Personal Finance: Loose Change

CALLTRACK SYSTEMS International is launching a pre-paid phone card, with savings of up to 96 per cent on calls from other services, including BT payphones. Calls to France cost as little as 4p a minute. Available in denominations from pounds 5-pounds 20. With every pounds 20 card, a further pounds 6 of free calls is offered. Call 0171-229 4400.

LEEDS & HOLBECK Building Society has launched a three-year fixed rate bond paying 6 per cent gross. Minimum opening balance is pounds 100, maximum pounds 250,000. Interest can be paid monthly, at 5.55 per cent gross, or annually. A facility for emergency withdrawals of up to 25 per cent of the balance, without penalty, is also available. Call 0500 225777.