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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 Jh4wG4Z5MXZOe4FS0PS37hJsxM0dvYCGdqOD02JHGW4NHWkrp812Ivt6KkeqSye7
 9dWMTHFYIr5Ew4hVKhhH0A==

<SEC-DOCUMENT>0001181431-03-027147.txt : 20031022
<SEC-HEADER>0001181431-03-027147.hdr.sgml : 20031022
<ACCEPTANCE-DATETIME>20031022082110
ACCESSION NUMBER:		0001181431-03-027147
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20031020
FILED AS OF DATE:		20031022

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			GRAYSON BRUNS H
		CENTRAL INDEX KEY:			0001204899

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-25681
		FILM NUMBER:		03950806

	BUSINESS ADDRESS:	
		STREET 1:		ABS VENTURES
		STREET 2:		1 SOUTH STREET
		CITY:			BALTIMORE
		STATE:			MD
		ZIP:			21202

	MAIL ADDRESS:	
		STREET 1:		ABS VENTURES
		STREET 2:		1 SOUTH STREET
		CITY:			BALTIMORE
		STATE:			MD
		ZIP:			21202

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BANKRATE INC
		CENTRAL INDEX KEY:			0001080866
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		IRS NUMBER:				650423422
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		11811 US HIGHWAY ONE
		STREET 2:		STE 101
		CITY:			N PALM BEACH
		STATE:			FL
		ZIP:			33408
		BUSINESS PHONE:		5616277330

	MAIL ADDRESS:	
		STREET 1:		11811 US HIGHWAY ONE
		STREET 2:		STE 101
		CITY:			N PALM BEACH
		STATE:			FL
		ZIP:			33408

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ILIFE COM INC
		DATE OF NAME CHANGE:	20000329

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTELLIGENT LIFE CORP
		DATE OF NAME CHANGE:	19990301
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>rrd20677.xml
<DESCRIPTION>OCTOBER 2004 FORM 4
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument>
    <schemaVersion>X0201</schemaVersion>

    <documentType>4</documentType><periodOfReport>2003-10-20</periodOfReport><notSubjectToSection16>0</notSubjectToSection16>
    <issuer>
        <issuerCik>0001080866</issuerCik>
        <issuerName>BANKRATE INC</issuerName>
        <issuerTradingSymbol>RATE</issuerTradingSymbol></issuer><reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001204899</rptOwnerCik>
            <rptOwnerName>GRAYSON BRUNS H</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>225 FRANKLIN STREET</rptOwnerStreet1>
            <rptOwnerStreet2>25TH FLOOR</rptOwnerStreet2>
            <rptOwnerCity>BOSTON</rptOwnerCity>
            <rptOwnerState>MA</rptOwnerState>
            <rptOwnerZipCode>02110</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
            <reportingOwnerRelationship>
<isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common stock</value></securityTitle><transactionDate><value>2003-10-20</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved><footnoteId id="F1"/></transactionCoding><transactionAmounts><transactionShares><value>262490</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>0</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Note 2</value><footnot
eId id="F2"/></natureOfOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeTransaction><securityTitle><value>Common stock</value></securityTitle><transactionDate><value>2003-10-20</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>J</transactionCode><equitySwapInvolved>0</equitySwapInvolved><footnoteId id="F1"/></transactionCoding><transactionAmounts><transactionShares><value>38401</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>38401</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Common stock</value></securityTitle><postTransactionAm
ounts><sharesOwnedFollowingTransaction><value>789330</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>Note 3</value><footnoteId id="F3"/></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><derivativeTable><derivativeHolding><securityTitle><value>Director stock option</value></securityTitle><conversionOrExercisePrice><value>3.90</value></conversionOrExercisePrice><exerciseDate><value>2003-12-31</value></exerciseDate><expirationDate><footnoteId id="F4"/></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>5000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>5000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></
directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Director stock option</value></securityTitle><conversionOrExercisePrice><value>2.39</value></conversionOrExercisePrice><exerciseDate><value>2002-12-31</value></exerciseDate><expirationDate><footnoteId id="F5"/></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>25000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>25000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding><derivativeHolding><securityTitle><value>Director stock option</value></securityTitle><conversionOrExercisePrice><value>13.00</value></conversionOrExercisePrice><exerciseDate><value>2003-05-01</value></exerciseDate><expirationDate><footn
oteId id="F6"/></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common stock</value></underlyingSecurityTitle><underlyingSecurityShares><value>20000</value></underlyingSecurityShares></underlyingSecurity><postTransactionAmounts><sharesOwnedFollowingTransaction><value>20000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeHolding></derivativeTable><footnotes><footnote id="F1">ABX Fund, L.P. distributed all of its shares to its partners for no additional consideration. As a result of this distribution, I received 38,401 shares of Bankrate, Inc.</footnote><footnote id="F2">Represents the entire holdings of ABX Fund, L.P. I am the managing member of Calvert Capital II L.L.C., the general partner of ABX Fund, L.P. I disclaim beneficial ownership of all shares in which I do not have a pecuniary interest. The filing of this report shall not be deemed an admission
 that I am the beneficial owner of such shares for purposes of Section 16 or for any other purposes.</footnote><footnote id="F3">Represents the entire holdings of ABS Ventures IV, L.P. I am the managing member of Calvert Capital L.L.C., the general partner of ABS Ventures IV, L.P.. I disclaim beneficial ownership of all shares in which I do not have an actual pecuniary interest. The filing of this report shall not be deemed an admission that I am the beneficial owner of such shares for purposes of Section 16 or for any other purposes.</footnote><footnote id="F4">January 2, 2013 unless terminated earlier pursuant to the Bankrate, Inc. 1997 Equity Compensation Plan.</footnote><footnote id="F5">October 29, 2012 unless terminated earlier pursuant to the Bankrate, Inc. 1997 Equity Compensation Plan.</footnote><footnote id="F6">May 13, 2009 unless terminated earlier pursuant to the Bankrate, Inc. 1997 Equity Compensation Plan</footnote></footnotes><ownerSignature><signatureName>Bruns H. Grayson</signatureName><sig
natureDate>2003-10-22</signatureDate></ownerSignature></ownershipDocument>



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