HSBC Online Bonus Saver
 | Online Bonus Saver | e-savings | 0.75% | 0.75% | Monthly | Online Only | £0.00 | Min age 16 years. | Online Only |  |
Online Bonus Saver, provided by HSBC, is an online savings account that has some practical, easy to manage features. You can open the account online and earn bonus interest on the months when no withdrawals are made. This account is designed for long term savers, so if you think you will need regular access to your money it might be worth looking into other options.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
1. The account can be applied for online or by telephone.
2. Once it has been opened it can only be managed via Personal Internet Banking (not via the branch or telephone).
3. You can only view statements online.
4. A maximum balance of £2,000,000 is permitted
ServicesServices1. The account can be applied for online or by telephone but it can only be operated online once it has been opened.
AdvantagesAdvantages1. Variable rate of 0.75% AER (0.75% gross including bonus interest), when you don't make a withdrawal.
2.You can open an Online Bonus Saver savings account with just £1.
3. You can transfer funds to another HSBC account or to an account held elsewhere, using Internet Banking.
4. For a period of 14 days after the account is opened you have the right to cancel the contract and close the account without charge.
DisadvantagesDisadvantages1. If you do need to withdraw your funds, you will not get the bonus interest rate, but you'll still get 0.25% AER (0.25% gross)
2. For balances that exceed £50,000 a lower rate of interest will be paid.
3. You cannot set up direct debits or standing orders to make payments from your Online Bonus Saver |
LLoyds Fixed Term Deposits
 | Fixed Term Deposits | Fixed Term | 2.50% - 4.00% | 2.50% - 4.00% | Yearly | Online, Tel, Post | £50,000 | You must be over the age of 18 years old | Online, Tel, Post | |
If you have got a saving plan, you know how much you would like to save and you need a comfortable way of achieving it, then then Lloyds TSB's Fixed Term Deposits might be a great option for you. Earn up to 20.00%over 5 years.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Fantastic interest rates that go up over time.
ServicesServicesSaving money in a currency other than sterling or a variable deposit service-choose between 1,2,3 and/or 5-year Fixed Term Deposit.
AdvantagesAdvantages1.Earn up to 20.00% over 5 years with Fixed Term Deposits.
2.Complete the online form in just 15 minutes.
3.Your application will be reviewed within two working days.
4.You can open unlimited Fixed Term Deposits.
5.Choose between a 1,2,3 and/or 5-year Fixed Term Deposit.
6.If you want you can open a Fixed Term Deposit in a currency other than Sterling upon request.
DisadvantagesDisadvantages1.You will need to have been living at your address for the last three years to apply.
2.You cannot apply if you do not have £25,000 to deposit into your account before three months after opening the account.
3.You will need to send supporting documentation.
4.You can't withdraw your money before the end of the fixed term |
Shepherds Young Saver Plan
 | Shepherds Young Saver Plan | Childrens Account | Dependent on investment | Dependent on investment | Maturity | Online. Post, Tel | £0.00 | Under 16 years of age | Up to 25% of the value when the Child reaches 11 years old | |
£30 High street Voucher when you take out a plan today. Give your children a real head start. Our Young Saver Plan lets you save up to £1200 a year TAX-EXEMPT with no tax to pay on the final lump sum and sickness benefits of up to £400 a month if your child is ill for 4 weeks or more.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Due to the flexibility of the plan, you can choose a premium to suit you. If your circumstances change you can increase or decrease your premiums up to a maximum of £100 and a minimum of £7.50 a month, without penalty.
ServicesServicesAt age 11 the parent/guardian may, on behalf of the child, withdraw up to 25% of the value of the child’s fund without reducing the value of the sickness benefit.
AdvantagesAdvantages1. Flexible savings - Save from as little as £7.50 right up to £100 a month and vary your premiums to suit your circumstances.
2. TAX-EXEMPT growth and lump sum - You won't have to pay a penny in tax on the growth of the savings fund or on the final lump sum payout.
3. Sickness benefits for peace of mind - After the child's 5th Birthday, the parent can claim up to £400 a week in benefits to help cover the costs, if the child is ill for over 4 weeks.
4. You can make a withdrawal at age 11 - While the plan is designed to run for at least 10 years, parents or guardians have the option of withdrawing up to 25% of the fund when the child reaches age 11.
DisadvantagesDisadvantages1. You may get back less than you have paid in
2. Early encashment penalties, which would reduce the amount of the final payout
3. Bonus rates vary from year to year depending on the performance of our investments and the amount of sickness claims experienced. In some years we may not pay out any at all
4. If money is taken out at age 11, this will reduce the amount the child receives at the end of the plan |
FirstSave - 1 Year Bond
 | FirstSave - 1 Year Bond | Savings Bond | 3.35% | 3.35% | Maturity | Online | £0.00 | You must be over the age of 18 years old. | No withdrawals permitted until maturity | |
Our Fixed Rate Bond(s) provide a safe and secure home for your money while earning a great rate of interest and are open to both new and existing FirstSave customers.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Manage your investments 24/7, through this safe and secure website
ServicesServicesExcellent service
AdvantagesAdvantages1. Limited availability
2. Competitive fixed rates
3. Minimum investment £1,000
4. A choice of bonds to suit your needs
5. Annual interest with a minimum balance of £1,000
6. Monthly interest with a minimum balance of £5,000
DisadvantagesDisadvantages1. No withdrawals permitted until maturity
2. Minimum investment £1,000 |
Child Tax Exempt Savings Plan
 | Child Tax Exempt Savings Plan | Childrens Account | Dependent on investment | Dependent on investment | Maturity | Online, Tel | £0.00 | Minimum term must be 10 years. | Only your child will have access | |
Provide your child with a cash sum to help them get started at university, buy their first car or put a deposit on a flat. With our Child Tax Exempt Savings Plan, not only are you saving for your child's future, but you have the benefit of being able to choose exactly when they receive their guaranteed cash lump sum.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Monthly premium of only £25 per month, or from £15 if you apply online, for your chosen term
ServicesServicesYou decide how long you want to contribute to this child savings account and when it pays out the guaranteed cash lump sum to your child
AdvantagesAdvantages1. Tax-efficient savings for your child
2. It is affordable from £15 a month
3. It is up to you when your child receives their cash payment.
4. Potential for your child's savings to grow
5. Automatic Member Benefits for your child.
DisadvantagesDisadvantages1. You should also be aware that inflation will reduce what the child can buy in the future with the fund.
2. If cashed in during the early years your child may get back less than you paid in.
3. As with all investments, please remember that past performance is not a guide to future performance.
4. A Bank or Building Society account has greater certainty of growth than a Child Tax Exempt Savings Plan. |
Tax Exempt Savings Plan
| Tax Exempt Savings Plan | Savings Bond | Dependent on investment | Dependent on investment | Maturity | Online, Tel, Post | £0.00 | Fixed terms - 10 to 25 years | Long term regular fixed commitment. | |
Maximise your tax-efficient savings with a Tax Exempt Savings Plan from Foresters Friendly Society. Choose exactly when you would like to receive your guaranteed cash lump sum and what’s more there is the potential for bonuses to be added too (although these are not guaranteed). Your contributions into this plan are not connected to any other tax-efficient allowances, such as ISAs.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: No
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Under current legislation, each person (including children) can save up to £25 a month in a Friendly Society Tax Exempt Savings Plan. The payment limits apply to all such plans held in the person's own name. Any premiums above these limits will need to be invested in our other savings plans which may not be as tax-efficient e.g. an ISA or Bond.
ServicesServicesYour contributions into this plan are not connected to any other tax-efficient allowances, such as ISAs.
AdvantagesAdvantages1. Save from just £15 a month
2. It is up to you when you receive your cash payment.
3. No upper age limit.
4. You can have a Tax Exempt Savings Plan in addition to other tax-efficient plans, including ISAs.
5. No capital Gains and Income Tax to pay.
6. Potential for growth of the savings plan.
7. Your partner can take out their own Tax Exempt Savings Plan as well.
8. Automatically become a member and access our Unique benefits.
DisadvantagesDisadvantages1. Future legislation changes could affect the tax status of this savings plan.
2. To ensure the tax-efficiency of the plan, you must continue your monthly contributions for your chosen term. If this isn't the case, any gains the plan makes may be subject to tax. |
Natwest e-savings
 | Natwest e-savings | e-savings | 1.00% - 2.85% | 1.00% - 2.85% | Monthly | Online | £0.00 | Minimum age of 18 years old | Online | |
The e-Savings account lets you manage your money when it suits you. This is an online-only savings account, offering a rewarding rate of 1.00% AER (variable) no matter how much you save. There are no penalties for withdrawing your money, and you can start saving with just £1. All interest is paid monthly directly into the account. No need for an existing NatWest account.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
No penalties– we don't charge you for withdrawing your money
ServicesServicesTo withdraw money - simply make an electronic payment from your e-savings account to any other UK bank account.
AdvantagesAdvantages1. Flat rate– the interest rate stays the same, no matter how much you save
2. No penalties– we don't charge you for withdrawing your money
3. No minimum balance
4. Monthly interest– paid directly into your account
5. No need for an existing NatWest account– although if you have one, it's quick and easy to move money between e-Savings and your other NatWest accounts
6. Get the savings habit– we can set up a regular transfer from another NatWest account
7. Set up and track your own personal savings goals- through Online Banking
DisadvantagesDisadvantages1. You only have access online.
2. Ensure that you fully understand the rates and charges associated with this savings account. |
Skipton Building Society My Savings
 | E-Savings | e-savings | 2.50% | 2.50% | Monthly | Online, Tel | £0.00 | You must be a UK resdient | Online | |
We're all saving for something special. Whether it's the dream holiday, the worry free retirement or just for a rainy day we have something for you.
You can open as many different accounts as you like and with a great rate and easy online access, it's simple to save for all the things you really want.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Open your account online today
ServicesServicesMy Wedding Saver
My Car Saver
My Rainy Day Saver
My Gadget Saver
My Retirement Saver
My Holiday Saver
My Handbag Saver
My Bills Saver
Ny Children's Saver
My Home Saver
My Secret Saver
My Slush Fund Saver
AdvantagesAdvantages1. 2.50% pa/AER variable
2. Save from £1 to £1,000,000
3. Apply and manage your account online
4. Guarantee that your rate will stay at least 1.5% above Bank of England Base Rate until 31 January 2012
DisadvantagesDisadvantages1. There are Investment Account related charges |
Ethical Child Savings Plan
| Ethical Child Savings Plan | Childrens Account | Dependent on investment | Dependent on investment | Maturity | Online, Tel | £0.00 | Minimum term must be 10 years. | Only your child will have access | |
Build up a lump sum for your child's future - without having to pay Income or Capital Gains Tax. It could be a great help towards buying your child their first car or putting some money down on a flat. And because it's an ethical plan, we aim to avoid investing in companies that are believed to be harmful to the environment, people, animals or wildlife.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: No
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Pay in from £15 to £25 per month and make the most of your child's £25 tax allowance by setting up this regular savings plan.
ServicesServicesTo ensure the tax-efficiency of the plan, you must continue your monthly contributions for your chosen term. If this isn't the case, any gains the plan makes may be subject to tax. Future legislation changes could affect the tax status of this savings plan.
AdvantagesAdvantages1. Avoid paying tax on your child's savings
2. Ethical saving that helps to make the world a better place
3. Pay in £15 - £25 a month
4. Potential for annual bonuses.
5. Potential for a higher rate of return.
6. Choose when your child receives their cash lump sum
7. Automatic Member Benefits for your child.
DisadvantagesDisadvantages1. The addition of bonuses is not guaranteed and will depend on the future investment performance and deductions from the ethical section of the With Profits Fund, and how we decide to distribute any profit. You may not get back what you have paid into the plan.
2. As with all investments, please remember that past performance is not a guide to future performance and there is a possibility that you may not get back what you have saved over the term of the plan.
|
Barclays Wealth Fixed Term Deposit Account
 | Barclays Wealth Fixed Term Deposit Account | Term Deposits Account | 1.9 - 3% | 1.9 - 3% | Yearly | Online, Tel, Post | 0 | You must be over 18 years of age | Online, Tel, Post | |
Open a fixed term deposit account with Barclays Wealth, and enjoy the benefits of saving offshore in a choice of major currencies. Earn attractive interest rates on new deposits for a limited time only. Applying for an account is easy online. It will take about 15 minutes and you can save your form after any step.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
1. Attractive interest rates
2. If you are planning a deposit or invest more than £50k you will qualify for a free Relationship Manager Service
ServicesServicesA bank account that gives you certainty on return at the end of a term
AdvantagesAdvantagesIf you want a fixed rate of interest on your savings and don't mind your money being tied up for a fixed period of at least a month, a Treasury Deposit may be a good option. You can choose from a wide range of currencies and, once the deposit is opened, your interest rate remains fixed for the term of the deposit.
1. Minimum deposit of £10,000 for terms of six months or more
2. Shorter terms available for deposits of £50,000 or more
3. Attractive interest rates, linked to balance and term
4. Available in sterling, US dollars, euros and other major currencies
5. By taking advantage of attractive fixed rates, you can be certain of your returns at the end of the term. You may want to arrange that the term of your account ends at a specific date, for example a house completion or major foreign exchange transaction
6. If you are planning to deposit or invest more than £50,000 (or currency equivalent) you will qualify for our free Relationship Manager Service.
DisadvantagesDisadvantages1. From the time we receive your application and documents, it may take up to ten days to complete a review and, if successful, open your account
2. Interest paid on maturity.
3. No withdrawals allowed.
4. Minimum deposit is £10,000 (or currency equivalent |
First Save 6 Month Fixed Bond
| 6 Month Fixed Bond | Savings Bond | 3.25% | 3.23% | Maturity | Online | £0.00 | Minimum age of 18 years old | No withdrawals permitted until maturity | |
If you're looking for medium term investments, FirstSave Fixed Rate Bonds require only a modest minimum deposit and offer excellent fixed-term interest rates over six months.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Manage your investments 24/7, through this safe and secure website
ServicesServicesCompetitive fixed rates
AdvantagesAdvantages1. Limited availability
2. Competitive fixed rates
3. Minimum investment £1,000
4. A choice of bonds to suit your needs
5. Annual interest with a minimum balance of £1,000
6. Monthly interest with a minimum balance of £5,000
DisadvantagesDisadvantages1. No withdrawals permitted until maturity
2. Minimum investment £1,000 |
Lloyds TSB International Bonus Saver
| International Bonus Saver Account | Offshore Account | 0.10% - 2.01% | 0.10% - 2.00% | Monthly | Online, Tel, | Over £25,000 | Minimum age is 18 | ATM, Branch, Online | |
The Lloyds International Bonus Saver is an offshore savings account with an interest rate of up to 2.00%, including an introductory bonus rate of 0.5%. The interest rates are tiered and you can have instant access to your savings account when you need it.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: Yes
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
1. Minimum deposit £5,000 and €5,000
2. Currencies available Sterling and Euro
ServicesServices1. You can apply online or by post.
2. Access to your money 24/7 via internet banking
3. BT Fee 3%, 50% refund makes this equivalent to 1.5% on Balance Transfers totalling £1500 or more made on or before 30th October 2011. Terms and Conditions apply.
AdvantagesAdvantages1. Interest is paid monthly
2. The International Bonus Saver Account offers tiered interest rates
3. You have instant access to your money 24/7 via internet banking and Offshore PhoneBank.
4. You can make new deposits into your account at any time.
5. You have instant access
DisadvantagesDisadvantages1. This product is currently not available to Channel Islands and Isle of Man residents or existing Lloyds TSB International Private Banking customers
2. You should think about a different account if you are earning in another currency or you want to put your savings away for a set time.
3. BT Fee 3%, 50% refund makes this equivalent to 1.5% on Balance Transfers totalling £1500 or more made on or before 30th October 2011. Terms and Conditions apply. |
Natwest Fixed Rate Bonds
| Natwest Fixed Rate Bonds | Savings Bond | 3.00% - 3.55% | 3.00% - 3.55% | Monthly | Online | £0.00 | You must be over the age of 18 years old | No withdrawals permitted until maturity | |
The Natwest Fixed Rate Bonds are ideal if you don’t need access to your savings. The Fixed Rate bonds offer you fixed rates of interest, a range of terms (typically for 1 and two year saving terms) and competitive interest rates – rates for fixed term bonds are generally better than the rates you will find with instant access savings accounts.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
ServicesServicesA range of terms - typically available for 1and 2 years
AdvantagesAdvantages1. Save between £5,000 - £500,000 and leave it untouched for the term
2. Fixed rates of interest - you'll know in advance what your savings will earn
3. A range of terms - typically available for 1 and 2 year savings terms
4. Competitive interest rates - rates for fixed term bonds are generally better than the rates you’ll find with Instant Access Savings accounts
DisadvantagesDisadvantages1. No partial withdrawals or additional deposits are allowed |
Lloyds TSB International Incentive Saver
| International Incentive Saver | Offshore Account | 2.42% | 2.40% | Monthly | Online, Tel | Up to £25,000 | Must be a minimum of 18 years old | Online, Tel | |
If you are looking for a savings account that offers a competitive interest rate and instant access to your money if you should need it, then Lloyds TSB's International Incentive Saver Account might just be the account for you. With higher interest rates when you do not make withdrawals, saving has never felt so good.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: Yes
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
The longer you leave your money in, the higher interest you will get.
ServicesServicesMake use of the 24/7 Phonebank or the Internet banking service.
AdvantagesAdvantages1.This account offers you 24/7 instant access to your money.
2.You get a better interest rate if you do not make withdrawals so saving has never felt so easy!
3.Interest you earn is paid to you monthly.
4.You get access to 24/7 internet banking and PhoneBank.
5.Feel free to make deposits into your bank at any time.
6.Application will be reviewed in two days.
7. BT Fee 3%, 50% refund makes this equivalent to 1.5% on Balance Transfers totalling £1500 or more made on or before 30th October 2011. Terms and Conditions apply.
DisadvantagesDisadvantages1. Only earn the 2.42% AER/2.40% Gross if you keep a balance of £10,000 and there are no cash withdrawals for a whole year.
2.You must have £10,000 as a minimum deposit.
3.Account is only available in Sterling.
4.No more than one account can be opened.
5.You will need to send in supporting documents. |
RBS Fixed Rate Bond
 | RBS Fixed Rate Bond 1 and 2 Years | Savings Bond | 3.40% - 3.80% | 3.40% - 3.80% | Monthly | Online | £0.00 | You must be a UK resident | No withdrawals permitted until maturity | |
RBS offer a choice of 1 and 2 year Fixed Rate Bonds, enabling you to save between £5,000 and £500,000. This is worth considering if you do not need access to your money for the duration of the term. This account is available to personal RBS customers aged 18 years or over. Please note: no partial withdrawals or additional deposits are allowed.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Competitive interest rates - rates for fixed term bonds are generally better.
ServicesServicesA range of terms - typically available for 1 ans 2 year savings terms
AdvantagesAdvantages1. Fixed rates of interest - you'll know in advance what your savings will earn
2. A range of terms - typically available for 1 and 2 year savings terms
3. Competitive interest rates - rates for fixed term bonds are generally better than
4. The rates you’ll find with Instant Access Savings accounts
DisadvantagesDisadvantages1. You are not able to withdraw any money for the duration of the term. |
Halifax Online Saver
 | Online Saver | Savings Account | 2.80% | 2.80% | Daily | Online | £0.00 | You must be over the age of 16 | Online | |
An online savings account that gives you easy access to your money, and the flexibility of unlimited withdrawals and deposits.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Unlimited number of withdrawals
ServicesServicesAccounts opened will receive a variable interest rate including a fixed introductory bonus for 12 months from the date of account opening. At the end of the bonus period, variable rates without bonus will apply.
AdvantagesAdvantages1. Speed & convenience of 24/7 online access
2. Unlimited withdrawals
3. Unlimited deposits
4. Open from just £1
DisadvantagesDisadvantages1. Online access only
2. Available from age 16 onwards |
Halifax Reward Saver
| Reward Saver | Savings Account | 2.50% | 2.50% | Daily | Online, Branch, Tel | £0.00 | Must be over the age of 18 years old | Online | |
A savings account exclusively for our qualifying current account customers that rewards them with a great interest rate of 2.50% gross/AER variable.
DETAIL INFORMATION >> | FeaturesFeaturesFree Banking: Yes
Debit Card: No
Cheque Guarantee Card: No
Standing Orders: No
Direct Debit: No
Overdraft Facility: No
Account Manager: No
Cash card available
ServicesServicesThere’s no bonus available on this account.
AdvantagesAdvantages1. Easy access to your cash
2. A higher rate if you make no more than 4 withdrawals during the 12 months
3. Cash card available
4. Minimum opening deposit of £1
DisadvantagesDisadvantages1. Exclusive to qualifying current account customers
2. Only one Reward account allowed per person |
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