Product/Service Innovation
Best personal finance innovation
Winner: Natwest – Emergency cash
Best overall personal finance product provider
Winner: Nationwide Building Society
Banking
Best current account provider
Winner: First Direct
Highly commended: Halifax
Best online banking provider
Winner: Natwest
Highly commended: First Direct
Best premium current account
Winner: Halifax Ultimate Reward
Highly commended: HSBC Advance
Best student finance account provider
Winner: Natwest
Highly commended: Co-operative Bank
Credit Cards/Loans
Best credit card provider
Winner: Sainsbury’s Finance (Sainsbury’s Gold Credit Card)
Highly commended: RBS (Platinum Credit Card)
Best mortgage Provider
Winner: Halifax
Highly commended: Nationwide Building Society
Best personal loan provider
Winner: Nationwide
Highly commended: Sainsbury’s Finance
Information/Services
Best financial adviser
Winner: St James’ Place
Highly commended: London & Country
Insurance/Travel
Best home insurance provider
Winner: Direct Line
Highly commended: Endsleigh
Best lifestyle insurance product provider
Winner: Columbus Direct
Highly commended: AXA
Best health-related insurer
Winner: Simplyhealth
Highly commended: Aviva
Best life insurance provider
Winner: NFU Mutual
Highly commended: Aviva
Best pet insurance provider
Winner: More Th>n
Highly commended: PetplanBest overall vehicle insurance provider
Winner: Direct Line
Highly commended: RAC
Best travel insurance provider
Winner: Post Office
Highly commended: M&S Money
Best currency exchange provider
Winner: Travelex
Highly commended: Post Office
Investment
Best CFD provider
Winner: JN Financial
Highly commended: CMC Markets
Best cash ISA
Winner: Skipton Building Society
Highly commended: Yorkshire Building Society
Best children’s finance product provider
Winner: Family Investments
Highly commended: Halifax
Best investment ISA
Winner: Schroders – Schroder Oriental Income Fund
Highly commended: Barclays Global Markets 3
Best investment product provider
Winner: Aviva
Highly commended: J.P. Morgan
Best online stockbroker
Winner: Charles Schwab
Highly commended: Halifax Share Dealing
Savings/Retirement
Best annuity provider
Winner: Prudential
Highly commended: Aviva
Best lifetime funding provider
Winner: Aviva
Highly commended: LV=
Best savings account provider
Winner: Nationwide Building Society
Highly commended: Natwest
Best pension provider
Winner: Aviva
Highly commended: Prudential
