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Yorkshire Bank fixed-rate saver pays 4.70% AER

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Yorkshire Bank fixed-rate saver pays 4.70% AER

Whether it's for a rainy day or for a one-off big purchase, it's crucial to make your savings work hard for you. Moneywise reveals the best savings accounts on the market.

The smarter way to save

Savers haven't got too much to be happy about right now and although there is no magic wand to improve the situation, Jeff Prestridge has some suggestions that may brighten the mood.

This week's top 10 cheap eats

Rebecca Rutt brings you her top 10 cheap eat offers currently available this week.

Top 20 burglary hotspots revealed

Homeowners in London and Bradford are the most likely in the UK to make a claim for theft or burglary on their home insurance.

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Our Compare Broadband service allows you to compare broadband packages by price and speed. There are a few great deals around and you could pay as little as £3.00 for your broadband.

Best Credit Cards
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Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
HSBC Credit Card	0% for 23 months(3.3% fee)	0% for 3 months	8.2Ranking 14 of	No loyalty schemes	2.99%	17.9% APR	Full details
Barclaycard Barclaycard Platinum With BT (22 Mths)	0% for 22 months(2.9% fee)	0% for 3 months	7.9Ranking 20 of	Points Scheme	2.75%	17.9% APR	Full details
Halifax Balance Transfer Card	0% for 22 months(3.5% fee)	0% for 3 months	8.0Ranking 16 of	No loyalty schemes	2.95%	17.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
Nationwide Building Society Nationwide Select Credit Card	0% for 17 months(2.95% fee)	0% for 18 months	8.6Ranking 4 of	Cashback	2.5%	12.9% APR	Full details
Marks & Spencer Credit Card	15.9% no intro offer(2.9% fee)	0% for 15 months	8.5Ranking 6 of	Points Scheme	2.99%	15.9% APR	Full details
Tesco Bank Tesco Clubcard Credit Card	0% for 9 months(2.9% fee)	0% for 15 months	8.5Ranking 7 of	Points Scheme	2.75%	16.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
Sainsbury's Finance Sainsbury's Low Rate Credit Card	6.9% no intro offer(0% fee)	6.9% no intro offer	8.2Ranking 13 of	No loyalty schemes	2.75%	6.9% APR	Full details
Barclaycard Barclaycard Platinum Simplicity	7.9% until balance paid(0% fee)	7.9% no intro offer	7.9Ranking 20 of	Points Scheme	2.75%	7.9% APR	Full details
Barclaycard Barclaycard Flexi-Rate 10% Repay	0% for 9 months(3% fee)	9.9% no intro offer	7.9Ranking 20 of	Points Scheme	2.75%	9.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
Capital One Bank World MasterCard	20% no intro offer(0% fee)	20.0% no intro offer	8.4Ranking 9 of	Cashback	2.75%	19.9% APR	Full details
American Express Platinum Cashback Credit Card	14% no intro offer(3% fee)	14.0% no intro offer	8.4Ranking 8 of	Cashback	2.99%	18.5% APR(incl annual fee of £25)	Full details
Creation Financial Services Creation Cashback Card	0% for 6 months(3% fee)	19.0% no intro offer	not enough votes	Cashback	2.99%	18.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
Halifax Clarity Credit Card	12.9% no intro offer(0% fee)	12.9% no intro offer	8.0Ranking 16 of	No loyalty schemes	0%	12.9% APR	Full details
Halifax Clarity Credit Card (Online)	12.9% no intro offer(0% fee)	12.9% no intro offer	8.0Ranking 16 of	No loyalty schemes	0%	12.9% APR	Full details
Halifax Rewards Clarity Credit Card	12.9% no intro offer(0% fee)	12.9% no intro offer	8.0Ranking 16 of	No loyalty schemes	0%	12.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Intro Balance Transfer offer	Intro Purchase offer	Customer Service Score	Spending Rewards	Overseas Charges	Representative APR
First Direct Gold Visa	0% for 20 months(2.9% fee)	17.0% no intro offer	9.4Ranking 1 of	No loyalty schemes	2.99%	16.9% APR	Full details
First Direct Visa Credit Card (Black)	0% for 20 months(2.9% fee)	20.0% no intro offer	9.4Ranking 1 of	No loyalty schemes	2.99%	19.9% APR	Full details
Smile Gold Visa (Smile Current Account holders)	12.9% no intro offer(0% fee)	12.9% no intro offer	9.0Ranking 2 of	No loyalty schemes	2.75%	12.9% APR	Full details
Compare credit cards data provided by Defaqto

Product Details	Representative APR	Repayment	Features & Conditions
Wesleyan Bank Limited Wesleyan Personal Loan	13.9% APR	£89.74 per month £1,076.88 in total	Online decision Debt consolidation allowed	Full details
First Direct First Direct Personal Loan	15.9% APR	£90.68 per month £1,088.20 in total	Online decision Joint application allowed Debt consolidation allowed Existing customers only	Full details
NatWest Natwest Grad FlexiLoan	18.0% APR	£91.68 per month £1,100.16 in total	Online decision Debt consolidation allowed Existing customers only	Full details
data provided by Defaqto

Product Details	Representative APR	Repayment	Features & Conditions
Car Loan 4U Car Loan 4U (Semi-Exclusive)	6.1% APR	£152.34 per month £5,484.11 in total	Joint application allowed Arrangement fee: £na	Full details
Sainsbury's Finance Sainsbury's Standard Small Loan (1-3 Yrs)	7.8% APR	£156.22 per month £5,623.95 in total	Online decision Joint application allowed Debt consolidation allowed Existing customers only	Full details
Zopa Zopa Personal Loan	7.8% APR	£156.22 per month £5,623.95 in total	Online decision Debt consolidation allowed Geographical restrictions Arrangement fee: £130	Full details
data provided by Defaqto

Product Details	Representative APR	Repayment	Features & Conditions
Marks & Spencer Money M&S Personal Loan (Internet)	6.0% APR	£193.33 per month £11,599.68 in total	Online decision Debt consolidation allowed	Full details
Tesco Bank Tesco Personal Loan (Existing Customers)	6.0% APR	£193.33 per month £11,599.68 in total	Joint application allowed Debt consolidation allowed Existing customers only Geographical restrictions	Full details
Car Loan 4U Car Loan 4U (Semi-Exclusive)	6.1% APR	£193.79 per month £11,627.60 in total	Joint application allowed Arrangement fee: £na	Full details
data provided by Defaqto

Product Details	Representative APR	Repayment	Features & Conditions
Marks & Spencer Money M&S Personal Loan (Internet)	6.0% APR	£289.99 per month £17,399.52 in total	Online decision Debt consolidation allowed	Full details
Car Loan 4U Car Loan 4U (Semi-Exclusive)	6.1% APR	£290.69 per month £17,441.40 in total	Joint application allowed Arrangement fee: £na	Full details
First Direct First Direct Personal Loan	6.1% APR	£290.69 per month £17,441.40 in total	Online decision Joint application allowed Debt consolidation allowed Existing customers only	Full details
data provided by Defaqto

Product Details	Representative APR	Repayment	Features & Conditions
Clydesdale Bank Clydesdale Personal Loan	6.4% APR	£370.03 per month £31,082.25 in total	Debt consolidation allowed Existing customers only Geographical restrictions	Full details
Yorkshire Bank Yorkshire Bank Personal Loan	6.4% APR	£370.03 per month £31,082.25 in total	Debt consolidation allowed Existing customers only	Full details
The Co-operative Bank The Co-op Personal Loan (Privilege&Premier CA)	7.9% APR	£388.41 per month £32,626.52 in total	Joint application allowed Debt consolidation allowed Existing customers only Geographical restrictions	Full details
data provided by Defaqto

Provider	Initial rate details	Initial repayment	Reverting to	Fees	Contact
HSBC	1.99% linked to Provider's Variable Rate for 24 months	£635.05 per month 3.8% APR (Typical)	3.94% linked to Provider's Variable Rate	£1499 Application fee £195 Valuation fee	Speak to adviser
HSBC	2.24% fixed for 27 months	£653.45 per month 3.8% APR (Typical)	3.94% linked to Provider's Variable Rate	£1999 Application fee £195 Valuation fee	Speak to adviser
Chelsea Building Society	2.39% linked to BoE Rate for 25 months	£664.65 per month 5.4% APR (Typical)	5.79% linked to BoE Rate	£0 Application fee £0 Valuation fee	Speak to adviser
Compare mortgages data provided by Defaqto

Home & Mortgage

Housing market predictions for 2012

With competitive mortgage deals few and far between, and hefty deposits the norm, has the British love affair with property ended?

Cut Your Costs

Top 10 money-saving deals for February

Why not treat yourself in February and save some money at the same time with our selection of the best offers around.

Saving & Banking

Yorkshire Bank fixed-rate saver pays 4.70% AER

Whether it's for a rainy day or for a one-off big purchase, it's crucial to make your savings work hard for you. Moneywise reveals the best savings accounts on the market.

Scams & Rip-offs

Scam of the week - Beware of the Amazon scam

Here at Moneywise HQ we are regularly inundated with emails from concerned readers informing us of new and elaborate scams being hatched. This week we look at the 'Amazon' scam.

Work & Wages

Pros and cons of working beyond 65

Working after 65 is on the rise in the UK. But for many workers and employers alike, that's no bad thing.

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