Rabodirect is offering 4.75% on deposits between 1 and 10,000, then 3.7% on amounts up to 1m and 2.7% on amounts over 1m.

AIB is offering online customers 4.25% on deposits between 20 and 1,000

BEST CREDIT CARDS

Ulster Bank offers 0% on balance transfers and purchases for the first nine months, but 18.3% on purchases thereafter

Halifax offers 0% on balance transfers and purchases for the first six months. The rate rises after this to 9.5% on purchases.

Tesco offers 0% on balance transfers for the first six months but charges 14.9% on purchases.

BEST BANK FOR YOUR MONEY

Permanent TSB, National Irish Bank and Ulster Bank all off no fees on current accounts, even when overdrawn. Ulster Bank also offers 150 to all new customers opening current accounts.

BEST STOCKBROKING CHARGES

Sharewatch for buying and selling Irish and British shares . . . 50 for trades up to 50,000.

BEST MORTGAGE SWITCHER

Halifax will pay 1,000 towards the cost of legal fees associated with switching your mortgage to them, and will also pay up to 150 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 five years.

Ulster Bank will pay all the legal fees associated with switching your mortgage. The only provision is that you must stay with them for 5 years.

IIB Homeloans will contribute up to 750 towards your legal fees but the loan amount must be over 200,000.