AIB offers an AER for regular savers of 7.1 %for amounts between 10 and 300 a month.

If you're rich or have just won the Lotto, give it to Irish Nationwide, which has a twoyear fixed rate of 9% on deposits between 20,000 and 1m.

BEST CREDIT CARDS?

Halifax's 9.5% rate on purchases is still the best around after 0% on balance transfers and purchases for the "rst six months. Afterwards, 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?

Halifax is offering 10% credit interest on balances up to 2,000 but 0% afterwards. No transaction fees included and Halifax has the cheapest overdraft rate at 9.43% APR.

Next best is AIB and Permanent TSB which offer 4% interest on the first 1,500 and have no transaction fees, subject to certain conditions.

BEST SAFE PLACE FOR YOUR SSIA LUMP SUM?

Rabobank offers 5% on 10,000, 3.8% fixed rate for 12 months.

For those who don't trust the internet and prefer paper, Northern Rock offers 4.5%

BEST STOCKBROKING CHARGES

Sharewatch for buying and selling Irish and British shares. . . 60 a year and 0.3% commission per online trade.

Minimum charge of 20.

BEST MORTGAGE SWITCHER?

NIB offers the most transparent remortgage with the fewest restrictions at between 0.5 and 0.59 points above the ECB interest rate. If you are looking for a mortgage at 60% of the value of your home, it can be a big saving over the life of the loan. NIB also doesn't penalise you if you decide to switch again.

Ulster bank offers a 1,000 gift to switch, plus a loan rate that is 0.75 points above the ECB rate, making it a close second, particularly after dropping a lot of fine print.