Best ways to save
What Investment, June, 2007
INSTANT-ACCESS BRANCH ACCOUNTS
Contact
details Account
INSTANT-ACCESS BRANCH ACCOUNTS
Post Office 0800 169 7500 Instant Saver
Cheshire BS 0800 243278 50 Plus Freedom
Halifax 0845 726 3646 Guaranteed Saver
Leeds BS 0845 045 4048 Flexible Freedom
West Bromwich BS 0845 330 0622 Base Rate Tracker
Northern Rock Via branch Branch Saver
NO-NOTICE ACCOUNTS
Scarborough BS www.scarboroughbs.co.uk Click & Save Issue 4
Anglo Irish Bank 0845 455 2222 Easy Access Deposit
AA 0845 603 6302 Phone & Save Bonus 2
Skipton BS 0845 717 1777 Branch Access 2
Heritable Bank 0845 607 1212 Easy Access Iss 1
Mansfield BS 01246 202055 First Class Tracker 7
INTERNET ACCOUNTS
Northern Rock www.northernrock.co.uk Silver Savings Online
Citibank www.citibank.co.uk Flexible Saver 3
Birmingham
Midshires www.askbm.co.uk BM WebSaver
Icesave www.icesave.co.uk Easy Access
Derbyshire BS www.thederbyshire.co.uk iSaver
AA www.theAA.com Internet Savings 3
NOTICE ACCOUNTS
Coventry BS 0845 766 5522 Sixty-Plus Notice Iss 3
Nottingham BS 0800 652 3980 Postal Tracker 60 Iss 4
Manchester BS 0161 833 8880 Money By Mail 90
Heritable Bank 0845 607 1212 90 Day Notice Iss 4
Anglo Irish Bank 0845 455 2222 7 Day Notice
Heritable Bank 0845 607 1212 120 Day Notice Iss 2
MONTHLY INTEREST
Citibank www.citibank.co.uk Flexible Saver 3
Coventry BS 0845 766 5522 Sixty-Plus Notice Iss 3
Northern Rock www.northernrock.co.uk Silver Savings Online
Scarborough BS www.scarboroughbs.co.uk Click & Save Issue 4
Icesave www.icesave.co.uk Easy Access
Scottish Widows
Bank 0845 845 0829 60 Day Notice
CURRENT ACCOUNTS
Alliance &
Leicester 0500 959595 Premier Direct Current
Halifax 08457 203040 High Interest Current
Coventry BS 0845 766 5522 First
Nationwide BS 0800 302010 FlexAccount
Lloyds TSB 0800 015 5000 Classic Plus
cahoot www.cahoot.com Current
CHILDREN'S ACCOUNTS
Halifax 0845 726 3646 Regular Saver
Chorley & District 01257 279373 Foxley Fund
BS
Scarborough BS 0845 056 0840 Savings Bond
Clydesdale Bank Via branch Child's Savings Bond
Chelsea BS Via local branch Ready Steady Save
Yorkshire BS 0845 120 0100 One Day
Notice
or term Deposit
INSTANT-ACCESS BRANCH ACCOUNTS
Post Office Instant 500 [pounds sterling]
Cheshire BS Instant (S) 5,000 [pounds sterling]
Halifax Instant 5,000 [pounds sterling]
Leeds BS Instant (S) 500 [pounds sterling]
West Bromwich BS Instant 500 [pounds sterling]
Northern Rock Instant 2,500 [pounds sterling]
NO-NOTICE ACCOUNTS
Scarborough BS None (P) 1,000 [pounds sterling]
Anglo Irish Bank None (B) 500 [pounds sterling]
AA None (T) 1 [pounds sterling]
Skipton BS None 500 [pounds sterling]
Heritable Bank None (B) 1,000 [pounds sterling]
Mansfield BS None (P) 1,000 [pounds sterling]
INTERNET ACCOUNTS
Northern Rock None (S) 1 [pounds sterling]
Citibank Instant 1 [pounds sterling]
Birmingham
Midshires None 1 [pounds sterling]
Icesave None 250 [pounds sterling]
Derbyshire BS None 1 [pounds sterling]
AA None 1 [pounds sterling]
NOTICE ACCOUNTS
Coventry BS 60 Day (R) 10,000 [pounds sterling]
Nottingham BS 60 Day (P) 1,000 [pounds sterling]
Manchester BS 90 Day (P) 2,500 [pounds sterling]
Heritable Bank 90 Day (B) 1,000 [pounds sterling]
Anglo Irish Bank 7 Day (B) 500 [pounds sterling]
Heritable Bank 120 Day (B) 1,000 [pounds sterling]
MONTHLY INTEREST
Citibank Instant 1 [pounds sterling]
Coventry BS 60 Day (R) 10,000 [pounds sterling]
Northern Rock None (S) 1 [pounds sterling]
Scarborough BS None (P) 1,000 [pounds sterling]
Icesave None 250 [pounds sterling]
Scottish Widows
Bank 60 Day (B) 10,000 [pounds sterling]
CURRENT ACCOUNTS
Alliance &
Leicester Instant (K) 1 [pounds sterling]
Halifax Instant (H) 1 [pounds sterling]
Coventry BS Instant (A) 1 [pounds sterling]
Nationwide BS Instant (E) 1 [pounds sterling]
Lloyds TSB Instant (D) 1 [pounds sterling]
cahoot Instant 1 [pounds sterling]
CHILDREN'S ACCOUNTS
Halifax G 10 [pounds sterling]
Chorley & District
BS Age 18 (J) 1 [pounds sterling]
Scarborough BS C 5pm [pounds sterling]
Clydesdale Bank 5 Yr Bind 50 [pounds sterling]
Chelsea BS Instant 1 [pounds sterling]
Yorkshire BS Instant 10 [pounds sterling]
Interest
% Gross paid
INSTANT-ACCESS BRANCH ACCOUNTS
Post Office 5.50% * Y/y
Cheshire BS 5.35% Y/y
Halifax 5.25% Y/y
Leeds BS 5.10% Y/y
West Bromwich BS 5.00% Y/y
Northern Rock 5.00% Y/y
NO-NOTICE ACCOUNTS
Scarborough BS 5.80% * Y/y
Anglo Irish Bank 5.65% Y/y
AA 5.60% * Y/y
Skipton BS 5.60% * Y/y
Heritable Bank 5.56% Y/y
Mansfield BS 5.55% * Y/y
INTERNET ACCOUNTS
Northern Rock 5.81% Y/y
Citibank 5.70% * M/y
Birmingham
Midshires 5.70% * Y/y
Icesave 5.70% Y/y
Derbyshire BS 5.65% * Y/y
AA 5.61% * Y/y
NOTICE ACCOUNTS
Coventry BS 5.85% * Y/y
Nottingham BS 5.80% Y/y
Manchester BS 5.76% Y/y
Heritable Bank 5.75% * Y/y
Anglo Irish Bank 5.70% Y/y
Heritable Bank 5.66% Y/y
MONTHLY INTEREST
Citibank 5.70% * M/y
Coventry BS 5.70% * M/y
Northern Rock 5.67% M/y
Scarborough BS 5.65% * M/y
Icesave 5.56% M/y
Scottish Widows
Bank 5.49% * M/y
CURRENT ACCOUNTS
Alliance &
Leicester 6.31% * M/y
Halifax 6.00% M/y
Coventry BS 5.70% * M/y
Nationwide BS 4.25% Y/y
Lloyds TSB 4.17% M/y
cahoot 3.59% M/y
CHILDREN'S ACCOUNTS
Halifax 10.00% F OM
Chorley & District
BS 6.35% Y/y
Scarborough BS 6.25% Y/y
Clydesdale Bank 5.80% F Y/y
Chelsea BS 5.70% Y/y
Yorkshire BS 5.62% 6 M/y
All rates are shown gross. * = Introductory variable rate for limited
period. A = Funding of 1K [pounds sterling] per month required. B =
Operated by post or telephone. C = 3 year term regular savings account
min 5 [pounds sterling], max 150 [pounds sterling] per month. D =
Funding of 1K [pounds sterling] per month required. 0.10% paid on
portion of balance over 5K [pounds sterling]. E = Funding of 1K [pounds
sterling] per month required. 0.25% paid on portion of balance over 3K
[pounds sterling]. F = Fixed Rate. G = 1 year term regular savings
account min 10 [pounds sterling], max 100 [pounds sterling] per month.
Earlier access on closure only subject to loss. H = Funding of 1K
[pounds sterling] per month required. 0.10% paid on portion of balance
over 2.5K [pounds sterling]. I = Operated by internet or post. K =
Funding of 500 [pounds sterling] per month required. 0.10% paid on
balance over 2.5K [pounds sterling]. Internet banking compulsory. OM =
On Maturity. P = Operated by post. R = Available to those aged 60 and
over. S = Available to those aged 50 and over. T = Operated by
telephone. All rates and terms subject to change without notice and
should be checked before finalising any arrangement. No liability can
be accepted for any direct or consequential loss arising from the use
of, or reliance upon, this information. Readers who are not financial
professionals should seek expert advice. All figures compiled on: 3 May
2007.
CASH ISAs
Notice
Company Contact or term
MINI CASH ISAs 1,000 [pounds sterling]
Barclays Bank 0845 300 5854 Instant
Egg www.egg.com None
Portman BS 0845 045 0114 15 Day
National Savings & Invsts www.nsandi.com None (H)
National Counties BS 0845 603 4876 Instant
Yorkshire BS 0845 120 0100 30 Day
Stroud & Swindon BS 08457 252423 30 Day (B)
Kent Reliance BS 08451 220022 None (B)
Yorkshire BS www.ybs.co.uk None
Derbyshire BS 0845 600 4005 Instant (A)
MINI CASH ISAs 3,000 [pounds sterling]
Barclays Bank 0845 300 5854 Instant
Egg www.egg.com None
Portman BS 0845 045 0114 15 Day
Saffron BS 0800 072 1100 30 Day
Tipton & Coseley BS 0845 757 3749 30 Day (P)
National Savings & Invsts www.nsandi.com None (H)
National Counties BS 0845 603 4876 Instant
Yorkshire BS 0845 120 0100 30 Day
Stroud & Swindon BS 0845 725 2423 30 Day (B)
Kent Reliance BS 0845 122 0022 None (B)
Minimum
Company deposit % gross
MINI CASH ISAs 1,000 [pounds sterling]
Barclays Bank 1 [pounds sterling] 6.31% *
Egg 1 [pounds sterling] 6.05%
Portman BS 1,000 [pounds sterling] 6.05% *
National Savings & Invsts 1,000 [pounds sterling] 5.80%
National Counties BS 1 [pounds sterling] 5.76%
Yorkshire BS 10 [pounds sterling] 5.75% *
Stroud & Swindon BS 100 [pounds sterling] 5.75% *
Kent Reliance BS 1 [pounds sterling] 5.71%
Yorkshire BS 10 [pounds sterling] 5.65%
Derbyshire BS 10 [pounds sterling] 5.65%
MINI CASH ISAs 3,000 [pounds sterling]
Barclays Bank 1 [pounds sterling] 6.31% *
Egg 1 [pounds sterling] 6.05%
Portman BS 1,000 [pounds sterling] 6.05% *
Saffron BS 3,000 [pounds sterling] 6.05% *
Tipton & Coseley BS 3,000 [pounds sterling] 5.90% *
National Savings & Invsts 1,000 [pounds sterling] 5.80%
National Counties BS 1 [pounds sterling] 5.76%
Yorkshire BS 10 [pounds sterling] 5.75% *
Stroud & Swindon BS 100 [pounds sterling] 5.75% *
Kent Reliance BS 1 [pounds sterling] 5.71%
Interest
Company paid
MINI CASH ISAs 1,000 [pounds sterling]
Barclays Bank Mly
Egg Yly
Portman BS Yly
National Savings & Invsts Yly
National Counties BS Yly
Yorkshire BS Yly
Stroud & Swindon BS Yly
Kent Reliance BS Yly
Yorkshire BS Yly
Derbyshire BS Yly
MINI CASH ISAs 3,000 [pounds sterling]
Barclays Bank Mly
Egg Yly
Portman BS Yly
Saffron BS Yly
Tipton & Coseley BS Yly
National Savings & Invsts Yly
National Counties BS Yly
Yorkshire BS Yly
Stroud & Swindon BS Yly
Kent Reliance BS Yly
TESSA-ONLY ISAs
Notice
Company Contact or term
TESSA-ONLY ISAs 3,000 [pounds sterling]
Northern Rock 0845 601 5151 15.5.08
Kent Reliance BS 08451 220022 None (B)
National Counties BS 01372 747771 Instant
Leek United BS 08000 930002 Instant
Skipton BS 0845 717 1777 None
Earl Shilton BS 01455 844422 90 Day
Direct Line 0845 246 8167 None IT)
Loughborough BS 01509 631960 Instant
Standard Life Bank 0845 603 3003 None (T)
Kent Reliance BS 0845 122 0022 Instant
TESSA-ONLY ISAs 9,000 [pounds sterling]
Northern Rock 0845 601 5151 15.50
Kent Reliance BS 08451 220022 None (B)
National Counties BS 01372 747771 Instant
Leek United BS 08000 930002 Instant
Skipton BS 0845 717 1777 None
Earl Shilton BS 01455 844422 90 Day
Direct Line 0845 246 8167 None (T)
Loughborough BS 01509 631960 Instant
Buckinghamshire BS 01494 879500 Instant
Standard Life Bank 0845 603 3003 None (T)
Company Minimum
deposit % gross
TESSA-ONLY ISAs 3,000 [pounds sterling]
Northern Rock 500 [pounds sterling] 6.01% F
Kent Reliance BS 1 [pounds sterling] 5.71%
National Counties BS 1 [pounds sterling] 5.51%
Leek United BS 1 [pounds sterling] 5.50%
Skipton BS 500 [pounds sterling] 5.50%
Earl Shilton BS 1 [pounds sterling] 5.50%
Direct Line 1 [pounds sterling] 5.45%
Loughborough BS 10 [pounds sterling] 5.45%
Standard Life Bank 1 [pounds sterling] 5.35%
Kent Reliance BS 1 [pounds sterling] 5.31%
TESSA-ONLY ISAs 9,000 [pounds sterling]
Northern Rock 500 [pounds sterling] 6.01% F
Kent Reliance BS 1 [pounds sterling] 5.71%
National Counties BS 1 [pounds sterling] 5.51%
Leek United BS 1 [pounds sterling] 5.50%
Skipton BS 500 [pounds sterling] 5.50%
Earl Shilton BS 1 [pounds sterling] 5.50%
Direct Line 1 [pounds sterling] 5.45%
Loughborough BS 10 [pounds sterling] 5.45%
Buckinghamshire BS 9,000 [pounds sterling] 5.40%
Standard Life Bank 1 [pounds sterling] 5.35%
Company Interest
paid
TESSA-ONLY ISAs 3,000 [pounds sterling]
Northern Rock Yly
Kent Reliance BS Yly
National Counties BS Yly
Leek United BS Yly
Skipton BS Yly
Earl Shilton BS Yly
Direct Line Yly
Loughborough BS Yly
Standard Life Bank Yly
Kent Reliance BS Yly
TESSA-ONLY ISAs 9,000 [pounds sterling]
Northern Rock Yly
Kent Reliance BS Yly
National Counties BS Yly
Leek United BS Yly
Skipton BS Yly
Earl Shilton BS Yly
Direct Line Yly
Loughborough BS Yly
Buckinghamshire BS Yly
Standard Life Bank Yly
All rates are shown gross. * = Rate includes introductory bonus. A =
Available to those aged 55 and over. B = Operated by post or
telephone. F = Fixed rate. H = Operated by internet or telephone.
P = Operated by post. T = Operated by telephone. All rates and terms
subject to change without notice and should be checked before
finalising any arrangement. No liability can be accepted for any
direct or consequential loss arising from the use of, or reliance
upon, this information. Readers who are not financial professionals
should seek expert advice. All figures compiled on: 3 May 2007
NATIONAL SAVINGS & INVESTMENTS
Product Notice Minimum
orterm deposit
ACCOUNTS AND BONDS
Easy Access Savings Instant 100
Investment None 20
Fixed Rate Bond Issue 35 1 Yr Bnd 500
Income Bonds None 500
Capital Bond Series 26 5 Yr Bnd 100
Pensioners Bond Series 33 1 Yr Bnd 500
Pensioners Bond Series 39 2 Yr Bnd 500
Pensioners Bond Series 47 5 Yr Bnd 500
TAX-FREE PRODUCTS
Direct ISA None 1,000
Cash ISA None 10
Savings Certificate 35th Issue 2 Yr Bnd 100
Savings Certificate 84th Issue 5 Yr Bnd 100
Index-Linked Certificate 15th 3 Yr Bnd 100
Index-Linked Certificate 42nd 5 Yr Bnd 100
Children's Bond Issue 22 5 Yr Bnd 25
Product Maximum
deposit
ACCOUNTS AND BONDS
Easy Access Savings 2 million [pounds sterling]
Investment 100,000 [pounds sterling]
Fixed Rate Bond Issue 35 1 million [pounds sterling]
Income Bonds 1 million [pounds sterling]
Capital Bond Series 26 1 million [pounds sterling] (a)
Pensioners Bond Series 33 1 million [pounds sterling]
Pensioners Bond Series 39 1 million [pounds sterling]
Pensioners Bond Series 47 1 million [pounds sterling]
TAX-FREE PRODUCTS
Direct ISA 6,000 [pounds sterling]
Cash ISA 27,000 [pounds sterling] (f)
Savings Certificate 35th Issue 15,000 [pounds sterling] (w)
Savings Certificate 84th Issue 15,000 [pounds sterling] (w)
Index-Linked Certificate 15th 15,000 [pounds sterling] (w)
Index-Linked Certificate 42nd 15,000 [pounds sterling] (w)
Children's Bond Issue 22 3,000 [pounds sterling]
Product Rate Interest
paid
ACCOUNTS AND BONDS
Easy Access Savings 2.1% (e) Yearly
Investment 3.55% (b) Yearly
Fixed Rate Bond Issue 35 4.90% Fd OM
Income Bonds 4.70% (c) Monthly
Capital Bond Series 26 4.85% F OM
Pensioners Bond Series 33 5.10% F Monthly
Pensioners Bond Series 39 5.05% F Monthly
Pensioners Bond Series 47 4.80% F Monthly
TAX-FREE PRODUCTS
Direct ISA 5.80% H Yearly
Cash ISA 4.85% Yearly
Savings Certificate 35th Issue 3.65% F OM
Savings Certificate 84th Issue 3.50% F OM
Index-Linked Certificate 15th 1.35% F inflation OM
Index-Linked Certificate 42nd 1.35% F inflation OM
Children's Bond Issue 22 4.60% F OM
GUARANTEED EQUITY BONDS
Issue 12 offers 120% of any growth in the FTSE 100 index with no cap on
potential return. Capital guaranteed by HM Treasury. On sale until 24
April 2007.
National Savings & Investments Enquiry number: 0845 964 5000. All rates
are shown gross. F =Fixed rate. H = Operated by intemet or telephone.
OM =Interest paid on maturity. (a) = Max holding includes all series of
Capital Bonds (excluding Series A). (b) = Rates tiered: 20 [pounds
sterling]--3.55%, 500 [pounds sterling]--3.60%, 5K [pounds
sterling]--3.70%, 10K [pounds sterling]--3.90%, 25K [pounds
sterling]--4.10%, 50K [pounds sterling]--4.45%. (c) = Rates tiered: 500
[pounds sterling]--4.70%, 25K [pounds sterling]--4.95%. (d) = Rates
tiered: 20K [pounds sterling]--5.05%, 50K [pounds sterling]--5.25%.
Other terms and monthly options available. (e) = Rates tiered: 100
[pounds sterling]-2.10%, 1K [pounds sterling]--3.60%, 5K [pounds
sterling]--3.90%, 10K [pounds sterling]--4.15%, 25K [pounds
sterling]--4.40%, 50K [pounds sterling]--4.65%. (f) = Maximum deposit
applies to transfer in value. (w) = No limit on reinvesting matured
certificates.
All rates and terms subject to change without notice and should be
checked before finalising any arrangement. No liability can be accepted
for any direct or consequential loss arising from the use of, or
reliance upon, this information. Readers who are not financial
professionals should seek expert advice. All figures compiled on: 3 May
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