MONEY

Welcome to our Money area. If you are looking for the best place to manage your money you have come to the right place. We compare different current accounts and savings accounts so that you can find the best place for your savings. We also compare debt management plans for those in trouble with debt. Always read the terms and conditions of the product you wish to apply for.

        

Compare Money Products

The money area of Which Way To Pay offers you comparisons and reviews on a range of general money products and services, including debt solutions, current accounts and savings accounts. Are you struggling with multiple debts? Take a moment to assess your situation and, if necessary, seek help and guidance from expert debt advisers. Have a look at the best savings accounts on offer at the moment and find the ideal current account for your daily money needs.

Credit Reports

Do you know what features on your credit report? If you want to increase your chances of being accepted for a loan, credit card, mortgage or even a mobile phone contract then knowing your credit report and history could really help. If you know the same information as your lender, you will be in a much stronger position to get approval for the credit you require. Knowing what sort of information is held on your credit report gives you the best chance to improve your credit rating. Find out if you need to build up your credit report to be accepted for the credit you require by applying for your credit report online.

When researching credit referencing companies in Ireland you will be offered an array of services, some supposedly free offering you the opportunity to view your credit report online. But are these services really free and how do you know which company is the best? The major credit bureau, ICB, offer your credit report for a one off payment. This is really useful if you want a one off look at your credit report before you apply for credit. Do your research thoroughly before you apply for credit so you give yourself the best chance for approval.

Debt Management

Struggling with debt is part of everyday life for many people in Ireland. If you feel that your situation has gotten out of control, know that you are not alone – and that getting help is really easy. There are plenty of options available, from free advice at your local council to expert guidance from a debt management service.

Taking the first step is the hardest part, but once you realise that most debt consultants handle cases with full confidentiality, you can relax and find the best solution. Before you decide on a course of action, make sure you go over the many options carefully. Take your time and compare the services.

Claims

Claim management companies are the perfect product for those people who feel they have been mis-sold PPI or have been involved in an accident that was not their fault, however, do not feel confident or equipped to make the claim on their own. PPI and injury claim specialist companies have been in the news recently for making nuisance calls to people who do not require their services; this portrays a sour picture of claims management companies. But how effective are legitimate claims management companies? Claims management companies make a complaint on your behalf to try and win you a compensation payment which you deserve. If claims management services are successful, they can be very effective and take the hard work away- so you don’t have get bogged down with legal paperwork you don’t understand.

Watch out for some claims management companies though. Some companies can promise you more than you will receive and their fees can be high. It is important that you do your research thoroughly when looking at what claims management company to appoint. Each claims company has different terms and conditions and a different fee structure. Never pay fees up front and you must always ensure you are fully aware of their terms and conditions.

Legal Services

What are the reasons people might need online legal services? Perhaps you need help writing your will? Or need help with divorce proceedings? Do you need help with a large tax bill or creating a legal document? Legal services companies offer you the help you need when you need it. The main advantage of using a legal services company is not only the money you could save on costs and fees but the expertise you will receive to help you achieve success. Researching legal services can be stressful and knowing what the legal jargon means can be frustrating. With a legal services company you will be offered a service that is simple and straightforward where you can be sure you understand what is going on every step on the way. With a strong team behind you, you can be sure you will receive the support you need when you need it.

It is important that you take the time to research the market carefully and ensure that you sign up with a legal services company that is reputable and suited to your specific case. Every case is different and varies considerably so you must be sure to know the fee structure, terms and conditions and type of advice you will receive before you commit to a specific company. If you are in any doubt then you should seek independent legal advice from a solicitor or citizen’s advice so you can be sure your legal case is taken care of.

Current Accounts

A current account is one of life's essentials. Designed to help you manage your everyday money with ease, current accounts are offered by most banks in the country. There are many options and features to choose from when looking for a current account, from how much interest you earn on credit, to overdraft facilities (will you be offered one? How much interest will you pay?).

Another important factor to consider are service charges – is there a regular administration or 'management' fee? Will you have to pay penalties? Some banks offer current accounts 'with extras' – extra features that might benefit you and your money. These could include insurance packages (such as travel cover) but might incur an additional fee, so make sure you find out in advance. Most current accounts now come with an online banking facility.

Savings Accounts

Most people in Ireland are aware of the importance of saving. However, what is the best way to save? What are the options and is your money at risk? Nowadays there are so many options for saving, it is no surprise that some people are left confused. Yet a regular savings account, offered by most banks and some independent providers, is one of the most secure ways of putting money aside. A savings account allows you to put your money in a safe place where it can earn interest until you need it at a later date.

Of course, there are many types of savings accounts, so it is wise to think about which option suits you and your money best. Choose from fixed term accounts to regular savings accounts – pick whether your interest rate is fixed for a set period of time, or flexible in line with the base interest rate set by the Central Bank.

        


Please note that Which Way To Pay Ireland www.whichwaytopay.ie is not authorised to give personal financial advice under the Republic of Ireland's financial regulations.

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