Then 3.7% on amounts to Euro1m and 2.7% on any amount over Euro1m.

? Northern Rock is offering online customers 4.15% on deposits between Euro1,000 and Euro3m.

BEST CREDIT CARDS ? Halifax offers 0% on balance transfers for the "rst 12 months and 0% on purchases for same period. Afterwards, the rate goes up to 15.9% on purchases.

? Ulster Bank offers 0% on balance transfers for nine months, but 18.3% on purchases thereafter.

? Tesco offers 0% on balance transfers for six months and 14.9% on purchases thereafter.

BEST BANK FOR YOUR MONEY ? Permanent TSB, National Irish Bank and Ulster Bank all offer no fees on current accounts, even when overdrawn.

BEST STOCKBROKING CHARGES Sharewatch for buying and selling Irish and British shares - Euro50 for trades up to Euro50,000.

BEST MORTGAGE SWITCHER ? Halifax will pay Euro1,000 towards the cost of legal fees associated with switching your mortgage to them, and will also pay up to Euro150 to cover the valuation fees. The legal fees contribution will have to be repaid if you decide to switch your mortgage away from Halifax within "ve years.

? National Irish Bank will pay Euro600 towards fees.