AIB Bank for regular savings: 6.34% interest on deposits of 10- 300 a month until the end of 2007.

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

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

BEST MORTGAGE FOR YOUR HOME

National Irish Bank for loanto-value under 80%: 3.75% interest on LTV up to 50%, 3.85% interest on LTV 50%-60%, 4.05% on LTV 60%-80%.

AIB Bank for "rst-time buyers: 2,000 cash bonus plus tracker rate of 4.35%.

BEST BANK FOR YOUR MONEY

National Irish Bank, Permanent TSB or Ulster Bank for current accounts: no fees or charges even when overdrawn.

BEST CRDIT CARD

American Express Blue card for perks: 1% cashback on all your spending.

Halifax 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: 1,420.50 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.