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MONEY TALKS *



BEST HOME FOR YOUR CASH ? AIB offers an AER for regular savers of 7.1 % for amounts between 10 and 300 a month.

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

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

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

? NIB's Mastercard Gold offers the 9.4% interest rate after eight weeks of free credit.

BEST BANK FOR YOUR MONEY ? AIB and Permanent TSB will pay 4% interest on the first 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 cost of legal fees associated with moving your mortgage to them and pay up to 150 to cover valuation fees. The legal fees contribution must be repaid if you switch mortgage from Halifax within five years. ? AIB will pay 1200 towards legal fees subject to the usual terms and conditions.




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