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Money Made Easy 2015-16: The complete guide to making and saving money for the whole family by Laura Whitcombe, Mark King

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Bank basics

We’ve come a long way from the time when humans first traded cattle as currency and established primitive banking systems. The ancient Egyptians stored mountains of gold in temples, while the Romans set up money-lending stalls in picturesque courtyards. Today, we track what we’re spending on smartphones and tablets.

It was during the 17th and 18th centuries that banking as we understand it really took off, with money lending and the transferring of funds becoming commonplace. Fast-forward to the 2010s, and consumers have a huge variety of banking options, with everyday banking facilities available on every high street as well as telephone, online and mobile, with payments and transfers just a finger tap away.

Most consumers need ...

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