Intelligent Finance Open Account	Citibank Open Account	Halifax Open Account	Cahoot Open Account	Nationwide Open Account	Lloyds TSB Classic Plus Open Account
Information
Monthly Charge	None	None	None	None	None	None
Interest Rate Paid on Current Account	2.75% AER from £1 if only current account is held; 4.0% AER if both savings and current account are held; Customer can choose to receive up to 7.9% AER if a personal loan, credit card or mortgage are held alongside current account	3.56% AER % p.a.	2.53% AER % p.a. (2.50% gross p.a.)	3.45% AER on balances under £250,000 (without a chequebook) 3.35% AER on balances under £250,000 (with a chequebook)	£1000+ paid in monthly 2.00% AER £500-£999 paid in monthly 0.50% AER Less than £500 paid in monthly 0.25% AER	pay in a minimum of £1,000 per month to get 3.83% AER* pay in a minimum of £2,000 per month to receive the leading high street rate of 4.5% AER*
Telephone Service	Call centre, automated telephone banking.	Yes	Yes	Yes	Call centre, automated telephone banking	Yes
Cheque Book	Yes	No	Yes	Yes - interest reduces to 3.35% AER	Yes	Yes
Credit Card	Yes	Yes but not linked to this account	Yes but not linked to this account. A debit card is available.	Yes but not linked to this account	Yes but not linked to this account	n/a
• Monthly / Annual Fee	None	None	None	None	None	n/a
• Interest Rate	8.9% APR standard purchase APR if only credit card is held; Customer can choose to pay no interest on all or part of their credit card balance if current account or savings are also held	0% Introductory, 13.9% APR	8.9% EAR (0.71% Per Month)	Typical 8.3% APR	0% Introductory, 13.9% APR ongoing. Cash reward 15.9%	n/a
Automatic Overdraft	No On request and subject to status	No On request and subject to status	No On request and subject to status	Yes	No On request and subject to status	On request and subject to status
• Limit	Maximum overdraft limit is £10,000	Subject to Status		£250 interest free, additional overdraft limit available on request and subject to status	Maximum overdraft limit is £10,000	Subject to Status
• Interest Rate on o/d up to Limit	9.8% AER on authorised balance 25.0% if unauthorised		2.13% per month (28.8% EAR)	Typical 8.3% AER up to ovrdraft limit 21.9% APR if over limit	6.75% on authorized balance. 19.9% if unauthorised	0% per month (authorised) 2.2% per month (unauthorised)
Cash Withdrawal via UK Cash Machine Network	LINK	Free	Free	LINK	LINK (free)	LINK (free)
International Cash Withdrawal via VISA/Mastercard Network	VISA	VISA	VISA	VISA	VISA (with no charge from nationwide)	1.5% or £1.50 for VISA transaction and 2.75% for cash withdrawals
Linked Savings Account	Yes: Savings interest rates are applied to the combined balance of current account and savings (see cheque account interest rates)	Yes	Yes	Instant transfers between the current account and the cahoot savings account to maximise interest	Yes: e-savings is only available to flexaccount holders	Yes
• Interest Rate	£1 + 3.7%AER Customer can choose to receive up to 8.9% AER if borrowings are also held	3.92% AER		4.10% AER on balances under £250,000	3.5% gross p.a./AER	Please see www.lloydstsb.com/savings for more details
Set Up Standing Orders Online	Yes	Yes	Yes	Yes	Yes	Yes
Online Statements Available	Yes	Can see history of transactions with running balance	Yes	Yes	Yes	Yes
• How Many Transactions Available	Last 60	See up to 99 previous transactions with running balance		12 months statement history available online	Select your own level - up to 13 months	all transactions since last statement
• How Many Days Worth of Transactions Visible	7 days for whole plan	No limit on days - determined by maximum of 99 transactions		Account Status displays all transactions since last statement	The mini-statement shows the twelve transactions - over	Recent transactions show all transactions since last statement
Open an account	Open Account	Open Account	Open Account	Open Account	Open Account	Open Account
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