Moneyfacts pick of the week

• Rate: 4.55% gross / 4.55% AER payable yearly / monthly interest option of 4.46% gross / 4.55% AER also available
• Notice / term: None
• Minimum opening amount: £1
• Maximum investment amount: £500,000
• Access: Permitted, lower rate of 1.65% gross/AER yearly or 1.64% gross / 1.65% AER monthly paid if more than three withdrawals made per account year (1 May to 30 April)
• Further additions: Permitted
• Opening account: Online
• Managing account: Online
• Other information: Joint account option available. Matures on 31 January 2027 into a limited access account.

• Rate: 4.32% fixed until 28 February 2031 before reverting to 6.49%
• APRC: 5.7%
• Product fee: £999
• Maximum loan-to-value: 90%
• Available to: House purchase customers
• Incentives: Free valuation and £350 cashback
• Flexible features: Allows overpayments 
• Lending area: Great Britain and Northern Ireland.

_{Representative example: £250,000 mortgage over 25 years initially at 4.32% fixed for 63 months reverting to 6.49% variable for term. 63 monthly payments of £1364.16 and 237 monthly payments of £1628.45. Total amount payable £473,028.73 includes loan amount, interest of £221,885, valuation fees of £0 and product fees of £999. The overall cost for comparison is 5.7% APRC representative.}

• Rate: 4.19% fixed until 31 January 2031 before reverting to 8.34%
• APRC: 7.1%
• Product fee: £995
• Maximum loan-to-value: 75%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments 
• Lending area: Great Britain.

_{Representative Example: £170,000 mortgage over 25 years initially at 4.19% fixed for 62 months reverting to 8.34% variable for term. 62 monthly payments of £593.58 and 238 monthly payments of £1181.50. Total amount payable £489,043.96 includes loan amount, interest of £317,999, valuation fees of £0 and product fees of £995. The overall cost for comparison is 7.1% APRC representative.}

• Introductory rate for purchases: 0% for 21 months
• Introductory rate for balance transfers: 0% for 24 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.45% as an introductory charge during the first two months from account opening. Standard fee quoted on application. Balance must be transferred within 60 days
• Card fee: None
• Opening method: Online, by phone and in branch
• Card management: Online, by phone, by post, in branch and via its mobile app

• Other information: Minimum age 21. Minimum income £20,000 per year. Buy tickets for up to 3,500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices. Save 10% on food and drink at all UK 02 Academy venues. Earn up to 15% cashback on selected retailers with Barclaycard Cashback Rewards.

_{Representative Example: Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.}

• Credit interest / reward: 3.93% gross / 4.00% AER monthly on balances up to £1 million. 0% paid on portion of balance over £1 million.

• Cashback on debit card purchases: None
• Account fee: None
• Arranged overdraft: None
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18.

• Credit interest / reward: None
• Account fee: None
• Arranged overdraft: 39.94% EAR. 0% for the first four months when switching.
• Opening account: Online, by phone, in branch, and via its mobile app
• Managing account: Online, by phone, in branch, by post, in the post office and via its mobile app
• Other information: Minimum applicant age 18. Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers. Customer must be signed up to online and mobile banking to qualify. £200 free cash offer, using the Current Account Switch Service for new accounts provided at least £1,500 credited and two active direct debits within 60 days of request. Terms & Conditions apply.

_{Representative Example: Based on an overdraft limit of £1200 charged at 39.94% EAR Variable. Representative 39.9% APR variable.}