| COMPANY | ACCOUNT | LOAN TYPE | INTEREST AER | INTEREST GROSS | PAID | O/D RATE | BANKING CHARGES | SERVICES CHARGES | ACCESS |
![]() Barclays Bank Account |
Barclays Bank Account | Current Account | 0.00% | 0.00% | Monthly | 19.3% | £0.00 | £0.00 | Online, Branch, Post, Tel |
If you are a customer who requires a simple and basic bank account where he doesn’t have to pay monthly fee, then you can opt for the Barclays Bank Account. They have the service of an online application within not more than 10 minutes where you can register instantly. There is telephone banking with which you can have an access to their network of over 1,700 branches. |
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![]() Alliance Leicester |
Premier Current Account | Current Account | 0.50% | 0.40% | Monthly | 0% EAR | Exceeding Limit Fee £5.00 per day | £0.00 | Tel, Online, Branch, Post |
In order to have a vast option of viable facilities with monthly chargeable fees, chose Alliance & Leicester's Premier Current Account. You would get 24x7 banking facility with either e-mail or telephone through the Premier Account. You would have a reach to any of the Alliance and Leicester branch, so that you get a trouble free experience. |
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![]() HSBC Offshore |
Offshore Current Account | Offshore Account | 0.00% | 0.00% | Monthly | N/A | £0.00 | £20 | Online,Tel |
If you daily banking requirement, generally starts from international or offshore banking need, where you want a bendable international current account come to HSBC Offshore. If you want to handle your finances in a manner that is suitable and safe then go for this potentially tax efficient means. |
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![]() HSBC Offshore Premier |
Offshore Current Account with HSBC Premier | Offshore Account | 0.00% | 0.00% | Monthly | £0.00 | £0.00 | £0.00 | Online, Tel |
If you want to avail advantages such as access to proficiently capable International Wealth Managers and International recognition with emergency backing then go for an offshore Current Account with HSBC Premier which has the above benefits of HSBC Premier. These are generally the initiating point for customers who have international or offshore banking needs. You can use your Offshore Current Account to supervise your everyday finances from all over in the world. |
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![]() Lloyds TSB International |
Premier International Account | Offshore Account | 4.00% | 4.00% | Monthly | 1.23% | £20 a day on unplanned overdraft. | £0.00 | Online, Tel |
If you want a convenient access and management of your international money which has an offshore current account in sterling, Euros and US Dollars, then opt for the International Account, provided by Lloyds TSB International. With this account, you can be benefited in case you are working, living, traveling and banking out of country. You have the facility of a supple choice of three currencies, 24X7 access to your finance as well as trouble-free, protected international relocation. |
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![]() Barclays Business bank account |
Business start-up account | Business Account | 0.100% | 0.100% | Daily | Ask on application | See website | £0 | Online, Tel, Branch |
Get the Santander Preferred in-credit rate account with an interest rate of 5% AER for the first year from the date of opening of your account on balances up till £2,500. According to your condition, they also offer match your prior overdraft up till £5,000. |
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![]() Santander |
Preferred In-Credit Rate Account | Current Account | 5.00% | 4.89% | Daily | 19.90% | See website | £0.00 | Online, Branch, ATM |
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![]() NatWest Current Plus |
Current Plus | Current Account | 0.10% | 0.10% | Daily | 19.24% | £20 | £0.00 | Online, Branch, Post, Tel |
Opt for the NatWest Current Plus that is obtainable for above 18’s. You be able to enjoy free of cost daily banking services where you do not have to pay any subscription charges each month. Get a £100 interest free overdraft incase you go overdrawn. In case the customer wants to borrow more than that, 19.24% is the rate of overdraft. |
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![]() HSBC Advance |
HSBC Advance | Current Account | 8% | 8% | Daily | 17.9% | £25 | £12.95 | Online, Branch, Tel, Post |
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![]() Alliance Leicester |
Premier 21 Current Account | Current Account | 1% | 1% | Monthly | 0% | 50p a day | £0.00 | Online, Tel, Branch |
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![]() Alliance Leicester |
Premier 50 Current Account | Current Account | 1% | 1% | Monthly | 0% | 50p per day | £10.00 | Online, Branch, Post , Tel |
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![]() Lloyds TSB Bank Plc Classic Account |
Classic Account | Current Account | 0.10% | 0.10% | Yearly | 18.9% EAR | £0.00 | £0.00 | Online, Phone, Branch, Tel |
Get free of cost banking facility each day where you handle your account 24x7 either online or via telephone, with the Lloyds TSB Bank Plc Classic Account. The customer gets a 4.00% AER interest rate for account balances from £5,000 up to £7,000 on your current account by adding Vantage to your account. |
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![]() Alliance Leicester |
Premier Direct Current Account | Current Account | 1% AER | 1% | Monthly | 0% EAR | 50p a day | £0.00 | Tel, Online, Branch, Post |
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Well building societies present current accounts to its customers where almost all of the accounts that they provide are regular bank accounts.
The customer carries a Debit card which allows him to access his money easily. This card also lets him make purchases at numerous in high street and online retailers. He can also withdraw money from ATM. One can also manage his current accounts by going online, by paying a visit to the nearest branch or just by making a call.
The procedure through which one can borrow money from banks and building organizations is called an overdraft. Most of the current accounts have the service of an overdraft but this might not be available everywhere, every time on its own. In case one goes in for an authorized overdraft, he would have to pay an interest.
The amount of interest is each time different that depends on the customer’s account. It gets subtracted from the balance of the account regularly on its own. In case a customer crosses the set limit of his overdraft or in case he violates an unauthorized overdraft, in that case he would be charged a fee. Interest is received, for accounts ‘in credit’, which is added to the balance in the account regularly mechanically.







