Money Savings & Finance Blog

I hope everyone had a wonderful Christmas and are already for Hogmanay, there's a few new entries this week, mainly the 17 month interest free balance transfer credit card from Barclaycard: Barclaycard Platinum Credit Card with Balance Transfer, great 17 months interest free and the fact that Nationwide have been knocked off the top spot for personal loans by Sainsbury's with 7.4%.

As usual we've got the best rates (I can find) for ISAs, Savings, Credit Cards and Loans. All are listed as the best possible rates I can personally find, I am not swayed by payments from the banks and financial services like many many many other supposed comparison websites, this is an open site and if you find better deals I want to hear about them, either leave a comment beneath this post or add the better rates in the forum post, finding the real best deal is the idea of SaverScene!

Best interest rates for Cash ISAs:

best flexible cash ISA:
Santander Flexible ISA 3, best flexible cash isa, giving 2.85%

best 1 year ISA Bond:
Northern Rock, 1 Year Fixed Rate Cash ISA Issue 150, 3.05% best fixed ISA

best 2 year ISA Bond:
Santander Fixed Rate Postal ISA offering 3.25%
Marks & Spencers 2 year fixed rate ISA bond, M&S Finance ISA rates

best 3 year ISA Bond:
Nationwide, 3 year Fixed Rate ISA (annual interest) - savings interest rates

best 4 year ISA Bond:
Halifax, 4 year fixed rate ISA, Halifax Fixed Rate ISA Saver 4.25%

best 5 year ISA Bond:
Northern Rock, 5 Year Fixed Rate Cash ISA Issue 152, 5 year fixed rate bond
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Savings
Best Instant Access:
Northern Rock, E-Saver Issue 4, best instant access internet savings account.

Best 1 Year Bond:
Barnsley Building Society, Christmas Saver Bond, best 1 year savings account. -up to £1,200 savings.
YBS Savings - Christmas Saver from Yorkshire Building Society-up to £1,200 savings.
for amounts over £1,200 First Save are offering 3.25% http://www.firstsave.co.uk/

Best 2 Year Fixed Rate Bond:
Best 2 year Fixed Bond savings account, Post Office Growth Bonds, 3.65%

Best 3 Year Bonds, 3 banks and building societies offering 4%:
Northern Rock, 3 yr e-bond issue 4, internet banking account offering fixed: 4%
Post Office 3 year fixed rate savings bond, 4% interest.
Yorkshire Building Society, great web-based e-Bond savings product.


Best 5 Year Bond:
The AA 5 Year Postal or Online fixed term savings account offering 4.5%
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Credit Cards:
Best Interest Free Spending period:
Tesco Clubcard Credit Card is still best for 0% spending - 13 months interest free

Longest Interest Free Balance Transfer Credit Card:
Barclaycard Platinum Credit Card with Balance Transfer, great 17 months interest free.

Best Every Day Low Interest Rate Credit Card:
Barclaycard Platinum Simplicity Credit Card, low interest credit card 6.8% APR
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Personal Loans:
best personal loan:
Nationwide Personal Loan now down to 7.5%