Moneyfacts pick of the week

• Rate: 4.38% gross / 4.42% AER paid monthly (new money only, includes 1.86% gross / 1.88% AER bonus for 12 months, paid to the account on the first anniversary from opening)
• Notice / term: None
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, minimum withdrawal £1
• Further additions: Permitted, minimum addition £1
• Transfers in: Permitted, accepts Cash ISAs, Stocks & Shares ISAs, Help to Buy ISAs, Lifetime ISAs, Innovative Finance ISAs, and Stocks & Shares LISAs. Bonus rate not applicable if opened via transfer of an existing ISA
• Transfers out: Permitted
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18. Operated by Citibank UK Limited. Bonus rate only applicable if not opened via transferring an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.

• Rate: 3.69% fixed until 30 June 2028 before reverting reverting to 5.99%
• APRC: 6.1%
• Product fee: £995
• Maximum loan-to-value: 80%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative Example: £250,000 mortgage over 25 years initially at 3.69% fixed for 28 months reverting to 5.99% variable for 36 months and 6.74% variable for term. 28 monthly payments of £1277.18, 36 monthly payments of £1582.22 and 236 monthly payments of £1678.02. Total amount payable £489,868.68 includes loan amount, interest of £238,734, valuation fees of £0 and product fees of £995. The overall cost for comparison is 6.1% APRC representative.}

• Rate: 4.08% fixed until 31 May 2028 before reverting to 6.74%
• APRC: 6.5%
• Product fee: None
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland. Online exclusive deal.

_{Representative Example: £170,000 mortgage over 25 years initially at 4.08% fixed for 27 months reverting to 6.74% variable for term. 27 monthly payments of £578.00 and 273 monthly payments of £954.83. Total amount payable £446,399.59 includes loan amount, interest of £276,275, valuation fees of £75 and product fees of £0. The overall cost for comparison is 6.5% APRC representative.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 36 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.15% 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 £20,000pa. 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 at 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: 1.49% gross / 1.50% AER per annum on balances up to £4,000, 2.96% gross / 3.00% AER on balances between £4,000 - £5,000. No interest paid on balances over £5,000.
• Cashback on debit card purchases: Everyday offers – Earn up to 15% cashback from selected retailers when shopping with a Lloyds Bank credit or debit card. Customers must be registered for online banking and hold a Lloyds Bank current account to be eligible
• Account fee: £5. Account fee waived if account credited with at least £2,000 per month
• Arranged overdraft: 29.90% EAR, plus £100 interest-free buffer. Interest-free for three months on switched current accounts
• Opening account: Online, by phone, in branch or mobile app
• Managing account: Online, by phone, in branch, mobile app, by post, at the Post Office and text alerts
• Other information: Minimum applicant age 18. £200 cashback for accounts switched using the Current Account Switch Service, must transfer three direct debits by 30.4.26, must spend £100 on debit card within 35 days of account opening, previous account must be closed. Eligible for linked Savings Pots. Customers can choose one lifestyle benefit each year from a 12-month Disney+ subscription, cinema tickets, magazine subscription, Gourmet Society membership or digital movie rentals

_{Representative Example: Based on an overdraft limit of £1200. Up to £100.00 charged at 0.00% EAR Variable. Over £100.00 charged at 29.90% EAR Variable. Representative 33.2% APR variable.}

• Representative APR: 6.1%
• Loan period: Rate shown is based on a term of 60 months for a £7,500 borrowing
• Application available: Online and by phone
• Other information: Minimum age 18. You may be offered an alternative APR dependent on credit rating.

_{Representative Example: Based on a loan of £7,500 at 6.10% per annum fixed. Representative 6.1% APR. Total amount repayable £8,686.20 at £144.77 per month for 60 months.}