NEW The bank is investigating whether to cut out the middle man and let the robot - named Luvo - interact directly with customers, if a small number of trials prove successful. It claims the move is not a step towards cutting jobs, but is being rolled out to help staff improve customer service.

British luxury car makers - or, more precisely, luxury car brands made in the UK, as many are foreign owned - have never had it so good. In 2010, 37 per cent of cars made in the UK were premium brands, according to data from the Society of Motor Manufacturers and Traders (SMMT). This has risen to 46.6 per cent in 2015 and is forecast to rise to 54 per cent by 2020.

'It's an election year, and candidates can't stop speaking about our country's problems (which, of course, only they can solve),' wrote Buffett. His response was an ode to our good fortune that is about as far as you can get from the 'I'm as mad as hell and I'm not going to take this anymore' posturing of populist politics.

Our investigation exposes how George Osborne's savings tax revolution has destroyed the cash Isa. In the past year the big banks have slashed Isa rates by up to 40% for new savers as the deals have lost their marketing appeal. Rates have crashed to lower than on taxable fixed-rate bonds and easy-access accounts. So is an Isa still worth it?

Top performing UK mid cap manager Chris St John is taking advantage of the market sell-off to top up on holdings such as Auto Trader and Betfair, where he still has high conviction. The manager says share prices are falling due to people needing cash, so he is topping up.

Unfamiliar banks are grabbing savers' attention by offering better rates than the more traditional High Street names. But it's important to do your own research before you sign up. In most cases, your money is covered by the UK Financial Services Financial Compensation Scheme up to £75,000 (£150,000 for joint accounts) if the bank goes bust.

The Post Office, which is Britain's biggest currency seller, has exchanged 43 per cent more euros over the past week than in the same period last year. On some days it is selling double the normal amount for March amid fears that Britain's currency crunch could get worse.

Mortgage rates were thought to have hit the floor when the Bank of England cut the base rate to 0.5% in March 2009. But lenders have been chipping away at their cheapest deals. In March 2009 the average two-year fixed rate was 4.79%, according to data experts Moneyfacts. On a typical £150,000 mortgage monthly repayments were £859.

There are many websites offering fund and share dealing services and it can be really difficult to pick one. The best place to start is with fees, because you need to make sure you're not paying too much. If you're going to be an infrequent trader, then it's best to look for low-cost flat fees.

Small investors across the country will be struggling to remember a more volatile start to the stock market year than this. In the first two months of this year there were 16 such days when the FTSE 100 index rose or fell by 1.5% or more, according to figures crunched for This is Money by Trustnet Direct.

The brand, which claims to have already invested a total £2 billion into the Wiltshire factory, said the move 'demonstrated its long-term commitment to manufacturing in the UK'. The Japanese carmaker previewed the new five-door hatchback with a racey looking Civic prototype at the 2016 Geneva Motor Show on Tuesday, a car the brand hopes will appeal to a younger market.

There has been ongoing speculation in the City that a US company may have is sights on the British giant, since John Malone's Liberty Global bought a £481m stake more than 18 months ago. But chief executive Adam Crozier said the broadcaster's 'growing scale and success' is the 'best form of defence' against predators.

In a major victory for our Fair Play on Pensions campaign, Scottish Widows, Standard Life and Prudential, have promised to slash or scrap punitive exit fees for customers who use their pensions as bank accounts. Earlier this year Chancellor George Osborne pledged to change the law to help savers using new freedoms.

What is the difference between a tracker fund, an ETF and the new smart beta funds that I keep reading about? We take a look at how different funds that aim to track an index vary in their approach to doing so.

A flurry of websites have sprung up offering drivers the chance to slash fuel bills by driving fellow workers or neighbours to their place of work. But a significant minority of insurance policies do not cover this. In the most extreme cases companies will tear up a policy or refuse to pay out after an accident.

Former Pensions Minister Steve Webb is This Is Money's new Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of retiring, or juggling your finances in old age. The latest question to Steve comes from someone who is trying to find an inexpensive financial adviser so he can cash in his pension. Read Steve's answer and find out how to contact him if you have a question about pensions.

British businesses are being warned to be on high alert after increased reports of financial losses from what is being dubbed 'CEO fraud' by cyber-crime experts. The scam, in which criminals impersonate the e-mail accounts of chief executives to trick staff into wiring payments into an overseas bank account, has cost firms around the globe $2bn - or £1.43bn - in the last two years, according to the US Federal Bureau of Investigation.

Les Newell was appalled when he asked Aegon how much commission his financial advisers had got for dealing with his pension, and it apparently amounted to 54% of his entire retirement pot. But when we asked why such staggering commission payments had been made , Aegon discovered that incorrect figures were sent out.

Mention the words hot hatch and fans' minds are immediately drawn to the elder statesmen of the genre but a new generation are also now on the scene second-hand, offering more modern car-like refinement (and safety). Here are five of these 2000s hot hatch heroes for less than £7,000.

Mike Flewitt, chief executive, of McLaren, used the Geneva Motor Show to set out a business plan aimed at doubling the size of the firm by 2022. The firm, based in Woking, Surrey, is Britain's newest car maker, and with models costing as much as £2m it is aiming itself at the very top end of the market.

Residents in South Oxfordshire score well on health, life expectancy and high wages compared to other rural areas in the country. Chiltern and Rutland take the next two spots, according to the Halifax survey. The top 50 list is dominated by the South East, with 16 districts found in the region, followed by the East of England which claims 12 of the top 50 positions.

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

Interest rates are set to remain at their record lows well into 2017, commentators suggested after the Bank of England held rates by a vote of 9-0 and lowered its growth forecasts. The quarterly inflation report said that outlook for global growth had weakened further since the previous report in November and that the latest data suggest a softer picture for UK activity in 2015 than previously assumed.

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.