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Banks Must Not Bear All the Risk for Fraud

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Banks Must Not Bear All the Risk for Fraud The Sunday Times April 21, 2019 15 12 MONEY 14 PUZZLES HAVE MOVED NEWS, PAGE 30 Best Buys CURRENT ACCOUNTS FOREIGN MORTGAGES CREDIT INTEREST CURRENCY 2-YEAR FIXED RATES Provider Account name Account fee Interest rate 1 Balance Contact Lender Rate Scheme Deposit Fee Notes Contact These are the interbank Co-operative Bank Current with Everyday Rewards None £4 a month – 0345 721 2212 Santander 1.54% Fixed to 2.07.21 25% £999 LV 0800 100 802 rates at 5pm on Friday, TSB Classic Plus None 5% £1-£1,500 0345 975 8758 which show where the Post Office 1.81% Fixed to 30.06.21 15% £495 LV 0800 077 8033 Nationwide FlexDirect None 5% 2 £0.01-£2,500 0800 302 010 market is trading. Yorkshire BS 1.84% Fixed to 30.06.21 10% £995 BV 0345 166 9510 They are not indicative OVERDRAFTS * 3-YEAR FIXED RATES of the rate you will be Provider Account name Account fee Interest rate 3 0% overdraft limit Contact able to get. Lender Rate Scheme Deposit Fee Notes Contact First Direct 1st Account £10 a month 4 15.9% £250 0800 242 424 Barclays 1.63% Fixed to 31.07.22 40% £999 LV 0333 202 7580 M&S Bank Current Account None 15.9% £100 0345 900 0900 EURO Yorkshire BS 1.89% Fixed to 30.06.22 15% £995 V 0345 166 9510 Starling Current Account None 15% £0 starlingbank.com GBP>EUR Barclays 2.09% Fixed to 31.07.22 10% £999 LV 0333 202 7580 FUND FOCUS 1 Based on funding of £1,000 a month. 2 Introductory rate for one year, then 1%. 3 Equivalent annual rate. 4 Fee waived if minimum funding of £1,000 is met. * Based on overdraft of £500 for 15 days a month. LONG-TERM FIXED RATES GRESHAM HOUSE Some accounts require minimum funding/direct debits to open or receive rates shown. Lender Rate Scheme Deposit Fee Notes Contact Source: Moneyfacts.co.uk UK MICRO CAP Barclays 1.83% Fixed to 31.07.24 40% £999 LV 0333 202 7580 What it does 1.16 Yorkshire BS 2.1% Fixed to 30.06.24 15% £995 BV 0345 166 9510 Invests in small British Coventry 2.25% Fixed to 30.06.24 10% £999 LV 0800 121 8899 AMERICA businesses including CREDIT CARDS GBP>USD Barclays 1.99% Fixed to 31.07.26 40% £999 LV 0333 202 7580 those on the Alternative Investment Market (AIM), INTRODUCTORY RATES TRACKERS */ DISCOUNTS which is home to fledgling 1 Lender Rate Scheme Deposit Fee Notes Contact Provider Card type Introductory purchase APR Reward Contact companies. The fund is Sainsbury’s Bank Dual Offer Mastercard 0% for 28 months 20.9% Yes 0808 540 5060 Leeds 1.38% Tracker +0.63% to 31.05.21 25% £999 LV 0345 045 4049 fairly concentrated, with Barclaycard Platinum 27-month Purchase & Balance Transfer Visa 0% for 27 months 19.9% No 0800 731 0200 HSBC 1.69% Tracker +0.94% for 2 years 15% £999 ELV 0800 494 999 just 49 holdings. 1.30 Nationwide 2.14% Tracker +1.39% for 5 years 40% £999 AELV 0800 302 010 MBNA 0% Transfer & Purchase Mastercard 0% for 27 months 20.9% No 0345 606 2062 SWITZERLAND Hanley Economic 1.99% SVR -3.45% for term 40% £999 ELV 01782 255 000 What it invests in BALANCE TRANSFERS GBP>CHF More than two-thirds of FIRST-TIME BUYER / LOW DEPOSIT the businesses have a Provider Card type Introductory purchase Transfer fee 2 APR Contact Lender Rate Scheme Deposit Fee Notes Contact market capitalisation of MBNA Long 0% Balance Transfer Mastercard 0% for 29 months 2.75% (no min) 19.9% 0345 606 2062 Monmouthshire 2.55% SVR -2.69% for 2 years 5% £0 PVE 01633 844 351 less than £250m. Halifax 29-month Balance Transfer Mastercard 0% for 29 months 3% (no min) 19.9% 0345 944 4555 Leek United 2.95% Fixed to 31.07.21 5% £0 CPV 0808 169 6680 Top holdings include Sainsbury’s Bank Balance Transfer Mastercard 0% for 29 months 3% (min £3) 19.9% 0808 540 5060 City Pub Group, which 1.32 Barclays 2.02% Fixed to 31.07.24 25% £749 FPV 0333 202 7580 owns bars across the CASHBACK CARDS BUY TO LET south of England; Knights Provider Card type APR 1 Cashback Contact AUSTRALIA Lender Rate Scheme Deposit Fee Notes Contact Group, which provides American Express Platinum Cashback 28.2% 1%-1.25%. Intro 5% for 3 months 0800 917 8047 GBP>AUD security at stadiums Leeds 1.46% Tracker +0.71% to 31.07.21 40% £999 LV 0345 045 4049 including Wembley; and American Express Platinum Cashback Everyday 22.9% 0.5%-1%. Intro 5% for 3 months 0800 917 8047 Ipswich 3.15% Fixed to 30.06.21 20% £1,149 R 0330 123 0773 Martin Sorrell’s new Santander All in One Mastercard 21.7% 0.5% 0800 389 9905 Post Office 2.35% Fixed to 30.06.24 25% £1,495 0800 077 8033 marketing venture, 1 APR = annual percentage rate, dependent on credit rating. 2 Fee charged on the amount of each balance transfer during the introductory period. Early repayment charge applies unless otherwise stated. * Most deals track Bank of England base rate. S4 Capital. Source: Moneyfacts.co.uk Notes: SVR = Standard variable rate; A = £500 cashback for first-time buyers; B = £500 cashback; C = £250 cashback; E = No early repayment 1.82 charge; F = Help to Buy or shared-equity scheme; L = Free legal work for remortgages; P = Purchases only; R = Free valuation and legal work for remortgages; V = Free valuation. Performance Source: landc.co.uk — 0800 373 300 The fund has returned 43.2% over three years, compared with a sector SAVINGS ACCOUNTS average of 36.3%. INSTANT ACCESS What the manager says Provider Account name Min deposit Interest rate Contact CASH ISAS Brendan Gulston, co- Kent Reliance Online Only Easy Access (Issue 33) £1,000 1.5% kentreliance.co.uk INSTANT ACCESS manager of the fund, said: 1 Virgin Money Double Take E-Saver 10 £1 1.5% uk.virginmoney.com Provider Account name Min deposit Interest Transfers in Contact “While there is likely to be 2 more volatility this year, Marcus Online Savings £1 1.49% marcus.co.uk Kent Reliance Easy Access (Issue 18) £1,000 1.46% Yes kentreliance.co.uk that means opportunities Leeds 1 Limited Issue Online Access (Issue 11) £1,000 1.46% Yes leedsbuildingsociety.co.uk NOTICE ACCOUNTS too. Large businesses are 1 Account matures on 4.05.2020. often impacted by macro Provider Account name Notice period Min deposit Interest rate Contact FIXED RATE factors, such as Brexit, but Secure Trust Bank 3 90-day Notice 90 days £1,000 1.89% securetrustbank.com Provider Account name Term Min deposit Rate Transfers in Contact smaller companies tend OakNorth 90-day Notice Deposit 90 days £1,000 1.77% oaknorth.com to operate in more Kent Reliance Cash Isa (Issue 30) 1 year £1,000 1.8% Yes kentreliance.co.uk Charter Savings Bank 60-day Notice (Issue 9) 60 days £5,000 1.61% chartersavingsbank.co.uk insulated, niche markets, Kent Reliance Cash Isa (Issue 29) 2 years £1,000 1.9% Yes kentreliance.co.uk which means they can be FIXED-RATE BONDS Source: Savingschampion.co.uk — 0808 178 5354 more agile in economic Provider Account name Term Min deposit Interest rate Contact headwinds.” Kent Reliance Fixed-rate Bond (Issue 61) 1 year £1,000 2% kentreliance.co.uk What the experts say Secure Trust Bank Fixed-rate Bond (4.05.21) 2 years £1,000 2.27% securetrustbank.com Laith Khalaf at Hargreaves Aldermore Fixed-rate Account 3 years £1,000 2.4% aldermore.co.uk Lansdown said: “Smaller 1 Maximum of two easy access withdrawals a year. 2 Rate includes 0.15% bonus for first 12 months. 3 Maximum three capital withdrawals a year. CHILDREN’S ACCOUNTS companies are a rich DEALS ARE LISTED ONLY IF THEY ARE COVERED BY THE UK FINANCIAL SERVICES COMPENSATION SCHEME (FSCS) OR A EUROPEAN EQUIVALENT Provider Account name Account type Min deposit Interest rate Contact hunting ground for Source: Savingschampion.co.uk — 0808 178 5354 Halifax Kids’ Monthly Saver Regular saver £10 4.5% halifax.co.uk talented fund managers because they tend to be Santander 1 123 Mini Current Account Current account £300 2.96% santander.co.uk under-researched, and Cambridge 3-year Fixed-rate Bond Fixed-rate bond £1,000 2% cambridgebs.co.uk Gresham House is a great 1 Interest rates are tiered: 1% on balances of £100-£199; 1.98% on £200-£299; 2.96% on £300-£2,000. example of what can be JUNIOR ISAS achieved. A concentrated ENERGY DEALS Supplier Average annual bill Rate Contact Provider Account name Min deposit Interest rate Rate Contact portfolio adds risk but should deliver handsome Table shows the cheapest tariff from the 3 cheapest Utility Point £911 V 0345 557 7878 Coventry Junior Cash Isa (1) £1 3.6% V coventrybuildingsociety.co.uk suppliers.Excludessuppliers. Excludes fixed fixed tariffs tariffs of of less less than than 12 12 returns if the manager months’ duration. Excludes tariffs that do not have People’s Energy £918 F 0131 285 5510 NS&I Junior Isa £1 3.25% V nsandi.com picks the right stocks.” national coverage. Excludes tariffs where payments Yorkshire Energy £960 F 0113 451 0700 are taken in advance of the customer coming on TSB Junior Cash Isa £1 3.25% V tsb.co.uk Holly Black supply.
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