? 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 "xed 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.

? You have to pay your salary into each account in each case.

? Keep E500 in your account to avoid charges.

BEST STOCKBROKING CHARGES Sharewatch for buying and selling Irish and British shares. 60 a year and 0.4% commission per trade.Minimum charge of 30.

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.

? Legal fees contribution must be repaid if you move mortgage from Halifax within five years.

? AIB will pay 1200 towards legal fees subject to usual terms and conditions, while Ulster Bank are offering a 1,000 gift to switch to them.