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Market Oracle FREE Newsletter

Category: Current Accounts

The analysis published under this category are as follows.

Personal_Finance

Wednesday, November 01, 2017

Don’t Waste Your Payday Cash on Bank Overdraft Charges / Personal_Finance / Current Accounts

By: MoneyFacts

As the last day of the working month, today could well be the time when workers get paid their monthly salary. Some may be breathing a sigh of relief as their pay packet hits their bank account, but those customers who were in their overdraft may find that they are missing some of their hard-earned cash as it becomes wasted on excessive overdraft charges.

According to the latest research by moneyfacts.co.uk, the upcoming overdraft changes due this week from Lloyds Bank may be the perfect prompt for borrowers to check how they use their overdraft facility and whether the changes make them better or worse off.

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Personal_Finance

Tuesday, July 04, 2017

UK Bank Rewards Current Accounts / Personal_Finance / Current Accounts

By: MoneyFacts

Consumers looking to earn a little back when they switch and spend may have noticed that some current account providers are shrinking the rewards they have on offer. The reason behind this appears to be down to low interest rates, but other factors could also be dampening activity in this area of the market.

The banks are expected to retain more capital, which could result in them spending less on perks for customers - meaning decreasing and disappearing rewards, as we’ve seen since the start of 2017.

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Personal_Finance

Tuesday, January 24, 2017

UK Current Account Sweeteners That Can Turn Sour / Personal_Finance / Current Accounts

By: MoneyFacts

Current accounts can offer some fantastic perks for switchers or savers, but if consumers failed to grab a top deal last year they would be disappointed to know that some banks have clawed back their perks.

Additionally, using the overdraft facility on some of these accounts over a long period can turn upfront cash sweeteners quite sour. The Current Account Switch Guarantee is well established, following its launch in 2013, but the latest research by Moneyfacts.co.uk can reveal that cash switching incentives, which could be a big enticement to switch, are in fact being cut down.

Read full article... Read full article...

 


Personal_Finance

Tuesday, September 20, 2016

Savers Could Earn Over 10% by Using a Current Account / Personal_Finance / Current Accounts

By: MoneyFacts

At a time when savings rates are reaching record lows, there are clearly far fewer ways of earning a decent return. Surprisingly, a current account could be a salvation for savers weathering the current climate, thanks to the rewards they offer.

By making use of the Current Account Switch Guarantee (which has been in force for three years this month), spenders and savers alike could earn up to £220 in the first year when moving their account.

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Personal_Finance

Tuesday, August 09, 2016

UK Bank Current Accounts Conundrum / Personal_Finance / Current Accounts

By: MoneyFacts

Current account customers who are considering switching their bank account will be facing an ever growing challenge to find the right deal. Now that the Competition and Markets Authority (CMA) have finalised the retail banking report, many customers will be hoping for more competition in the market for their business.

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Personal_Finance

Tuesday, July 12, 2016

Extortionate Fees Push Bank Overdraft Costs to a New High / Personal_Finance / Current Accounts

By: MoneyFacts

In March 2009 the credit crunch started to bite and base rate fell to its historic low of 0.50%. Since then, the cost of borrowing using a current account has risen, and it has now hit yet another high. Indeed, the latest research by Moneyfacts.co.uk can reveal that authorised overdrafts could now cost borrowers as much as £180 a year.

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Personal_Finance

Monday, April 25, 2016

2.8 Million Bank Switches Create Current Account Storm / Personal_Finance / Current Accounts

By: MoneyFacts

In previous years banking customers have had little incentive to switch their current account, but since the launch of the Current Account Switch Guarantee in 2013, almost three million people have ditched their old account*. As a result, a veritable current account storm has been created as providers compete to attract new customers.

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Personal_Finance

Monday, March 21, 2016

Over 90% of Current Accounts Charge Fees / Personal_Finance / Current Accounts

By: MoneyFacts

The latest research from Moneyfacts.co.ukreveals that more and more day-to-day current accountcustomers* are paying fees to use their account. Traditionally, customers would pay fees to get extra add-ons, such as travel insurance, but not all fee-charging accounts continue to reward their customers in this way.

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Personal_Finance

Monday, January 18, 2016

Free Cash Incentives Tempt Bank Current Account Switchers / Personal_Finance / Current Accounts

By: MoneyFacts

Current accounts are renowned for their perks, which can include benefits such as insurance add-ons, but providers are now upping the ante by offering cash bonuses to entice new customers.

Since the launch of the Current Account Switch Guarantee in 2013, Moneyfacts.co.uk has seen a sharp rise in the number of cash incentives being offered with current accounts, with some deals boasting sums of up to £220 a year.

Read full article... Read full article...

 


Personal_Finance

Tuesday, October 06, 2015

UK Current Account Bank Fees on the Rise / Personal_Finance / Current Accounts

By: MoneyFacts

Recent research by Moneyfacts.co.uk shows that there has been a rise in the cost of some high street current accounts over the past two years, with account fees and overdraft usage fees creeping up.

This upward trajectory is likely to continue into next year, as another high street bank is already making plans to more than double its account fee in early 2016, without offering any extra benefits.

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Personal_Finance

Wednesday, September 02, 2015

How to Make Sure the Government Can’t Freeze Your Bank Account / Personal_Finance / Current Accounts

By: Casey_Research

By Justin Spittler

If you wake up tomorrow and your bank account is frozen… what will you do?

You probably remember when the financial crisis in Greece was dominating headlines a few weeks ago.

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Personal_Finance

Wednesday, September 02, 2015

Parents Send Your Finances Back to School / Personal_Finance / Current Accounts

By: MoneyFacts

As parents breathe a sigh of relief as the kids go back to school, now is the perfect time to take stock of your finances and teach yourself a few things about personal finance. 

Charlotte Nelson, Finance Expert at Moneyfacts.co.uk, said:        

“A well-deserved sit-down to sift through your income and expenditure will highlight any areas you need to tackle. Fixing your finances sooner rather than later will lift a massive weight off your shoulders and make things far more manageable.”

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Personal_Finance

Tuesday, July 21, 2015

Bank Current Account Overdraft Fees Hit a High, Attacking Careful Customers / Personal_Finance / Current Accounts

By: MoneyFacts

Research by Moneyfacts.co.uk reveals that considerate customers who plan their authorised overdraft are being rewarded with higher fees, while those who fall into an unauthorised overdraft are seeing their costs reduce.

Providers traditionally charged interest on the amount customers borrowed in their overdraft, but in recent years other fees, such as usage fees, have been introduced. These fees sit either alongside the usual interest rate or in its place, and are designed to make bank charges clearer.

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Personal_Finance

Tuesday, July 07, 2015

Current Accounts Become a Salvation for UK Savers / Personal_Finance / Current Accounts

By: MoneyFacts

Rachel Springall, Finance Expert at Moneyfacts.co.uk, comments:

“In the past, current accounts paid less favourable rates of credit interest than standard savings accounts, but today, things couldn’t be more different.

“Savers can earn over three times more interest using a current account compared with the best easy access account on the market.* For this reason, it wouldn’t be surprising if savers flock to these accounts and abandon standard savings accounts altogether.

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Personal_Finance

Wednesday, January 28, 2015

How to Find the Best Offshore Banks / Personal_Finance / Current Accounts

By: Casey_Research

By Nick Giambruno

It’s hard to think of a topic where following the conventional wisdom can be more dangerous.

And that topic is banking.

It’s generally accepted as an absolute truth by the public and most financial experts that putting your money in a domestic bank is a safe and responsible thing to do. After all, if anything were to go wrong, your deposits are insured by the government.

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Personal_Finance

Saturday, January 24, 2015

10 Reasons Why You Need an Offshore Bank Account / Personal_Finance / Current Accounts

By: Casey_Research

By Nick Giambruno

You may have wondered: “What’s the difference between having a bank account at Bank of America and having an offshore bank account?”

The truth is, there’s possibly all the difference in the world.

Here are the top 10 reasons why you need an offshore bank account.

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Personal_Finance

Wednesday, November 16, 2011

The New Banking Fees That Are Silently Squeezing You / Personal_Finance / Current Accounts

By: Money_Morning

Best Financial Markets Analysis ArticleKerri Shannon writes: Customers won a victory in early November when their protests prompted Bank of America Corp. (NYSE: BAC) to drop new banking fees on debit cards.

But while you were celebrating, banks got busy finding new ways to recoup that money.

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Personal_Finance

Saturday, May 12, 2007

Britain's Best Bank for Personal Banking, Current Account Services Poll Results / Personal_Finance / Current Accounts

By: Shahla_Walayat

The poll conducted by the MarketOracle.co.uk shows that out of a selection of 29 choices the highest votes cast for the best bank for UK personal banking services, (primarily current account and linked products) are for the Abbey National.

In total 617 votes were cast between 26th April and 11th May 2007. The top 8 financial institutions for personal banking services are -

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Personal_Finance

Thursday, May 03, 2007

Vote for the Best Bank in Britain, Abbey National leads the pack / Personal_Finance / Current Accounts

By: Shahla_Walayat

With the UK local election voting taking place today, we remind readers of the ongoing Market Oracle poll on the Best UK Bank for Personal Banking services such as current accounts.

With some 230 votes in, the results so far show the following top 5 banking institutions by number of votes cast from a selection of 29 options.

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Personal_Finance

Tuesday, March 27, 2007

Current accounts - an alternative home for your Savings / Personal_Finance / Current Accounts

By: MoneyFacts

Andrew Hagger, head of news and press at Moneyfacts.co.uk, the money search engine comments “Over the last couple of years we’ve seen the emergence of more current accounts offering high credit interest rates, some of which are on a par with the top paying savings accounts.

“Traditionally, people keep their current account for managing their day to day finances and maintain a separate savings account, often with a different institution, in which to hold their savings balances.

Read full article... Read full article...