From banking and social networking to storing pictures and listening to music, we can do everything digitally these days. Moneywise investigates what happens to these accounts when you die.
Moneywise Best Buys
Nationwide Flexclusive Regular Saver
Nationwide Building Society
5 % AER
Headline Interest Rate
Regular Saver
FSCS
Compensation Scheme
£ 0 min monthly deposit
£ 250 max monthly deposit
£ 250 max monthly deposit
- Open By:
High interest rate
Need a current account to open
First Direct Regular Saver
first direct
5 % AER
Headline Interest Rate
Regular Saver
FSCS
Compensation Scheme
£ 25 min monthly deposit
£ 300 max monthly deposit
£ 300 max monthly deposit
- Open By:
High interest rate
Need a current account to open
HSBC Regular Saver
HSBC
5 % AER
Headline Interest Rate
Regular Saver
FSCS
Compensation Scheme
£ 25 min monthly deposit
£ 250 max monthly deposit
£ 250 max monthly deposit
- Open By:
High interest rate
Need a current account to open
M&S Bank Monthly Saver
M&S Bank
5 % AER
Headline Interest Rate
Regular Saver
FSCS
Compensation Scheme
£ 25 min monthly deposit
£ 250 max monthly deposit
£ 250 max monthly deposit
- Open By:
High interest rate
Need a current account to open
Santander 123 Regular eSaver
Santander
5 % AER
Headline Interest Rate
Regular Saver
FSCS
Compensation Scheme
£ 0 min monthly deposit
£ 200 max monthly deposit
£ 200 max monthly deposit
- Open By:
High interest rate
Need a current account to open
Coventry Building Society Junior Cash Isa
Coventry Building Society
3.5 % AER
Headline Interest Rate
FSCS
Compensation Scheme
£ 1 min initial deposit
£ 27,208 max balance
£ 27,208 max balance
- Open By:
High interest rate
Must be under 18 to open
Halifax Junior Cash Isa
Halifax
3 % AER
Headline Interest Rate
FSCS
Compensation Scheme
£ 1 min initial deposit
£ 27,208 max balance
£ 27,208 max balance
- Open By:
High interest rate
Must be under 18 to open
Nationwide Smart Junior Isa
Nationwide Building Society
3.25 % AER
Headline Interest Rate
FSCS
Compensation Scheme
£ 1 min initial deposit
£ 27,208 max balance
£ 27,208 max balance
- Open By:
High interest rate
Must be under 18 to open
Barclays Help To Buy Isa
Barclays
2.53 % AER
Headline Interest Rate
FSCS
Compensation Scheme
Up to £ 1,000 initial lump sum
Up to £ 200 per month
Up to £ 200 per month
- Open By:
High interest rate
Must be a first-time buyer
Buckinghamshire Building Society Help To Buy Isa (Issue 2)
Buckinghamshire Building Society
2.25 % AER
Headline Interest Rate
FSCS
Compensation Scheme
Up to £ 1,000 initial lump sum
Up to £ 200 per month
Up to £ 200 per month
- Open By:
High interest rate
Must be a first-time buyer
Bank of Scotland Vantage
Bank of Scotland
2 % AER
Headline Interest Rate
No monthly charge
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.21 (out of 5)
- Minimum Monthly Credit: £ 1,000
- Open by:
Interest on balances up to £5,000
Minimum £1,000 monthly pay-in
First Direct 1st Account
first direct
£ 100
Sign up bonus
0 % AER
Headline Interest Rate
- Overdraft facility
- Cashback rewards
- Customer rating: 4.82 (out of 5)
- Minimum Monthly Credit: £ 0
- Open by:
Account offers sign up bonus
Good customer service
Interest free overdraft offered
No interest paid on balances
Halifax Reward
Halifax
£ 75
Sign up bonus
0 % AER
Headline Interest Rate
- Overdraft facility
- Cashback rewards
- Customer rating: 4.26 (out of 5)
- Minimum Monthly Credit: £ 0
- Open by:
Account offers sign up bonus
Reward paid each month
No interest paid on balances
HSBC Advance
HSBC
0 % AER
Headline Interest Rate
No monthly charge
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.14 (out of 5)
- Minimum Monthly Credit: £ 1,750
- Open by:
£150 switching bonus
Get a further £50 if you stay for a year
High minimum pay-in
Lloyds Bank Club Lloyds
Lloyds Bank
2 % AER
Headline Interest Rate
No monthly charge
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.19 (out of 5)
- Minimum Monthly Credit: £ 1,500
- Open by:
Interest on balances up to £5,000
Minimum £1,500 monthly pay-in
M&S Bank Current Account
M&S Bank
1.62 % charge
Overdrawn by £ 500 for 10 days
£ 100
Max interest free O/D
15.9 % APR/EAR
Advertised overdraft rate
- Sign up bonus: £ 125
- Cashback rewards
- Customer rating: 4.69 (out of 5)
- Minimum Monthly Credit: £ 0
- Open by:
Interest free overdraft offered
M&S gift voucher if you switch
No interest paid on balances
Sign up bonus is vouchers, not cash
Metro Bank Current Account
Metro Bank
£ 0.00 charge
per £ 100 purchase (EU)
£ 2.75 charge
per £ 100 purchase (World)
- Overdraft facility
- Cashback rewards
- Customer rating: 4.90 (out of 5)
- Minimum Monthly Credit: £ 0
- Open by:
No fees on European spending or cash withdrawals
Fees charged outside of Europe
Nationwide FlexDirect
Nationwide Building Society
5 % AER
Headline Interest Rate
No monthly charge
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.66 (out of 5)
- Minimum Monthly Credit: £ 1,000
- Open by:
Interest on balances up to £2,500
No monthly charge
Rate drops after one year
Nationwide FlexStudent
Nationwide Building Society
£ 1,000
Interest free O/D - year 1
Max interest free O/D
No monthly charge
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.66 (out of 5)
- Minimum Monthly Credit: £ 0
- Open by:
Guaranteed £1,000 overdraft if accepted
Pays 1% on balances up to £1,000
Only available to students
Santander 123 Current Account
Santander
1.5 % AER
Headline Interest Rate
£ 5
Monthly charge
- Overdraft facility
- Cashback rewards
- Customer rating: 4.31 (out of 5)
- Minimum Monthly Credit: £ 500
- Open by:
Interest on balances up to £20,000
Cashback on household spending
Monthly account fee
Creation Everyday Card
Creation Financial Services
£ 0 cashback p.a
on £ 500 monthly spend with retailer
12.9 %
Representative APR
- No 0% money transfer offer
- No 0% balance transfer offer
- Annual fee: £ 0
- Eligibility check before application:
Top card for travellers
No fee to use it anywhere in the world
No introductory offers
Representative 12.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 12.9% (variable) annual.
Halifax Clarity Card
Halifax
0 % charge
transactions in Europe
0 % charge
rest of the world
18.9 %
Representative APR
- No 0% money transfer offer
- No 0% balance transfer offer
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Top card for travellers
No fee to use it anywhere in the world
£20 cashback available
No introductory balance transfer offers
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
Halifax Balance Transfer Credit Card
Halifax
26 months
0% balance transfer period
0 %
0% balance transfer fee
19.9 %
Representative APR
- No 0% money transfer offer
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Long fee-free balance transfer deal
Not associated with any reward schemes
Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.94% (variable) annual.
Sainsbury's Bank Nectar No Balance Transfer Fee Credit Card
Sainsbury's Bank
28 months
0% balance transfer period
0 %
0% balance transfer fee
18.9 %
Representative APR
- No 0% money transfer offer
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Long fee-free balance transfer deal
Collect Nectar points as you spend
High charges on overseas spending
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.95% (variable) annual.
American Express Platinum Cashback Everyday Card
American Express
£ 98 cashback p.a
on £ 500 monthly spend with retailer
22.9 %
Representative APR
- No 0% money transfer offer
- No 0% balance transfer offer
- Annual fee: £ 0
- Eligibility check before application:
Get cashback as you spend
No annual fee
Some retailers do not accept American Express cards
Representative 22.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 22.9% (variable) annual.
Aqua Reward Credit Card
Aqua
£ 30 cashback p.a
on £ 500 monthly spend with retailer
34.9 %
Representative APR
- No 0% money transfer offer
- No 0% balance transfer offer
- Annual fee: £ 0
- Eligibility check before application:
Get cashback as you spend
Good for people with bad credit
Very high APR
Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.95% (variable) annual.
Tesco Bank Clubcard Credit Card with Low APR
Tesco Bank
5.9 %
Representative APR
- 0% Money transfer period: 1 months
- 0% Balance transfer period: 1 months
- Cashback / Rewards
- 0% Money transfer fee: 3.94 %
- Annual fee: £ 0
- Eligibility check before application:
Low APR
No annual fee
Deal is less attractive if you don't shop at Tesco
Representative 5.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 5.94% (variable) annual.
Santander Zero Credit Card
Santander
0 % charge
transactions in Europe
0 % charge
rest of the world
18.9 %
Representative APR
- No 0% money transfer offer
- 0% Balance transfer period: 1 months
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Top card for travellers
No fee to use it anywhere in the world
No cashback or rewards
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.9% (variable) annual.
TSB Platinum Balance Transfer Card
TSB
28 months
0% balance transfer period
0 %
0% balance transfer fee
18.9 %
Representative APR
- No 0% money transfer offer
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Long fee-free balance transfer deal
Not associated with any reward schemes
Representative 18.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 18.94% (variable) annual.
Barclaycard Platinum Travel
Barclaycard
0 % charge
transactions in Europe
0 % charge
rest of the world
19.9 %
Representative APR
- No 0% money transfer offer
- No 0% balance transfer offer
- Cashback / Rewards
- Annual fee: £ 0
- Eligibility check before application:
Top card for travellers
No fee to use it anywhere in the world
No fee guarantee until August 2022
No introductory balance transfer offers
Representative 19.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 19.9% (variable) annual.
Metro Bank Personal Loan
Metro Bank
5.9 %
Representative APR
£ 110.69
Monthly repayment
£ 2,657
Total repayment
- Minimum advance: £ 2,000
- Quote without affecting credit rating
- Maximum arrangement fee: £ 0
- Early redemption charge: 0 months
Low interest rate
Only available to Metro Bank current account customers
Zopa Personal Loan
Zopa
6.9 %
Representative APR
£ 111.82
Monthly repayment
£ 2,684
Total repayment
- Minimum advance: £ 1,000
- Quote without affecting credit rating
- Maximum arrangement fee: £ 140
- Early redemption charge: 0 months
Low interest rate
Get a quote without affecting credit rating
Can only apply online
Sainsbury's Bank Personal Loan
Sainsbury's Bank
3 %
Representative APR
£ 269.53
Monthly repayment
£ 16,172
Total repayment
- Minimum advance: £ 1,000
- Quote without affecting credit rating
- Maximum arrangement fee: £ 0
- Early redemption charge: 58 days
Low interest rate
Cannot defer repayments
RateSetter Personal Loan
RateSetter
6.9 %
Representative APR
£ 111.82
Monthly repayment
£ 2,684
Total repayment
- Minimum advance: £ 1,000
- Quote without affecting credit rating
- Maximum arrangement fee: £ 805
- Early redemption charge: 0 months
Low interest rate
Online only
TSB Fix & Flex Personal Loan
TSB
3.2 %
Representative APR
£ 270.87
Monthly repayment
£ 16,252
Total repayment
- Minimum advance: £ 1,000
- Quote without affecting credit rating
- Maximum arrangement fee: £ 0
- Early redemption charge: 58 days
Low interest rate
Cannot defer repayments
Moneywise Customer Service Awards
50,000 readers have had their say on the most trusted financial providers in the UK. We reveal the winners of the Moneywise Customer Service Awards 2017.
View Winners here
