FEATURED
Aviva
Save up to 20% on comprehensive car insurance online!
Get 15 weeks worth of free car insurance if you buy online or 10 weeks worth of free car insurance if you buy over the phone.

Available to new customers who have at least four years no claim discount on their existing car insurance policy.


Santander
Manage your account 24 hours a day...
123 Current Account

The new current account that gives you cashback and interest in one, for just £2 a month.


Vanquis Bank Ltd
Award Winning Credit Provision
Vanquis considers every application on its own merits, so we encourage you to apply even if you have had credit problems in the past.

Successfull applicants start with an easy to manage credit limit between £150 and £1,000.


Tesco Bank
Great cover level with extra benefits included for added peace of mind...
Choose from three levels of cover and use Clubcard vouchers to pay for your premium.

The One Account
Reduce the interest you pay on your mortgage...
By bringing together your mortgage, current account, savings, loans and credit cards, the One account can help you make your money work harder and reduce the amount of interest you pay on your borrowing.

It's very simple, but the effect it can have on your finances can be quite amazing.


Zopa
How much do you want to borrow?
At Zopa, people who have spare money lend it directly to people who want to borrow.

There are no banks in the middle, no huge overheads and no sneaky fees, meaning everyone gets better rates.


Virgin Money
Grow your money without forgetting the planet...
Aims to deliver market leading investment returns by investing in companies that are environmental leaders in their industry.

Awarded an 'A' rating by Standard & Poor's - a leading provider of independent investment research.


  • Car Insurance Offers
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  • Loan Offers
  • Savings Offers
John Lewis Car Insurance
Features
Protected No Claims
Cost Rescue Cover
Courtesy Car
Aviva Direct Car Insurance Policy
Features
Protected No Claims
Service Rescue Cover
Optional Courtesy Car
eCar Car Insurance
Features
Protected No Claims
Cost Rescue Cover
Courtesy Car
Endsleigh Motor Insurance
Features
Protected No Claims
Service Rescue Cover
Courtesy Car
Admiral MultiCar
Features
Protected No Claims
Service Rescue Cover
Courtesy Car

Barclays Bank Account
Features
Faster Payments Service
Nationwide Building Society FlexAccount
Features
Faster Payments Service
Royal Bank of Scotland Select Account
Features
Interest Free Overdraft
Faster Payments Service
Halifax Reward Current Account
Features
Faster Payments Service
NatWest Select Account
Features
Interest Free Overdraft
Faster Payments Service

Halifax Clarity Credit Card
12.9% APR*
Competitive APR

* Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.
Barclaycard Initial Credit Card
29.9% APR*
Points / Rewards

* Representative 29.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.9% (variable) annual.
Virgin Money Virgin Atlantic White Card Account
17.9% APR*
Points / Rewards
Competitive APR

* Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
Lloyds TSB Duo Avios Credit Card
15.9% APR*
Competitive APR

* Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual.
Vanquis Bank Ltd The Visa Card
39.9% APR*
Wider Acceptance
Criteria

* Representative 39.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 39.9% (variable) annual.

Coventry Building Society 2 Year Fixed
Initial Rate
3.89%
Until 30/06/2014
Standard Rate: 4.74%
Fixed

Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
ING Direct 2 Year Fixed
Initial Rate
3.54%
Until 31/07/2014
Standard Rate: 3.50%
Fixed

Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Nationwide Building Society 2yr First Time Buyer
Initial Rate
3.89%
(24 months)
Standard Rate: 3.99%
Fixed

Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Northern Rock Everyday Fixed Rate - £995 Fee Option
Initial Rate
3.99%
Until 01/07/2014
Standard Rate: 4.79%
Fixed

Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Woolwich (Barclays) Openplan
Initial Rate
3.79%
Until 31/05/2014
Standard Rate: 3.89%
Fixed

Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.

Post Office Online Personal Loan
14.9% APR*
Borrow £2,000 - £4,999
Over 12m - 84m

* Based on a loan of £2,000.
Representative APR 14.9% fixed. Total amount repayable £2165.07 at £180.42
per month for 12 months.
Sainsburys Bank Standard Nectar Cardholder Loan
12.9% APR*
Borrow £3,000 - £4,999
Over 48m - 60m

* Based on a loan of £3,000.
Representative APR 12.9% fixed. Total amount repayable £3856.02 at £80.33
per month for 48 months.
Tesco Bank Personal Loan
15.9% APR*
Borrow £3,000 - £4,999
Over 12m - 60m

* Based on a loan of £3,000.
Representative APR 15.9% fixed. Total amount repayable £3264.61 at £272.05
per month for 12 months.
HSBC Existing Customer Personal Loan
18.9% APR*
Borrow £3,000 - £4,990
Over 12m - 60m

* Based on a loan of £3,000.
Representative APR 18.9% fixed. Total amount repayable £3315.92 at £276.33
per month for 12 months.
Marks and Spencer Money Personal Loan
16.9% APR*
Borrow £3,000 - £4,999
Over 12m - 84m

* Based on a loan of £3,000.
Representative APR 16.9% fixed. Total amount repayable £3281.66 at £273.47
per month for 12 months.

MandS Money Advantage Cash ISA
3.00% AER
No Notice Period

Nationwide Building Society Regular Savings
2.50% AER
No Notice Period

Halifax Everyday Saver (Online)
0.50% AER
Initial Rate 2.00% AER
(12 months)
No Notice Period

Coventry Building Society Online Saver (3)
2.00% AER
Initial Rate 3.15% AER
(12 months)
No Notice Period

Yorkshire Building Society Internet Saver
2.10% AER
Initial Rate 2.08% AER
(Ongoing)
No Notice Period




  • Car Insurance Deals
  • Bank Account Deals
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  • Loan Deals
  • Savings Deals
Churchill
Car Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £100
New Car Replacement Courtesy Car Rescue Cover Level
Yes Optional
     
Service
Privilege
Motor Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £100
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
     
Service
AA
Car Insurance (Non Members)
Guaranteed No Claims Personal Belongings Cover
Yes £250
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
Recommended Product      
Service
The Green Insurance Company
Motor Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £100
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
     
Service
Sainsburys Finance
Premier Cover Car Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £200
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
Recommended Product      
Cost
Aviva
Private Car
Guaranteed No Claims Personal Belongings Cover
Yes £150
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
Recommended Product      
Service
NatWest
Private Motor Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £1000
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
Recommended Product      
Cost
Endsleigh
Motor Insurance
Guaranteed No Claims Personal Belongings Cover
Yes £100
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
     
Service
Direct Line
Select Motor
Guaranteed No Claims Personal Belongings Cover
Yes £1000
New Car Replacement Courtesy Car Rescue Cover Level
Yes Yes
Recommended Product      
Cost
Admiral
MultiCar
Guaranteed No Claims Personal Belongings Cover
Yes £100
New Car Replacement Courtesy Car Rescue Cover Level
No Yes
     
Service

HSBC
Bank Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
The Co-operative Bank
Current Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
Santander
Everyday Current Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
Barclays
Bank Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
Nationwide Building Society
FlexAccount
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
Royal Bank of Scotland
Select Account
Interest Free Overdraft Gross Interest AER (£500+)
£100 No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes
Lloyds TSB
Classic Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
Recommended Product      
Yes
Halifax
Reward Current Account
Interest Free Overdraft Gross Interest AER (£500+)
No No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
Recommended Product      
Yes
Bank of Scotland
Vantage Classic Account
Interest Free Overdraft Gross Interest AER (£500+)
No 1.50%
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
Recommended Product      
Yes
NatWest
Select Account
Interest Free Overdraft Gross Interest AER (£500+)
£100 No
Min Monthly Deposit Req Faster Payments Overdraft Facility
£0 Yes
     
Yes

Capital One
Aspire World MasterCard
Monthly Rate Representative APR *
1.52% 19.9%
Interest Free Period Points / Rewards Minimum Income Required
45 Days No
     
£20,000

* REPRESENTATIVE APR EXAMPLE
Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Nationwide Building Society
Nationwide Select Credit Card
Monthly Rate Representative APR *
1.02% 12.9%
Interest Free Period Points / Rewards Minimum Income Required
56 Days Yes
     
£5,000

* REPRESENTATIVE APR EXAMPLE
Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.
Halifax
Clarity Credit Card
Monthly Rate Representative APR *
1.02% 12.9%
Interest Free Period Points / Rewards Minimum Income Required
59 Days No
Recommended Product      
No Minimum

* REPRESENTATIVE APR EXAMPLE
Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.
Barclaycard
Initial Credit Card
Monthly Rate Representative APR *
2.20% 29.9%
Interest Free Period Points / Rewards Minimum Income Required
56 Days Yes
Recommended Product      
No Minimum

* REPRESENTATIVE APR EXAMPLE
Representative 29.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.9% (variable) annual.
Barclaycard
Platinum Purchase
Monthly Rate Representative APR *
1.45% 18.9%
Interest Free Period Points / Rewards Minimum Income Required
56 Days Yes
Recommended Product      
No Minimum

* REPRESENTATIVE APR EXAMPLE
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
Sainsburys Finance
Sainsburys Gold Credit Card
Monthly Rate Representative APR *
1.54% 20.1%
Interest Free Period Points / Rewards Minimum Income Required
46 Days Yes
Recommended Product      
No Minimum

* REPRESENTATIVE APR EXAMPLE
Representative 20.1% APR variable. Based on assumed borrowing of £1200. Rate of interest 20.1% (variable) annual.
Virgin Money
Virgin Atlantic White Card Account
Monthly Rate Representative APR *
1.38% 17.9%
Interest Free Period Points / Rewards Minimum Income Required
46 Days Yes
Recommended Product      
No Minimum

* REPRESENTATIVE APR EXAMPLE
Representative 17.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 17.9% (variable) annual.
Lloyds TSB
Duo Avios Credit Card
Monthly Rate Representative APR *
1.24% 15.9%
Interest Free Period Points / Rewards Minimum Income Required
56 Days No
     
£15,000

* REPRESENTATIVE APR EXAMPLE
Representative 15.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 15.9% (variable) annual.
Vanquis Bank Ltd
The Visa Card
Monthly Rate Representative APR *
2.84% 39.9%
Interest Free Period Points / Rewards Minimum Income Required
56 Days No
     
£4,000

* REPRESENTATIVE APR EXAMPLE
Representative 39.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 39.9% (variable) annual.
American Express
Platinum Cashback Credit Card
Monthly Rate Representative APR *
1.42% 18.5%
Interest Free Period Points / Rewards Minimum Income Required
56 Days No
     
£20,000

* REPRESENTATIVE APR EXAMPLE
Representative 18.5% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.5% (variable) annual.

Clydesdale Bank
Flexible Fixed - Repayment Only Tie-in Period: Until 31/07/2014

Commended by:

Initial Rate Standard Rate
3.49%
Until 31/07/2014
4.95%
Term APR Rate Type Valuation Fee / Set-up Fee
4.90% Fixed £350 / £999

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Coventry Building Society
2 Year Fixed Tie-in Period: Until 30/06/2014

Commended by:

Initial Rate Standard Rate
3.89%
Until 30/06/2014
4.74%
Term APR Rate Type Valuation Fee / Set-up Fee
4.60% Fixed None / £999

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Halifax
Homebuyer Tie-in Period: Until 31/08/2014

Commended by:

Initial Rate Standard Rate
4.29%
Until 31/08/2014
3.99%
Term APR Rate Type Valuation Fee / Set-up Fee
-- Fixed £355 / £999

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
ING Direct
2 Year Fixed Tie-in Period: Until 31/07/2014

Commended by:

Initial Rate Standard Rate
3.54%
Until 31/07/2014
3.50%
Term APR Rate Type Valuation Fee / Set-up Fee
3.60% Fixed £145 / £945

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Leeds Building Society
2 Year Fixed Fee Assisted Tie-in Period: Until 30/06/2014

Commended by:

Initial Rate Standard Rate
3.99%
Until 30/06/2014
5.69%
Term APR Rate Type Valuation Fee / Set-up Fee
5.70% Fixed None / £199

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Nationwide Building Society
2yr First Time Buyer Tie-in Period: 24 months

Commended by:

Initial Rate Standard Rate
3.89%
(24 months)
3.99%
Term APR Rate Type Valuation Fee / Set-up Fee
4.10% Fixed £255 / £499

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Newcastle Building Society
2yr Fixed rate Tie-in Period: Until 30/06/2014

Commended by:

Initial Rate Standard Rate
3.89%
Until 30/06/2014
5.99%
Term APR Rate Type Valuation Fee / Set-up Fee
5.90% Fixed £265 / £995

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Northern Rock
Everyday Fixed Rate - £995 Fee Option Tie-in Period: Until 01/07/2014

Commended by:

Initial Rate Standard Rate
3.99%
Until 01/07/2014
4.79%
Term APR Rate Type Valuation Fee / Set-up Fee
4.70% Fixed £287 / £1,094

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Santander UK plc
2 Year Fixed Tie-in Period: Until 02/06/2014

Commended by:

Initial Rate Standard Rate
3.49%
Until 02/07/2014
4.24%
Term APR Rate Type Valuation Fee / Set-up Fee
4.30% Fixed None / £995

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Skipton Building Society
2 Year Fixed Tie-in Period: Until 30/06/2014

Commended by:

Initial Rate Standard Rate
3.89%
Until 30/06/2014
4.95%
Term APR Rate Type Valuation Fee / Set-up Fee
5.00% Fixed £400 / £995

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.
Woolwich (Barclays)
Openplan Tie-in Period: Until 31/05/2014

Commended by:

Initial Rate Standard Rate
3.79%
Until 31/05/2014
3.89%
Term APR Rate Type Valuation Fee / Set-up Fee
4.00% Fixed £325 / £999

MORTGAGE BASIS
Based on a first time buyer taking out a repayment mortgage of £120,000 for a property worth £160,000 over 25 years.

Metro Bank
Personal Loan
Commended by:

Representative APR * Advance Range
7.9% £2,000 - £25,000
Term Range Deferment Period Repayment Holiday
12m - 60m 1 Months
Recommended Product      
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £2,000. Representative APR 7.9% fixed. Total amount repayable £2086.61 at £173.88 per month for 12 months.
Post Office
Online Personal Loan
Commended by:

Representative APR * Advance Range
14.9% £2,000 - £4,999
Term Range Deferment Period Repayment Holiday
12m - 84m 1 Months
     
Yes

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £2,000. Representative APR 14.9% fixed. Total amount repayable £2165.07 at £180.42 per month for 12 months.
NatWest
Existing Customer Online Personal Loan
Commended by:

Representative APR * Advance Range
8.9% £7,500 - £14,950
Term Range Deferment Period Repayment Holiday
12m - 60m 1 Months
Recommended Product      
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £7,500. Representative APR 8.9% fixed. Total amount repayable £7866.46 at £655.54 per month for 12 months.
Sainsburys Bank
Standard Nectar Cardholder Loan
Commended by:

Representative APR * Advance Range
12.9% £3,000 - £4,999
Term Range Deferment Period Repayment Holiday
48m - 60m 2 Months
     
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £3,000. Representative APR 12.9% fixed. Total amount repayable £3856.02 at £80.33 per month for 48 months.
Tesco Bank
Personal Loan
Commended by:

Representative APR * Advance Range
15.9% £3,000 - £4,999
Term Range Deferment Period Repayment Holiday
12m - 60m 3 Months
     
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £3,000. Representative APR 15.9% fixed. Total amount repayable £3264.61 at £272.05 per month for 12 months.
HSBC
Existing Customer Personal Loan
Commended by:

Representative APR * Advance Range
18.9% £3,000 - £4,990
Term Range Deferment Period Repayment Holiday
12m - 60m 3 Months
     
Yes

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £3,000. Representative APR 18.9% fixed. Total amount repayable £3315.92 at £276.33 per month for 12 months.
Marks and Spencer Money
Personal Loan
Commended by:

Representative APR * Advance Range
16.9% £3,000 - £4,999
Term Range Deferment Period Repayment Holiday
12m - 84m 3 Months
     
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £3,000. Representative APR 16.9% fixed. Total amount repayable £3281.66 at £273.47 per month for 12 months.
Santander
Online Personal Loan
Commended by:

Representative APR * Advance Range
8.6% £5,000 - £7,499
Term Range Deferment Period Repayment Holiday
12m - 60m 1 Months
Recommended Product      
No

* REPRESENTATIVE APR EXAMPLE
Based on a loan of £5,000. Representative APR 8.6% fixed. Total amount repayable £5235.97 at £436.33 per month for 12 months.

Cheshire Building Society
1 Year Fixed Rate Cash ISA
Commended by:

Interest Rate AER Initial / Step Rate (Period)
3.00% 3.00% (Ongoing)
Interest Paid Notice Period Tax Free
Maturity Term
Recommended Product      
Yes
MandS Money
Advantage Cash ISA
Commended by:

Interest Rate AER Initial / Step Rate (Period)
3.00% 3.00% (Ongoing)
Interest Paid Notice Period Tax Free
Annually None
Recommended Product      
Yes
Principality Building Society
e-ISA Issue 3
Commended by:

Interest Rate AER Initial / Step Rate (Period)
1.80% 3.10% (12 months)
Interest Paid Notice Period Tax Free
Annually None
Recommended Product      
Yes
Santander
Easy ISA
Commended by:

Interest Rate AER Initial / Step Rate (Period)
0.10% 0.10% (Ongoing)
Interest Paid Notice Period Tax Free
Annually None
     
Yes
AA
AA Internet Extra Issue 6
Commended by:

Interest Rate AER Initial / Step Rate (Period)
0.50% 2.40% (12 months)
Interest Paid Notice Period Tax Free
Annually None
     
No
Nationwide Building Society
Regular Savings
Commended by:

Interest Rate AER Initial / Step Rate (Period)
2.50% 2.50% (Ongoing)
Interest Paid Notice Period Tax Free
Annually None
Recommended Product      
No
Halifax
Everyday Saver
Commended by:

Interest Rate AER Initial / Step Rate (Period)
0.50% 2.00% (12 months)
Interest Paid Notice Period Tax Free
Annually None
     
No
Coventry Building Society
Online Saver
Commended by:

Interest Rate AER Initial / Step Rate (Period)
2.00% 3.15% (12 months)
Interest Paid Notice Period Tax Free
Annually None
Recommended Product      
No
Yorkshire Building Society
Internet Saver
Commended by:

Interest Rate AER Initial / Step Rate (Period)
2.10% 2.08% (Ongoing)
Interest Paid Notice Period Tax Free
Monthly None
Recommended Product      
No


Financial Products


At moneygem you can research thousands of financial products from hundreds of providers, lenders and insurers. Our extensive coverage of the financial market can help you to select the most suitable financial products and services for your individual needs. We currently cover nine different types of insurance, bank accounts, credit cards, mortgages, loans and savings.

Best Buys, Offers & Deals


Every week we research the market to identify deals and offers. We also collate the 'best buys' from a number of leading finance sites to produce super lists of financial products across each category that offer the best value for money or have excellent features.

Research


Our financial comparison tables allow you to research and compare key product features for each type of financial product that we support. We also recommend certain products where they meet or exceed our specifications for a comprehensive offering.