RaboDirect is offering 4.75% on deposits between Euro1 and Euro10,000. Then 3.7% on amounts to Euro1m and 2.7% on any amount over Euro1m.

BEST CREDIT CARDS National Irish are offering an interest rate of 10.5% after "ve months of free interest.

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

Halifax offering 0% on balance transfers for "rst six months and 0% on purchases for same period. Afterwards, 9.5% on purchases.

BEST BANK FOR YOUR MONEY Permanent TSB, National Irish Bank and Ulster Bank all offer no fees on current accounts, even when overdrawn. Keep Euro500 in your account to avoid charges.

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 moving your mortgage to them and pay up to Euro150 to cover valuation fees. Legal fees contribution must be repaid if you move mortgage from Halifax within "ve years.

National Irish Bank will pay Euro600 towards fees.