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.

BEST MORTGAGE FOR YOUR HOME National Irish Bank for loan-tovalue under 80%: 3.75% interest on LTV up to 50%, 3.85% interest on LTV 50%60%, 4.05% on LTV 60%80%.

AIB 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 CREDIT CARD American Express Blue card for perks: 1% cash back 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.

* Interest rates liable to change following the recent rate rise by the European Central Bank