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www.Firstdirect.com was launched in 1989, their philosophy was simple - to offer a convenient, hassle-free banking service with personality. At the time, telephone banking was a brand new concept and it proved so popular that they now have over 1 million customers.

Their fully integrated banking service can now be accessed by telephone, mobile phone or on the internet 24 hours a day, 365 days a year.

Opening a First Direct Bank Account gives you:

  • a £25 cash welcome when you open an account
  • free text message mini-statements sent to your mobile phone
  • a £500 fee free overdraft
  • 24 hour, 365 day a year banking by phone, internet or mobile
  • a bank that pro-actively tells you before you go overdrawn
  • No arrangement or renewal fees on overdrafts up to £5,000
  • 24-hour access from anywhere in the world, with calls always answered by a real person (calls from the UK at local rates)
  • £100 cheque guarantee card with Switch/Maestro (which can be used at home or abroad)

Click the link below to open your First Direct account today!


ING Direct is part of ING (International Netherlands Group), which is one of the world’s largest financial services organisations, operating in 60 countries with over 115,000 employees. ING Direct is a licensed bank in the UK and adheres to the Banking Code (www.bankingcode.org.uk). ING Direct is also a member of the Financial Services Compensation Scheme (www.fscs.org.uk).

  • 4.75% AER on any credit balance *Interest is variable.
  • No charge for normal day-to-day banking transactions in the UK
  • Open an account with only £1
  • No restrictions
  • Safe and Secure

When you open an account with ing direct, an electronic link between your current account and ING Direct is set up. This allows you to move money in and out of your ING Direct Savings Account to and from your current account, whenever you want. There are no fees and no penalties.

Lloyds TSB current accounts offer a fixed interest rate of 5% AER on the first £5,000 of balances until 30st August 2005 when they:

  • agree to pay in a minimum of £2,000 a month (if you agree to pay in a minimum of £1,000 a month you will still earn 4.33% AER* / 4.25% Gross*)
  • log on to Internet banking at least 6 times every 3 months
  • apply before 29 August 2004

With a Lloyds TSB bank account (www.lloyds.com) you can use the Internet to:

  • review balances and transactions
  • transfer money between your Lloyds TSB personal accounts or into another person's UK bank account
  • pay bills such as credit card or utility bills
  • set up, change or cancel most standing orders
  • view and cancel most Direct Debits

The Alliance & Leicester Premier Plus Current Account offers 50 times more interest than the big banks. Click the link below for their latest interest rate!

If you do go overdrawn, you'll pay 0% EAR in your first year. You'll also get FREE worldwide annual travel insurance, currently worth up to £80 from alliance and leicester !

  • Linked PlusSaver account - now at 4.5% Gross AER (variable) p.a.
  • Optional Moneyback Plus Credit Card with introductory offer
  • Preferential deals on mortgages, loans, and investments
  • FREE internet and telephone banking
  • Access to all UK cash machines, UK Post Office™ branches, and Alliance & Leicester branches
  • Access to all UK cash machines and UK Post Office® branches
  • 3 in 1 Visa Debit, £100 cheque guarantee, and cash machine card

The Instant Reserve Business Account offers savers:

  • Earn 4.07% AER (variable)* on all balances
  • Minimum balance £1, maximum balance £2million
  • No complicated tiers of rates, you receive our base rate minus 0.5%
  • No notice, direct access to your funds
  • 10 free withdrawals per month and only £2 thereafter
  • Deposit money by post or electronic transfer (BACS)
  • Withdraw money from cash machines or via electronic transfer (BACS)
  • Managed online and via phone, fax and post.

With this Instant Reserve Deposit Account, you can have the peace of mind of knowing that your money will be available to you without giving notice, but also benefit from higher returns that are typical of longer-term deposits. You don't even need to have a current account with us.

This account is available to all businesses, regardless of turnover. You can have up to 120 free withdrawals a year provided you make no more than 10 in any month. If you do need extra withdrawals, that's no problem but there will be a charge of £2 per transaction on the eleventh and any subsequent withdrawals.

You can make deposits by post and electronic transfer (BACS) and withdrawals can be made via cash machine or electronic transfer. The account can be managed by phone, fax, post and via the Internet.


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