Banking and Saving Guides

1. An Introduction to Current Accounts (Video)

Tesco Bank Current Account
Your current account handles the vast majority of your transactions and is probably your most important account, so it’s vital that you make the right choice.

This video explains how current accounts work and how you might identify the best sort of account to suit your needs.

 

2. The New Current Account Switching System Explained (Video)

Current Account Switch Guarantee
Have you ever put off switching your bank account because of the hassle? Perhaps it’s time for a change!

A new switching system launched in 2013 now allows you to switch banks in just seven working days. Find out how it all works!

 

3. An Introduction to Savings Accounts (Video)

Savings Accounts
If you’re unsure where to begin with all the different savings options out there, our new video guide can help you out.

From regular savers to current accounts, this offers a handy overview of how you might make more from your cash.

 

4. How to Keep Your Savings Safe (Video)


What happens to your savings if your bank goes bust? This guide explains how your funds are protected by the Financial Services Compensation Scheme (FSCS) and how you can take additional steps to ensure that all of your savings and deposits are safe.

 

 

5. Savings and Bonus Rates (Video)

Many banks offer temporary teaser rates or bonus rates on their savings accounts to attract new customers.

This guide shows you how these work, and how you can get the better of the banks to maintain better returns on your savings accounts and ISAs.

 

6. Cash ISAs: An Introduction (Video)

Cash & Notes

Every UK saver is entitled to a tax-free savings allowance of £15,000 every year, which is available through accounts known as ISAs.

This guide tells you more about how these tax-free accounts work, and what you need to look out for.

 

7. From ISAs to NISAs: Changes to Tax-Free Savings (Video)

Savings Account Guides: Inflation-Linked Savings

Major changes to ISA regulations in July 2014 means that you are now able to save up to £15,000 per year into your cash ISA!

This guide explains the differences between old and new ISAs (NISAs) and discusses the new options available to savers.

 

8. Transferring Cash ISAs

Once you’ve opened a tax-free ISA, you don’t have to stick to the same account. If you’re not happy with the returns on your ISA, or if you spot a better rate elsewhere, it’s useful to know how you can transfer your ISA to another provider. Find out here.

 

 

9. Fixed Rate Bonds: An Introduction (Video)

Fixed Rate Bonds

Savers can often make more from their funds by locking them away into a fixed-rate bond. This guide offers a brief explanation of how fixed-rate bonds work and how to make the most from investing your cash for a set period.

 

 

10. Cash ISAs Vs. Fixed Rate Bonds

Two of the best methods by which savers can make more from their cash are using ISAs and fixed-rate bonds.

However, cash ISAs have a limited individual allowance per year, while returns on fixed-rate bonds are taxable. This guide helps you to determine which product offers the best returns.

 

11. An Introduction to Peer-to-Peer Savings (Video)

Technology

Borrowers and savers can now improve the rates on their deposits and loans by cutting out the bank in the middle.

Peer-to-peer websites help to match investors with borrowers to give everyone a better deal. Find out more about this innovative industry here.

 

12. Savings: Ten Top Tips

This guide offers a number of vital tips to help consumers make the most of their savings.

Featured tips include: how to negotiate the pitfalls of bonus rates; using tax-free allowances; investing into savings products such as fixed-rate bonds and investment plans; and micro-managing savings as efficiently as possible.

 

13. The New TSB Bank: What Changes for Customers?

TSB Funny Stuff

Around a third of Lloyds’ branches were rebranded to TSB in September 2013, with 4.5 million customers transferred to the new bank.

This guide investigates why the change occurred and what customers can expect from the new standalone bank.

 

 

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