? For large deposits RaboDirect is offering 5% on amounts up to 10,000.

? Irish Nationwide is the best choice for large savers with a two-year fixed rate of 9% on deposits between 20,000 and 1m.

BEST CREDIT CARDS ? Halifax offers 0% on balance transfers for the "rst six months and 0% on purchases for the same period. Afterwards, 9.5% on purchases.

? NIB offers 0% interest for five months and 10.5% after that.

BEST BANK FOR YOUR MONEY ? AIB and Permanent TSB will pay 4% interest on the "rst 1,500 in your account.

? Up to the end of this month Ulster Bank will give you 150.

You have to pay your salary into each account in each case. Keep 500 in your account to avoid charges.

BEST STOCKBROKING CHARGES ? Sharewatch for buying and selling Irish and British shares. 30 for trades up to 3,000.

Minimum charge of 30 and commission 0.4%

BEST MORTGAGE SWITCHER ? Halifax will pay 1,000 towards the legal fees associated with moving your mortgage to them and pay up to 150 to cover valuation fees. Legal fees contribution must be repaid if you move mortgage from Halifax within five years.

? AIB will pay 1200 towards legal fees subject to the usual terms and conditions.