Financial News

RBS Chair Attacks 'Anti-Business Ministers'

Ministers should abandon a growing tendency to indulge in anti-business rhetoric or risk damaging Britain's economic recovery, the head of the state-controlled Royal Bank of...

Suspended Dover-Calais Ferry Route To Restart

A Dover-Calais ferry route which was suspended in November, when SeaFrance collapsed, is due to be re-opened.

Double-Dip Recession 'Too Close To Call'

The UK will return to recession in the first half of this year, one influential think-tank has warned, but other new data from the services industry suggests otherwise.

Miliband Slams 'Bonus, Bust, Bailout' Culture

Labour leader Ed Miliband has urged "responsibility and restraint" in banking sector pay, saying the industry cannot continue along a path of "big bonuses, bust, and bailouts".

RBS Chair Attacks 'Anti-Business Ministers'

Suspended Dover-Calais Ferry Route To Restart

Double-Dip Recession 'Too Close To Call'

Miliband Slams 'Bonus, Bust, Bailout' Culture

more of today's top stories

view full financial news archive

'Sale And Rent Back' Property Market Closed

The financial watchdog has temporarily shut down the 'sale and rent back' property market after discovering widespread poor practice.

BT Pledges 'Ultra-Fast' Broadband Speeds

BT has promised "ultra-fast" broadband speeds of up to 300 megabits by next spring after posting a strong business performance for the last quarter of 2011.

Commuter Chaos After West Coast Derailment

Passengers on one of Britain's busiest railway lines are facing widespread disruption after a freight train derailment in the early hours of the morning.

Facebook Graffiti Artist 'Set For Millions'

A graffiti artist hired by Facebook to paint the company's first headquarters in 2005 could reportedly be worth millions when it floats on the stock exchange this year.

BoE Policymaker Urges Action Over Lending

Banks are still failing to lend to UK businesses, meaning they are not providing value for money to the Government, a leading policymaker has told Sky News.

Facebook Finances Exposed For First Time

The launch of Facebook's initial public offering has provided the first glimpse of the financial and operational details behind the world's biggest social networking site.

markets

Graph time span

Index	Value	Change
FTSE-100	5901.07	105.00	1.81%
FTSE-250	11235.00	148.00	1.33%
FTSE AllShr	3047.42	51.91	1.73%
Dow Jones	12862.23	156.82	1.23%
Nasdaq	2905.66	45.98	1.61%
S&P 500	1344.90	19.36	1.46%
Xetra DAX	6766.67	111.04	1.67%
CAC 40	3427.92	51.26	1.52%
Hang Seng	20756.98	17.53	0.08%
Nikkei 225	8831.93	-44.89	-0.51%

Data is delayed by 15 minutes and is for indicative purposes only. It is not intended to be relied upon for specific financial decisions.

Summary information:

Sell
Mid
Day High
Previous Close
Buy
Change
Day Low

Data is delayed by 15 minutes and is for indicative purposes only. It is not intended to be relied upon for specific financial decisions.

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1.20

credit cards

Full Width Tool Tab 1

Card	Transfer Rate	Duration	Representative APR
NATIONWIDE BUILDING SOCIETY SELECT CARD	0.00%	17 months	12.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 12.90% (variable)
HALIFAX ALL IN ONE	0.00%	15 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM WITH PURCHASE	0.00%	14 months	18.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 18.90% (variable)
NATWEST YOURPOINTS WORLD MASTERCARD	0.00%	13 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

Card	Transfer Rate	Duration	Representative APR
HSBC CREDIT CARD	0.00%	23 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM CREDIT CARD WITH EXTENDED BALANCE TRANSFER	0.00%	22 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
HALIFAX BALANCE TRANSFER CREDIT CARD	0.00%	22 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)
BARCLAYCARD PLATINUM CREDIT CARD WITH BALANCE TRANSFER	0.00%	21 months	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

Card	Cashback	Representative APR
SANTANDER 123 CASHBACK CREDIT CARD	This card offers 3% cashback on fuel spending (capped at £300 spend per month), 2% cashback on department store spending and 1% cashback on supermarket spending.	22.80% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) with an annual fee of £24.00 your Representative APR will be 22.80% (variable)
AMERICAN EXPRESS PLATINUM CASHBACK	Earn 5% cashback on your first £2,000 spend within the first 3 months. This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. Spend more than £10,000 on your card in the preceding 12 months and receive an anniversary bonus of double cashback every year on the 13th month of your card membership.	18.50% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) with an annual fee of £25.00 your Representative APR will be 18.50% (variable)

Card	Credit Amount	Fee	Representative APR
CAPITAL ONE VISA CARD	£1200.00	£0	28.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 28.90% (variable)
AQUIS VISA CARD (ISSUED BY VANQUIS BANK)	£1000.00	£0	29.80% (variable)
Representative example: If you spend £1000.00 at a purchase rate of 0% (variable) your Representative APR will be 29.80% (variable)
BARCLAYCARD INITIAL	£1200.00	£0	29.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 29.90% (variable)
CAPITAL ONE CLASSIC	£1200.00	£0	34.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 34.90% (variable)

Card	Interest Rate	Fee	Representative APR
SAINSBURY'S LOW RATE CREDIT CARD	6.95% a purchase (variable)	£0	6.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 6.90% (variable)
BARCLAYCARD PLATINUM SIMPLICITY	7.90% a purchase (variable)	£0	7.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 7.90% (variable)
CAPITAL ONE CLICK CARD	9.94% a purchase (variable)	£0	9.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 9.90% (variable)

Card	Purchase Rate	Duration	Representative APR
NATIONWIDE BUILDING SOCIETY SELECT CARD	0.00%	18 months	12.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 12.90% (variable)
BRITISH AIRWAYS AMERICAN EXPRESS PREMIUM PLUS CARD	0.00%	18 months	50.10% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) with an annual fee of £150.00 your Representative APR will be 50.10% (variable)
MARKS & SPENCER CREDIT CARD	0.00%	15 months	15.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 15.90% (variable)
TESCO CLUBCARD CREDIT CARD	0.00%	15 months	16.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 16.90% (variable)

Card	Rewards	Representative APR
TESCO CLUBCARD CREDIT CARD	Collect even more Clubcard points on whatever you buy, wherever you buy it. Collect 1 point per £4 spent in each purchase transaction (£4 min), you must have available credit. The card also doubles as a Clubcard, so when you use your card to pay at Tesco, you will get 1 point per £4 spent plus you will collect standard Clubcard points.	16.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 16.90% (variable)
NATWEST YOURPOINTS WORLD MASTERCARD	INTRODUCTORY OFFER ? 2,500 bonus points for all new customers. Earn 1 point for every £1 you spend whenever you use your card. Exchange your points through NatWest?s travel partners easyJet and ebookers.com or earn vouchers for top brands like M&S, Amazon.co.uk and Boots.	17.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0.00% (variable) your Representative APR will be 17.90% (variable)

fee may apply

loans

Full Width Tool Tab 2

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
PLATINUM	6.00%	£192.59	£1555.00	£11555.00
Homeowner loan borrowing £10000.00 over 5 years. Typical APR of 14.5% variable.
OCEAN FINANCE	9.70%	£250.25	£2012.00	£12012.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 13.7% variable.
CENTRAL CAPITAL	12.50%	£262.54	£2602.00	£12602.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 19.4% variable.

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
CENTRAL CAPITAL	12.50%	£262.54	£2602.00	£12602.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 19.4% variable.
NORTON FINANCE	15.90%	£277.53	£3321.00	£13321.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 17.9% variable.
OCEAN FINANCE	19.80%	£294.81	£4151.00	£14151.00
Homeowner loan borrowing £10000.00 over 4 years. Typical APR of 23.6% variable.

Loans	Headline rate	Payment per month	Total charge for credit	Total amount you repay
M&S PERSONAL LOAN	6.00%	£234.12	£1238.00	£11238.00
Representative example: If you borrow £10000.00 over 4 years at a Representative APR of 6.00% fixed and an annual interest rate of 6%.
PLATINUM	6.00%	£192.59	£1555.00	£11555.00
Homeowner loan borrowing £10000.00 over 5 years. Typical APR of 14.5% variable.
TESCO	6.10%	£234.56	£1259.00	£11259.00
Representative example: If you borrow £10000.00 over 4 years at a Representative APR of 6.10% fixed and an annual interest rate of 6.1%.

banking

Full Width Tool Tab 4

Bank	Account Name	Interest (AER)
SECURE TRUST BANK PLC	Current Account	0.5%
CARDONEBANKING	CardOneBanking managed Account	0%
ADVANCED PAYMENT SOLUTIONS FINANCIAL LTD	cashplus Deluxe Account	0%
TUXEDO	Eccount Banking	0%

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
SANTANDER	Preferred Current Account	5%	1	0	0.0000
LLOYDS TSB BANK PLC	Classic Account with Vantage	3%	3000	19.28	10.0000
HALIFAX	Reward Current Account	0%	1000	0	0.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
SANTANDER	Preferred Current Account	5%	1	0	0.0000
FIRST DIRECT	1st Account	0%	1	15.9	250.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
THE CO-OPERATIVE BANK PLC	Current Account Plus	0%	1	15.9	0.0000
FIRST DIRECT	1st Account	0%	1	15.9	250.0000
NATIONWIDE BS	FlexAccount	0%	1	18.9	0.0000
BARCLAYS BANK PLC	Bank Account	0%	1	19.3	0.0000

Bank	Account Name	Interest (AER)	Min Balance	O/D Rate	O/D Buffer
THE ROYAL BANK OF SCOTLAND PLC	Royalties Gold Account	0%	1	19.24	250.0000
NATWEST BANK PLC	Advantage Gold	0%	1	19.49	100.0000

savings

Full Width Tool Tab 5

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
ING DIRECT	ING Direct Cash ISA	3%	None	£1
VIRGIN MONEY	Virgin Easy Access Cash eISA	2.85%	None	£1
PRINCIPALITY BS	e-ISA Issue 2	2.8%	None	£1
SELFTRADE	Cash ISA Issue 1	2.62%	None	£1
HALIFAX	ISA Saver Online	2.6%	None	£1
NATWEST	e-ISA	2%	None	£1
NATIONWIDE BS	e-ISA	1.75%	None	£1
ROYAL BANK OF SCOTLAND	Instant Access Cash ISA	0.55%	Instant	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
NORTHERN ROCK	Little Rock Fixed Rate Bond Issue 6	3.3%	01.09.14	£1
NORTHERN ROCK	Little Rock Instant Access Issue 2	3%	Instant	£1
CHORLEY & DISTRICT BS	Foxley Fund	2.9%	Age 18	£1
CHELSEA BS	Ready Steady Save	2%	Instant	£1
CHELTENHAM & GLOUCESTER	Young Investor	2%	Instant	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
WEST BROM BS	Direct Bonus Account 3	3.13%	None	£10000
SANTANDER	eSaver Issue 4	3.1%	None	£1
ING DIRECT	Savings Account	2.9%	None	£1
PRINCIPALITY BS	e-SAVER Issue 4	2.85%	None	£1
VIRGIN MONEY	Virgin Easy Access eSaver	2.85%	None	£1
VIRGIN MONEY	Virgin Easy Access Saver	2.85%	Instant	£1
WEST BROM BS	WeBSave Plus 2	2.81%	None	£1000
HALIFAX	Online Saver	2.8%	None	£1
CHELSEA BS	e-Saver Reward	2.6%	None	£1

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
SCOTTISH WIDOWS BANK	5 Year Fixed Term Deposit	4.6%	14.02.17	£10000
HALIFAX	Fixed Online Saver	4.5%	5 Year Bond	£500
HALIFAX	Fixed Online Saver	4.3%	4 Year Bond	£500
HALIFAX	Fixed Online Saver	4.15%	3 Year Bond	£500
SCOTTISH WIDOWS BANK	3 Year Fixed Term Deposit	4%	02.03.15	£10000
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.9%	2 Year Bond	£1000
HALIFAX	Fixed Online Saver	3.85%	2 Year Bond	£500
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.5%	1 Year Bond	£1000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
UNITED NATIONAL BANK	10th Anniversary 90 Day Notice	3%	90 Day	£2000
PRINCIPALITY BS	60 Day Direct	2.6%	60 Day	£1000
MELTON MOWBRAY BS	Online 30 Day Notice Issue 2	2.58%	30 Day	£1000
PROGRESSIVE BS	Postal 7 Day Notice Issue 9	2.51%	7 Day	£500
FIRSTSAVE	90 Day Notice - Base Rate Linked	2.5%	90 Day	£100

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
LLOYDS TSB INTERNATIONAL	Fixed Term Deposit	4.5%	5 Year Bond	£10000
ALLIANCE & LEICESTER INTERNATIONAL	5 Year Fixed Rate Bond Issue 12	4%	28.02.17	£5000
ALLIANCE & LEICESTER INTERNATIONAL	1 Year Fixed Rate Bond Issue 100	3.4%	28.02.13	£5000
LLOYDS TSB INTERNATIONAL	International Incentive Saver	2.42%	None	£10000
BRITANNIA INTERNATIONAL	60 Day Notice	1.75%	60 Day	£5000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
BARCLAYS BANK	Monthly Savings	3.25%	12 Month Bond	£20
MARKET HARBOROUGH BS	Monthly Super Saver	2.95%	Instant	£10
BRITANNIA	Easy Monthly Saver	2.1%	None	£20
TRIODOS BANK	Fixed Regular Saver	1.76%	33 Day	£25
NATIONAL COUNTIES BS	Monthly Saver	1.5%	Instant	£20

Financial News

RBS Chair Attacks 'Anti-Business Ministers'

Suspended Dover-Calais Ferry Route To Restart

Double-Dip Recession 'Too Close To Call'

Miliband Slams 'Bonus, Bust, Bailout' Culture

RBS Chair Attacks 'Anti-Business Ministers'

Suspended Dover-Calais Ferry Route To Restart

Double-Dip Recession 'Too Close To Call'

Miliband Slams 'Bonus, Bust, Bailout' Culture

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