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Provider / Broker	Product	Gross AER % - £1,000	Interest payment frequency	Minimum monthly credit (£)	Monthly charge (£)	Authorised overdraft APR/EAR %	Unauthorised overdraft APR/EAR %
Nationwide Building Society	FlexDirect => ?1,000 per month	5%	monthly	£1,000	£0	na	na
Bank of Scotland	Under 19s Account	2.5%	quarterly	None	£0	na	na
Lloyds TSB	Under 19s Account	2.5%	quarterly	None	£0	na	na
Halifax	Cardcash (Youth)	1.51%	monthly	None	£0	na	na
Coventry Building Society	Coventry First	1.1%	monthly	£1,000	£0	na	na
NatWest	Natwest Adapt	1%	monthly	None	£0	na	na
Barclays	BarclayPlus	.75%	quarterly	None	£0	na	na
Royal Bank of Scotland	Revolve	.55%	quarterly	None	£0	na	na
Bank of Cyprus	Online Personal Current Account	.1%	quarterly	None	£0	ul	23.59%
Cumberland	Plus	.1%	annually	£750	£0	9.99%	9.99%

AER - Annual Equivalent Rate
O/D - Overdraft

na - not applicable
ns - not stated
ul - unlimited

Important Notes for users of Find.co.uk : This website will offer broad summaries for Investment & Pension products. Such products can be complex and involve investment risk. Pension products are long-term commitments and most Investment products are also normally designed for medium to long term periods. Investment returns are not guaranteed and the value of any investment can rise or fall. Any investment can risk the loss of capital, i.e. that you may not be able to retrieve the amount that has been invested. The listed products on Find.co.uk will have specific terms & conditions including charging structures. All terms & conditions, including charges, may differ between product providers, and change over time. Pension & Investment products, particularly ISAs (both Investment & Cash) relate to current UK Tax laws and regulations, and can be affected by individual tax circumstances. If any aspect of a specific product or product type which you are researching are in any way unclear, you should speak to a Regulated Financial Adviser or seek independent advice or clarification from a regulated Government body such as the Financial Services Authority or HMRC.

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