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Money matters
Emma Simon presents a no-nonsense guide to your money questions…
What should I look for in a current account?
What sort of savings account do I need?
When should I start saving for my pension?
When is the best time to take out an Isa?
Should I invest in the stock market?
What should I look for in a current account?
This is one of the most basic financial products, yet few people shop around for the best deal. The majority of people in the UK have a current account with one of the big four - Barclays, HSBC, NatWest or Lloyds TSB - yet these banks charge far higher overdraft rates and pay a lot less interest on credit balances than many of their competitors.
If you regularly go overdrawn you need to pick a bank account with a low overdraft rate. If you manage to stay in the black most months, seek out an account that pays a reasonable rate of interest. Look at the bank accounts from Halifax, Smile, First Direct, Alliance & Leicester and Abbey National, the main competitors to the big four clearing banks.
Also look at how you conduct your banking. Do you regularly use a branch or are you happy banking over the phone or by Internet? Pick a bank account that has services to suit you. If you want face-to-face contact, make sure you bank with a provider who has a local branch.
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