Go shopping, Get Rewarded ... With Orange Pre paid Card.

the benefits

The Orange Cash prepaid MasterCard®rewards you when you buy things and helps you stay on top of your spending.

get rewarded as you spend

When you spend Orange Cash instead of notes and coins, you get rewards that can be exchanged for Orange shop vouchers, which might be handy for buying a new phone. And if you’re an Orange PAYG customer, you’ll also be able to get free minutes, texts or credit as well. You collect one point for every £1 you spend, then exchange your points for rewards*.

And remember, you can use your points to top up your friends and family Orange pay as you go phones too. Just have a look at the table below to see what your rewards could get you.

rewards

Points	mins	or texts	or credit	or ORL Voucher
100	20	150	-	-
200	50	500	-	-
500	200	Unlimited for 1 Month	£5	£5
2000	1000	Unlimited for 6 Months	£20	£20

Orange Cash rewards are only available on eligible purchases*.
* Eligible Purchases = purchase of goods or services based on cleared transactions except for: – Refunded transactions (example refund in a shop or a disputed transaction) – Gambling transactions (based on Gambling MCC code) – Account to Account transfers – ATM withdrawals – Fees/charges to card account – Airtime top-ups

it’s quicker and easier to pay

Your Orange Cash card comes with PayPass contactless payment technology, the quick and easy way to pay for those smaller items of £15 or under - like a cup of your favourite coffee or a bite to eat. Just tap your card on any reader wherever you see the contactless symbol and you've paid!

covered for loss and theft

Since it comes with Chip and PIN security, you can use Orange Cash with complete confidence. Plus you’re protected if you lose it or it gets stolen, if you report it straight away. Find out more

Summary of Orange Cash terms: Your Orange Cash card can be used anywhere that MasterCard is accepted, except self service petrol station pumps. There’s a fee for cash withdrawals, but none for paying by card in stores or online (apart from payments to gambling websites). Online statements are free.In certain circumstances, you may have to pay a fee to get back any money loaded on toy your card . Remember that you may have to pay to top up your Orange Cash card in some places, including Post Office ® branches where it costs £1.50. You have to be over 13 to apply for an Orange Cash card. If you are under 18 years of age you must obtain permission from a parent or guardian. The Orange Cash prepaid MasterCard® is issued by Barclays Bank PLC pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Ltd is a registered service provider of Barclays Bank PLC.

Fasano, financial experts.

Prepaid Is Prepared

What is it?

In a nutshell, the Orange Cash prepaid MasterCard® is a card that can be loaded with cash and used just like a credit or debit card, online and in the shops. It’s just like having cash in your pocket but better, with rewards as you spend and added peace of mind.


Peace of mind in your pocket

You might not need a credit card, or you might already have one but want something a bit more convenient that puts you, and nobody else, in control of your money. The great thing about Orange Cash is you can only spend the money you’ve put on the card, so there’s less chance of spending more than you bargained for when you’re out and about.

• The benefits

The Orange Cash prepaid MasterCard® rewards you when you buy things and helps you stay on top of your spending.

• Get rewarded as you spend

When you spend Orange Cash instead of notes and coins, you get rewards that can be exchanged for Orange shop vouchers, which might be handy for buying a new phone. And if you’re an Orange PAYG customer, you’ll also be able to get free minutes, texts or credit as well. You collect one point for every £1 you spend, then exchange your points for rewards*.

And remember, you can use your points to top up your friends and family Orange pay as you go phones too. Just have a look at the table below to see what your rewards could get you.

Orange Cash rewards are only available on eligible purchases.

• It’s quicker and easier to pay

Your Orange Cash card comes with PayPass contactless payment technology, the quick and easy way to pay for those smaller items of £15 or under - like a cup of your favourite coffee or a bite to eat. Just tap your card on any reader wherever you see the contactless symbol and you've paid!

• Covered for loss and theft

Since it comes with Chip and PIN security, you can use Orange Cash with complete confidence. Plus you’re protected if you lose it or it gets stolen, if you report it straight away.

How you use it

The Orange Cash prepaid MasterCard® can be used securely online, in stores, at ATMs, abroad and even to top up your phone.

• Load cash wherever you areYou can load your Orange Cash card from your bank account, at the Post Office, PayPoint, any of our Orange shops, online, using a credit or debit card, or as a salary payment from your employer.

• Spend online or on the high street

You can use your card online or on the high street, wherever you see the MasterCard acceptance mark. And remember, you’ll always be secure when you use it, including when you shop online.

www.fininvest.co.uk 

HSBC Bank Account pays 6% on your cash

HSBC has launched a new promotion on its Bank Account, which allows account holders to earn a market-leading rate on their money

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When I was at school I worked at Next in my spare time so, for me, the phrase ‘January sale’ conjures up images of people desperately rifling through racks of clothes, barging each other out of the way in order to nab that £10 top.

But it’s not just the high street retailers that are at it – even banks now launch January sales, with enticing offers on select deals. And HSBC’s sale has included the launch of a current account paying an amazing fixed rate of 6% on balances!

Banking with HSBC

As part of its January Sale, HSBC has revamped its current accounts, and now has a number of extremely attractive deals.

My favourite is the simple Bank Account. Whether you are a new or eligible existing customer, you can secure a whopping rate of 6% interest fixed on balances up to £2,500. However, in order to secure the deal, you will need to get your switching forms over to HSBC by 5pm on the 31st January.

You can also get this rate if you go with the HSBC Advance account or the HSBC Premier account.

With the Advance account not only will you get 6% on your money, but also life insurance cover up to £3,000, worldwide travel insurance, roadside breakdown assistance and exclusive deals on a rate of products and services. It will set you back £9.95 for the first 12 months, and £12.95 thereafter though. However, I’m not a big fan of packaged accounts like this, and the FSA has its own concerns too, as we highlighted in The new bank mis-selling scandal.

With the Premier Account you’ll get wealth management advice from an HSBC IFA, family banking accounts and all sorts of other personal services.

However, to qualify, you’ll need to meet any of the following criteria:

• Joint savings or investments of at least £50,000 with HSBC in the UK.
• An annual income of at least £100,000 paid into your HSBC Premier Account, as well as either: 1) a mortgage of at least £300,000 with HSBC or 2) a product taken out from the bank’s independent financial advisory service, excluding mortgage-related insurance.

In other words, it's not an account for everyone.

More from HSBC:

 
HSBC Advance Account
HSBC Online Bonus Saver Account
HSBC Credit Card

Britain: The next European superpower

For a country apparently in inexorable decline, the UK has a brilliant future ahead of it. It may no longer have an empire, a decent football team, a trustworthy banking system or affordable public debts, but the future still looks bright.

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So bright, in fact, that by 2050 Britain will have the largest GDP per capita of any major Western European country, according to Ruth Lea, economic adviser to the Arbuthnot Banking Group.

Brazil may now be bigger than Britain and China and India may continue to streak ahead, but it's not all bad news for Blighty. In Europe, we will be top dog. Número Uno. Nummer eins. υπ 'αριθμόν ένα, as they say in Greece.

We will, in fact, be the new European superpower.

Europe's finest

Arbuthnot isn't the only company claiming big things for the UK in 2050. Last May, HSBC (LSE: HSBA.L - news) predicted the UK will still be the sixth largest economy in the world in 38 years' time, only a fraction smaller than Germany, but bigger than Brazil, Mexico and France. Okay, Brazil has recently overtaken us, but nobody's perfect.

The HSBC report, 'The World in 2050', also predicted we would grow faster than the US, France and Japan, with the UK moving back into surplus by 2020.

UK will have gold in sacks

Goldman Sachs (NYSE: GS - news) has also been bigging up Britain, claiming we will leapfrog France to be Europe's second biggest economy by 2050 (ninth overall), and will also close the gap on Germany.

By then, we will be the fifth richest country in the world, according to income per head (behind the US, Korea, Japan and France).

So forget 2012, think 2050. It's only 38 years away. And then we'll be rich!

People power

But on what grounds do they justify these outlandish claims? Ruth Lea puts it largely down to demographics. While the flow of the European babies dries up, the UK is spilling out the little ones.

Our working population is set to rise 5% between 2010 and 2050, compared to just 2% in France and a dreadful 25% drop in barren Germany. Italy (21%) and Spain (14%) will also stop squeezing out the workers of the future.

Japan (31%), China (19%) and Russia (27%) will see an even sharper drop in their working populations.

Among Western nations, the prolific US will strike demographic gold, with a 16% increase in its working population. Globally, watch out for India, set for a 45% rise.

In the long term, the numbers are working in our favour.

Dumbing up

We Brits are so used to doing ourselves down that this research will make many suspicious. It's little use having the quantity if we don't have the quality, and British parenting and schooling need to improve markedly if we are to fulfill our destiny as Europe's mid-century superpower.

Much of our healthy birthrates are due to immigrants, who tend to have larger families, at least in the first generation or two. If the Conservatives somehow squeeze immigration levels, birthrates could fall over time.

Still, Britain looks a good investment for the future.

Sorry, Russia

Whither emerging markets in 2050? Some now claim their glory days are over, with the BRICmarkets falling between 20% and 30% over the past 12 months.

Or are they just taking a breather?

Ruth Lea still believes China will be the biggest global economy in 2050. Brazil will also do well. Both will be seen as rich by today's standards. India should also have made "startling progress".

There is bad news for Russia, which will be demographically demolished, along with Germany, Japan and Italy.

Goldman Sachs agrees that China will be number one in 2050, followed by the US, India, Japan, Brazil, Mexico, Russia, Germany and the UK.

UK rules OK?

As Ruth Lea admits, anybody predicting how the world will look in 2050 is making "heroic assumptions". By failing to spot Brazil breathing down Britain's neck, HSBC has already gone from hero to zero.

There will be plenty more shocks and surprises over the next 38 years. But if these forecasts are broadly correct, now could be a great entry point for those giants of the future: China, India, Brazil, the US, Korea, Mexico -- and the UK.

• HSBC Bank Account pays 6% on your cash
• HSBC Online Bonus Saving Account
• HSBC Advance Account
• HSBC Credit Card

HSBC Bank Account pays 6% on your cash

HSBC has launched a new promotion on its Bank Account, which allows account holders to earn a market-leading rate on their money

---

www.FININVEST.co.uk

When I was at school I worked at Next in my spare time so, for me, the phrase ‘January sale’ conjures up images of people desperately rifling through racks of clothes, barging each other out of the way in order to nab that £10 top.

But it’s not just the high street retailers that are at it – even banks now launch January sales, with enticing offers on select deals. And HSBC’s sale has included the launch of a current account paying an amazing fixed rate of 6% on balances!

Banking with HSBC

As part of its January Sale, HSBC has revamped its current accounts, and now has a number of extremely attractive deals.

My favourite is the simple Bank Account. Whether you are a new or eligible existing customer, you can secure a whopping rate of 6% interest fixed on balances up to £2,500. However, in order to secure the deal, you will need to get your switching forms over to HSBC by 5pm on the 31st January.

You can also get this rate if you go with the HSBC Advance account or the HSBC Premier account.

With the Advance account not only will you get 6% on your money, but also life insurance cover up to £3,000, worldwide travel insurance, roadside breakdown assistance and exclusive deals on a rate of products and services. It will set you back £9.95 for the first 12 months, and £12.95 thereafter though. However, I’m not a big fan of packaged accounts like this, and the FSA has its own concerns too, as we highlighted in The new bank mis-selling scandal.

With the Premier Account you’ll get wealth management advice from an HSBC IFA, family banking accounts and all sorts of other personal services.

However, to qualify, you’ll need to meet any of the following criteria:

• Joint savings or investments of at least £50,000 with HSBC in the UK.
• An annual income of at least £100,000 paid into your HSBC Premier Account, as well as either: 1) a mortgage of at least £300,000 with HSBC or 2) a product taken out from the bank’s independent financial advisory service, excluding mortgage-related insurance.

In other words, it's not an account for everyone.

More from HSBC:
 
HSBC Advance Account
HSBC Online Bonus Saver Account
HSBC Credit Card

Prepaid is Prepared

the benefits

The Orange Cash prepaid MasterCard®  rewards  you when you shop and helps you stay on top of your spending.

get rewarded as you spend

When you spend Orange Cash instead of notes and coins, you get rewards that can be exchanged for Orange shop vouchers, which might be handy for buying a new phone. And if you’re an Orange PAYG customer, you’ll also be able to get free minutes, texts or credit. You collect one point for every £1 you spend, then exchange your points for rewards*.

And remember, you can use your points to top up your friends and family Orange pay as you go phones too. Just have a look at the table below to see what your rewards could get you.

rewards

Points	mins	or texts	or credit	or ORL Voucher
100	20	150	-	-
200	50	500	-	-
500	200	Unlimited for 1 Month	£5	£5
2000	1000	Unlimited for 6 Months	£20	£20

Orange Cash rewards are only available on eligible purchases*.


* Eligible Purchases = purchase of goods or services based on cleared transactions except for: – Refunded transactions (example refund in a shop or a disputed transaction) – Gambling transactions (based on Gambling MCC code) – Account to Account transfers – ATM withdrawals – Fees/charges to card account – Airtime top-ups

it’s quicker and easier to pay

Your Orange Cash card comes with PayPass contactless payment technology, the quick and easy way to pay for those smaller items of £15 or under - like a cup of your favourite coffee or a bite to eat. Just tap your card on any reader wherever you see the contactless symbol and you've paid!

covered for loss and theft

Since it comes with Chip and PIN security, you can use Orange Cash with complete confidence. Plus you’re protected if you lose it or it gets stolen, if you report it straight away. Find out more

Summary of Orange Cash terms: Your Orange Cash card can be used anywhere that MasterCard is accepted, except self service petrol station pumps. There’s a fee for cash withdrawals, but none for paying by card in stores or online (apart from payments to gambling websites). Online statements are free.In certain circumstances, you may have to pay a fee to get back any money loaded on toy your card . Remember that you may have to pay to top up your Orange Cash card in some places, including Post Office ® branches where it costs £1.50. You have to be over 13 to apply for an Orange Cash card. If you are under 18 years of age you must obtain permission from a parent or guardian. The Orange Cash prepaid MasterCard® is issued by Barclays Bank PLC pursuant to license by MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated. This card is an electronic money product. The electronic money associated with this card is provided by PrePay Technologies Ltd, a company regulated by the Financial Services Authority for the issuance of electronic money. PrePay Technologies Ltd is a registered service provider of Barclays Bank PLC.

Fasano, financial experts.