Company	Credit Interest ?	Credit Card Limit?	Max Free o/d per year?	Auth Fees?	Unauth Fees?
Abbey Account The Abbey Account (Graduate) Package Year 2009/10 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	0.10%	£350	Year 1 £2000 Year 2 £1000 Year 3 £500	Nil	£25 per month
Abbey Account The Abbey Account (Post Grad) Package Year 2009/10 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	0.10%	£350	Year 1 £1000 Year 2 £1500 Year 3 £1800 Year 4 £1800	Nil	£25 per month
Bank of Ireland (NI) Account Graduate C/A Package Year 2008/09 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
Barclays Bank Account Graduate Account Package Year 2007/08 Authorised Overdraft: 19.3% EAR (1.49% pm) - £1 to £3K Unauthorised Overdraft: 0.0% EAR (0.00% 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	£22j
Barclays Bank Account Graduate Additions Package Year 2007/08 Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 to £3K Unauthorised Overdraft: 0.0% EAR (0.00% 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	£22j
First Trust Bank (NI) Account Graduate Account Package Year 2008/09 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
HSBC Account Graduate Bank Account 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	-
Lloyds 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 pmG
Lloyds 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
NatWest Account Graduate Package Year 2008/09 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
Royal 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	1.02%	Neg	Year 1 up to £2000 Year 2 up to £1500 Year 3 up to £1000	Nil	£10 pm
Ulster Bank 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	0.01%	Neg	Year 1 up to £1500	Nil	Nil

Company

Credit Interest ?

Credit
Card
Limit?

Max
Free o/d
per year?

Auth
Fees?

Unauth
Fees?

Account
Features?

Abbey
Account The Abbey Account (Graduate)
Package Year 2009/10
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

0.10%

£350

Year 1 £2000
Year 2 £1000
Year 3 £500

Nil

£25 per month

Abbey
Account The Abbey Account (Post Grad)
Package Year 2009/10
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

0.10%

£350

Year 1 £1000
Year 2 £1500
Year 3 £1800
Year 4 £1800

Nil

£25 per month

Bank of Ireland (NI)
Account Graduate C/A
Package Year 2008/09
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

Barclays Bank
Account Graduate Account
Package Year 2007/08
Authorised Overdraft: 19.3% EAR (1.49% pm) - £1 to £3K
Unauthorised Overdraft: 0.0% EAR (0.00% 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

£22j

Barclays Bank
Account Graduate Additions
Package Year 2007/08
Authorised Overdraft: 9.9% EAR (0.79% pm) - £1 to £3K
Unauthorised Overdraft: 0.0% EAR (0.00% 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

£22j

First Trust Bank (NI)
Account Graduate Account
Package Year 2008/09
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

HSBC
Account Graduate Bank Account
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

Lloyds 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 pmG

Lloyds 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

NatWest
Account Graduate
Package Year 2008/09
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

Royal 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

1.02%

Neg

Year 1 up to £2000
Year 2 up to £1500
Year 3 up to £1000

Nil

£10 pm

Ulster Bank
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

0.01%

Neg

Year 1 up to £1500

Nil