First Direct

(Free £25 when you join)

The First Direct Bank Account gives you everything you need to manage your day-to-day money. Here's what you get:

• Automatic £500 overdraft
• £500 a day cash withdrawals
• bank on-line or by telephone
• card with chip and PIN technology
• 2.00% AER (1.98% gross) interest on credit balances
  overdrafts at only 9.9% EAR
• 24 hour, 365 days a year access
• you always speak to a real person.

Alliance & Leicester

20 times more credit interest 2.12% AER (variable)
0% overdraft for the first year
FREE annual worldwide travel insurance

Citibank

Simple isn’t a word you’d usually associate with a bank account. But that’s exactly what makes the Citibank Direct Current Account different.

It’s easy to manage and offers a competitive interest rate of 3.56% AER (3.50% gross), with no catches and no strings attached. All of which makes it easy to earn money too. Simple.

Lloyds TSB bank account

Lloyds TSB rates on the Classic Plus account are streets ahead, offering customers who do not already have a Lloyds TSB current account a fixed interest rate of 4.50% AER* on the first £5,000 of balances until 16th January 2005 when they:

agree to pay in a minimum of £2,000 a month (if you agree to pay in a minimum of £1,000 a month you will still earn 3.83% AER* / 3.76% Gross*)