Free Advice on Personal Banking - Make More of Your Savings

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The FreeBeez! Free Guide to Personal Savings
Stage 1: Looking After Your Money

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Personal Banking
See the Windfalls page for Investment tips.
See About FreeBeez for Wealth Warning notices

Savings Accounts and General Enquiries...
(0800- FREEPHONE Numbers; 0345- Lo-Call Numbers)

Alliance & Leicester See Santander
Bank of Scotland	03457 213141 20
Barclays	0800 400 100 0800 494949
Bath BS	01225 423271
Beverley BS	01482 881510
CapitalOne Bank	0800 085 0011
Cahoot from Santander	0800 085 7971
Cater Allen Bank	0800 092 3300
Chelsea BS ** Min M'ship	0800 429429 0800 169 1076 0345 744 6622
Cheltenham & Gloucester See TSB	0345 9758 758 20
Cheshire BS * See Nationwide	0800 243278

Chorley & District BS	01257 235000
Citibank	0800 008500 0207 500 5500
Coventry BS ** Min M'ship: ###	0800 121 8899
Co-operative Bank (Was Brittania BS )	0800 132 304
Cynergy Bank Property Specialist	0345 850 5555 20
Derbyshire BS Now Nationwide
Dunfirmline BS See Nationwide
Egg Now Yorkshire BS
First Active Now NatWest Home Loans (Was Fist National BS)	0800 096 9527 20
First Direct	0800 242424 03456 100100 20
Furness BS	0800 220568 0800 781 4311
Halifax (Halifax Online now Intelligent Finance )	0113 242 2229 0345 609 4343 20
Hanley Economic BS	0800 542 8790
Hinckley & Rugby	0800 774499 0800 434 6343
HSBC Bank	0800 180 180 0800 032 4738 0800 032 4729 0800 520420
Investec Bank	0207 597 4000
Julian Hodge Bank	0800 028 3746
Kleinwort Hambros	020 3207 7000
Leeds BS ** ### Min M'ship	08085 225 777 20

Leek United BS	0800 783 0847
Legal & General Bank	0800 027 7169
Lloyds TSB Bank	0800 056 0160 0800 056 0024 0345 3000 000 20 01733 347007 0345 3000 116 20
Lombard Bank	0800 502 402
Market Harborough BS	01858 412250
Manchester BS	0161 923 8065
Mansfield BS	01623 676300
National Counties BS	01372 742211
National Savings	08085 007 007 08085 500 000
Nationwide BS ** Min M'ship: Bonus 60 A/c £100 ###	0800 302010
NatWest Bank	0800 200 400 0800 587 8314 0800 854 581
Newcastle BS * Min M'ship £1 ###	0800 985 9000 0371 705 2606 20
Northern Rock See Virgin Money
*Norwich & Peterborough BS Now Yorkshire BS	0345 1200 100 20
Nottingham BS	0115 9564616
Principality BS	02920 382000 0800 678 1000
Royal Bank of Scotland	0800 783 9777
Santander	0800 100801 0800 174 635 0800 222397 0800 731 7774
Sainsbury's Bank	08085 405060
Scottish Widows Bank See TSB	0345 716 6777 20
Bank of Scotland	0131 317 5252
Shepshed BS See Nottingham BS
Skipton BS ** Min M'ship	0345 850 1722 20
Smile the Internet Bank	0161 477 1927
Standard Life Bank	0345 606 0098 20 0131 245 6367
Stroud & Swindon BS See Coventry BS
Teachers BS	0800 783 2367
Tesco Bank	0800 406050
The Cooperative Bank	0800 002345
Tipton & Coseley BS	0121 557 2551
Virgin Money Online:- Postal/Phone/Branch :-	0345 608 1604 20 0345 600 7301 20
West Bromwich * Min Mem'ship ###	0345 241 3784 20
Yorkshire Bank	0800 7838583
Yorkshire BS ** Min M'ship: ###	0800 378836

** Note: Building Societies marked "**" /font>
aare the hot favorites for demutualisation. Make sure you have minimum members share accounts (£100) with these as part of your overall savings plan for potential windfalls.
A single * denotes warm favorite.

Building Societies marked "###"/font>
oblige NEW investors to sign away any rights to conversion windfalls, so make sure you retain a minimum £100 to qualify for membership status even if you do not wish to tie up your funds.

Further Info:

Financial Ombudsman Service
British Bankers Association
Building Societies Association

020 7964 1000
020 7216 8800
020 7520 5900

Individual Savings Accounts (ISAs)
The providers above all offer Cash ISAs.

Please also Note: THINK BEFORE committing your money to a Mini-Cash ISA
(Capped @ £20,000 this tax year) if you intend to draw against it -
The Inland Revenue will not allow you to top up back to the £20,000 limit.

See the Windfalls page for Mini Stocks and SharesISAs.

See ISA Rules on the a href="http://www.freebeez.co.uk/windfalls.html">Windfalls page.

Friendly Societies

Save up to £25 per month tax free for ten years.
No savings portfolio is complete without one of these!

Exeter Friendly Society		08080 55 65 75 / 0300 123 3203
OneFamily (Family Assurance Friendly Society)		0800 616695 0344 8 920 920 20
OneFamily (Was Engage Mutual Assurance / Homeowners Friendly Society)		0800 169 4321
Lv= (Liverpool Victoria Friendly Society)/td>		0800 550050
Royal London (Was Royal Liver Assurance)		0800 661111 / 0345 303 2511 20
Scottish Friendly Assurance		0800 585625 / 0333 323 5433 20

Tax Questions?
Go to Inland Revenue: BeginnersGuideToTax
Inland Revenue Self Assessment Helpline: 01253 500050

Enhance the Value / Cost of your Life Insurance Cover!

Do you have an Endowment Insurance policy you wish to surrender?
DO NOT take the surrender value offered to you by your Assurer: I did a few years back when I was less well informed, and have never really recovered the "missing" portion of the payout.

You can achieve a better deal by selling on the second hand Life Insurance Market.	Similarly you can pick up a second-hand policy from somebody who has surrendered early.
How do these two areas come together? Learn more about Traded Endowment Policies (TEP's): Association of Policy Market Makers

1st Policy

Foster & Cranfield (Second-hand policies) -

Policy Plus

Surrenda-Link

020 8455 1111

0800 0721160 / 0207 608 1941

01244 355993

0800 919021

Here are some FREE Guides to help you
FREE Info pack on Savings Strategy, Tax, Risk and Reward - Wesleyan - 0800 806060
FREE Income Guide - Columbia Threadneedle Investments - 0800 953 0134
FREE Income Guide - Lighthouse - 0800 023 4567