Financial News

Public Wants Top Bosses' Pay Reduced

Boardrooms should "wake up" to the gap between sky high executive pay and public opinion, according to a new report.

RBS Boss 'To Be Offered 12 Million Shares'

RBS chief executive Stephen Hester is likely to be offered a potential bonus of 12 million shares for 2012, according to Sky News sources.

Osborne: Eurozone Must Show Colour Of Money

George Osborne has reinforced his message to the eurozone that Britain is "ready" to help boost IMF resources to bail out struggling economies - but only if strict criteria are...

UK Food Producers Promised Export Help

British food producers are being promised more help to export their goods to lucrative overseas markets such as India and China.

Public Wants Top Bosses' Pay Reduced

RBS Boss 'To Be Offered 12 Million Shares'

Osborne: Eurozone Must Show Colour Of Money

UK Food Producers Promised Export Help

more of today's top stories

view full financial news archive

RBS Boss Under Pressure To Forgo £1m Bonus

The political row over bankers' bonuses is heating up, with the boss of taxpayer-owned Royal Bank of Scotland coming under increasing pressure to turn down his £1m bonus.

Bonus Q&A: Does RBS's Boss Deserve £1m?

The decision to award Stephen Hester, the CEO of taxpayer-backed Royal Bank of Scotland, a bonus of almost £1m this year has prompted near outrage. Find out the facts behind the...

Treasury To Get Ultimate Bank Bailout Powers

The Treasury is to be given sole power over when to bail out banks in the event of another financial crisis, under new plans announced by Chancellor George Osborne.

Biz Bulletin: Poor Christmas Sales Hit Hornby

Toymaker Hornby has warned its profits will be hit because of poor UK sales over the Christmas period.

Osborne Calls On Euro Leaders To Act Quickly

The Chancellor, George Osborne, has called on leaders of eurozone countries to act quickly to end the debt crisis - as another agency downgrades the credit ratings for five...

FSA Chief: Big Bonuses 'Not Good For Society'

The head of the UK's financial watchdog has told Sky News he believes excessive executive bonuses are "not good for society".

markets

Graph time span

Index	Value	Change
FTSE-100	5795.20	72.20	1.26%
FTSE-250	10908.82	160.43	1.49%
FTSE AllShr	2987.74	37.77	1.28%
Dow Jones	12660.46	-74.17	-0.58%
Nasdaq	2816.55	11.27	0.40%
S&P 500	1316.33	-2.10	-0.16%
Xetra DAX	6511.98	-27.87	-0.43%
CAC 40	3318.76	-44.47	-1.32%
Hang Seng	20501.67	62.53	0.31%
Nikkei 225	8841.22	-8.25	-0.09%

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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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
BARCLAYCARD PLATINUM WITH LONGEST BALANCE TRANSFER	0.00%	24 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)
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)

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	This card offers the HIGHEST ongoing and uncapped cashback rate available across virtually all purchases, regardless of spend level. The card has a 2.5% introductory cashback offer, up to a maximum of £100. 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
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)
AQUA CREDIT CARD	£1200.00	£0	35.90% (variable)
Representative example: If you spend £1200.00 at a purchase rate of 0% (variable) your Representative APR will be 35.90% (variable)
VANQUIS BANK CREDIT CARD	£1000.00	£0	39.90% (variable)
Representative example: If you spend £1000.00 at a purchase rate of 0% (variable) your Representative APR will be 39.90% (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
HSBC BANK PLC	Bank Account	6%	0	19.9	0.0000
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
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
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

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

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
SCOTTISH WIDOWS BANK	5 Year Fixed Term Deposit	4.6%	14.02.17	£10000
SCOTTISH WIDOWS BANK	3 Year Fixed Term Deposit	4%	30.01.15	£10000
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.9%	2 Year Bond	£1000
ALLIED IRISH BANK (GB)	Fixed Rate Bond	3.5%	1 Year Bond	£1000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment
LLOYDS TSB INTERNATIONAL	Fixed Term Deposit	4.5%	5 Year Bond	£10000
LLOYDS TSB INTERNATIONAL	International Incentive Saver	2.42%	None	£10000

Bank	Account Name	Interest (AER)	Notice Term	Minimum Investment

Financial News

Public Wants Top Bosses' Pay Reduced

RBS Boss 'To Be Offered 12 Million Shares'

Osborne: Eurozone Must Show Colour Of Money

UK Food Producers Promised Export Help

Public Wants Top Bosses' Pay Reduced

RBS Boss 'To Be Offered 12 Million Shares'

Osborne: Eurozone Must Show Colour Of Money

UK Food Producers Promised Export Help

more of today's top stories

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