Banking Best Buys

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Overdraft Accounts
CompanyAccountAuthorised EARUnauthorised EAR
Alliance & Leicester
Premier Direct Current A/c
Funding of £500 per month required. Internet banking compulsory.		0.0%0.0%
Click here to Apply for this Product
Norwich & Peterborough BSGold Current (£1500 per month)
Offset/pooled facility available. Funding of £1.5K required.		11.74%24.9%
cahootCurrent Account
11.8% APR21.9% APR
Santander
Preferred Overdraft Rate A/c
Funding of £1K pm required. 0% for 12 months on transferred accounts.		12.9%28.7%
Click here to Apply for this Product
The Co-operative Bank
Current
15.9%15.9%
Click here to Apply for this Product
SmileCurrent
Offset/pooled facility available.		15.9%15.9%
Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
 
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Overdraft Accounts Explained

Many current accounts offer overdraft facilities.

If you have arranged for an overdraft facility on your bank account, you will be charged what is called an authorised overdraft rate. You agree an amount up to which you can go overdrawn and will be charged the authorised rate if you remain within this authorised limit.

If you have not arranged an overdraft facility or have exceeded your authorised limit, you will be charged interest at the unauthorised overdraft rate. This rate can be much higher than the authorised rate. You may also be charged a fee for being overdrawn.
 
 

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