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Market Leading Bradford & Bingley Notice Account

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Easy Access Account
Fixed Term Bonds
Cash ISAs

Provider	AER	Notice Period	Minimum Investment
Easy Access Account
Bradford & Bingley Notice Saver Online	3.30% 2.80% bonus, 1st 12 mths	60 Days	£1,000
Bradford & Bingley Notice Saver Online	3.30% 2.80% bonus, 1st 12 mths	Our Expert Says: "Very competitive rate but note that 60 days' notice has to be given before you can access your money. Also worth noting that the product offers a 2.80% bonus which runs for the first 12 months."
Sainsbury's Finance Online Saver	3.20%	Instant	£1,000
Sainsbury's Finance Online Saver	3.20%	Our Expert Says: "Great rate but there are a few things to be aware of: you must keep at least £1,000 in the account and only 3 withdrawals a year are allowed. More than this, or let you balance drop below £1,000, and the rate drops to 0.50%."
Birmingham Midshires Telephone Extra	3.15% 2.65% bonus, 1st 12 mths	Instant	£1
Birmingham Midshires Telephone Extra	3.15% 2.65% bonus, 1st 12 mths	Our Expert Says: "Competitive rate in the first year but note the large bonus of 2.65% which ends after 12 months. You can apply over the phone on 0845 603 6597 or online."
Lloyds TSB Bank Plc Incentive Saver	3.04%	Instant	£1
Lloyds TSB Bank Plc Incentive Saver	3.04%	Our Expert Says: "Competitive rate but there are a number of restrictions: Only available to Lloyds TSB current account customers. Interest is only paid on balances up to £50,000 and no interest is paid in a month a withdrawal is made."
Scottish Widows Bank Plc Internet Saver	3.01% 1.00% bonus, 1st 12 mths	Instant	£1
Scottish Widows Bank Plc Internet Saver	3.01% 1.00% bonus, 1st 12 mths	Our Expert Says: "Competitive rate available on balances of just £1.00 or more. Penalty free withdrawals are allowed but note that the rate does include a 12 month bonus of 1.00% so be prepared to move your money once that offer ends."
Tesco Personal Finance plc Internet Saver	3.00% 1.75% bonus, 1st 12 mths	Instant	£1
Tesco Personal Finance plc Internet Saver	3.00% 1.75% bonus, 1st 12 mths	Our Expert Says: "Great rate on balances of £1.00 or more and there are no withdrawal restrictions. However, the rate does include a 12 month bonus of 1.75% so it will drop after the first year."
Alliance and Leicester Plc Online Saver Issue 6	3.00% Bonus, 1st 12 mths	Instant	£1,000
Alliance and Leicester Plc Online Saver Issue 6	3.00% Bonus, 1st 12 mths	Our Expert Says: "Highly flexible account with a competitive rate. Available to new and existing customers, unlimited penalty-free withdrawals are allowed. Be aware the rate includes a 12 month bonus."
Sainsbury's Finance Easy Saver	2.80%	Instant	£1
Sainsbury's Finance Easy Saver	2.80%	Our Expert Says: "Pick up double Nectar points on your Sainsbury's shopping for 2 years when you open and deposit a minimum balance of at least £5,000 within 30 days of account opening and maintain this amount for 2 years."
NatWest e-Savings Plus	2.75% 2.22% Gross bonus, conditions apply	Instant	£5,000
NatWest e-Savings Plus	2.75% 2.22% Gross bonus, conditions apply	Our Expert Says: "This account has a fixed bonus for 12 months provided you make no withdrawals in the month and maintain a balance of £5,000."
Abbey eSaver Issue 2	2.50% 2.00% bonus, 1st 12 mths	Instant	£1
Abbey eSaver Issue 2	2.50% 2.00% bonus, 1st 12 mths	Our Expert Says: "Competitive rate but includes a 12 month bonus of 2.00%. Very flexible with no withdrawal restrictions."

Provider	AER	Notice Period	Minimum Investment
Fixed Term Bonds
Yorkshire Building Society 5 Year Fixed Rate Bond	5.30%	28/02/2015	£100
Yorkshire Building Society 5 Year Fixed Rate Bond	5.30%	Our Expert Says: "This is another great rate Fixed Rate Bond and can be applied for either online, in branch or via the telephone. Your money will be locked away for five years with no withdrawals permitted during that time. Early closure is also not allowed."
Barnsley Building Society 4 Year Online Bond	5.00%	30/11/2013	£100
Barnsley Building Society 4 Year Online Bond	5.00%	Our Expert Says: "This is a great rate given Bank base rate is just 0.50% and the minimum investment is just £100. However, your money is locked away for four years and no withdrawals are permitted during that time. Early closure is also not allowed."
Yorkshire Building Society 3 Year Fixed Rate Bond	4.65%	28/02/2013	£100
Yorkshire Building Society 3 Year Fixed Rate Bond	4.65%	Our Expert Says: "This is another great rate Fixed Rate Bond and can be applied for either online, in branch or via the telephone. Your money will be locked away for three years with no withdrawals permitted during that time. Early closure is also not allowed."
Coventry Building Society Poppy Bond (2) 31.12.2011	4.30%	31/12/2011	£500
Coventry Building Society Poppy Bond (2) 31.12.2011	4.30%	Our Expert Says: "Highly competitive rate that is fixed until 31/12/2011 plus you can do your bit for charity: Coventry BS will donate 0.20% of the total fund to the Royal British Legion. Withdrawals aren’t permitted during the fixed term."
Abbey 2 Year Fixed Rate Bond	4.00%	01/12/2011	£10,000
Abbey 2 Year Fixed Rate Bond	4.00%	Our Expert Says: "Good 2 year account which you can apply for online. Santander is one of the largest global banks and offers a viable option for safe savings."
Barnsley Building Society 2 Year Online Bond	4.00%	30/11/2011	£100
Barnsley Building Society 2 Year Online Bond	4.00%	Our Expert Says: "Competitive rate that is fixed until 31/11/2011. However, make sure you can afford to lock your money away for that length of time as withdrawals are not allowed during the fixed term."
Barnsley Building Society 1 Year Online Bond	3.10%	30/11/2010	£100
Barnsley Building Society 1 Year Online Bond	3.10%	Our Expert Says: "Competitive rate of 3.10% that is fixed until 31/11/2010. However withdrawals are not permitted during that time so an easy access account will be better if you want to dip into your savings."
Abbey 1 Year Fixed Rate Bond	2.75%	01/12/2010	£10,000
Abbey 1 Year Fixed Rate Bond	2.75%	Our Expert Says: "Santander is one of the largest global banks and offers a viable option for safe savings; this account is for the short term saver and can be applied for online."

Provider	AER	Notice Period	Minimum Investment	Transfer In
Cash ISAs
Abbey Direct ISA Issue 3	3.00%	Instant	£9,000	Yes
Abbey Direct ISA Issue 3	3.00%	Our Expert Says: "Great for those looking to make an ISA transfer as well as invest this year’s allowance. The rate increases to 3.00% above £9k. Withdrawals are penalty-free."
ING Direct Cash ISA	2.50% 1.47% bonus, 1st 12 mths	Instant	£1	No
ING Direct Cash ISA	2.50% 1.47% bonus, 1st 12 mths	Our Expert Says: "Competitive rate although it includes a 12-month bonus. Only this year’s allowance can be invested: transfers in aren’t accepted."
Lloyds TSB Bank Plc Fixed Rate Cash ISA	2.00%	Instant	£9,000	Yes
Lloyds TSB Bank Plc Fixed Rate Cash ISA	2.00%	Our Expert Says: "Good for those looking to make an ISA transfer as well as invest this year’s allowance. The rate is tiered and increases to 3.00% on balances above £21k and 3.20% above £30k. Rate is fixed for 1 year – withdrawals will lose you 90 days' interest."
NatWest e-ISA	2.00%	Instant	£1	Yes
NatWest e-ISA	2.00%	Our Expert Says: "Only available to those with a NatWest current or instant savings account."
HSBC Bank Plc Cash e-ISA	1.75%	Instant	£1	Yes
HSBC Bank Plc Cash e-ISA	1.75%	Our Expert Says: "Monthly interest paying online ISA allowing transfers in, with no penalties for withdrawals. Only available to existing HSBC internet banking customers."
NatWest Cash ISA	0.50%	Instant	£1	Yes
NatWest Cash ISA	0.50%	Our Expert Says: "Only available to those with a NatWest current or instant savings account."

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