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Beneficial Banking

Beneficial Finance banking is restricted to loans and credit cards- they don't do ordinary bank accounts; even though they have a network of 90 branches (and another 130 with sister company Household Bank).
The Beneficial Finance credit card has one of the highest APR rates around (unless you stray into storecard territory!), at 25.9% APR. In a world where single figure APR's are always available, this is scandalous. There is however no annual fee, and up to 8 weeks interest free credit (which is a good deal- if you regularly pay cards off after 50 days, this might actually work). Card withdrawals are also artificially low, limited to £100 per day, which probably won't be much security when you're on holiday.

Whilst the types of loan products that Beneficial Finance banking offers are almost exactly the same as Household Bank's, the amounts available are lower. Specifically, personal unsecured loans are available between £500 and £7,500. There is a flexible loan, which allocates you a credit limit of up to £3000 which you can dip into as and when necessary. Finally, there are homeowner loans for larger sums (up to £50,000); which are of course secured against your property. Beneficial Bank is basically the Household Bank's little brother.