be opened via the telephone.

The First Direct bond carries huge benefits and returns on investment. The bond offers a competitive rate of 2.80% AER (2.80% GROSS p.a.) at maturity on the 30 September, 2011.  (This rate is available only till 30 September 2010). Customers can invest any amount of money between GBP 2000 and GBP  49,999 pounds.. While extra bonds can be opened, payments cannot be made into a bond once it is opened. Further, no withdrawals are allowed during the whole term of the bond. However, in case the customer has need of this money, he is entitled to the accrued interest, but will have to pay a penalty of GBP 100.

Some features of the First direct Bond

First Direct Bond, as the name suggests means that you deposit a fixed amount of money at a  fixed interest rate for a specific time period.  The rate of interest remains the same for the whole term. At the end of the fixed time  period, you will get back the initial amount deposited.  The interest is paid on  maturity of the bond.

One condition for having a First Direct Bond, is that you are required to have another First Direct account with the bank other than an ISA or a  Regular Saver. This other account must be maintained for the length of the term of the bond.

You can view your transaction details via Internet banking. You can also manage it through the telephone.

Being a tranched product, a new bond will be released each month. Interest rates of these may vary.. Naturally, your application details must reach First Direct before the issue’s starting date, for effective processing. The maturity dates are specific to each issue.

Interest will be paid in  after deduction of basic income tax, unless there is documentation to prove your eligibility in some other category. . If you belong to a higher rate tax payer category, you may have to pay an additional tax to HM Revenue and Customs.

A point to note is that there are no bonus payments on the First Direct Bond.

                          

Bank of Scotland ISA Savings Accounts

Bank of Scotland ISA plans empower customers to handle their fund and enjoy interest benefits devoid of taxation. The easy ISA plan under the Bank of Scotland ISA wing creates optimum saving options for the registered account holders. What makes things easier to handle and get it done within a snap of two fingers is the triple option of accessing your account through existing branches, through internet services and through any of the major cash machines.

Why go for Bank of Scotland ISA-the easy ISA plan?

Customers interested in opening an account at Bank of Scotland ISA are able to save as much as £5,100 in a time period of twelve months with a Variable interest rate (AER) paid annually on 5 April: 2.80%. The easy ISA customer has the discretion to open his or her account with a disposition of £1. Having said this, one should note that they benefit from Higher savings rates exclusively for current account customers As a current account customer, you could have an extra 0.20% AER with our ISA Direct Reward. This takes the already great rate of 2.80% AER variable up to 3.00% AER variable. Just pay £1,000 or more into your current account with us each month or hold an Ultimate Reward Current Account.

Managing your money matters and all about interest payments

Bank of Scotland easy ISA helps you out in more ways than you can think off. We have being talking about interest rates you get to benefit from by depositing certain gross amounts. But when do you actually get paid for that? The interest payments are made on the last month of fiscal year. The clients of

Bank of Scotland have the choice of picking up any of the existing

Bank of Scotland accounts for interest payments to be made. In simple terms, one can either have their interests paid in the regular accounts or in their Easy ISA account. The bank authorize balance statements once in a year and the customer in the process learn the details of their tax saving status.

When it comes to managing your funds, Bank of Scotland ISA supports you with insights unlike any other. You can actually stop spending sleepless nights and trust your easy ISA methods to save and help you pay off those month end list of bills with ease. Contact the bank authorities in all the best ways of communication available till date. You do get to enjoy all time accessibilities through online service, telephonic customer care options. You can also contact the proprietors through postal methods and can even pay them a visit in one of their local branch offices.

                          

Santander reward account is a prize winning account with lot of features and extra benefits. Santander reward account provides high interest rate on investments with low overdraft charges. This account is open to those who are happy to pay a monthly fee. So if you are eager to gain from cashback of ₤100 and 5% AER which is again fixed, don’t forget to fill up the account transfer service in your application form.

What are the benefits?

The key benefits are:

Annual travel insurance for family with an option for winter sports is provided to you.

You will be provided with Green Flag marked breakdown coverage in UK with attractive national recovery and recovery at home. Your identity is protected with ₤50,000 of legal coverage in Santander reward account. There is card loss assistance in case your card is lost. There is also a key protection and replacement module. In case you are travelling your transactions would be commission free. It is also endowed with free delivery for minimum order of ₤300.There is great benefits in case you wish to travel, dine out or accommodate in a hotel. Insurance benefits are extended by Homecare Insurance, card protections against online frauds are provided by card protection plan limited.

What are the personal loan deals with the account?

Excellent personal loan deals are provided by Santander over phone. A particular personal loan of ₤7,500 over 60 months would carry a cumulative rate of 8.9% APR instead of 11.2% depending on your circumstances .That means you are going to payback ₤9240.80.

How to switch your account to Santander reward account?

Santander will transfer all your payments, bills, direct debits from your designated old account to your new account. An overdraft will be issued to you for the ease of your transfer. You are given the flexibility option of choosing the date to switchover. The institution will update you about regular processing of your account.

Who can really apply?

You must be a resident of UK with age more than 18.You can switch using our account transfer service and pay in at least ₤1,000 each month to get ₤100 cash back and 5% AER with your account. To yield most apply now!

Financial thresholds with the account:

You will be designated to earn 5% AER which is fixed for 12 months with balances up to ₤2,500.After one year of transaction this rate changes to 1% AER which is again variable.

                          

The widely popular NatWest E-ISA account is now offering an immediate and fast transfer of your cash ISA from one account to another. It also offers an interest scheme, devoid of all taxes which will be paid directly into your account.

The NatWest bank has been highly concerned in mitigating the various needs of the customers. Hence, it restricts from charging any kind of penalty fee while you are withdrawing the cash from your account.

Again, by introducing the re-activation form, the NatWest bank once again allows all those customers, who are unable to deposit fund for the entire year to pay the required amount of money into the cash ISA. Henceforth, an individual is now provided with the opportunity of re-establishing his/her account that has been locked.

With the gradual evolvement of the virtual reality or new media, there arise an innumerable number of facilities. Now, you can manage all your transactions of the NatWest ISA account just holding the mouse for sometime according to your convenience. You can access all the information regarding your account and carry out transactions as per your wish.. In addition, the phone, postal and in branch privileges are also available.

According to the NatWest E – ISA for the contemporary tax year 2010/2011, you can now earn 0.50% to 2% of AER with instant access. You can also possess the liberty of transferring your existing ISAs according to your wish.

The whole procedure of transferring the NatWest ISA cash or cash ISA-TESSA funds from various other providers has been exempted from any kind of complications in order to make it easy for the customers to follow. However, you only need to fill in the ISA transfer form and submit the same in any of the local branches of NatWest.

After receiving the transfer request, your existing ISA provider is being allocated a maximum of thirty days to send all the ISA levies to the NatWest bank.

The NatWest E-ISA often permits the savings accounts to be operated in such a way, so that it would enable the customer to give instructions for withdrawal or various other payments that can’t be mitigated from the funds in the account. If the necessary amount is not available in your account, some charges will be deducted in that situation. In order to explore more about these charges the Personal and Private Banking- A Guide to Fees and Interest is a must read for everyone.

                          

₤100 is guaranteed for you if you switch your account to Santander Preferred Current Account –the tagline which in itself is a revolutionary measure in the account holding market in UK. This account is designed preferentially for customers who are in-credit rate account and wishes to avail the introductory offers and interest rate for 12 months after which interest rate will be according to Santander preferential rates.

How to qualify for the Santander Preferred Current Account?

You can switch the account using the Account Transfer service and simultaneously be ready to pay ₤1000 in your account every month. You must be aged 18 years and a permanent resident of UK. No interest is paid on balances over ₤2,500 or if you are unable to pay ₤1000 every month. If you don’t switch your overdraft rate will be fixed at 19.9% EAR.

How to switch your account?

Santander will transfer all your payments, bills, direct debits from your designated old account to your new account. An overdraft will be issued to you for the ease of your transfer. You are given the flexibility option of choosing the date to switchover. The institution will update you about regular processing of your account. Please be cautious about having balances in your old account so as to smoothen the process of transfer. This means your balances should be sufficient to ease the transfer. An instant service is provided through a call at 0845 609 0010 which is available from Monday to Friday from 8am to 6pm.

Why would you choose this account?

It really pays to switch your account where you not only benefit from earnings which are 50x times than other bank offerings but you also earn a modest 100 pounds. You can have direct access to your account 24 hrs a day with online and phone banking services. You can have access to 13,000 Santander branches to follow up your financial transactions. Once you have opened your new account your child aged between 11 and 18 will be a preferential account holder under the banner Youth Plus Account with 5.00% AER on balances up to 500 pounds.

Financial Thresholds:

There is a 5.00% AER /4.89 % gross on first 12 months on balance up to 2,500 pounds. After 12 months the rate changes to 1% up to a balance amount of 2,500 pounds. Zero percent EAR charged for overdrafts for the first 4 months, which then changes to 19.9 per cent EAR which is typically variable.

                          

Now you don’t need to  worry any more for getting a credit card which pronounces the need for a current account holding. The RBS Platinum credit card carries huge benefits like zero per cent interest rate on balance transfers for flat sixteen months and a range of other priority customer features like shopping, travel budgets and instant medical help. The RBS Platinum credit card is such a unique card which you would prefer to keep in your wallet with extraordinary platinum features, gift offers, and long time interest rate.

Who can qualify for the card?

You need to be an UK resident with minimum income holding of ₤10,000.Previously RBS Platinum credit card was only available to clients having current account in Royal Bank of Scotland, but it’s now more simplified with reopening of credit card to all new applicants who abide by these clauses. It is recommended to have your employment proof and address details in hand to avoid any unnecessary delays in card application.

Financial thresholds:

The card comes with a variable APR of 16.9% which is quite competitive in today’s market scenario. It also carries the benefit of zero per cent interest rate for flat three months. After three months though, the interest rate is up to 16.95%. There is a cumulative interest free credit period of56 days on any kind of purchase you do. No annual fee is charged for the card which is a breather in itself.

Balances can be transferred to 95% of the allotted credit limit for three months. There is a handling fee of 2.9% of the balance amount. You can also withdraw ₤750 for a unit day within your credit limit. There is a fee for availing cash in local currency for purchases abroad which is fixed at 2.75%.There is a cash withdrawal fee fixed at 3% of the balance which is quite unique in today’s banking scenario. There is a credit limit of ₤300 minimum with the upper limit flexible according to your status. Minimum monthly payment is fixed at 2.25% which is a benchmark in credit card market.

What is the default charges accumulated?

There is a default charge of ₤12 for late payments or for exceeding credit limit. Incase your payment is returned you will be charged ₤10.

What are the Platinum card benefits?

As a platinum card holder you are entitled to complete security from internet frauds and illegal identity thefts. You are also entitled to special discount offers like travel discounts and online medical help.

                          

HSBC credit card gives its customers the very best of all credential opportunities available. Being under a reputable member of the HSBC group, HSBC deals with customer finances as per individual requirements and demands. With facilities like online credit banking, time framed mortgage and loan payments, the services also cover up traveling expenditure when the customer is a valid gold cardholder.

Who can apply?

Credit Card is only available to new HSBC Bank Credit Card customers who hold an HSBC current account, and doesn’t apply to the Student Credit Card.

What benefits do you get?

HSBC credit card holder can enjoy up to 56 days of grace period for credit card purchases, if the balances are paid on time. No fee is being charged for balance transfers, withdrawals and balance withdrawals. There is no annual fee allocated to your possession of credit card. Plus you can get up to 8% discount on Thomas Cook holidays booked through the HSBC Travel Club.

What are default payments?

Your late payments will attract a default payment trait. Over limit fee is adjusted at a competitive rate whereas unpaid cheques or direct debits would attract a fee, which is at par best in industry traits.

What is the minimum monthly payout?

You can avail all the facilities, when the terms and conditions are in favor of positive surcharge ratio of the balance amount. These rely on minimal amount of the special balance transfers and even levy interests on the whole amount according to individual preferences. You can avoid extra charges by staying within your credit limit and paying your balance amount in time.

What is the credit limit?

Minimum credit limit and maximum credit limit depends on your status and with a free additional credit card for partners or family members over 18.

What are the parallel charges?

A balance transfer of the amount transferred is charged with a minimum parameter. There are additional commissions on foreign currency transfers on no sterling transactions. Your HSBC credit card helps you out in all those times, when you wish for a better life!

                          

RBS Direct saver allows customers to yield greater amount of benefits out of a singular act, which is saving. RBS or better known as Royal Bank of Scotland allows all the citizens of United Kingdom and also those residing overseas to own an account of their own and enjoy top notch facilities- the ones that only RBS can provide!

It takes nothing to open an account- at RBS it is just a matter of minutes

Life is much faster today, than it was a few decades ago! You can call it a perfect boom of technological advancements the world has made so far! Keeping all these aspects in mind, RBS offers you the option of opening the direct saver account through their online site. If you have an existing RBS account, then you just need to inform about it to the authorities. Getting a new RBS Direct Saver in such cases can be a cake walk.

If you are thinking of opening a new account, the registration process will take few minutes. Having said these, in order to verify the applicant’s financial status and identity details, RBS is going to take about three weeks time to activate the account. You will have to confirm your stand through the confirmation letter delivered from the bank in order to start off with your account.

RBS- the internet banking revolution

RBS Direct saver is an out and out internet banking scheme operated by Royal Bank of Scotland. You can also have other regular accounts apart from your direct saver account. To help out the customers, we allow them to have even more than one Direct Saver account. There are no charges for opening an online banking account. All you need to do is waiting for five days time to avail fully initialized online banking privileges.

Using it is easier than you can think of

If we say it is better, you can bet on it! RBS resolves all those hassles one has to encounter while dealing with their finances. You must have heard about the queries and the long drawn banking procedures that take hours to complete. Nothing of it is going to happen out here. If you are planning to transfer money from your active RBS account to your Direct saver account, simply make use of the electronic transference option. The other simpler alternative would be to deposit through a cheque. You can do so from any of the recognized UK financial institution you deal with. RBS Direct Saver helps you out each time you think of your piggy bank!