UK Banks, Credit Cards and Insurance Deals

Links to useful financial resources, plus information on the best buys

Online banking
  • Alliance and Leicester offer Santander Current Account - Get £100 to switch, and an impressive rate of interest for a current account. More details

  • First Direct - Repeated voted as top in the customer service stakes, First Direct was one of the UK pioneers in online and telephone banking, and being a customer still carries some serious benefits, including a good-ish interest rate on current account balances, and a high interest e-saver account. Note that in Nov 2006, they ended their free banking for some customers. For more details on First Direct, see our First direct page.

  • Citibank - Top interest rates on their current accounts, and at the time of writing, a free iPod Nano for new account sign-ups. More on our Citibank page

Credit cards
  • Tesco ClubCard Credit CardTesco Clubcard Credit Card: Earn even more Clubcard points. Collect 1 Clubcard point for every £4 you spend on the Clubcard Credit Card (Must have available credit. 1 point awarded per £4 spent in each purchase transaction (£4 min)). Representative 16.9% APR (variable)
    More details: Tesco Clubcard Credit Card.

  • Nectar Credit CardNectar Credit Card from American Express. This card gives you Nectar Points when you shop, and an introductory 5000 points when you first apply and spend £200. You'll get double Nectar points for the first 3 months and up to 4 nectar points for every £1 spent

    The card is a rather stylish part-transparent card with chip-and-PIN, and has the usual features you'd expect such as a competitive APR, no annual fee, an online fraud guarantee, and also adds purchase protection (against accidental damage and theft for 90 days).

    If you're a Nectar points collector, this is the card for you, even if all you do is take out a card to get the introductory Nectar points.

  • Barclaycard Breathe - If you want to do your bit for the environment, then consider a Breathe card. Spend on your card and Barclaycard will donate 50% of profits to environmental projects that help reduce carbon emissions and tackle climate change. The Breathe card is also more environmentally friendly than current PVC cards, recycled paper is used where necessary (e.g. card carriers, PIN mailers, etc), and you can recycle your cards. An interesting solution, with some handy offers for green users.

  • Egg card - This card has always been highly recommended, mainly because it has some of the better deals around. Sadly, the 0.5% cashback offer was dropped in 2004, although they offer a decent cashback value is available with selected retailers. More details on our Egg page


Alliance and Leicester SavingsAlliance and Leicester eSaver. Top High-interest online savings account that you can open with £1. Interest is paid monthly. More details

  • - A way of paying bills online with just a Switch card
  • Visa ,MasterCard, Discover, Switch, Solo, and American ExpressPayPal - Online payments can be made to any email address can be made using your Mastercard, Switch, Solo, American Express or Discover card. Excellent for sending money cheaply around the world, or use Paypal when paying for auctions

Legal advice
  • The AA - Famous for their unbeatable roadside assistance, the AA's car insurance and car data checking is hard to beat too. If you're looking for cheaper car insurance, let the AA do the hunting for you! For cheaper car insurance and home insurance, try AA Insurance for special discounts when taking out insurance online, and greater discounts for AA breakdown members. The AA compare quotes from hundreds of insurers, and are independent. Go to RECOMMENDED

  • Travel Insurance online is one of the leading providers of online travel and holiday insurance for online UK residents on the Internet.

For more on car, home and contents insurance in the UK, see our Insurance page


Free credit report from ExperianThere are two main agencies in the UK that hold information about your credit status, and for £2, they are obliged to send you a copy of your record, under the Data Protection Act.. You'd be surprised what they know about you!

The reports contain information on the electoral roll at your current and previous addresses, details of which companies have been searching on you, and your credit history with companies who you currently have credit with (purchases, mortgages, loans and credit cards).

For more, see our Be Safe page


One in 12 of us have money stashed away that we know nothing about.... from schemes we've cancelled, company pensions from ex-employers,or even saving schemes set up for us by parents or grandparents. Apparently, there's £15 billion in unclaimed pensions, lottery tickets and policies. Take a check to see if you're due any, at the Unclaimed Assets Register

Over 50 and looking for life insurance without a medical? Consider the Scottish Friendly Over 50's Plan

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