Welcome to Bank Deals

If money worries are stopping you from enjoying life then it's time to change, we are always on hand to assist you in any decisions you make, please remember that we are completely free website we ask for no payment. Register free at Everyinvestor today to receive MoneyMaker - our free weekly e-newsletter. We will show you how to cut the cost of your mortgage, pay no interest on your credit cards and get cheaper and better insurance cover PLUS show you how to invest the money you save and build-up a sizeable nest-egg.

Please note that the key for the icons are shown at the bottom of the page.the score is revealed when you hover over the icon, scores out of 100, if you would like to score the products on show then please email us with your score out of 100 for customer service,and feedback score,we will update the bank deals score on your behalf.

Short term loans

Payday loans give you money and peace of mind, just when you need it! More financial freedom – ranging from surprise weekends away to paying for a plumbing emergency just before pay day.You can borrow from £80-750 depending on your circumstances.

Credit Card

Capital One Platinum Card,0% on balance transfers until 1st March 2009,0% on purchases until 1st March 2009,Easy Balance Transfers,Free indentity theft service register online for free indentity alerts powered by Equifax,all this with currently the lowest APR of 9.9% typical.

we have created advice pages on most subjects,please see below for advice.

loans | credit cards | isa | holiday insurance motor insurance | household insurance remortgage

Savings Account

You don't usually find the best savings and current account at the same company but currently we have the Alliance and Leicester with both, Earn 6.50% AER (variable) - includes a 0.35% bonus payable until 31 January 2009 Open an account with as little as £1 Manage your savings online with our secure, award winning Internet Banking Interest is earned daily and paid monthly this is shortly followed by the Citibank at 6.25% gross p.a, 5.58% AER

Car Insurance

Kwik Fit Insurance Services have brokered a very clever panel of leading motor insurers to offer amazing savings on policies for drivers who are aged over 30 with a maximum no claims. we had very good results for over 30 but very poor for newly qualified . More than Insurance have an offer on at the moment with one free months car insurance in the first year and if you stay with them two months free the following year and every year while you stay claim free. we found this a better policy for the under 30 than over.

Life Insurance

We have had good results from Asda Insurance Company for there Life Insurance policies,you can collect an application form at your local Asda Stores or apply online, For as little as £7.05 a month for £150,000 worth of cover ASDA Life Insurance can give you peace of mind by putting your family's financial future in safe hands. It's a small price to pay to make sure they'll continue to enjoy the quality of life they're used to if you're unable to provide for them.

Medical Insurance

A close run thing with Medical Insurance,but we decided to show HSA new flexible health plan,cover starts from as little as 29p(Mars bars cost 50p)that is just £2 per week for a very comprehensive insurance cover, The Personal Medical Plan is a flexible, affordable way of getting private medical insurance. You get to see specialists fast at a time and place to suit you and with the additional modules treatment you can get the private health treatment you need to get fit and well again. HSA Website

Paying to much for your loans ,credit cards and mortgage?

Then you have come to the right place we welcome you to Bank Deals . If money worries are stopping you from enjoying life then it must be time to change your way of thinking,do you actually know how much you are paying for these services?,we will even find you a cheaper gas and electricity supplier you can't get better than that, all the suppliers and all their tariffs, meaning you get all the information you need to find the best possible deal. Our results table will calculate how much you could be saving, and even includes a service rating for every company listed, so you'll be well armed to find a new supplier that offers a high standard of customer care.

please click on the deals below that interest you....

Personal Loan

New for July is the Moneyback Bank,the King of loans is back,best loans provider 2007,2008are currently offering non secured loans,No Admin charge,Typical Apr is currently running at 7.6%(02/07/08), You can also earn up to £200 moneyback if you take out full optional Personal Loan Protection. only takes 10 minutes and you could have a decision within the hour(based on £7,500 over 60 months for new customers only),others are Halifax at 7.8%,Barclaycard personal loan 7.8%,Bank of Scotland 7.8%,Halifax 7.8%

Current Account

Premier Direct Current Account from the Alliance and Leicester are offering a fantastic deal with this little gem 8.5%(AER) upto £2500 0.1% £2501+ fixed for 1 year then base rate less 1%, authorised overdraft rate 0% interest free overdraft for 12 months, free banking if in credit (subject to terms) minimum investment a tiny £1.00 and a range of benefits are available,this is arguably the best current account available with the market best overdraft terms.

Remortgage

Taking out mortgages in todays climate is very risky,interest rates are climbing and the banks are not passing on interest rate cuts to there customers(ahhh!!!) 100% mortgages are well and truly gone and banks are fighting tooth and nail to get into the remortgage scene,which is a good sign because more competition means lower interest rates and Remortgage has increased ten fold because of the credit crunch ,we have been contacted by TMG to offer deals to lower your mortgage payments, release equity stored in your home, or consolidate debts. Free, no obligation enquiry form.

Student Accomodation Insurance

We think of everybody don't we?,we was contacted by Endsleigh Insurance about there student possessions Insurance,and we didn't find too much of this kind of insurance on the Net anyway so we are showing there link through to there site,we cannot show our "best deals" logo because has i said there isn't a comparison, cover for student's possessions from the only insurance provider recommended by the National Union of Students(NUS)

Child Bond

Scottish Friendly, one of the UK's leading friendly societies, provides savings plans that allow you to make the most of your tax-free allowance. The Government lets you invest up to £25 a month tax-free with a friendly society, even if you already have an ISA. You can save for a rainy day via our Scottish Bond or start building for your child's future through our Child Bond. Simply click on the links below for more information on our tax-free savings plans

I am NOT affiliated with any banks or institutions.

I'm just another web surfer like you. My posts are based on what I find on institutions' websites, what they advertise and what the banks' customer service reps tell me. I also receive valuable help from readers who inform me of new rates and deals. Comments and emails are much appreciated,we shall shortly be adding a page with messages of support that you have kindly sent us and once again thank you for your continued interest in our site.

Bank Deals News

There is widespread concern about whether current accounts provide value for the UK consumer, and in particular whether unauthorised overdraft charges and returned item fees are fair.

The best way to get a good outcome for consumers is to ensure that consumers understand what they are paying and can vote with their feet and move to banks that offer better value for money.

To achieve this outcome, we launched a market study to consider the wider questions about competition and value for money in the provision of personal current accounts, such as:

transparency of costs to consumers
ease of switching.

In parallel we also launched an investigation into the fairness of personal current account unauthorised overdraft charges and returned item fees under the Unfair Terms in Consumer Contracts Regulations 1999 (UTCCRs) to establish whether these charges met the test of fairness.

Are you good with money?

We all like to think that we're good with money and a new survey from CreditExpert, the online credit monitoring and identity fraud protection service from Experian, shows that 96 per cent of us believe we're up to speed on our current financial position.

No interest in interest

The survey shows:

• 66 per cent of credit cardholders could not tell you what rate of interest they are paying

• 56 per cent of men and 71 per cent of women with personal loans admit they had no idea of what APR they are being charged

• 29 per cent of those with personal loans can't guess how much they have left to pay off

• 75 per cent of us with overdrafts don't know what interest we're paying, rising to 83 per cent among those aged 45-54 – and nor do 48 per cent of mortgage holders

• Nearly a quarter of mortgage holders don't know how much of their home loan they still have to repay

But we know our limits

But at least nine in ten of us know what our overdraft limits are and 88 per cent of credit cardholders know their outstanding balance.

Overall, 15 per cent of people with loans can't say with any accuracy how deep in debt they are. And one in ten of us don't even know how much we earn after deductions.

It is little different with savings – 59 per cent of us with a savings account couldn't tell you what interest we're earning.

Loan fears

Given this lack of awareness, it is little wonder that many people believe they will be turned down for even relatively small loans:

• 15 per cent think they will be refused a £1,000 loan, a figure that rises to 21 per cent among 18-24-year-olds

• 28 per cent think they will be declined a £10,000 loan, including 52 per cent of 18-24-year-olds.

• At £30,000 – the size of a small mortgage – 41 per cent think they will be rejected, including 64 per cent of 18-24-year-olds

Not surprisingly, 29 per cent of us admit to planning our finances no more than every three months – or never at all. Yet just eight per cent say they're poor at managing their finances.

Jim Hodgkins, managing director of CreditExpert, says, “It's clear that there's a mismatch between perception and reality for many people when it comes to their finances. Some of us could be getting into financial hot water without realising it, while others may well be worrying unnecessarily about their ability to get a loan.

“One way to get a reality check is to look at your credit report. It will give you an idea of what you've borrowed, how much is outstanding and how well you're managing repayments. It might even end up reassuring you and regular checks will help you to keep on top of your finances. That could make the difference between being turned down for credit or having to pay high interest and not getting the deals you want.”

You can see your Experian credit report for free with a 30-day trial of CreditExpert, the UK's leading online credit monitoring and identity fraud protection service.

Bank Deals Support

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Bank Deals Special Offer

Did you know…that identity fraud is one of the UK's fastest-growing crimes, with more than 120,000 cases recorded last year?

It takes an average of 539 days to discover that you've become a victim of identity fraud – and up to 500 hours of work to clear your name!
One in four UK adults has either been a victim of ID fraud or knows someone who had suffered from it, according to Which?
Londoners are twice as likely to have their identity stolen by criminals as people in other parts of the UK? People in the South East and North West are the next most vulnerable.
You are at risk of having your identity stolen if you don't redirect your post after moving home?
Almost half of all adults in the UK have been targeted by criminals trying to get personal financial data over the internet or phone – and that five per cent of people fall for these scams?

We have teamed up with Experian the largest credit monitoring company in the world to offer you a free 30 day trial

CreditExpert is the credit monitoring service from Experian, providing you with access to your personal credit history. Take control today with a free 30-day trial.

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