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MONEY TALKS



BEST HOME FOR YOUR CASH
* Anglo Irish Bank for regular savings: 5.5% interest for two years on deposits of 100 to 1,000 a month.
* National Irish Bank for lump sums: 3.8% interest on deposits of 5,000 to 20,000 and 4% on 20,000 to 50,000 until the end of 2008
* Northern Rock for online savings: 3.75% interest for no-notice internet deposits over 1,000 from 30 August

BEST MORTGAGE FOR YOUR HOME
* National Irish Bank for loans of less than 80% of your house price: 4.99% variable interest on ECB tracker mortgage
* AIB, Bank of Ireland, First Active, ICS, IIB or Permanent TSB for loans of more than 80% of your house price: 4.1% variable interest on ECB tracker mortgage over 250,000

BEST BANK FOR YOUR MONEY
* National Irish Bank, Permanent TSB or Ulster Bank for current accounts: no fees or charges even when the account is overdrawn BEST CREDIT CARD
* American Express Blue card for perks: 1% cash back on all your spending
* Bank of Scotland (Ireland) Plastic card for borrowing: 9.5% interest on purchases
* Ulster Bank for interest-free credit: 0% interest on balance transfers and new purchases for nine months

BEST FAMILY HEALTH INSURANCE
* Vivas Health ('we plan', level 2) for hospital cover: 1,212.25 a year for two adults and three children if cover is bought before the middle of September

BEST STOCKBROKING CHARGES
* Sharewatch for buying and selling Irish and UK shares: 50 for trades of up to 15,000




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