Virgin Climate Change Fund

Virgin Climate Change Fund - The world of 21st Century investing starts here. - The fund aims to provide excellent returns by investing in specially selected companies with the potential for outstanding profit growth and who are environmental leaders in their industry. - You can invest up to £7,200 a year tax-efficiently through a Virgin ISA. You can invest more than this through a Virgin Unit Trust. - You can also invest by transferring PEPs and ISAs from other providers into the fund, or switching any Virgin PEP and ISA investments you may have into the fund. - Invest by phone, online, or by post. - You can pay in lump sums from £100 (your first lump sum must be at least £500). Or you can set up regular monthly savings, from £50 upwards. - You can stop, start or change your payments at any time without penalty. - 24 hour online service lets you keep track of your savings, make payments online, and change payments and other details. - We write twice a year to let you know how your savings are doing, or you can phone most days until 9pm to find out the latest value, or 24/7 online. - No notice periods – you can get at your money whenever you want. - We earn an annual management fee of 1.75%. There may also be a performance related fee, which we only earn if we outperform agreed benchmarks. - Remember, stock market investments can go down as well as up, and there’s no guarantee you’ll get back all you invest. You should consider this a long-term investment of 5 years or more. Want to find out more and/or apply? Click here to apply for a Virgin Climate Change Fund account

Abbey - Instant Access Saving account

Abbey’s Instant Access Saver account offers a great rate of 6.30 % gross p.a/ AER (variable) on balances of £1000 up to £2 million. The account includes a bonus rate of 1.00% for the first 12 months and allows you to manage your account quickly and easily.

Open an Abbey Instant Access Saver account here

• Get a great rate of 6.30% AER (variable) on all your savings from £1,000. If the balance in your account falls below £1,000 a reduced rate of interest applies to your account (currently 2.75% gross/AER)

• Get instant access to your savings via the phone or branch

• Get a bonus of 1.00% gross p.a./AER for the first 12 months after opening

You cannot manage this account online or make transfers to accounts that aren’t held with Abbey. • To transact on this account, you can: o Visit your local branch - you will need two forms of ID, eg passport, driving license and your account number o Call us - you will be asked to quote your account number and customer identification

Click here for more details

• This account cannot be operated online

• Whether by phone or branch please remember to have your account number readily available.

• There is no card or passbook with this account and you are not able to link this account with any other Abbey Account.

• You will receive a quarterly statement in March, June, September and December.

• When you open your account we will provide you with a user guide, which will explain how it works in more detail.

Apply online

saving accounts

 

Savings accounts
Are you making the most out of your savings? We offer a range of services and products including high street savings, high interest savings, internet saving accounts, long term saving accounts and deposit accounts.

Saving tips
Just about everyone could benefit from saving more but many people say they never have enough money left over to put into a savings account. This isn’t necessarily the case as many people also make lifestyle choices which leave them short of cash. But by changing the way you think about saving and spending and learning to budget, you might just find that you can come up with some money saving ideas so you free up even a little cash to put aside for a rainy day.The first step to saving is to budget properly. Ideally you need to work out your essential monthly outgoings and then add a little extra to pay for the odd little treat like books, CDs and going to the cinema. Hopefully you live well within your means in which case you’ll have some surplus money to stash away. Don’t worry if you need to start small - even a tenner a month will build up eventually.

Look at your monthly expenses in detail - all of them. There is rarely one that can’t be cut in some fashion with a little effort. See where you can prune so you can free up more money to add to your savings. And try to take care of the stuff you’ve already got. Servicing your car regularly means you won’t have to get a newer one so soon, for example.

You should evaluate your budget at least once a year to make sure you’re still on track because your goals and circumstances will change. Some short-term expenses may be paid off and new ones will be added so you’ll want to know if you’re still cutting back as well as you could.

Click here to view the saving accounts available via Credit4everyone.co.uk today

Alliance and Leicester: Premier 21

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