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Post Office Instant Saver Account
The Post Office have operated savings accounts for decades, and have always been able to be counted on as a safe and secure location for investor's deposits. The Post Office Instant Saver Account is no exception, and provides all the benefits that you might expect, such as instant access through more than 12,000 UK Post Office branches, by using one of the 60,000 Link ATM machines, by post, by telephone or even online. While rarely paying the highest interest rate, the Post Office Instant Saver interest rate is often better than many, and provides a safe and secure home for your money.
A Post Office Instant Saver Account can be opened by anyone aged 11 or over, who is resident - or ordinarily resident for tax purposes - in the UK, either individually or jointly with one other person.
You can withdraw up to £1,000 a day in cash (so long as you have cleared funds, of course), and any larger amounts can be withdrawn either by cheque or by BACS transfer to a nominated account. BAC's transfers are currently limited to £15,000 per day (which is probably plenty for most people, we imagine). You can make up to 6 free withdrawals from your Post Office account each year, from 21 March to 20 March; after that each withdrawal will cost you a nominal £1.
The initial deposit into your Post Office Instant Saver Account has to be a minimum of £500, while further deposits into your account must be a minimum of at least £1 with a maximum investment of £1,000,000. Cash deposits can be made through any Post Office branch in the UK, but you can also choose to build your savings account by making a regular payment into your account via standing order. Deposits may also be made online, via transfers from another bank or building society account.
If you have any queries about any of the Post Office financial products, then there is plenty more information on the Post Office website, where you can view the latest interest rates, and also find out more about the protection offered on your account by Bank of Ireland, who are a financial services partner of Post Office.
More Protection for your Money... Under European Union law, all Post Office savings customers benefit from the protection offered by the Irish Deposit Protection Scheme which covers customer savings up to �100,000 (approximately £95,000). Meantime, the UK scheme currently has a limit of only £50,000, which is close to half the protection which you'll get with the Post Office. Additionally, the Irish Government has guaranteed unlimited savings until September 2010.
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Other Savings Products
A Child Trust Fund, often known simply as a CTF, is a savings and investment account for children, and developed by the government in order to encourage children and their families to save for the future. Often mentioned along with the Child Trust Fund Voucher Scheme, where the government provides vouchers for investment into such savings accounts, one might be forgiven for getting a bit confused if this area of investment is new to you. However, engage Mutual Assurance has an established track record of operating Child Trust Funds, and is an ideal company to work with when setting up such an account.
Halifax International Fixed Rate Web Saver account is an offshore account which may be useful to anyone living abroad, and who would like a fixed rate and fixed term for their savings. Competitive against similar accounts, such as those from Abbey International, for example, one the particular benefits of such accounts is that interest is paid gross, without tax deducted. You do, of course, still need to declare this interest in whichever country you're resident in. You can choose a fixed period from 6 months to 3 years; you can thus be sure exactly how much interest you'll receive, and when.
Halifax International Regular Saver Account is an offshore account which may be useful to anyone living abroad, and who wants to Save between £100 and £2,000 every month for 12 months. Offering competitive interest rates against similar accounts, such as those from Abbey International, for example, one particular benefit of such offshore accounts is that interest is paid without tax being deducted - although, of course, you will still need to declare this interest in whichever country you're resident in. Additionally, when you sign-up, the interest rate is fixed for the year.
Halifax International Sterling Variable Rate Web Saver Account is an excellent account for offshore savings. The savings account offers attractive tiered interest rates, so the more you save, the more interest you will earn. You can also transfer money in and out of your Sterling Variable Rate Web Saver Account whenever you choose to without any penalties, and without any hidden catches. An ideal account for those who may live abroad, the account pays interest gross (i.e. without interest being deducted), which may be a useful benefit to many.
Liverpool Victoria, after over 160 years of being in business, is still a Friendly Society, offering a range of financial products from savings and insurance to life cover and retirement plans. The Liverpool Victoria ISA (Individual Savings Account) is a savings plan, designed to encourage you to save, and providing excellent tax benefits (as all ISAs do). An easy way to think of an ISA is like a wrapper that protects your investments from the claws of the taxman; and, no matter how much your investments may grow, or how much money you may withdraw from your ISA, the money will be protected from both capital gains tax and income tax.
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