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Gold Geranium

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Review of the Halifax, Reward Current Account:

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Used to be the best but has fallen off its pedestal

I would say Halifax's free £5 a month reward account used to be the best on the market but then they introduced a requirement to pay out at least two direct debits. This is difficult to meet if you don't pay bills this way or if another householder is the designated bill payer for any bills that can be paid via direct debit. Halifax also used to be amongst the best in terms of interest rates for savers but now generally tends to offer pitiful rates. Reviewed on: 24th December 2015

Review of the American Express, Credit Card:

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Lots of great spending incentives

If you want an unexpected treat or an incentive to spend that also allows you to save, then get an Amex credit card. Amex do many great cashback offers throughout the year for high street shops but also do a shop small event at the end of every year where you get £5 back if you spend £10 or over. The only disadvantages are that not all shops accept amex and some of their offers aren't universally available. Reviewed on: 24th December 2015

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