Moneyfacts pick of the week

• Rate: 2.47% gross / 2.50% AER paid from £1, 4.94% gross / 5.01% AER paid from £100, payable monthly (including a 1.20% gross bonus for 12 months on the £100 tier only, payable on first anniversary from account opening)
• Notice / term: None
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, 2.47% gross / 2.50% AER paid if more than three withdrawals are made per year. 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 transferring 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 a minimum account balance of £100 is maintained and not opened via transferring in an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.

• Rate: 4.79% gross / 4.90% AER payable monthly
• Notice / term: 90 days
• Minimum opening amount: £1,000
• Maximum investment amount: £500,000
• Access: Permitted, subject to 90 days’ notice via nominated account
• Further additions: Permitted via a nominated account
• Opening account: Online
• Managing account: Online and via its mobile app
• Other information: Minimum applicant age 18. Oxbury App required to use online banking. Initial deposit must be made within 90 days of account opening, or account will automatically close.

• Rate: 4.74% gross / 4.85% AER payable monthly (including a 0.99% gross bonus for 12 months)
• Notice / term: None
• Minimum opening amount: £0
• Maximum investment amount: £1 million
• Access: Permitted, 3.69% gross / 3.75% AER paid if more than three withdrawals are made per year  
• Further additions: Permitted
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18. Open banking connection to current account is required. Investors have the choice between holding a fee-free Chip subscription or paying a £4.99 fee per 28-days subscription.

• Rate: 4.74% gross / 4.74% AER, payable yearly
• Notice / term: One year
• Minimum opening amount: £1,000
• Maximum investment amount: £85,000
• Access: Not permitted
• Further additions: Not permitted
• Opening account: Online and via mobile app by Raisin UK
• Managing account: Online and via mobile app by Raisin UK
• Other information: Minimum applicant age 18. Account available via the Raisin UK platform.

• Rate: 4.66% gross / 4.66% AER payable on maturity (compounded annually)
• Notice / term: Two years
• Minimum opening amount: £10,000
• Maximum investment amount: £85,000
• Access: Not permitted
• Further additions: Permitted for 14 days from account opening
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18.

• Rate: 4.52% gross / 4.52% AER payable yearly
• Notice / term: One year
• Minimum opening amount: £10,000
• Maximum investment amount: ISA allowance
• Access: Permitted, on account closure and subject to a 90-day loss of interest penalty
• Further additions: Permitted, for 10 days from account opening
• Transfers in: Permitted, allows Cash and Stocks and Shares ISAs. Transfer instructions must be received within 10 days of account opening
• Transfers out: Permitted, subject to a 90-day loss of interest penalty
• Opening account: Online
• Managing account: Online, by phone and by post
• Other information: Minimum applicant age 18.

• Rate: 4.23% fixed for two years before reverting to 6.99%
• APRC: 6.7%
• Product fee: £490
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

_{Representative example: £250,000 mortgage over 25 years initially at 4.23% fixed for 24 months reverting to 6.99% variable for term. 24 monthly payments of £1351.55 and 276 monthly payments of £1737.50. Total amount payable £512,527.20 includes loan amount, interest of £261,987, valuation fees of £0 and product fees of £490. The overall cost for comparison is 6.7% APRC representative.}

• Rate:5.25% fixed until 30 April 2027 before reverting to 6.99%
• APRC: 7.3%
• Product fee: £495
• Maximum loan-to-value: 90%
• Available to: Remortgage customers
• Incentives: £250 cashback, free legal fees and a 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: £210,000 mortgage over 25 years initially at 5.25% fixed for 27 months reverting to 6.99% variable for 36 months and 7.74% variable for term. 27 monthly payments of £1258.42, 36 monthly payments of £1467.19 and 237 monthly payments of £1552.82. Total amount payable £455,779.52 includes loan amount, interest of £244,815, valuation fees of £0 and product fees of £495. The overall cost for comparison is 7.3% APRC representative.}

• Introductory rate for purchases: None
• Introductory rate for balance transfers: 0% for 30 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.19% as an introductory charge during the first three months from account opening, rising to 3.99% (no min) thereafter
• Card fee: None
• Opening method: Online and by phone
• Card management: Online, by phone, by post and via its mobile app
• Other information: Minimum age 18. Minimum income £5,000. Rates dependent on credit rating. One (1) point per £4 spent (£4 minimum) in Tesco and one (1) point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at one (1) point per £1 spent on shopping and an enhanced rate of one (1) point for every litre of fuel bought at Tesco Petrol Filling Stations. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. One (1) point = 1p (min 250pts)

_{Representative example: Based on a credit limit of £1200.00 charged at 24.942% 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 30 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 3.49% as an introductory charge during the first three months from account opening, rising to 5.00% (no min) thereafter
• Card fee: None
• Opening method: Online
• Card management: Online, by phone, in branch and via its mobile app
• Other information: Minimum age 18.

_{Representative example: Based on a credit limit of £1200.00 charged at 24.95% variable per annum for purchases. Representative 24.9% APR variable.}

• Representative APR: 5.9%
• Loan period: Rate shown is based on a term of 60 months for a £7,500 borrowing
• Application available: Online, by telephone and in branch
• Other information: Minimum age 18. Must be aged 21 or above to apply online. Minimum Applicant Net Income £850 per month. You may be offered an alternative APR dependent on credit rating.

_{Representative example: Based on a loan of £7,500 at 5.90% per annum fixed. Representative 5.9% APR. Total amount repayable £8,182.80 at £227.30 per month for 36 months.}