Savings Banks

Bread Card - the best thing since sliced bread.

Exciting new entrant into the prepaid maestro card market.

Bread Card is the only prepaid card to achieve 5* rating by www.which-prepaid-card.co.uk.

Bread Card offers competitive rates to users with no fees on purchases and no monthly fee.

Your Bread Card can be loaded via Paypoint and BACS and it is simple to apply on-line and we need either a UK driving licence or international passport number together with a UK address.

The Bread Card is aimed at those who do not have access to a Maestro facility such as individuals with debt / credit problems or recent immigrants to the UK. It can also be used as a budget tool for those who do not want to extend credit card bills.

You can also choose to have wages or expenses paid onto the Bread Card from employers.

The Bread Card only costs £10 and can be paid by another card or via SMS.

Click here to lean more about Bread Card

Splash Plastic is the UK's first and original reloadable Chip & PIN prepaid Maestro® debit and MasterCard.

It works in the same way as a pay as you go phone; you can top it up with cash at over 34,000 locations nationwide, have your wages paid directly from your employer or transfer money from a bank account to your prepaid card. Spend without fear of debt or fraud at millions of retailers online or on the high street, you can even use it to withdraw cash from ATM’s. Maestro is the most widely accepted payment brand across the UK.

Splash Plastic™ is operated by PrePay Technologies Ltd, the UK market leader in prepaid cards solutions and the company behind the UK’s largest prepaid and gift card programmes including Debenhams, Topshop, Topman, Ticketmaster, Dorothy Perkins, Laura Ashley, Miss Selfridge, LOVEFiLM, Comet & Western Union amongst others. PrePay Technologies is fully regulated by the Financial Services Authority.

The first version of Splash Plastic™ was launched in 2001 and more than 1 million cards were distributed. The new version of Splash Plastic™ was launched in 2006 and now you can become a part of its success!

With your Splash Plastic Card, you can get the following benefits

* No risk of debt - spend only what you have
* No credit check or bank account required. 100% approval of all applicants above the age of 10 (Below 14 need parental consent)
* Shop anywhere in the world where Maestro® is accepted - on the Internet, over the phone and on the high street
* Shop securely with Chip and PIN
* 24/7 balance enquiry phone line and online account management
* Top Up at any Post Office® branch or PayPoint outlet, over 34,000 locations across the UK
* Top Up online with a credit or debit card
* Have your wages paid directly to your card by your employer for FREE!
* Transfer money from any bank account to your card for FREE!
* For your protection a maximum £3,500 card balance is allowed at any one time

Who would want the Splash Plastic prepaid card?

Splash Plastic™ has numerous uses as:

* an Everyday convenience card for those who
o don’t have a bank account and need a home for their money
o are newcomers to the UK, don’t have a credit rating and need plastic
o are going abroad and prefer to carry cash on a card
* an Online Internet Payment Card for those who
o wish to shop online but don’t have plastic
o are worried about online fraud
o feel that online shopping is subject to potential fraud
* the funky Tweenage Card for those who
o are 10 years or over and want their own card
o want to take control of their spending. Where, When & How – they decide!
o are parents and want to give their “tweenagers” the confidence to spend
* the Online Gaming card for those who want to
o indulge in the latest gaming online
o limit their financial exposure by not using their credit card
o protect their identity online
* the Payroll card for those
o employee’s who want their wages to be paid on a card and save cheque cashing fees
o employer’s who want to pay their staff using a card instead of cash/cheque

Apply for Splash Plastic

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Zopa Small Lenders

Zopa's niche in the market is lending small amounts for a low APR. The banks and building society's do not target this market, so Zopa have aimed to fill that gap within the market.

As Zopa's is a new concept it is often misunderstood. If you have a good credit rating their are savings to be made.

Recent research has shown that customers are not afraid to switch bank accounts in order to get a better deal with another bank.

A survey sponsored by Group 1 software monitored 1,000 UK companies and found a higher probability among current account holders to change accounts than in the past.

One in six consumers claimed to have switched their financial provider, current accounts or mortgage in the past year, the survey said.

Greater customer demand for a higher level of services as well as increased consumer knowledge about the services on offer may account for the increase.

"People are getting more use to shopping around and are demanding higher service standards," Andrew Greenyer, Group 1 software director, told the BBC.

The Halifax announced that cheque usage in the UK is at the lowest point it has ever been and if the decline continues at the same rate they will disappear by 2025.

Even though 2.1 billion cheques were issued in 2004, the figure is 7% lower than in 2003. Approximately 3.7 billion cheques were issued in 1990.

The increasing popularity of other payment methods such as debit cards, phone and internet payments are key factors in the reduction of the amount of personnal cheques.

Nine out of ten employee's now receive their salary by direct bank deposit rather than cheque or cash.

In a statement Peter Jackson, head of banking at the Halifax, said:

A savings account that works harder for your money

Capital One Savings know how hard you work for your money and help your money do the same for you.

Click here for more details.

Capital One Savings is part of the Capital One Group which was established in the United States in 1982 and in the UK in 1996. The Capital One Group is one of the world's largest consumer financial services organisations and looks after over 48 million customers worldwide. The Group offers credit cards, personal loans and insurance products, as well as savings accounts.