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• Bugatti EB 16.4 Veyron Spots Fast Cars
• Koenigsegg CCX Sports Fast Cars
• Bristol Fighter T Sports Fast Cars
• Gumpert Apollo Sports Fast Cars
• Pagani Zonda C12 F Sports Fast Cars
• Lamborghini Murciélago LP640 Sports Fast Cars
• Mercedes-Benz SLR McLaren “722 Edition” Sports Fas...
• Ferrari 599 GTB Fiorano Sports Fast Cars
• Aston Martin Vanquish S Sports Fast Cars
• Barabus TKR Sports Fast Cars
• Ruf RT 12 Sports Fast Cars
• Porsche 959 Sports Fast Cars
• Porsche 911 (993) Turbo Sports Fast Cars
• Porsche Boxster Sports Fast Cars
• Porsche Cayman S Sports Fast Cars
• Porsche Cayenne Sports Fast Cars
• Porsche 911 (996) GT3 Sports Fast Cars
• Porsche 911 S (997) Sports Fast Cars
• Porsche Carrera GT Sports Fast Cars
• Ferrari F40 Sports Fast Cars
• Ferrari Dino Sports Fast Cars
• Ferrari 308/328 Sports Fast Cars
• Ferrari 288 GTO Sports Fast Cars
• Ferrari 250 GTO Sports Fast Cars
• Ferrari Daytona Sports Fast Cars
• Ferrari 550 Maranello Sports Fast Cars
• Ferrari 250 California Spyder Sports Fast Cars
• Enzo Ferrari Sports Fast Car
• Ferrari F430 Sports Fast Car
• BMW E30 3-Series Luxury Car
• BMW E36 3-Series Luxury Car
• BMW 3-Series Compact Luxury Car
• BMW 528i Luxury Car
• BMW Z3 M Coupe Luxury Car
• BMW 7-Series Luxury Car
• Mercedes SSK Classic Car
• Mercedes 300SL Gullwing Classic Car
• Mercedes 300SLR Classic Sports Car
• Mercedes 230SL Pagoda Classic Car
• Mercedes 600 Pullman Classic Car
• Mercedes C111 Classic Sports Car

Bugatti EB 16.4 Veyron Spots Fast Cars

Bugatti EB 16.4 Veyron
253mph+, 0-62mph 2.5 secs

Officially the fastest car in the world. Ever. In a straight line the Bugatti Veyron simply owns the opposition. Electronically limited to 253mph, the Veyron’s top-end superiority is underlined by simply staggering acceleration. Remember the 243mph McLaren F1? Even given a 100mph head start, the Veyron would still beat one to the double ton. More fun stats include emptying the 100-litre fuel tank in 11 minutes at maximum velocity – a situation engineers have described as a ‘safety feature’. Travel that fast for a whole half hour and even the special high-speed tyres would apparently start to melt.

With four turbochargers, the 8.0-litre W16 engine makes a minimum 1000bhp, so it’s no surprise to discover the car contains 17 different cooling devices. Four-wheel drive and sophisticated aerodynamics mean the Veyron isn’t just a hyper-performance dragster, either, cornering incredibly for something weighing 1888kg. A super-fast shifting seven-speed DSG gearbox and mega price-tag completes this ultimate high-speed package.

Koenigsegg CCX Sports Fast Cars

Koenigsegg CCX
245mph+, 0-62mph 3.2 secs

Poor Koenigsegg. Having spent the entire century so far trying to capture the McLaren F1’s top speed record, the Swedish supercar maker finally achieves it with the 242mph CCR when Bugatti comes along and rearranges the rulebook. That’s got to hurt. Still, what better way to bury the pain than to develop a new version – the CCX. A bespoke 4.7-litre V8 with twin superchargers sits just behind the passenger compartment, developing 806bhp and 678lb ft of torque – enough to propel the car from 0-62mph in 3.2 seconds despite only having rear wheel drive.

245mph is achievable if you can find, well, a runway long enough, though the low drag shape that allows this does mean the Koenigsegg can be a handful in the corners. Extra bonus points for having carbon-fibre wheels on the options list and doors that are cooler than a penguin’s feet.

Bristol Fighter T Sports Fast Cars

Bristol Fighter T
225mph+, 0-62mph 3.5 secs

Eccentric is an overused word, but as a description of Bristol, the reclusive British carmaker, it seems perfectly apt. Imagine a sideboard on wheels, add a whacking great American V8 and you’ve got a Blenheim. Bristol got by building variations of these for years (and years) until suddenly it decided a supercar was desperately needed to complete the line-up. Thus, the 200mph Fighter was born, and having gotten hip to the new millennium, Bristol can’t stop improving the specification of the thing. Apparently due to customer demand – no seriously, Bristol customers do attend trackdays – the new Fighter T has an utterly bonkers 1012bhp and immense 1036lb ft of torque.

That’s more power than the Veyron, thanks to a twin-turbocharged version of the 8.0-litre V10 more often found under the bonnet of a Dodge SRT-10. Electronically limited to 225mph, Bristol claims a frankly ludicrous potential maximum of 270mph. They neglect to mention the price, but if you have to ask…

Gumpert Apollo Sports Fast Cars

Gumpert Apollo
224mph, 0-62mph 3.0 secs

Yikes. Well, you’re not exactly going to miss this, uh, beauty appearing suddenly in the rear-view mirror. And seriously, move over, because although you’ve probably never heard of it, being fourth on this list means there aren’t many cars capable of outrunning a Gumpert Apollo. 224mph is impressive, but it’s the 0-62mph time that really grabs our attention. Three seconds flat is seriously quick – you’ll be needing a Veyron if you want to go faster. Such high levels of poke hint at an exotic under-bonnet experience, but don’t be too disappointed when we tell you the Apollo is powered by a 4.2-litre Audi V8.

Two appropriately substantial turbochargers later and you’ve got 650bhp under your right foot. That ought to be enough to keep the driving experience entertaining, especially when combined with a six-speed sequential gearshift and rear-wheel drive.

Pagani Zonda C12 F Sports Fast Cars

Pagani Zonda C12 F
214mph, 0-62mph 3.5 secs

The Pagani Zonda has never been about outright top speed. When you’ve got such extravagant design and exquisite detailing, not to mention epic acceleration, sublime handling and a pair of shoes made by the Pope’s cobbler included in the asking price, becoming part of the supercar elite was almost a given. And Pagani’s done it in record time – going from obscurity to revered supercar status in the blink of an eye. Still, it’s nice to know you can back up all that flash with a bit of firepower if you need to, and the introduction of the 214mph Zonda F nicely boosts a range that otherwise barely cracks the magic 200.

7.3-litres of bespoke Mercedes-Benz AMG V12 does the business very nicely, providing upwards of 602bhp (650bhp in Clubsport guise), and 0-62mph in 3.5 seconds. We’ll take ours in bare carbon-fibre, please. And if you want real exclusivity, there’s a Roadster version available, too.

Lamborghini Murciélago LP640 Sports Fast Cars

Lamborghini Murciélago LP640
211mph, 0-62 3.4 seconds

Lamborghini is synonymous with flamboyance. So when it unveiled this car at the 2006 Geneva motorshow, the world gasped. Who on earth had decided to paint a Murciélago in gloss primer grey? But the LP640 isn’t any ordinary Murciélago , and we rather suspect the utilitarian hue wasn’t just about making the car look harder than a Stealthbomber on a night out. Toning down the paint helps emphasize that this Lamborghini is all about performance, an impression enhanced by the optional transparent engine cover that keeps the LP640’s wailing V12 hard permanently on display.

211mph is six more than the standard version, which doesn’t sound much until you realise it’s taken 61 more horses to achieve, and the going gets pretty tough over 200mph. The total bhp count now stands at 631, helping drop the 0-62mph time by an impressive 0.4 seconds to only 3.4. Oh, and you still get the scissor doors – which should keep the traditional clientele happy.

Mercedes-Benz SLR McLaren “722 Edition” Sports Fast Cars

Mercedes-Benz SLR McLaren “722 Edition”
209mph, 0-62mph 3.6 secs

What kind of supercar really needs a special edition? Well pretty much everyone is at it these days so that’s something of a moot point. But if anything does, it’s the Mercedes-Benz SLR McLaren – which has the unfortunate double problem of the McLaren F1 as a forefather and various AMG Mercedes as siblings. Ceramic brakes and an unrestricted top speed are all very well, but you don’t really expect them to be combined with an automatic gearbox and the interior from an executive saloon.

So, in order to up the interest a bit, only 150 “722 Edition” SLRs will ever be made, featuring a 650bhp version of the 5.5-litre V8, specially tuned suspension, a quicker 0-62mph dash and a top speed of 209mph – that’s a whole 1 mph faster than the ‘ordinary’ car. Hmmm. Tough to pick when an SL65 with the limiter removed will lose you your licence just as comprehensively for about £200,000 less.

Ferrari 599 GTB Fiorano Sports Fast Cars

Ferrari 599 GTB Fiorano
205mph+, 0-62mph 3.7 secs

The Ferrari Enzo was such a technical tour de force that it’s easy to imagine the engineers at Maranello scratching their heads over what to do next. No such luck for the competition as it turns out, since in developing a replacement for the 575M Maranello, Ferrari have completely re-written the script for front-engined GT supercars. Other cars on this list may be faster – in some cases very much so – but the 599 GTB Fiorano is just fantastically accomplished to drive.

Technical highlights include Magnetorheological Suspension Control, Formula 1 derived traction and stability control, and the not insignificant achievement of being 40kg lighter than the outgoing 575M despite being considerably larger. Don’t care about the techy stuff? Then simple glory in this 6.0-litre V12’s 8,400rpm redline, soulful interior, and the fact you’re driving a car with a prancing horse on the bonnet. Shame it doesn’t look a little bit prettier, but then the world never has been perfect.

Aston Martin Vanquish S Sports Fast Cars

Aston Martin Vanquish S
200mph+, 0-62mph 4.8 secs

The original Vanquish could never really be accused of being short of power, but such is the pace of development these days its cheaper DB9 relative was snapping at its heels in the performance department. Costing some £60,000 more than the DB9 that simply wouldn’t do. So the Vanquish S was born, raising power from its front-mounted V12 to 520bhp, a hike of 60bhp. That also pushes the top speed of this British bruiser up beyond the 200mph barrier.

As well as the engine modifications the S has a tweaked chassis to provide a more focussed, rawer driving experience, marking it out from the still available regular Vanquish and the DB9. Still largely hand built, in tiny numbers, the Vanquish S is a perfect British riposte to the thoroughbred Italians here; sophisticated, yet brutally fast, Aston Martin’s flagship is a very desirable and useable 200mph+ machine. KF

Barabus TKR Sports Fast Cars

Barabus TKR

America is another notable absentee, but the most likely candidate, Saleen’s S7 Twin Turbo makes no greater claim than 200mph+, even if previous talk had suggested 260mph might be possible. The UK’s very own Ultima also claims 200mph+ for certain versions of the GTR, but specifications are quite individual. What we can say for certain is that Ultima does hold the 0-100mph-0 world record, with its GTR720 performing the feat in 9.4 seconds – half a second faster than even the Veyron can manage. Another UK wild card is the Barabus TKR, which was a surprise showing at this year’s British motorshow, and is theoretically good for 270mph.

But then they also claim 0-62 in less than two seconds, and we’re really not sure if that’s possible. But for totally off-the-wall (and totally unverifiable) try Project 1221, an Italian concern apparently building a turbine powered supercar with the equivalent of 1500bhp and a 270mph+ top speed…

Ruf RT 12 Sports Fast Cars

Ruf RT 12

Rather than stick a single car into the number 10 slot, we thought it’d be more fun to round up the list with several… let’s say ‘unverified’ alternatives. No official showing from Porsche since the demise of the Carerra GT could easily be countered with a number of tuner 911 from specialists so deep into modification they actually count as independent manufacturers in some countries. Ruf and 9ff, for example, will happily sell you a professionally fettled 911 turbo capable of well over 200mph. Similarly, Brabus and others make a business out of making Mercedes go very quickly indeed, and the CLS based Rocket has 730bhp and is supposedly electronically limited to 217mph.

Porsche 959 Sports Fast Cars

Porsche 959

It’s perhaps clichéd to mention it, but this mechanical marvel became one of the poster icons for the Athena generation. I had one on my wall with a Lamborghini Countach and Ferrari 288 GTO with ‘decisions, decisions, decisions’ written underneath. Sadly, I’ve never had to make that decision but if I did I’d go for the Porsche. It was a technical masterpiece when it was introduced in ’88 and still commands real respect today. Based on the 911 but with highly sophisticated four-wheel-drive transmisson, twin turbochargers, electronic ride height adjustment and 450bhp it never quite managed the 200mph of its cruder rivals – topping out at ‘just’ 197mph. However there were some drawbacks.

That engine and complex transmission combined with its composite wind-tunnel honed ‘zero-lift’ bodywork made it fiendishly expensive to produce though, Porsche making a significant loss on every one of the 283 cars they sold. They are exceptionally rare and valuable and unfortunately Auto Trader doesn’t list any right now...

Porsche 911 (993) Turbo Sports Fast Cars

Porsche 911 (993) Turbo

There are a good number of 911 fans out there that regard the 993 series 911 that ran to 1997 as the last of the ‘real’ 911s. That’s because it was the last 911 to be cooled by air. Like most generations of 911 there were several stand-out models based on the 993, the RS, the basic Carrera 2 being notable examples, but for many the Turbo is the 993 to aspire to. Never before had the 911 Turbo offered such blistering pace with ease of use. Previous Turbos had a fearsome reputation, the 408bhp 993 Turbo utilising four-wheel-drive to enable you to use its prodigious thrust on any road in any conditions. Ludicrously quick with a 4.5 second 0-62mph time and a 180mph top speed, the 993 Turbo remains a supremely able and enjoyable high performance 911 that’s hugely sought after.

Porsche Boxster Sports Fast Cars

Porsche Boxster

Like the trio above the Boxster has allowed Porsche to indulge its customers with the 911 and projects like the Carrera GT by offering volume models at more affordable prices. The Boxster is a fantastic car and one that’s never been bettered in the roadster market with its combination of decent performance and fantastic ride and handling. It’s made it the benchmark in its price range. However, as it sits under the 911 it’s always been capped for power to prevent it taking sales from its iconic big brother. The earliest 205bhp 2.5-litre cars introduced in 1997 underline this by being a touch slow, but any other model is well worth considering; particularly the faster S derivatives with their larger engines. The current Boxster continues where the original left off. That is, heading the roadster class effortlessly and providing a hugely enticing and relatively affordable step onto the ladder of Porsche ownership.

Porsche Cayman S Sports Fast Cars

Porsche Cayman S

Some might consider it rather early to be proclaiming the new Cayman S as worthy of a place among our top ten Porsches, but we’re absolutely certain it deserves the accolade. A coupe version of the Boxster was always going to be special and the Cayman S certainly doesn’t disappoint. Significantly stiffer than its Boxster relative, the Cayman S offers a supremely sharp and focused driving experience. There’s such immediacy to its responses and fine control it’s an absolute joy to drive on a challenging road. Its Boxster/911 derived 3.4-litre engine offers 295bhp, allowing it to sprint to 62mph in just 5.4 seconds. Certain to be joined by a lesser powered version that should slot between the Boxster and Boxster S in price and performance there’s a lot more to come from the Cayman. We just hope the rumours of a lighter, even more focussed Club Sport version are true.

Porsche Cayenne Sports Fast Cars

Porsche Cayenne

Whoa. The Cayenne? Still a moot point among Porsche enthusiasts the Cayenne is nevertheless a hugely significant model for Porsche. Not least because it accounts for a considerable slice of sales, particularly in the USA, and hence profitability. That means it can afford to continue developing its sports cars while remaining independent. That, and no other model so clearly exhibits Porsche’s ability to engineer the impossible; Porsche making a sports car out of a heavy 4x4. It’s quite incredible to drive, the Turbo able sledgehammer to 62mph in just 5.6 seconds, with agility and performance that’s way beyond what you’d expect from a chunky off-roader. You might think that to achieve this Porsche would have quietly forgotten to develop it to work off-road, but it copes with talent that’s not far off that of a Land Rover. An engineering achievement to be proud of, if not a design one...

Porsche 911 (996) GT3 Sports Fast Cars

Porsche 911 (996) GT3

The 997 might be here now, but you can still buy new versions of the 996 series car like the Turbo and GT3. The GT3 is a car in the vein of the RS’s that preceded it, stripping out excess weight, adding precision and power and offering a drive that’s race car fast for the road. Delivering 381bhp from a very special version of the standard 911’s 3.6-litre powerplant the GT3 achieves this heady power output without a turbocharger, yet it’s Turbo brisk with a 0-62mph time of just 4.5 seconds. The even more extreme limited GT3 RS is rawer and even more focussed, and makes a referential link to the iconic ’73 Carrera RS with its white paintwork with blue or red wheels and graphics running along the sills. Porsche is readying a new 997 GT3, when it arrives we expect it to be sensational. It’ll need to be to beat its predecessor.

Porsche 911 S (997) Sports Fast Cars

Porsche 911 S (997)

It’s perhaps predictable putting the fastest current version of the 997 into this mix at the expense of other worthy Porsches like the 928 GTS, 993 RS or 964 3.8 RS, but it’s difficult to ignore the latest car’s huge all-round talent. In S guise the current Carrera offers 355bhp, which, amazingly, is around 100bhp more than the turbo 911s of the ‘70s. It’ll sprint to 62mph in 4.5 seconds and reaches a maximum of 182mph – which is 993 Turbo pace. However, it’s not its power or pace that impresses so much, but the way that it remains so easy to drive. That makes it an accomplished everyday driver or a circuit weapon, the brilliant feel, handling and body control all accompanied by the aural thrill of its wonderful 3.8-litre flat six. A fitting step in the 911’s evolution, rival manufacturers constantly try to better it, but none has, or is likely to.

Porsche Carrera GT Sports Fast Cars

Porsche Carrera GT

Fittingly, given we started this top ten with the last Porsche proper production hypercar we’ll finish it with its latest. The Carrera GT. Like so many of Porsche’s models its roots lie in racing, the Carrera GT conceived as a race car before a change in regulations ruled it out before it was ever raced. Pragmatically, Porsche decided not to waste all its efforts in developing the Carrera GT and hastily turned it into a road car project. The result is phenomenal, the Carrera GT able to breach 200mph and sprinting to 62mph in just 3.9 seconds. That’s possible because of the 612bhp 5.8-litre V10 engine powering it, and the light and immensely strong carbon fibre chassis. Expensive, exclusive and outrageously fast and capable, the Carrera GT is the fastest production Porsche to leave the factory, but amazingly for such an exotic machine it’s just like every production Porsche as it really can be used and enjoyed everyday.

Ferrari F40 Sports Fast Cars

Ferrari F40

Unveiled personally by Enzo Ferrari himself on 12 March 1987 the F40 was built to celebrate 40 years of Ferrari. With a quoted top speed of 199mph its twin turbocharged, twin intercooled, 2.8-litre V8 engine was a development of the 288 GTO’s. In the F40 it produced 478bhp, giving this road racer savage performance. 62mph was reached in just 4.6 seconds - it doubling that to 124mph in 11 seconds dead. Constructed using a mix of composite materials and steel alloy tubes the F40 weighed in at just 1254kg. Its raw, stripped interior helped keep the weight down - making no concessions to comfort.

Indeed, the F40 represented a polar opposite to the contemporary Porsche 959’s incredible technical sophistication and comfort, yet its fierce performance and aggressive styling saw it go on to become a tremendous sales success where the Porsche floundered. A total of 1311 were built between 1987 and 1992, making it one of Ferrari’s most successful specials in both sales and profitability.

Ferrari Dino Sports Fast Cars

Ferrari Dino

Say Dino to a Ferrari enthusiast and it’s highly likely that this is the car they’ll think of. That’s despite the fact that the Dino name has been used on several occasions throughout Ferrari’s history. Yet the Dino never, ever wore the prancing horse badge of Ferrari when it left the factory, enthusiasts putting them on afterwards. First shown in concept 206 GT Speciale form at the 1965 Paris Salon, the first production cars followed in 1967. Power for the early Dino 206 GT models was from a mid-mounted 2.0-litre V6 engine producing just 180bhp. Only 152 206 models were built before the engine was enlarged to 2.4-litres, raising power to 195bhp. The Dino’s model number changed to 246 to represent the larger engine, with other changes including a wider track and increased wheelbase. The open GTS model joined the range in 1972, it particularly popular in the USA. It may never have been badged Ferrari, but there’s no mistaking the bloodline of this achingly beautiful and highly sought after car.

Ferrari 308/328 Sports Fast Cars

Ferrari 308/328

This is perhaps the archetypal Ferrari, the shape that people immediately associate with the marque. Made famous through its role in "Magnum" television series the 308/328 cars are still today commonly referred to as the ‘Magnum’ cars. And it is a beautiful shape, sharing visual cues with the Dino before it. Its mechanicals came from the edgy, unloved 308 GT4 and early cars featured glassfibre bodies – to the horror of many Ferrari customers. They’re now the more sought after cars, as the metal bodies from 1977 are susceptible to rust. Power for the 308 came from a transversely mounted 3.0-litre V8, hence the 308 model designation - the 328 from 1985 featuring a 3.2-litre engine. Power varied from 255bhp in the early cars to 214bhp in later models - due to the introduction of K-Jetronic fuel injection in 1980 over the previous Weber carburettors. Ferrari solved this with a 32-valve head in 1982 boosting power back to 240bhp. Later 328s produced as much as 270bhp, the 308/328 series cars proving hugely successful over their 1975-1989 production run. In total Ferrari sold over 21,000 examples in both GTB Berlinetta coupe form and also GTS with its removable roof panel.

Ferrari 288 GTO Sports Fast Cars

Ferrari 288 GTO

It may look similar to the 308/328 cars, but the 288 GTO was a completely different proposition. Introduced in 1984 the 288 GTO was limited to just 273 examples, it remaining a highly coveted car among Ferrari collectors today. The 400bhp from its longitudinally mounted 2.8-litre, four cam, four valve per cylinder, V8 engine is achieved by the adoption of two turbochargers and intercoolers these allowing the 288 GTO to sprint to 62mph in 4.8 seconds and onto a maximum speed of 188mph. Its backbone construction was of tubular steel, but fibreglass and Kevlar were also used to keep weight as low as possible. Its beautiful, muscular looks belie its vicious performance, as does its interior, which, unlike its F40 descendant features proper door pulls, handles and carpets. In every way the 288 GTO lives up the famous GTO badge that has always represented Ferrari’s most extreme sporting cars, though such is the pace of progress a current F430 will outperform it in every area.

Ferrari 250 GTO Sports Fast Cars

Ferrari 250 GTO

The most revered letter and number combination in Ferrari’s history the 250 GTO was Enzo Ferrari’s retort to a change in sports car racing rules introducing a new Grand Turismo category. That’s the G and T of GTO taken care of, the ‘O’ representing omologata or homologated. This allowed Ferrari to take the GTO racing, where it dominated. Power for this legendary car came from a 3.0-litre V12 similar that of all the 250 series cars but featuring higher profile cams and larger valves, with it all fed by no less than six Weber carburettors. As impressive as its engine is it’s the 250 GTO’s beautiful lines that make it so legendary. The hand sculpted aluminium panels clothing its tubular structure might have been formed to cleave the air efficiently, but the shape they produce is sensational. Built in tiny numbers the GTO might have been a road racer, but it also fulfilled its Grand Turismo role perfectly. Effectively replaced by the mid-engined 250 LM in 1963 the 250 GTO remains the holy grail among Ferrari collectors. And they’re prepared to pay £millions for them.

Ferrari Daytona Sports Fast Cars

Ferrari Daytona

Daytona. Photo by Perry Stern

An established Ferrari classic the 365 GTB/4 Daytona was so named to celebrate Ferrari’s triple success in the American 24 hour race. Its 4.4-litre, V12 engine is mounted under its impossibly long bonnet in a time when competitors like the Lamborghini Muira were adopting a mid-engined layout. Even so, that V12 produces a more than ample 348bhp, allowing the Daytona to reach 170mph and sprint to 60mph in 6.1 seconds – bettering its then rivals. Impressive as that performance is the Daytona isn’t an easy car to drive quickly. The five-speed transmission is reluctant, and the steering leaden, but it was the undisputed speed king among its contemporaries. Around 1300 were built between 1968 and 1973, pre-‘71 cars featuring perspex enclosed light housings – later cars featuring pop-up units. A spider model was offered for a short time, their production numbering 124, meaning that they’re both sought after by collectors and that a number of GTB coupes have been converted latterly to drop-top specification.

Ferrari 550 Maranello Sports Fast Cars

Ferrari 550 Maranello

Introduced in 1996 the 550 represented something of a change in Ferrari’s philosophy for its flagship sports coupes. Its predecessor, the Testarossa and its 512 TR and F512 M developments were mid-engined machines, the 550 Maranello going back to the front-engined layout of cars like the Daytona. Its 5.5-litre V12 engine is effectively mid-mounted though, being positioned as far back as possible under that long bonnet. It produces 479bhp, more than enough to propel the 550 Maranello to beyond 190mph and to 62mph in 4.6 seconds. Significantly, Ferrari’s decision to re-adopt the front engined layout was vindicated by the fact it could lap around Ferrari’s own Fiorano test track 3.5 seconds quicker than the mid-engined F512 M that it replaced.

The styling might not be Ferrari’s best, but the 550 is such an accomplished supercar it’s difficult to ignore - the fantastic chassis underlined Ferrari’s dominance in the supercar class. A historically significant and brilliant car, Ferrari thought enough of to name it after its Maranello home.

Ferrari 250 California Spyder Sports Fast Cars

Ferrari 250 California Spyder

America is an important market for Ferrari, so when the US concessionaires ask the factory for something they usually respond. That is exactly why this car exists. Based on the 250 GT SWB the California Spyder was built by Ferrari for its wealthy customers wanting an open-top car to enjoy California’s warm climate. It’s an indulgence in this list as historically it’s perhaps not that significant, but it’s unquestionably one of the most beautiful open-topped cars ever made. A short run of 108 were produced between 1957 and 1962, the specifications of each cars differing significantly depending on customer’s exacting needs. That means you’ll get aluminium-bodied examples and some with steel bodies with the odd lightweight panel. The standard V12 engine offered 280bhp but like the body the engines come in a variety of differing specifications – some California’s were even specified with race engines from the Testarossa. A sensational looking car, California owners are very lucky people indeed.

Enzo Ferrari Sports Fast Car

Enzo Ferrari

No greatest Ferrari list would be complete without mentioning the latest limited run hypercar. Named after the man himself, the Enzo Ferrari represents the pinnacle of Ferrari’s road and race car knowledge. That means it features a carbon-fibre and aluminium monocoque, carbon-ceramic brakes, double wishbone suspension with push-rods operating the horizontally mounted springs and dampers and a paddle-shift six-speed transmission. Like F1 drivers each owner has the car fitted to them, the seat and pedals adjusted to suit your exact needs and accommodate factors like whether you prefer to use left foot braking or not. But as with any Ferrari it’s the engine that’s the most important feature. And the Enzo’s 6.0-litre V12 is a masterpiece.

It produces 660bhp, allowing the Enzo to reach 62mph in just 3.6 seconds and breach 220mph. It’s all controlled by highly complex electronic systems that control the damping, engine management, gearshift, traction and stability – though for those wanting to experience their Enzo properly the ASR traction control can be switched off. Exclusive, with only 400 being built, and offering quite staggering performance the Enzo is a highly fitting tribute to the man who started the company.

Ferrari F430 Sports Fast Car

Ferrari F430

There will undoubtedly be a few of you who will question the inclusion of the F430 in the list of greatest Ferraris. But like its 360 and 355 predecessors it represents the ultimate expression of the current ‘small’ Ferrari and that alone means it’s worth including. With power to better all of the cars, barring the Enzo, listed above the F430 develops 483bhp. That allows this current entry-level Ferrari offer performance that’s equal to and in many respects better than the F40 of 12 years ago. That highlights quite staggering progress, the F430’s 4.3-litre, normally aspirated V8 developing a sensational specific output of 114hp per litre.

Using Ferrari’s latest F1 know-how the F430 features both an electronic differential (E-Diff) and a manettino switch on the steering wheel that allows the driver to directly control the car’s dynamics. Its shape is a result of extensive development in the wind tunnel, too. Overall the F430 underlines Ferrari’s commitment to producing cars that keep pushing the performance boundaries. And that alone is enough to warrant it a mention among these established greats.

BMW E30 3-Series Luxury Car

BMW E30 3-Series (1987-1991)

In 1987, BMW gently facelifted the E30 3-Series, replacing the chrome bumpers with full-length body-coloured plastic ones, while removing chrome detailing elsewhere, too. And so the yuppie mobile was born. Rarely has so minor a facelift proven so successful; the 3-Series now looked great, just at the right time, and BMW’s upward sales spiral commenced. The company has never looked back, and can thank this car. It can be brought for three-figure sums today, yet flawless mechanical integrity means they’re still decent drives, so long as you watch the back end in the wet...

BMW E36 3-Series Luxury Car

BMW E36 3-Series (1991-1998)

If the E30 were responsible for BMW’s success, its E36 successor cemented it. Compared to what went before, this was revolutionary, with perfectly proportioned styling that even today still looks fantastic. It used to be the low-slung coupe that looked best, but the chunky four-door saloon is starting to win more fans as the years pass. It was groundbreaking beneath too, debuting BMW’s famous Z-axle rear suspension that cured all the waywardness without diluting the fun. Smaller engines are underpowered but still sweet; buy a £3k straight-six 325i for budget entertainment you never thought possible.

BMW 3-Series Compact Luxury Car

BMW 3-Series Compact (1995-1999)

It’s easy to get a mid-‘90s BMW hatchback for under £2,000. It looks like the E36 saloon (even though suspension tech is more E30) and has a tidy, if underpowered, engine line-up. Aspects of the interior may, surprisingly, be low-rent and dated, but come on! This, or a Ford Escort. Which would you seriously prefer? The Compact is also a very significant model as it signalled BMW’s intention to become more ‘mainstream’, years before the 1-Series. It wasn’t an unbridled sales success but it nevertheless proved to those within BMW that they could do ‘budget’ cars without losing prestige. 1-Series and, arguably, MINI are the result.

BMW 528i Luxury Car

BMW 528i (1997-2003)

The best car in the real world? It was when it was launched back in 1997, and for keener drivers, it probably remains so, almost a decade on. Not only was it devoid of flaws, it did nearly everything so incredibly well, particularly for the driver. The handling was pin-sharp, steering beautifully weighted and the six-cylinder engine a purring peach that also returned good economy figures. That you can buy it for £3,000 is nothing short of incredible. Spend £4k and you’ve a car for life that we reckon outpoints the latest one for driver satisfaction.

BMW Z3 M Coupe Luxury Car

BMW Z3 M Coupe (1998-2003)

The Z3 M Roadster mated a sloppy chassis to a 3.2-litre M-tuned straight six. The results weren’t pretty. BMW engineers knew this so worked in their spare time to find a solution. Many burnt dinners later, out rolled the M Coupe, with stiffer bodyshell that looked utterly unique. A Z3 estate? It was superbly idiosyncratic, yet far better to drive – more accurate, more stable and less liable to leeriness. As a result, it reeks class today and still costs serious money. But what an investment in a car that fans will pay big money for in years to come.

BMW 7-Series Luxury Car

BMW 7-series (1995-2002)

Bond, driving a 7-Series, just didn’t look right. But YOU in a 7-Series, from just £2,500? (Yes, really – £2,500, for a 10-year-old one). Now that’s much more like it. You can indulge in 007-levels of goodies too, as all are stocked just as you’d expect a luxury car of the 1990s to be. Various engines, but such is the top-line 750i’s thirst, it often sells for the same as most-popular 728i straight-sixes. We’d be torn between them, but would probably go for the smaller-engine’d car as it’s more nimble and fun to drive. A scruffy old Scenic or some of these – which would the family prefer?

Mercedes SSK Classic Car

Mercedes SSK in the Ralph Lauren Collection

Regarded by many as the finest pre-war sportscar ever built, the SSK was actually designed by Ferdinand Porsche and was the ultimate evolution of the 'S' model line launched two years earlier. The S was itself a lower chassis version of the ‘K’ series cars and used a supercharged 6.8-litre engine. In order to go Grand Prix racing Mercedes needed a smaller, lighter car so they chopped 19 inches out of the chassis to create the “Super Sport Kurz”, the last word being the German for short. Much lighter than its 2.5 ton predecessors the SSK was used to devastating effect by greats such as Rudolf Caracciola, winning numerous competition events including the 1930 Grand Prix, thanks to a 7.1-litre supercharged engine producing 225bhp. The final model actually produced 300bhp and had holes drilled in its chassis to lighten the car in an attempt to keep it competitive.

300SL Gullwing Classic Car

300SL 'Gullwing' (1954)

Loosely based on the successful 1952 competition car of the same name, the 300SL was available as a convertible or a coupe with those now legendary 'gullwing' doors. These were necessary because of the car’s tubular chassis which ran through where the lower half of the door would be on a standard car, making it exceptionally stiff for its day but making entry and exit a feat in gymnastics. It was also the first production car fitted with fuel injection. The mechanical system from Bosch more than doubled the power of the three-litre straight six from 115bhp to 240bhp, making it more powerful than the original racer. Around 1400 were made, with the similar looking 190SL roadster outselling it by nearly eight to one until both were replaced in 1963 by the 230SL.

Mercedes 300SLR Classic Sports Car

Mercedes 300SLR (1955)

Stirling Moss and 'Jenks' in the 300SLR on the Mille Miglia

Despite the name this bore no relation to either Gullwing or the earlier racecar. It was essentially the 1954 Mercedes W196 Grand Prix car, its straight-eight engine enlarged from 2.5 to three litres and covered with a two-seater roadster body. It was in this form that a 300SLR won what is perhaps still the most famous race victory of all time. With a young British racing driver named Stirling Moss at the wheel, directed by co-driver Denis ‘Jenks’ Jenkinson, the 300SLR destroyed the opposition in the 1955 Mille Miglia, a non-stop 1000 mile race on public roads in Italy. Moss won the event at a scarcely credible average speed of 97.96mph. The 300SLR was withdrawn from competition when one crashed into spectators at Le Mans in 1955, killing 82 spectators. The shock of this horror stunned Mercedes, and it withdrew from racing, not to return until 1987.

Mercedes 230SL Pagoda Classic Car

Mercedes 230SL 'Pagoda' (1963)

Sorry if this list seems rather 'heavy' on SLs (meaning 'Sehr Leicht' or 'Sport Light') they can almost all be justifiably regarded as classics. The 1963 model was the first to sell in really significant numbers, shifting nearly 20,000 units between 1963 and 1971, many of them in the American market. With a 2.3-litre straight-six engine producing 170bhp the 230SL was good for 125mph and by using aluminium panels for the boot, bonnet and doors lived up to the 'light' bit of its name, at least in part. The car was available with a distinctively styled hardtop which gave rise to its nickname of 'Pagoda' SL. The engine was enlarged in 1967 to 2.5-litres to create the 250SL, which also gained rear disc brakes, and then again a year later for the 280SL, the biggest selling of all three variants.

Mercedes 600 Pullman Classic Car

Mercedes 600 Pullman (1963)

The 600 series was introduced in 1963 and intended by Mercedes to represent the pinnacle of automotive engineering. It actually took two years to put the massive car into production, the first ones being delivered in 1965. It was available as a conventional four-door saloon, a four or six-door limousine or even a landaulet with a folding roof over the passenger compartment. The car rode on air suspension to cushion its occupants and an enormously complex hydraulic system powered everything from self-closing doors to adjustable seats and air vents. The car was moved at surprisingly rapid pace by a 6.3-litre V8. It was in production until 1981 and famous owner include Chairman Mao, John Lennon, Leonid Brezhnev, Aristotle Onassis, Elizabeth Taylor, Hugh Hefner and even Elvis.

Mercedes C111 Classic Sports Car

Mercedes C111 (1969) record breaker

The C111 was a rare example of Mercedes letting its hair down and testing out some wild ideas. The original 1969 model used a mid-mounted three rotor Wankel rotary engine in an incredibly streamlined fibreglass body that produced a drag co-efficient of just 0.191. Of course being a Mercedes it featured a leather trimmed, air-conditioned cabin and gullwing doors made a welcome return. The following year it reappeared with a four-rotor, 350bhp Wankel engine and was reportedly capable of 180mph. Mercedes decided against rotary technology and the third iteration of the C111 used a 230bhp straight-five turbodiesel. With it Mercedes beat numerous diesel records, achieving 200mph at the Nardo high-speed bowl in Italy in 1978. Mercedes revived the name in 1991 for a road going supercar, the C112 but after taking 700 orders decided to kill the project.

Everbank Forever Service

Everbank offers online savings and checking accounts for the customer who wishes to have an online account. They offer many different services that provide you with one stop banking online. You have twenty-four hour access to your account from anywhere you may be at the time of viewing. The sign process is easy and fast with some initial investment and verification on your part. After determining the services that fit your needs and the available services you may be interested in, the application process is almost as easy. The process and the services add up to a great place to do online banking and savings account provide great interest rates, not offered at a local bank.

Services Offered at Everbank
Everbank offers checking online, check writing, which are free and bill payment on the web. Everbank offers you the service of viewing all your loans, credit cards, IRA’s and 401K plans, plus other investments online via their web site. This option allows you to view your finances and expenditures in one safe and secure place. With the state of art technology Everbank uses, your online experience protects against fraud and theft. Your personal information is always secure and only for your viewing. Interest compounded daily on your balance then added to your account once a month. Your money is insured and the safety offered from a secure web site finds peace of mind for the customer.

Outstanding Offers from Online Banking at Everbank
At this particular institution, you receive the convenience of viewing transactions by categories; sorted by income and expense. View your account payables, cash flow and a tax report. View a reconciliation report and use MS Money or Quicken to download all the information for future saving. The application process walks you through the sign up and helps you understand the terms and conditions. Once you make your initial deposit, you then receive confirmation that your account is established. Now the process allows you add other accounts to the screen in order to see all your accounts in one place. With the available debit card and checks, banking online has never been easier.

EmigrantDirect for the Best Service

EmigrantDirect calls the accounts American Dream Savings Accounts offering saving and security for all customers wanting an online savings account. You as the customer pay no fees of any kind to hold an account at EmigrantDirect. These accounts are for consumers only. You can open an online account online or by mail. After that, all transactions need to complete online. They provide you with automatic approvable if accepted and provide steps to complete the sign up process. This type of plan they offer also provides for scheduling of transfers from your main account into your online account. Transferring money back to your linked account will take approximately up to four days.

Other Services Offered By EmigrantDirect
CD accounts supplies you with a higher interest rate than a traditional savings account. EmigrantDirect also has a Platinum credit card available with a credit check. Your account is viable for three years without any activity, after that the account is closed. Of course, you should always read the terms and online account terms before setting up any account. This helps to protect you against possible problems. Terms always need to be established and you need to understand before committing to something that might not suit your needs.

The Setup and Approval
EmigrantDirect banking institution offers a free and secure online application process. Provided you receive approval and have the right credentials, the process should take no more than twenty minutes. Once your account receives verification with the two small deposits that HSBC deposits into your personal account the process is then fully complete and 100% functional. This protects you the customer and the bank itself.

Who Can Receive an Online Account from EmigrantDirect?
If you are 18 years or older, a United States citizen, with a personal bank account at another bank or credit union you can apply for a American Dream Savings Account. Perfect way to setup your account online with minimal confusion on the part of the customer leaves EmigrantDirect featuring fast and user-friendly services. Interest rates change daily and still compounded interest rates make an investment in an online account a real investment.

Washington Mutual for Your Service Needs

Washington Mutual offers free online banking with many; available services needed to fit with your financials without worry of theft or fraud. The web site declares their highest technology use to provide a safe and secure online banking experience. Online banking with Washington Mutual offers accounts details daily, transferring of funds accounts approved by the customer and the bank, downloading abilities to save your information on your computer or disk. Paying bills online and scheduling payments for future payments, they provide up to eighteen months of online payment history. Order checks, stop payments and change information on your accounts or if you need to talk to a representative, it is secure and safe. Sign up and see the account as soon as you receive approval from the automated response system.

Types of Account Offered

Apply for a loan or credit card from Washington Mutual, home loans and home equity loans available. Retirement, investment accounts, savings, and checking accounts along with Certificated of Deposit offered to the online customer. These types of accounts provide all your banking needs under one roof. Washington Mutual offers investment and Insurance services as well. Terms and disclosures discuss the specific terms for every type of account you may see a need for with Washington Mutual. If you have a need for other assistance, the customer service they offer is secure through email or on the phone. More reasons they profess the best choice for your banking needs.

Paying Bills Online

With an online checking and savings account with Washington Mutual, you pay bills anywhere and to anyone. You can schedule payments for a reoccurring payment plan, pay many bills at one time from one location and the service is free to any account holder. With the bill payment service, you need to schedule the bills for four days in advance of the due date, more if you wish. You have the ability to cancel scheduled bill payments before the deadline. This service provides you protection from overdrafts and banking relations. The options for bill payment and other services make Washington Mutual outstanding in the banking industry.

Citibank

Citibank offers many online services that provide fast and foremost safety. Bill payment services allow you to schedule payments and provides for permanent history of your accounts for future downloading to your personal computer. You can opt to receive email alerts and wireless alerts about your account. Choose to have a paperless bank statement since you can have and view it online. Savings accounts need no minimum balance depending on the type you choose. Citibank takes pride in their ability to provide safe and secure online banking for all of their customers.

Services Offers at Citibank Online

Checking accounts such as EZ checking offers no monthly fees with automated deposit or you pay two bills a month or average a balance of a certain amount. The basic checking account has a low fee and no balance requirements. There are four other checking services with different balance requirements. They offer e-savings and regular savings accounts, IRA and CD accounts and the best part is the overdraft protection. These services prove to benefit the customer and allow you many choices in the different types of accounts available with each service. The investment services allow you to plan your investments for short term or long term. The interest rates offered are comparable to other financial institutions.

Get the Application Process Done at Citibank Online

To apply for an online account with Citibank, you must be 18 years or older and a United States citizen or an alien resident. Have your social security number, driver’s license and an address. You will enter all your personal information required and then choose the type of accounts you desire. Read the term and conditions before sign any agreement, which is electronically accomplished. This is very important step when taking on an online account of any type. Make sure you sign up for the right checking or savings accounts with the right monthly balance requirement. Watch for the word combined balance and fine out exactly what this term means before selecting an account type. After the application process, you should receive confirmation of approvable or denial of your account setup.

ING Direct Orange Saving Account

ING Direct Orange Savings Account offers great opportunities for an online savings account for anyone who can deposit funds and follow the easy directions provided in a systematic guide to set the account up for a savings account. ING Direct Orange Savings Account opened online or by mail, but also over the phone if you prefer. The future of your account depends on the way you choose to setup the account. You choose the plan that best fits your needs and ING Direct Orange Savings Account charges no fees and has no minimum deposit requirements attached. You have found a place to open a secure and satisfying account you no worries of securities risks to your accounts and your personal information. Their technology withstands any infiltration that may be tried on their servers.

What does ING Direct Orange Savings Account Setup Require?

You are required to have another personal bank account elsewhere in order to setup an online savings account with ING Direct. Your online savings account links to your personal checking account to accommodate easy viewing and transferring of funds between accounts. Provide your personal information; deposit an amount from your personal checking account and your ready to begin saving money with an ING Direct Orange Savings Account. Many options become available to the customer when using ING Direct as a financial institute of choice.

What is some Options Offered by ING Direct Orange Savings Account?

At ING Direct, you can choose a savings account that offers an annual percent yield on your deposits. There are no fees or other charges associated with a savings account with ING Direct Orange Savings Account. Maybe you like the idea of a CD or Certificate of Deposit from ING Direct. This option offers customers with a term of six months to five years with a decent APY. Maybe your future sees a money market accounts or IRA accounts, ING Direct Orange Saving Accounts and the others, fully insured up to $100,000. ING Direct offers online demos along with current rates today. Other services offered at ING Direct provides for one stop banking needs.

HSBC Direct Online Savings Account

HSBC is an online account serving the needs of customers with online only services. The accounts offers higher inter rates to the account holder due the lack of paperwork and no yearly fees, so they provide a higher interest rate than your personal savings account somewhere else. HSBC is an online bank that offers three ways to start an account, online, by mail or by making a deposit at a HSBC automated transaction machine or otherwise known as the ATM. You can open an account very easy with the online form and enter all pertinent information needed. Find out the facts of how easy it is to open an HSBC account.

Opening an Online Account with HSBC

Opening an account can be single or a joint account. You will need a social security number and a driver’s license number if you have one or they will require another form of identification. They also ask for other loan or mortgages you have. This may turn some people off to the HSBC online account right away. They explain this as a way to verify your identity. You supply your bank routing number and account number to receive instant account funding. Once you complete the following steps, they notify you when you have approval or denial.

What Does HSBC Offer and Expect

The bank tells true of being highly secure with all the newest technology offered to protect your personal information and secure your accounts online. When you choose a transfer from bank to another bank, they may require more security information to protect your account. To open an online account with HSBC you need to deposit a minimum of $1. Your maximum amount of savings allowed is $2 million. HSBC provides a security measure to protect accounts from fraud by depositing two small deposits in to your personal bank account that need to be verified in order to make sure you are the bank account holder. After you finish all the steps needed to continue with an account, online HSBC you are ready to view and work with your money online at HSBC.

How Online Banking Works?

Find out how online banking works by looking around and reading article and informational articles about online banking. The bank supplies information brochures about the services and the convenience allowed to you, the customer with online banking. Choosing this type of banking has become a popular way for people to keep track of their finances instead of waiting until the end of the month and finding a surprise on the statement. Reconciling the bank records is easy with online banking. How online banking works for businesses is the same for personal users. You check your bank anytime of the day and see exactly what your available cash on hand is when planning a purchase.

Paying Bills

How online banking works with paying bills decides on the service you choose. Banks offer bill pay through the bank itself and there are online bill pay services available that have a reputable business as well. Pay bills online using your checking account, prevent late charges, and missed payments. This practical way of paying bills leaves more time for doing other things you may need to take care of instead of writing out so many checks.

Transferring Money

How online banking works for transferring money to one account to another is done by selecting the account and submitting the transaction for transfer. Another example would be if you have an account like Paypal you can transfer funds to your bank or request money from your bank. Paypal also allows you to send money to other people and pay bills as well. With all the options you have for transferring money, you will have plenty of time to plan other important things to do with the time.

Downloading Statements

How online banking works for downloading bank transactions is quite easy. This online aggregation process allows you to download to MS money or an online web based program. This allows you to have a copy of your bank statement right on your computer for tax time and allows you to select a category for every expense you acquire. How online banking works for this type of need is impressive to say the least.

Great benefits of Online Banking

The benefits of online banking allow anyone to have access to their accounts on a daily basis with the ability to transfer money between accounts. Another great benefit is the ability to download your monthly statement right to your computer. The other great benefit of online banking is the option to pay bills. Whether you need the service for paying bills or downloading the monthly statement, online banking fit the needs of the customers. Rely on fast and friendly service providers to provide an excellent way to achieve banking needs in your busy life right from your computer. You receive 24-hour service with online banking, which is another benefit of online banking.

Fast and Immediate

The benefit of transferring money from one account to another account immediately provides one with the benefit of never having an overdraft or returned check. This is also a good way to save money in a savings account and earn a little interest until you need the money to pay something else. The service is fast and accurate because you have control over what you are doing and when. Many benefits of online banking save you money in the long run, your not paying for gas or transportation fees and it is all done under you watchful eye.

Beat that Bill
If you need to pay a bill, your bank may have a bill payment option or you may choose to use an online bill pay service. These services avoid late payments by sending the payment through the mail. If you are a little short on cash, you can wait until the last minute to pay the bill safely. Scheduling a bill payment is offered online and then the money is withdrawn from your checking. Many places have automated phone services to pay a bill, but these sometimes come with a small fee of some kind. Therefore, the benefit of online banking suits the customer better for bill paying.

What is Online Banking?

What is online banking? Online banking is a way to control your bank accounts from your home computer. You can transfer money between your accounts and pay bills without leaving your home. If you have automatic deposit, which is what most people and companies prefer, the money directly deposited in your bank account provides no hassle banking. You can have work payroll check, social security check, unemployment check and tax return checks deposited into your account. Therefore, when you ask, what is online banking, one might say it is the easiest way to conduct business online.

What can you do Online?

Transfer money between accounts, pay bills through the bank or an online service, check account balances, stop payment on checks or bill payment, receive money from services such as Paypal and or transfer money to a Paypal account. What is online banking, when you have all the necessary options you need to take care of your personal and business needs that require daily attention? It is the ability to travel less to the bank and be able to observe your daily activity. You can apply for debit cards, change pin numbers and do address changes.

Who Benefits From Online Banking?

Everyone benefits from online banking services. The homemaker, the businessperson and the banks all share in the benefits of online banking. Banks offer the service as a way to provide even more quality services to the customer. Therefore, what is online banking? It is the most popular way to track expenses and pay bill on time without running around all over town, or having to apply postage to mailed bills.

Who Can Have Online Banking?

Anyone can have online banking as long as your bank offers the service and you have either a checking account or savings account or both. If you have a password and an account number, you can access your banking information from your home or work computer. The statement of “what is online banking” explained easily as being safe and secure as well for all your banking needs that require you to have access to your account on a daily basis.

New Online Banking Tips

In ancient-financial times (say, in the year 2000), banks began offering small business customers the ability to bank online — for a price. Sometimes a hefty price.

You can probably guess what happened next. Business owners responded with a resounding silence. The last thing most people needed was an "opportunity" to pay for something that had been free.

Well, banks seem to have gotten the message. Fees have dropped sharply or have been eliminated on many services. The online banking
offerings have increased. And more businesses are doing at least some of their banking online, lured by convenience, the ability to track their own financial activities online, and the potential of saving time.


"We're now seeing a lot more features and functionalities for small business owners to do more online and to manage their cash flow," says Matthew Lehman, senior analyst with Watchfire Gomez Pro, a research company focusing on financial services.

Among the online offerings becoming more common:

1. Check imaging: About 70% of the banks surveyed by Watchfire in 2004 were offering business clients the option of getting online check imaging. "For the small business customer, this is like having account-tracking capabilities," says Lehman. "Small business owners can use this capability to look at their accounts and see which checks have been deposited and accepted."

2. Deposit ticket review: Another online feature some banks are offering: deposit tickets. "If you are handling a lot of checks, this is a valuable feature because it gives you the ability to go back and see what you were depositing," says Lehman.

3. Coordination between accounts:

4. Electronic banking is part of the general move toward allowing integration between different bank accounts. Lehman says banks are making it easier for small business owners to link their business and personal accounts so they can make online transfers between accounts — rather than the old-fashioned method.

5. Payroll and other services: Virtually every online small business banker has a bill pay component, or the ability to schedule and pay multiple bills

6. at one time. "What you're seeing more of is the capability for businesses to conduct other types of financial activities as well," says Lehman. Among the options: Using online banking to pay suppliers, setting up direct deposits for employees, payroll services, payment of employment taxes and sending out payment in foreign currencies.

Making deposits from your desk Burt Davis, director of small business banking with Netbank in Alpharetta, Ga., says that his institution is trying to be a leader in online services for small businesses. Among the products in the works: a system that allows businesses to automatically collect payments from customers, and a way to allow business owners to make deposits without having to leave their businesses. "We'll have a device in your business office, and you'll be able to scan a check and electronically deposit the funds without leaving your business unattended," says Davis.

This type of feature is similar to what retailers like Wal-Mart have when they take a customer's check, electronically scan it, get authorization for an electronic-funds transfer, and then give the approved and voided check back to the customer.

The services now available and under development reflect financial institutions' increased focus on the needs of smaller business clients. "At first, banks took regular consumer offerings and set them up for businesses," says Lehman. "Then they realized that the needs of consumers are not the same as the needs of a small business, so now they are adding things that are more germane
to small businesses."

Banks may offer basic services, such as the ability to see your account history or to make transfers for free, and then charge extra for such goodies as wires, ACH, tax payments and so on.

Of course, anyone involved in commerce over the Internet has to be aware of threats from "phishers" and other frauds trying to break into individual and business bank accounts. Currently consumers who report an electronic funds transfer problem within two days are generally liable for no more than $50 in losses from their accounts. Business accounts, however, don't get the same protection. If you're victimized and the bank determines that your security (or lack thereof) led to the loss, you could be out of luck. Software and firewalls as well as other security measures are essential for anyone doing business on the Internet.

Most of the online banking services offer ways for business customers to link parts of their banking activities and record keeping with information logged into Quick books, Microsoft Money and other financial programs.