| Company |
Credit Interest
 |
Credit Card Limit
 |
Max Free o/d per year
 |
Auth Fees
 |
Unauth Fees
 |
Account Features
 | |
|---|
1Abbey Account The Abbey Account (Graduate) Package Year 2007/08 Authorised Overdraft: 9.9% APR (0.79% pm) - £1 Unauthorised Overdraft: 28.7% APR (2.12% pm) - £1 After Graduation: Apply within 3 years after graduation Fee: Nil
| 1.49% | £350 | Year 1
£2000 Year 2
£1000 Year 3
£500
| Nil | £25 per month |    | |
2Bank of Ireland (NI) Account Graduate C/A Package Year 2007/08 Authorised Overdraft: 0.0% EAR (0.00% pm) - £1 Unauthorised Overdraft: 12.68% EAR (1.00% pm) - £1 After Graduation: Apply within 2 years after graduation Fee: Nil
| - | Neg | Year 1
up to £1000 Year 2
up to £1000
| Nil | 1% pm min £2 |     | |
3Barclays Bank Account Graduate Account Package Year 2007/08 Authorised Overdraft: 15.6% EAR (1.22% pm) - £1 to £3K Unauthorised Overdraft: 27.5% EAR (2.05% pm) - £1 After Graduation: Apply within 2 years after graduation Fee: Nil
| 0.10% | £4000 | Year 1
up to £1500 Year 2
up to £1000
| Nil | Nil |    | |
4Barclays Bank Account Graduate Additions Package Year 2007/08 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 to £3K Unauthorised Overdraft: 27.5% EAR (2.05% pm) - £1 After Graduation: Apply within 3 years after graduation Incentive: Discounts on shopping and leisure on website www.Barclaysandme.com, free mobile phone insurance & free Greenflag roadside assistance Fee: £5.00 pm | 0.10% | £4000 | Year 1
up to £3000 Year 2
up to £2000 Year 3
up to £1000 Year 4
up to £500 Year 5
up to £200
| Nil | Nil |    | |
5First Trust Bank (NI) Account Graduate Account Package Year 2007/08 Authorised Overdraft: Negotiable - £1 Unauthorised Overdraft: 9.0% ABR + 1.00% pm - £1 After Graduation: Apply within 2 years after graduation Fee: Nil
| - | Neg | Year 1
up to £1000 Year 2
up to £1000 Year 3
up to £1000
| Nil | Nil |     | |
6HSBC Account Graduate Bank Package Year 2007/08 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 After Graduation: Apply within 3 years after graduation Incentive: Discounts on entertainment, shopping and driving lessons Fee: Nil
| 0.10% | Neg | Year 1
£1500 Year 2
£1000
| Nil | - |     | |
7HSBC Account Graduate Plus Package Year 2007/08 Authorised Overdraft: 15.9% EAR (1.24% pm) - £1 After Graduation: Apply within 3 years after graduation Incentive: Discounts on entertainment, shopping and driving lessons Fee: Free for 3 months, then £9.95 pm | 0.10% | Neg | Year 1
up to £1500 Year 2
up to £1000 Year 3
up to £500
| Nil | - |    | |
8Lloyds TSB Account Graduate Package Year 2007/08 Authorised Overdraft: 16.8% EAR (1.30% pm) - £1 Unauthorised Overdraft: 16.8% EAR (1.30% pm) - £1 After Graduation: Apply within 3 years after graduation Incentive: £50 paid within 31 days of receiving first regular salary credit over £1000 into account. Dial-a-phone offer inc £40 cash back on take up of line rental. For new Lloyds TSB custs return flight voucher to 1 of 6 European destinations Fee: Nil
| 0.10% | Neg | Year 1
£2000 Year 2
£1500 Year 3
£1000
| Nil | £15 pm
 |     | |
9Lloyds TSB Account Islamic Graduate Account Package Year 2007/08 Unauthorised Overdraft: 16.8% EAR (1.30% pm) - £1 After Graduation: Apply within 3 years after graduation Incentive: £50 within 31 days of receiving first regular salary credit over £1K. Dial-a-phone offer inc £40 cash back on take up of line rental. New custs recieve return flight voucher to 1 of 6 European destinations. Fee: Nil
| - | Neg | Year 1
£1500
| - | £15pm |     | |
10NatWest Account Graduate Package Year 2007/08 Authorised Overdraft: 17.81% EAR (1.38% pm) - £1 Unauthorised Overdraft: 17.81% EAR (1.38% pm) - £1 After Graduation: Apply within 3 years after graduation Fee: Nil
| 0.10% | Neg | Year 1
£2000 Year 2
£1000 Year 3
£500
| Nil | Nil |     | |
11Royal Bank of Scotland Account Graduate Royalties Package Year 2008/09 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 Unauthorised Overdraft: 29.84% EAR (2.20% pm) - £1 After Graduation: Apply within 2 years after graduation Incentive: Discounts on selected hols/travel/car ins/home ins/over 450 restaurants/theatre & concert tickets/DVDs/videos/CDs/computer games/books Fee: Nil
| 2.00% | Neg | Year 1
up to £2000 Year 2
up to £1500 Year 3
up to £1000
| Nil | £10 pm |    | |
12Ulster Bank (NI) Account Graduate Account Package Year 2007/08 Authorised Overdraft: Negotiable - £1501 Unauthorised Overdraft: 12.7% EAR (1.00% pm) - £1 After Graduation: Apply within 1 year after graduation Fee: Nil
| 0.10% | Neg | Year 1
up to £1500
| Nil | Nil |     | |