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As part of our campaign to highlight the benefits of a financial makeover, we look at the billions of pounds lost when savers get stuck with poor paying accounts. Savings Champion offers an independent service for all savers. The free 'Rate Tracker' service tells you if you are on a good deal and when or where to move your money as rates change. Customers with savings of around £150,000 are likely to benefit most from the Concierge Service. Kathryn Rees has earned £2,681 extra in interest.
The Financial Conduct Authority is set to rule within weeks on whether undisclosed commissions charged on PPI break consumer protection rules.
Victims of payment protection insurance misselling who have yet to complain are being urged to act fast because a time bar could soon be slapped on future claims.
An increase in the base rate is finally on the cards, with the Bank warning that it could come early next year. But there will be no guarantee that increases will be passed on to savers. A number of new tracker bonds pay out interest monthly - you cannot usually leave your cash in to let it accumulate.
Banks and building societies are offering better deals but once the provider has attracted as much money as it wants, it closes the account to new savers.
Just as the demand for PPI compensation finally starts to cool down, an even greater mis-selling scandal threatens to engulf Britain's banks. Will you get a pay out and what have banks done wrong?
Football fans are being warned financial offerings linked to their club could be a dud signing - especially savings accounts paying relegation zone interest.
With the new 2015-2016 term looming, many major banks have released their new student current accounts, or altering their old ones, in a bid to lure a new generation of customers. This is Money takes a look at the best for overdrafts, perks and budgeting for the new academic year. ...read
If you are a Nationwide current account holder, you could earn £100 for each of up to 10 friends who switch to the building society. Accountholders can potentially make up to £1,000 - and each friend will also earn £100 for switching.
Around 200 complaints a day are being handled by the independent Financial Ombudsman Service, and with the average payout at £300, more than two million people may be set to make a claim.
Leeds Building Society has today launched a new five-year fixed-rate savings account which comes with partial access paying 2.6 per cent - but how does it stack up?
The second issue of Skipton Limited Edition eSaver pays 1.12 per cent after tax (1.4 per cent before). Savers in the first issue, which pays a lower 1 per cent, can switch to the better deal.
Jennifer Walker has been harassed for five years over debts that aren't hers. And though she has frequently protested her innocence, the demands keep coming. She has been contacted by 24 different firms, had bailiffs shouting through her letterbox and received intimidating letters on Christmas Eve from debt collectors threatening to repossess her house. ...read
Savers will be able to access cash tied-up in fixed-rate accounts as early as October if they are affected by changes in the Financial Services Compensation limit.
Holders of contactless bank cards could be exposed to the risk of fraud as thieves can use scanners to steal account details, consumer group Which? has warned.
HSBC is offering customers signing up to its Advance Account up to £240 if they apply by 31 August - but is it an account worth switching for? This is Money investigates
Interest paid on fixed-rate bond is edging higher as new banks leapfrog each other to attract savers. Both RCI and Charter Savings now pay 2.06% fixed for a year.
| Provider | Rate |
| NS&I; | 1.50% |  |
Monmouthshire BS | 1.50% | |
Virgin Money | 1.41% | |
| Coventry BS | 1.40% | |
| Dudley BS | 1.40% | |
Our savings picks
This is Money's five favourite best buy cash Isas for 2015
Nationwide offers customers up to £1,000 to get friends and family to join its current account
(and they get free money too)
The top savings deals that WILL pass on a rise...
When the Bank of England's base rate goes up
Mis-selling scandal could see customers pocket £33bn windfall
What did banks do wrong and will you receive compensation?
With the new term just a month away banks battle to offer best student current accounts
How do they compare?
Leeds BS launches 'flexible' five-year fixed savings account that allows 25% access
But is it worth taking?
HSBC offers new customers biggest sweetener yet with £240 gift for switching
But how does its Advance Account stack up?
Challenger banks Charter Savings and RCI boost fixed savings rates
Smaller providers continue to leapfrog each other
Reduced to tears by bailiffs shouting through her door
Banks bullied woman for FIVE YEARS over a £16k debt owed by someone else
Stealing data from contactless cards is easy, experts warn
Are they safe (and can you protect your wallet with foil?)
Film and TV stars join forces to save their local bank branch
Barclays customers face a devastating wave of closures
| Prize value | Winning bond No. | Area |
|---|---|---|
| £1,000,000 | 9FH577549 | Dorset |
| £1,000,000 | 196LW907254 | Outer London |
| £100,000 | 247CG456672 | London |
| £100,000 | 239FJ527896 | Hertfordshire |
| £100,000 | 176NJ778140 | Hampshire and Isle of Wight |
| £100,000 | 141WH537262 | Stockport |
| £100,000 | 134TV460124 | Leicestershire |
| £50,000 | 46AN736045 | South West Wales |
| £50,000 | 26NX238485 | Essex |
| £50,000 | 245ZC702896 | Northern Ireland |
| £50,000 | 22BY778725 | Buckinghamshire |
We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year
Savings rates have had a rocky ride. We chart what has happened and where rates are heading
| Provider | Incentive |
| First Direct | Free £100 | |
| HSBC | Earn £240 | |
| Nationwide | Travel cover | |
| Santander | 3% cashback | |
| Halifax | £5 a month | |
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Many savers languish in legacy accounts which pay a pittance in interest after either forgetting the rate would drop in the future, or a bonus is stripped away. Some of the worst accounts pay 0.05%, or even lower. ...read
It's not often you get some of Britain's leading actors, actresses and media luvvies to gather outside a bank branch, but that is what happened in South West London, as star names battle Barclays.
Vernon Hill is the founder of challenger bank Metro which celebrates its fifth anniversary on Wednesday. He made his money turning start-up Commerce Bank into a top 20 American bank.
Barclays lost a net 98,400 customers who used the seven day service in 2014 to jump ship to a rival, making it the biggest banking loser.
James knows just how easy it is for a criminal to use technology to their advantage. He was recently appointed the UK's first fraud prevention ambassador by City of London Police.
Expats will struggle to open another UK-based current account, especially if they have no address in Britain - banks will ask for proof of address, often via a utility bill.
A new app promises to make collecting money from friends and family easier in the future, by allowing money to be paid into a digital kitty and accessed via one prepaid card.
This week, those in West Bromwich BS Limited Access Saver saw their rate fall from 1.4 per cent to 1.25 per cent. You are limited to seven withdrawals a year.
New research from Moneyfacts.co.uk indicates that almost 60 per cent of current accounts now impose a usage fee, compared to just 22 per cent in 2008.
Leeds Building Society has today launched a new five-year fixed-rate savings account which comes with partial access. The deal, which comes with a 2.6% rate, is available in its branches, post or online, and allows savers to access 25% of their investment without penalty during the term.
Interest paid on fixed-rate bond deals is edging higher as new banks leapfrog each other to attract savers. Both French-owned RCI Bank and Charter Savings Bank now pay 2.06 per cent fixed for a year for those willing to run their accounts online. Those who want to stick to the High Street must pay the price - and can expect a fifth less interest. ...read
ME AND MY MONEY: I've invested in 40 Burger Kings and a golf course...
Billionaire Metro Bank founder reveals his finances
'Big four' banks lost quarter of a million current account switchers last year
And Barclays was the biggest loser
End of stag-do squabbles?
Cash kitty goes digital with new app that allows people to club together and use one prepaid card to pay
These seven expats between them have 325 years of loyalty to Barclays
And now their accounts are being closed with NO apology
BM Savings wants to charge me £35...
to transfer closing balance from my one-year cash Isa to my current account!?
Savings battle intensifies as top paying two-year cash Isa hits 2%
Halifax and Virgin Money offering top deals
There's nothing James Freedman doesn't know about fraud
So why won't HE use contactless cards?
Thousands of expats could see their Barclays accounts shut within months
Unless they hold a minimum of £100,000
Firm launches three-way split fixed-rate deal that protects savings up to £225k
But how does it stack up?
SUMMER BUDGET
New kind of Isa will accept peer-to-peer investments from next year
The NS&I; deals you should steer clear of
And how you can double your returns with top-paying banks
Elderly people most likely targets of phone scams
With London and South East the hotspots for fraudsters
Summer battle to top fixed-rate savings tables heats up
Second best buy boost from a challenger bank in under a week
Just £75k of savers' cash will be protected if their bank goes bust from next year
FSCS protection limit to drop by £10k
ASK TONY: Why did I lose £200 in bank fees...
When my brother lost only £10?
Atom Bank backed by Neil Woodford given full banking licence
Outlines ambitious plans for 5m current accounts by 2020
'I'm on a pilgrimage to save last bank in my parish'
HSBC axing branches as it shrinks high street presence - much to anger of customers
Savings Champion:
The hassle-free way to ensure you're getting the best savings rates
Three simple steps to switch your current account to a better deal
Checking whether you can get a better current account is a wise move - we explain how to do it
SAVE SAFELY:
We explain the rules on savings compensation, updated as they change, and how to keep your money safe
SAVINGS COMPENSATION & PROTECTION:
A comprehensive list of bank ownership and licences
BM Savings want to charge me half the interest I've made on my cash Isa as a fee for paying the money straight to my account. Why is it free if it's a cheque payment?
Tech giant Apple has launched a service that turns your mobile phone into a wallet. So how does it work and is it safe?
My Canadian uncle died, leaving me and my brother 11,741.57 dollars each. My brother paid his cheque into Santander and received £6,246.65. But I used NatWest and only got £6,042.65.
I got a letter yesterday informing that the NatWest Your Points incentive scheme is to be terminated. Is there any way to fight back?
Making the most of your annual Isa allowance is the cornerstone of wise saving. There's no income tax to pay on interest and no capital gains tax on profits. This makes them ideal for long-term savings because money that is not taxed grows faster. This essential guide reveals, how to start using an Isa for your savings. ...read
We explain the rules on savings compensation, updated as they change, and how to keep your money safe by not putting too much savings with one bank
The way you spread out your savings with banks is crucial in terms of protection and compensation. We show you how to get protected.
This week, the Independent Commission on Banking told how consumers get poor value from their bank. Yet we move our current account just once every 26 years. We tell you how to get a better deal.
We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year
Guide: The array of deposit accounts can be confusing. We explain them all and reveal the best and safest rates and accounts
When will interest rates rise?
We explain the factors that will decide when interest rates rise, with the latest forecasts from markets and economists
Energy bills: Should you switch?
All the latest changes to gas and electricity prices. Read our advice on when and whether to switch to get the best deal.
What next for the pound?
What determines the strength of the pound, the latest expert views as to whether it will recover in 2010, and latest market and tourist rates
House prices: What next?
The latest house price news, predictions and what home-owners can expect next
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