Financial Best Buys

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Credit Cards

0% Balance Transfer Cards

Card   Rate   Duration   BT Fee   Typical APR      Capital One BT Platinum Card   0%   Until 01/11/2009   3.0%   15.9%   Virgin Credit Card   0%   15 mths   2.98%   15.9%   Capital One Platinum   0%   Until 01/10/2009   3.0%   12.9%   Barclaycard Platinum 'As on TV'   0%   14 mths   2.9%   14.9%   Barclaycard OnePulse For London   0%   14 mths   2.9%   14.9%

0% Purchase Cards

Card   Rate   Duration   Typical APR      Capital One Platinum   0%   Until 01/10/2009   12.9%   Capital One Platinum Exclusive   0%   Until 01/05/2009   9.9%   Halifax One Online Special   0%   10 mths   15.9%   Bank of Scotland   0%   10 mths   15.9%   Barclaycard Life of Balance   0%   10 mths   16.9%

0% Balance Transfer and Purchase Cards

Card Name   Intro Duration   BT Duration   Typical APR      Capital One Platinum   Until 01/10/2009   Until 01/10/2009   12.9%   Capital One Platinum Exclusive   Until 01/05/2009   Until 01/05/2009   9.9%   Capital One BT Platinum Card   Until 01/11/2008   Until 01/11/2009   15.9%   Halifax One Online Special   10 mths   10 mths   15.9%   Bank of Scotland   10 mths   10 mths   15.9%

Cashback Cards

Card   Cashback      American Express Platinum   5% Moneyback for 3 months, up to 1.5% thereafter   Capital One Cashback   2% CB on  £1,000 to  £2,000 spend per statement period   Shell MasterCard - Citi   3% rebate on Shell fuel spend, 1% on other purchases   Barclaycard Cashback   4% Cashback until 30/09/08, 0.5% until 01/01/10

Long Term/ Life of Balance Transfer

Card   BT Rate   Typical APR   Duration      Citi Platinum Life of Balance   5.8%   16.9%   Life of Balance   Barclaycard Life of Balance   6.5%   16.9%   Life of Balance   Barclaycard Simplicity   6.8%   6.8%   Life of Balance

Low Standard Rate Cards

Card   Typical APR   Interest Free Days      Barclaycard Simplicity   6.8%   56   Capital One Low Rate   8.5%   56   Barclaycard Low Rate Special   8.8%   56   Capital One Platinum Exclusive   9.9%   56

Loyalty Reward Cards

Card   Loyalty Rewards      MBNA Platinum Rewards Card   1 point for every  £1.00 spent   Blue Sky Card from American Express   A point for almost every  £1 spent   M&S Credit Card   Earn M&S points every time you spend

These are a selection of best buy credit cards you can apply online for, now.

Loans

Standard Loans

Loan   Typical APR   Min Loan   Max Loan      Moneyback Bank Loan   7.6%    £7500    £15000   Alliance & Leicester Personal Loan   7.7%    £7500    £15000   Halifax Personal Loan (Semi-exclusive)   7.7%    £7000    £13000   Bank of Scotland Personal Loan (Semi-exclusive)   7.7%    £7000    £13000   Barclaycard Personal Loan   7.8%    £4000    £25000

Best Secured Loans

Loan   Typical APR   Typical APR   Min Loan   Max Loan      FirstPlus Exclusive Rate   6.6%   8.1%    £10000    £100000   Ocean Finance   9.5%   14.9    £10000    £25499

Impaired Credit - Car Finance

Loan   Typical APR   Min Loan   Max Loan      Creditplus Car Finance   17.9%    £2500    £25000

Current Accounts

Best Opening Incentive

Lender   Product   Interest (AER)   Min Balance   Incentive      ALLIANCE & LEICESTER PLC   Premier Current Account   1%    £1    £100 for switching to A&L online

Best Rate

Lender   Product   Interest (AER)   Min Balance   O/D Rate   O/D Buffer      ALLIANCE & LEICESTER PLC   Premier Direct Current Account   8.5%    £1   0.00%   n/a

Best Overdraft

Lender   Product   Overdraft Notes   Interest (AER)      ALLIANCE & LEICESTER PLC   Premier Current Account   0% for 1st 12 mths, then 50p a day max  £5 per mth   1%

Best Packaged Accounts

Lender   Product   Interest (AER)   Min Balance   Service Charge      ALLIANCE & LEICESTER PLC   Premier 50 Current Account   8.5%    £1    £10 per month   BARCLAYS BANK PLC   Current Account Plus   3%    £1    £3.00 per month.   CITIBANK   Citibank Plus Account   0.1%    £1    £10 per month.

Over 50's Current Account

Lender   Product   Interest (AER)   Min Balance   Service Charge      ALLIANCE & LEICESTER PLC   Premier 50 Current Account   8.5%    £1    £10 monthly account fee.

Basic Banking

Lender   Product   Interest (AER)   Min Balance   Service Charge      THINK BANKING LTD 0800 074 4333   Think Banking Managed Account   2%    £1    £12.50 per month.

Young Persons Account

Lender   Product   Interest (AER)   Min Balance   O/D Rate      ALLIANCE & LEICESTER PLC   Premier 21 Current Account   10%    £1   0.00%

Green Banking

Lender   Account   AER   Min Balance   O/D rate   O/D Buffer      HSBC BANK PLC   Bank Account Plus   8%    £1   16.10%   n/a   HSBC BANK PLC   Premier Bank Account   0.1%    £1   9.90%    £500   HSBC BANK PLC   Bank Account   0.1%    £1   18.80%   n/a

Savings Accounts

Fixed Rate Bonds

Provider   Account   AER   Notice Term   Min Investment      CAHOOT   12 Month Fixed Rate Bond (Issue 1)   7.01%   Term    £1000   ICICI BANK   HiSAVE Term Deposit   7.00%   1 Year    £1   ICESAVE   6 Month Fixed Rate Savings Account   6.86%   6 Months    £1000   ICICI BANK   HiSAVE Term Deposit   6.70%   6 Months    £1

Easy Access

Provider   Account   AER   Notice Term   Min Investment      INTELLIGENT FINANCE   iSaver   6.40%   Instant    £1   ICESAVE   Easy Access Account   6.30%   Instant    £250   ICICI BANK   HiSAVE Savings Account   6.16%   Instant    £1   SAINSBURYS FINANCE   internet saver   5.50%   Instant    £1

Easy Access with Bonus

Provider   Account   AER   Notice Term   Min Investment      CAPITAL ONE SAVINGS   Easy Access Savings Account (Issue 5)   6.50%   Instant    £500   CITIBANK   Flexible Saver Issue 4   6.43%   Instant    £1   EGG BANKING PLC   Egg Savings Account (Internet)   6.30%   Instant    £1   TESCO PERSONAL FINANCE   Internet Saver   6.25%   Instant    £1   ING DIRECT   Savings Account   6.00%   Instant    £1

Easy Access with Withdrawal Penalties

Provider   Account   AER   Notice Term   Min Investment      HALIFAX   Web Saver Extra   6.00%   See Details    £1

Easy Access with Withdrawal Penalties & Bonus

Provider   Account   AER   Notice Term   Min Investment      ABBEY   eSaver Direct   6.50%   Instant    £1   ALLIANCE & LEICESTER   eSaver   6.50%   Instant    £1

ISA Accounts

Provider   Account   AER   Notice Term   Min Investment      HSBC BANK PLC   Cash e-ISA   6.25%   Instant    £1   ICESAVE   Easy Access ISA   6.10%   Instant    £1000

Notice Accounts

Provider   Account   AER   Notice Term   Min Investment      WHITEAWAY LAIDLAW BANK LIMITED   90 Day Notice Account   6.26%   90 Days    £1000