Anglo Irish Bank for lump sums: 3.75% interest for 30day notice deposits with no minimum balance.

Northern Rock for online savings: 4% interest for instant-access deposits over 1,000 from 30 October.

BEST MORTGAGE FOR YOUR HOME National Irish Bank for loans of less than 80% of the value of your home: 4.24% variable interest (4.12% APR) for ECB tracker mortgage.

AIB for "rst-time buyers:

2,000 cash bonus plus competitive range of tracker mortgages.

BEST BANK FOR YOUR MONEY National Irish Bank, Permanent TSB or Ulster Bank for current accounts: no fees or charges even when overdrawn.

BEST CREDIT CARD American Express Blue card for perks: 1% cashback 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:

1,327.50 a year for two adults and two children after group discounts and tax relief.

BEST STOCKBROKING CHARGES Sharewatch for buying and selling Irish and British shares:

50 for trades of up to 15,000.