Guides

Interest-free purchase and balance transfer deals can be a useful tool if used correctly - but miss a payment or fail to clear your debts in time and you can be lumped with high interest charges on remaining debts. This is Money takes a look at the best no-frills credit cards offering a consistently low interest rate.

A holiday is costly enough without the added horror of returning home to find your bank statement littered with extra fees and charges after using your card overseas. Some banks can charge you almost £5 simply for getting £100 of your own money out of a cash machine abroad. But you don't have to pay. We pick the best accounts which offer small or, even better, no fees.

What is straying into the red costing you? As a third of Britons rely on their overdrafts at some point during the month, could switching save you money from high interest and arrangement fees?

Savings rates are at an all-time low, so it's worth looking at alternative ways to make your money work harder. An interest-paying current account could do the trick for at least some of your cash - you could be earning as much as 5 per cent interest. We round-up the best.

How hard does your bank account work for you? Hard enough to give you cashback on your household bills, interest on your balance or simply standout customer service? Here is our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.

Switching your debts to a balance transfer card can speed up the repayment of debt because most, or all, of your repayment goes toward wiping out the balance and not paying interest. But beware: there are caveats to consider and barriers to overcome when applying for such cards.

If used correctly, credit cards can help you get something back or spread the cost of things that you are spend on. There are also plenty of deals around that could help you to avoid crippling interest rates on existing debt and pay off what you owe. But make sure that you use them wisely.

Energy price tariffs are in a constant merry-go-round with suppliers constantly battling to pinch customers from each other. Now is the time to review your energy tariff and consider locking in to a best-buy fixed-rate tariff before energy companies pull them from the market.

Broadband might be a modern-day necessity, but it doesn't have to break the bank. With so much competition there is no excuse to stay with a provider charging you over the odds or offering patchy service or slow speeds.

One in three motorists pay over the odds for their car insurance - and the worst thing you can do is simply renew. We reveal ten tips to get the cheapest car insurance deal and show you the places to go to compare car cover and potentially save hundreds of pounds.

Keeping your business banking separate from your personal account means it will be far easier for you to manage. But which banks are offering the lowest fees, in-credit interest and best free perks? This is Money's five favourite business banks for start-ups