Moneyfacts pick of the week

• Rate: 4.53% gross / 4.53% AER payable on maturity, monthly interest option of 4.44% gross / 4.53% AER
• Notice / term: One year
• Minimum opening amount: £1,000
• Maximum investment amount: £100,000
• Access: Not permitted
• Further additions: Permitted, for 21 days from account opening
• Opening account: Online
• Managing account: Online and via its mobile app
• Other information: Minimum applicant age 18. Joint account option available.

• Rate: 4.51% gross / 4.51% AER payable on anniversary
• Notice / term: Five years
• Minimum opening amount: £5,000
• Maximum investment amount: £250,000
• Access: Not permitted
• Further additions: Permitted for 14 days from account opening via nominated account
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18.

• Rate: 3.91% fixed to 31 October 2027 before reverting to 5.74%
• APRC: 6.4%
• Product fee: £995
• Maximum loan-to-value: 75%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments. Underpayments and payment holidays considered, not to exceed level of overpayments previously made
• Lending area: Great Britain and Northern Ireland.

_{Representative example: £250,000 mortgage over 25 years initially at 3.91% fixed for 27 months reverting to 5.74% variable for 36 months and 7.24% variable for term. 27 monthly payments of £1307.20, 36 monthly payments of £1550.98 and 237 monthly payments of £1744.17. Total amount payable £505,632.97 includes loan amount, interest of £254,498, valuation fees of £0 and product fees of £995. The overall cost for comparison is 6.4% APRC representative.}

• Rate: 4.95% fixed to 30 November 2028 before reverting to 5.99%
• APRC: 6.1%
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments. Payment holidays after six months, maximum six months holiday per year subject to sufficient overpayments, approval and 14 days’ notice
• Lending area: Great Britain.

_{Representative example: £250,000 mortgage over 25 years initially at 4.95% fixed for 40 months reverting to 5.99% variable for 24 months and 6.54% variable for term. 40 monthly payments of £1454.20, 24 monthly payments of £1592.72 and 236 monthly payments of £1663.17. Total amount payable £489,006.40 includes loan amount, interest of £238,901, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.1% APRC representative.}

• Rate: 3.84% fixed to 30 September 2030 before reverting to 7.60%
• APRC: 6.7%
• Product fee: £3,999
• Maximum loan-to-value: 75%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative example: £170,000 mortgage over 25 years initially at 3.84% fixed for 62 months reverting to 7.60% variable for term. 62 monthly payments of £544.00 and 238 monthly payments of £1076.67. Total amount payable £464,119.46 includes loan amount, interest of £289,975, valuation fees of £0 and product fees of £3999. The overall cost for comparison is 6.7% APRC representative.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 33 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 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.}

• Introductory rate for purchases: 0% for three months
• Introductory rate for balance transfers: 0% for 24 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 1.95% as an introductory charge during the first two months from account opening, rising to 5.00% (no min) thereafter
• Card fee: None
• Opening method: Online, by phone and in branch
• Card management: By phone, post and via its mobile app
• Other information: Minimum age 18. Enjoy exclusive offers and rewards on the Virgin Red app. Rates dependent on credit rating.

_{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: None
• Cashback on debit card purchases: Customers can earn up to £15 per month cashback in the first six months when making 20 or more debit card payments each month
• Account fee: None
• Arranged overdraft: 39.90% EAR, plus interest-free for three months on switched current accounts
• Opening account: Online, in branch or via mobile app
• Managing account: Online, in branch, by phone, via mobile app or at the Post Office
• Other information: Minimum applicant age 18. Eligible for linked Savings Pots. £100 free cash offer, using the Current Account Switch Service, customers must have logged into the TSB Mobile Banking App and made at least five debit card payments by 29 September 2025.

_{Representative example: Based on an overdraft limit of £1200 charged at 39.90% EAR Variable. Representative 39.9% APR variable.}