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UK Banking Guide

Before choosing a current account, decide what features and facilities you'll need. Run through our current account checklist to help you decide. Review our cheque account best-buy table.
In this period of uncertainty, it is wise to spread your savings around to take advantage of the new £50,000 individual level per licensed bank set out in the Deposit Protection Scheme. Check our best savings rate table, and consult our list of savings institutions that have their own banking license.
It is important that owners of a new or growing business make the right choice of bank to use. Here are the questions you need to ask for an informed business banking choice and a list of banks to contact.
Online banking has become very popular and can be quick, easy and convenient. Check the benefits and drawbacks and review the major providers.
If you are an expat or constantly "on the move", there are a number of excellent offshore banking products especially designed for you.
Give your children a head start in life with a suitable savings plan. The earlier you start, the better place your child will be in the future. We list some of the considerations when choosing a plan.
Free retirement savings brochures. SIPPS, annuities, ISAs and property funds.
We offer unbeatable currency exchange rates. Compare our foreign currency rates to your High St bank: pound, yen, dollar, euro and more
What is an ISA? It is an Individual Savings Account that allows you to invest up to £7000 per year, with no tax applicable to any income or capital gain made within it.
Use our loan selector to find the best loan on the market whatever your credit rating...

Daily-updated UK bank savings table:

Bank Account Name Interest Payable Gross Rate AER
ICICIHiSAVE Fixed Rate (2 year)Annually4.1%4.1% Apply
ICICIHiSAVE Fixed Rate (1 year)Annually3.9%3.9% Apply
Capital OneHigh Yield BondsAnnually2.9%2.9% Apply
Alliance & LeicesterOnline Saver Issue 4Monthly2.5%2.5% Apply
AbbeyInstant Access SaverAnnually2.5%2.5% Apply
ICICIHiSAVE AccountMonthly2.45%2.45% Apply
Capital OneFlexi Saver (New Customers Only)Annually2.35%2.35% Apply
Birmingham Midshirese-Saver AccountMonthly1.83%1.84% Apply
Post Office / Bank of IrelandInstant SaverAnnually1.1%1.1% Apply
HSBCOnline Bonus SaverAnnually0.75%0.75% Apply
Capital OneBase Beater AccountAnnually0.55%0.55% Apply

Best UK Current Accounts:

Bank Account Name Features AER
Alliance & LeicesterPremier Direct Current AccountEarn 5% AER (fixed for one year) on balances up to £2,500 and 0.10% AER (variable) on balances over that amount. 5% Apply
Alliance & LeicesterPremier 50For the over 50's only. Earn 5.00% AER (fixed for one year) on balances up to £2,500. After one year, we pay 1% AER (variable). Balances over £2,500 earn 0.10% AER (variable).5% Apply
Alliance & LeicesterPremier 21Aged 16 to 20? Earn a market-leading rate of 5% AER (fixed for one year) on balances up to £1,000 and 0.10% AER (variable) on balances over that amount. You'll need to pay at least £500 into your account each month.5% Apply
Alliance & LeicesterPremier Current Account*** Get free European Travel Insurance *** Get a great current account with added benefits for no monthly fee.0.5% Apply
BarclaysCurrent Account PlusThe Current Account Plus Account pays interest on your balance when you're in credit and offers an interest-free overdraft for those times when money's tight.0.1% Apply
HSBCCurrent Account AdvanceFree 24/7 Internet banking, telephone and branch banking. Cashback. Debit Card. Overdraft facility.0% Apply
HSBCBank Account Plus8% AER on the first £1000. 24/7 telephone banking, worldwide family travel insurance, Preferential rates or discounts, credit interests, identity theft assistance and personal security protection.0% Apply
BarclaysCurrent AccountSometimes in life you want something straightforward0% Apply
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