You want to make sure you’re getting the best rate on your savings, and this article will take you through the best options right now.
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Best savings account offers
Some accounts can be boosted by special offers, we’ll share the best here.
Get a £100 boost when you sign up with the code HELLO100 and deposit £10,000 by 30 September 2025
More details ▼
Additional Info
FSCS Protected: Yes
The effective rate assumes you'll leave the money saved in this account for 12 months. If you save more than £10,000 for this time, then the effective rate will decrease.
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Best easy access savings accounts
These are the most flexible accounts available, but as a result, you usually get lower rates. You can add and take your money out at any time. Some accounts may have limits to the number of withdrawals you can make each year.
Rate includes 1% bonus for 6 months on balances up to £85,000
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Additional Info
FSCS Protected: Yes, via one or more partner banks.
Bonus: The 4.48% rate is paid on the first £85,000. It then drops to 3.48% for the next £85,000 and so on. Rate includes 1% bonus for 6 months on balances up to £85,000
New Trading 212 customers get a bonus of 0.53% AER for 12 months
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Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes, but no bonus rate on transfers
Flexible ISA?: Yes
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Best current account linked easy access savings
Some of the best rates are in or linked to current accounts – or you might just want the convenience of having everything at the same bank (though that’s not always a good idea).
Anyone can open all of these accounts, though you will be credit-checked for opening the current account itself. They often have additional requirements or fees to consider. You may already have seen some of these listed in the easy and limited access lists above.
Interest earned in seperate savings account
Santander Edge Saver
AER (variable)
6.00%
Minimum
£0
Maximum
£4,000
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Additional Info
Requires Santander Edge current account (£3 monthly fee)
You can open one Edge Saver with a personal account and two Edge Savers with a joint account
4.65% gross variable. Includes 2.25% AER 12-month bonus on top of standard saver rate. Available to new current account customers joining from 9 June for your first 31 days. May be withdrawn. Interest paid monthly. T&Cs: chase.co.uk/saver-boosted
A notice account means you have to request to get your money and interest, which will be released after a set time. They often have a variable rate but if there’s a cut you’ll normally be given notice.
Six month notice
180-day notice
The Stafford Building Society
AER (variable)
4.61%
Minimum
£5,000
Maximum
£450,000
More details ▼
Additional Info
FSCS Protected?: Yes
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Best fixed savings accounts
You can fix your savings for a year or longer and get a slightly better rate in return. However, you need to be sure you won’t need access to that cash over that time. The longer you fix, the greater the risk you’ll lose out if rates were to rise. But at the same time, they’re protected if rates were to fall.
It’s worth noting too when longer fixes provide you with access to the interest. With most it’s at the end of the fix, meaning all that interest will count towards your personal savings allowance for the year you receive it.
Get a £100 boost when you sign up with the code HELLO100 and deposit £10,000 by 30 September 2025
More details ▼
Additional Info
FSCS Protected?: Yes
The effective rate assumes you'll leave the money saved in this account for 12 months. If you save more than £10,000 for this time, then the effective rate will decrease.
The prize rate for Premium Bonds stands at 3.6% from the August 2025 draw onwards. This doesn’t mean you’ll get 3.5% back on your savings, though the closer you are to the £50,000 maximum deposit, the closer you’ll get to the rate (on average). Here’s more.
Best children’s savings account
We’ve written in more detail about the different savings accounts for kids, so do check that article out to understand the conditions such as access and find all the top rates.
Best ethical savings account
The money you hold in your savings is used by the banks to invest and lend money. This could mean it’s used for things you might disagree with, such as fracking, tobacco or arms manufacturing.
There are banks with ethical policies such as Triodos, while building societies must lend 75% of their funds to home buyers, meaning they don’t have the cash to invest elsewhere.
Sharia accounts can’t be used for things against Islamic law, like tobacco or gambling and I’ve listed the top ones further down the article.
The “greenest” banks are Ecology Building Society and Triodos, though they won’t always make the tables above. The following banks and building societies are more likely to appear above.
There’s also the NS&I Green Bond, a 3-year fixed-rate account. It’s currently paying 2.95%. Here’s our analysis.
Top Sharia savings accounts
Paying interest isn’t allowed in Islam, so a Sharia-compliant savings account instead promises a return on the money saved – an expected profit rate. Though technically this means the rate isn’t guaranteed, it’s not happened yet. They’re open to everyone, not just Muslims. Money in these accounts won’t be invested in arms, tobacco, gambling or tobacco.
Look in the tables above for banks offering an expected profit rate rather than AER. The main banks are:
The best cash incentives available when you switch banks right now
We’ll update this page as new offers appear, though you should check the terms and conditions at each bank before you begin to ensure they haven’t changed.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
Top bank switch offers
£100 switch and up to £120 cashback and £120 hotel credit
Boosted Saver: Linked saving account for new Chase current account customers joining from 9 June available for your first 31 days. 4.75% AER (4.65% gross) variable, includes 2.25% AER 12 month bonus on top of the standard saver rate. Interest paid monthly. T&Cs: chase.co.uk/saver-boosted. Offer may be withdrawn at anytime. Chase current account: 18+, UK residents. Eligibility applies. 1% cashback on debit card spending on groceries, everyday transport & fuel for your first year. Max £15 per month. Exceptions apply. May be changed or withdrawn.
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Additional Info
Benefits: Zero fees from Chase when spending at home or abroad
Essential money management features
Fee-free current account
Provides 24/7 customer support
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Bank switching doesn’t need to be scary, and once you get the hang of it you can make some decent cash! Here’s everything you need to know to get started.
How to switch bank
You can switch bank for a number of reasons, but the main benefit is an effective cash bribe that banks offer to get you to choose them.
Here are some offers for when you’re heading out to the pub.
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Pub promotions
Birra Moretti: BOGOF pints
Until 28 September 2025, you can get buy one, get one free pints at pubs across the country. To get it, you need to go to the promotional site and enter your details, you’ll then be able to choose a location. You will get an email with a voucher to use at the venue.
You need to redeem the voucher while at the venue, as you only get 30 minutes to use it. You’ll have to pay for one pint of Birra Moretti, then you’ll get another for free. There needs to be two of you to redeem it.
Sign up to Brewdog’s loyalty scheme, Brewdog Treats, and get a free pint of any Brewdog draught beer as well as discounts and rewards to spend at the bar.
You’ll need to redeem the pint within 30 days and you can use it in all UK BrewDog bars apart from: Hull, Upminster, Edinburgh Waverley, Edinburgh Airport, Gatwick Airport, Belfast Grand Central.
Purchase a pint or a 330ml bottle of Birrificio Angelo Poretti and get a receipt
Take a photo of your receipt
Go to the website and fill in the form — you’ll need to provide your name, email address and mobile number, as well as the value of the purchase. It’ll also ask for bank details or PayPal details to receive the cashback.
The promotion ends at 23:59 on 31st August 2025 and you can claim back a maximum of £6.50
You can get two free ‘canas’ (basically half pints) at a selection of pubs across the country, although most of them are in London.
To get it, go via this link and select where you want to claim the offer. You’ll be sent a voucher to use. Don’t swipe it until you’re at the bar as it’ll expire after 30 minutes.
It ends 31 August 2025 and it’s one voucher per person.
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Free drinks via apps
These apps often have free drinks to claim.
Free drinks every day with Dusk
The app Dusk gives you a free drink each day at selected bars.
Just download the app and look for the bars participating. If you use the referral code AWEBB5 you’ll earn 500 reward points. I’m not sure they actually do anything right now, but there’s no harm in adding it to your account.
Smartphone app El Tab offers Londoners up to four free drinks every night of the week in different bars across the city. It usually costs £9.99 a week or £24.99 a month.
Mixr is an app that lets you search for, view menus at and book at any pubs and bars owned by Stonegate Pubs. You can also pay in the app and earn points.
Download the Green King Sport app to get 10% off orders during live sport. There’s also the chance to win more free drinks and prizes such as tickets to gigs, festivals and sporting events.
From Amazon vouchers and free trials of Amazon Prime to flash sales and tricks for free delivery
Let’s face it, Amazon is probably the one website that most people use pretty regularly, so it helps to have a voucher or discount stored up. Here are the best deals at the moment.
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There are some decent offers throughout the year to watch out for. You won’t be eligible for all of them but it’s worth a look.
It’s worth knowing that even if you’ve had a free trial in the past, it doesn’t mean you can’t get free or cheap offers o rejoin.
30-day free Amazon Prime trial every year
You know the drill here. You get free next day delivery, Amazon Prime Instant Video, access to Amazon Prime Now and loads of other goodies. It’s normally £95 a year but you can get a free 30-day trial.
You will hopefully be able to do this every 12 months, but it’s unclear if this is guaranteed for all customers. You can always try your luck (you never know), but if you’ve not yet taken out a trial, I’d wait until you’ve got a lot of spending coming up, or a big sale such as Prime Day or Black Friday.
If you’ve previously had Amazon Prime but aren’t yet eligible again for a second free trial you might be offered a week for 99p. After this you’ll pay full price unless you cancel.
Amazon Student and 18-22 year-olds: six months free, then £47.49 a year
If you have a student card you should also be able to join Amazon Student. This is essentially Amazon Prime. You get six months free, then 12 months at half price. Amazon might ask for additional proof you are a student. You’ll get the student account for as long as you’re a student or for up to four years.
If you’re between 18 and 22 then you can get this too, but you’ll need to prove your age with a valid driving licence or passport. You can get this account until you’re 23.
Snoop is an app to help you track your spending. It also analyses your bank date to suggest ways you can save money. Right now there’s an offer to get a £5 Amazon voucher.
You must go via the link below for the offer to track.
Once you’ve downloaded the app and signed up you need to connect a bank or credit card account and stay connected until the end of the following month. The voucher will then be paid.
Sign up for the new Amazon Barclaycard and you’ll get £20 in Amazon credit added to your Amazon account. This may even be more if you’re a Prime member.
You’ll also earn 1% at Amazon and 0.5% elsewhere, dropping to 0.25% after a year. There are double points during the Black Friday sale.
This one’s worth trying even if you’ve used a similar promotion. However you can normally only qualify once every couple of years. Check the offer is displayed when you click through. The latest offer we’ve seen offers £6 extra when you buy £60 in gift cards.
If nothing is displayed, it could mean it’s ended or you’re not eligible. These deals are often extended or return after a short absence.
Similar to the gift card promotion, here you top up your Amazon account and get some extra credit added. The promo value changes often, but it’s currently £5 when you add £60.
If it is running, it’s only for people who haven’t topped up their account in the last 36 months. Again, this deal can come and go, so it’s worth checking.
You might have personalised Amazon offers. It’ll show you trials and discounts you are eligible for. However, we still think it’s worth looking at the offers above and below in case they don’t show.
£5 off £15 (for some)
Click the button below to see if you’re eligible for a £5 off £15 spend promotion. You’ve 15 days from choosing to ‘activate the offer’ to take advantage.
There are lots of ways to save on Kindle books, but Prime members can also nab one of six titles every month for free via First Reads. There’s normally a mix of genres and once you pick your book you can send it to your Kindle.
Prime Day is Amazon’s big sale just for Prime members. This year, it ran from 8 to 11 July.
It’s important to remember that not all the deals are the best price. Some are simply old stock that needs clearing, while others are often as cheap throughout the year. We’d recommend using uk.camelcamelcamel.com to see the price history before making any purchase
And don’t get caught up spending money just because there’s a sale on. If you don’t actually need it, don’t buy it.
Most offers are product-specific, and we’d encourage you to check for price matching elsewhere, especially on tech like Echo speakers and Ring doorbells.
Prime Day: 8 – 11 July 2025 (ended)
Amazon is running its special four day sale for Prime members on 8 and 11 July 2025. The summertime deal event could offer the chance to grab a bargain ahead of larger autumn sales such as Black Friday.
It’s worth shopping around and seeing if you can get the same item for less elsewhere, or with added features. If you do buy something at Amazon and the price drops during the sale you can get a refund for the difference.
As always the biggest discounts are on Amazon’s own devices, such as Kindle, Echo, Fire, Eero and Ring. If you’re new to TopCashback you can get an additional £20 bonus plus up to 2.12% back on these devices. We’ll add some here once they launch.
This sale for Prime members took place on 8 and 9 October 2024. It’s pretty much a carbon copy of Prime Day. As soon as we spot any early offers, we’ll share them below.
As with Prime Day, don’t get carried away. Only buy the things you actually need, and check that they’re decent prices.
Don’t forget you’ll need to be a Prime member to get the offers – but we’ve listed deals above that’ll save you money or perhaps help you get it for free.
October’s Prime Big Deals Day sale (expired)
Amazon is running its special two-day sale for Prime Members on 8 and 9 October 2024. The autumn deal event could offer the chance to grab a bargain ahead of Black Friday and the Christmas sales.
It’s always worth shopping around and seeing if you can get the same item for less elsewhere, or with added features. If you do buy something at Amazon and the price drops during the sale you can get a refund for the difference.
Before the actual day, the offers are mostly on Amazon’s own products and devices.
Early offers include:
Discounts on Echo devices – 31% to 58% off.
Blink cameras and doorbells – 31% to 61% off
Fire TV – 28% to 62% off
Kindle Scribe – 24% off (just a few pounds off its cheapest price)
Amazon Music Unlimited – get 4 months free (usually one month)
discounts on branded gift cards, including Lego, Vue and One4All – details on our gift card deals page
All of the deals for ODEON, Vue, Cineworld, Everyman, Picturehouse and more!
In this article you’ll find all the latest cinema ticket deals and offers, starting with the ones you can’t miss, then some chain specific offers, and then a few more well worth a look.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
Top cinema offers
2-4-1 via Meerkat Movies for £1
One of the most popular cinema deals is Meerkat Movies. Once a week you can access a code to get buy-one-get-one-free tickets on a Tuesday or Wednesday. You can use this deal at most UK cinemas all year (though not Everyman or Curzon).
You can get six free ODEON or Vue tickets if you open a Club Lloyds bank account. You’ll need to deposit £2,000 into the account each month to avoid a fee, but that’s easily done.
At Vue cinemas, your vouchers also entitle you to half price popcorn. At ODEON cinemas, you can redeem your vouchers at ODEON Kids Screenings, which come with a free kids-size popcorn per ticket.
You can claim a free, standard ticket at any Vue in the UK every month. You can upgrade to a VIP, 3D, recliner or IMAX ticket but you’ll pay an extra fee.
You’ll need to use the code before the end of each calendar month, but it can be for a screening at a later date. Monzo Perks costs £7 per month and comes with a range of money saving benefits, including an annual Railcard and weekly Greggs freebies.
Whether you’re buying a full price ticket, or stacking with other offers featured on this page, you’ll save a little by using a discounted gift card.
Some of these are special offers at retailers like Tesco or Amazon where you save when you buy. When these are available we’ll share them as featured deals.
Others will learn you cashback on your gift card purchase, and these tend to run all year around via these apps:
There’s a good chance you can save up to 40% on cinema tickets via an existing membership or account – and if not, you could sign up as a new customer.
The likes of Tastecard, Mastercard and Lidl offer you access to a service called Cinema Society which sells reduced tickets for ODEON, Vue, Picturehouse, Showcase, Cineworld, Empire and other independent cinemas.
This can be a good way to save, but watch out as you might find your local cinema is cheaper itself when you buy direct! Or some of the other deals we’ve shared on this page could also work out better value.
In some cases you’ll need to pay for the initial membership, but others are free. Though you can find these in a number of places (check any work perk schemes for instance), here’s some of the more common ones you might have access to.
We’ve listed more offers, both specific to the different chains and across different cinemas, below, but these ones in particular are worth a look:
Everyman: 2-4-1 Wednesday with Times+
Escapes: free film preview tickets
ODEON ticket deals and offers
Don’t forget we may have featured some ODEON deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
ODEON: discounts and points via ODEON Extras
Deal expiry: Ongoing offer
Sign up for free to ODEON Extras scheme to earn points and other savings. You’ll get the following:
Tickets from £4.50 every Monday
A birthday treat (possibly a large popcorn and drink combo)
500 points on joining
25 points for every £1 spent
If you watch two films in three consecutive months you’ll get a free upgrade to ODEON Extras Plus. You’ll need to make another two visits every six months to keep at this level. Extras Plus will get you more and is still free:
50 points for every £1 spent
10% off tickets when you book online
An improved birthday treat
Invites to member screenings
Large popcorn for the price of a medium
You’ll need to earn a few points before you can use them. You’ll be able to swap as follows:
5,000 points for a £5 food and drink voucher
7,000 points for a standard seat ticket
10,000 points for recliner seat ticket
So you’ll need to spend £280 to claim that free standard ticket on the base level Extras membership! If a ticket costs £10, that’ll be 14 tickets.
Points will expire 24 months after they’re earned, so don’t forget to use them.
ODEON: two tickets for £10 for Amazon Prime members
Deal expiry: Ongoing offer
If you have Amazon Prime, you can get two standard tickets for £10 at ODEON, or two recliner tickets for £15 at ODEON Luxe.
This offer can be used once per month for screenings from Monday to Thursday. This price includes the £1 booking fee per ticket. Can be stacked with discounted gift cards.
ODEON: two tickets for £8 for Voxi mobile customers
Deal expiry: Ongoing offer
If you’re a Voxi Mobile customer, then you can get two ODEON tickets for £8 in its new monthly rewards scheme. You can choose to either get two standard tickets for £8 or two Luxe tickets for £13.
You can claim your tickets once each month by logging into Voxi Rewards.
ODEON: two tickets for £8 for Vodafone customers (+£1 booking fee)
Deal expiry: Ongoing offer
If you’re a Vodafone customer then you can get two ODEON cinema tickets every week with VeryMe Rewards. You can do this once each week for any film showing at any time.
Two standard tickets will cost £8, while two Luxe tickets cost £13.
You can also get four standard for £16 and four Luxe for £26.
The voucher can only be used on the same screening, so you couldn’t use it for one ticket at two screenings for example.
You’ll need to pay an additional £1 booking fee when using the voucher on the ODEON website, though this covers the whole booking. If you use it at the box office you won’t pay this extra charge.
To get it, you just need to tap on ‘Rewards’ in the Vodafone app and claim the offer.
Don’t forget we may have featured some Vue deals in our ‘Top cinema deals’ section above, including free tickets via bank accounts.
Vue: two tickets for £9 with O2 and Virgin Media
Deal expiry: Ongoing offer
If you’re a broadband customer with O2 or Virgin Media you can use the O2 Priority app for discounted tickets. You can get two Vue tickets for £9 every week or four for £18 to use on any day, at any Vue location. There’s also 20% off food and drinks.
You can get a new code at 10am each Monday and it’s valid until Sunday of the same week.
If you’ve got Sky Cinema, you can get two free standard Vue cinema tickets every month. The tickets can be used at any Vue cinema in the UK or Ireland, at any time Sunday – Thursday.
You’ll need the MySky app to get access to this offer, where you’ll find a code to use online and a QR code to use in the cinema.
There’s a limit to how many free tickets Sky gives out each month, so you may need to get in early.
Don’t forget we may have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
We’ve also details of Cineworld and Picturehouse memberships later on this page.
Cineworld: £4 tickets on 30-31 August 2025
On 30 and 31 August, you can get tickets to any film for just £4 for its Big Screen Weekend. You can get tickets for all films in all formats. Unlimited Members get free tickets to any format over the weekend, too.
Formats you can choose include IMAX, 4DX, ScreenX or Superscreen.
Cineworld has brought back its Family Films for £1 from 25 July to 28 August. You can get tickets for just £1 each to selected family films, starting with The Wild Robot from July 25 to 31.
Here are the showing at all cinemas:
The Wild Robot – July 25 to July 31
Sonic the Hedgehog 3 – August 1 to August 7
Moana 2 – August 8 to August 14
Paddington in Peru – August 15 to August 21
A Minecraft Movie – August 22 to August 28
And there are some films only showing at selected cinemas:
Mufasa: The Lion King – July 25 to July 31
Flow – August 1 to August 7
Transformers One – August 8 to August 14
Disney’s Snow White – August 15 to August 21
Dog Man – August 22 to August 28
You can see if your local cinema is showing the additional films on the website.
It’s £1 a ticket for both adults and kids, and the excluded cinemas are Dublin and Leicester Square.
Every week, Three+ customers can nab a code for a discounted ticket to use Friday to Sunday. Codes are available from Monday. It’s for 2D screenings only, though you can pay to upgrade.
Picturehouse Central and Picturehouse Fulham Road are excluded. You’ll pay a booking fee to redeem the code online, but it’s free to use in the foyer.
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Everyman cinema ticket deals and offers
Everyman offers are pretty rare!
Everyman: 2-4-1 Wednesday with Times+
If you subscribe to The Times, you’ll be able to get two-for-one tickets at Everyman on Wednesdays. You can get a one month free trial or £3 for 3 months then it’s a pricey £26 a month.
Don’t forget we have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
Santander: £5 off a ticket
If you have a Santander account you can access Cinema Society for discounted tickets via the free Santander Boosts scheme.
From 10 February, there are 3,000 £5 off vouchers, meaning you can pick up a ticket for Cineworld, ODEON, Vue, Showcase, Picturehouse, Merlin, The Light and more.
As of 1 April 2025 there were still vouchers available.
With Cinematik, you can get free tickets to select films for free. Each month, a film is voted to be screened and you can book to see it on a specific day. You can book a maximum of one ticket per screening. You also have the option to reserve an additional ticket for a guest, which they’ll need to confirm separately via a shareable invite link.
The cinemas taking part are mainly local independent ones, but there are Picturehouse and Reel cinemas included. There’s a full list of all participating cinemas on the Cinematik website.
Mubi is an online streaming service. For £11.99 a month you get a classic, world cinema or art-house flick to watch, with the curated selection adding a new film every day.
For an extra £7 per month you also get a free cinema ticket every week via the Mubi Go service. There’s a 7-day free trial and if you sign up for an annual membership, you’ll save 33%.
You typically won’t be able to watch blockbusters, instead there’s a specific new film every week. You can go to see that film once, and another film choice will be given the following week.
With many of the films being smaller, they’ll have limited releases, so if you don’t live in a big city there’s a good chance you won’t be able to take advantage every week as not all the films will be shown at all cinemas.
If you’ve got a Vitality membership, usually offered as a healthcare perk with employers, then you can nab yourself a free Vue or ODEON ticket once each month.
You need to earn Vitality points each month for tracking your activity, then just log into the website or app to generate your personal cinema ticket code.
Enter your code on the cinema’s website when booking your tickets.
You can buy a ticket from £5.60 to use for movies at Vue, Cineworld or ODEON with the entertainment site Fever.
The actual price you’ll pay varies by location. If you have a larger town or city close by, you could get a better discount by choosing a cinema there instead.
Again, do check you can’t get a ticket for less via a different offer before buying.
Here’s what you need to know about getting discounted tickets with Fever:
ODEON: you can get a standard 2D ticket at select cinemas in the UK. It’s not valid at Luxe locations or the Islington Luxe & Dine. If you want to upgrade to IMAX, 3D or recliner seats, you’ll have to pay extra.
You can use the voucher online via the ODEON website or app, but there’s a £1 fee per ticket. You can also redeem the voucher at cinema kiosks – but not at the box office. The voucher can’t be used for special screenings or events and can’t be combined with other offers.
Vue: you can get a ticket for a film either online or via the Box Office. Each voucher is only valid once and if you cancel your booking, you won’t get it back.
It’s not valid for premieres, special events or things like Mini Mornings or Scene screenings. With a Super Saver voucher, you can book general 2D seating, while VIP vouchers give more options, including recliners and 3D screenings (with an upgrade fee).
Cineworld: you can get a ticket for any standard 2D film, but if you want to upgrade to 3D, IMAX or 4DX you’ll have to pay extra (plus the cost of 3D glasses if needed). If you’re booking online, there’s a small fee added.
You can’t use this ticket for Event Cinema, special screenings, Movies for Juniors or ViP seats though, so check before booking.
ODEON: Family ticket – you can get adult tickets at child prices for the same film. You’ll see the option at check out for an adult and child combo ticket.
Vue: tickets for £2.49 – Vue Mighty Mornings are kids screenings on Saturday and Sunday mornings at 10am and every day of the school holidays.
Cineworld: from £2.50 – kids and adults pay the same price via Movies for Juniors.
Picturehouse: from £3.30 per ticket – kids’ Club screenings are shown every Saturday morning and prices depend on the cinema you visit. There’s also preschool specials, exclusively for preschool children and the adult goes for free. With the family ticket option, adults only pay kids prices. It’s for four people, at least two must be under 15 (e.g. two adults and two kids or one adult and three kids).
Cheap over 60s cinema tickets
Over 60s tickets from £3.50
ODEON, Cineworld and Picturehouse have cheaper tickets for over 60s (Vue don’t have anything on offer at the moment). Here’s our roundup of the deals:
ODEON: from £3.50 per ticket – ODEON Silvers has screenings during quieter times of the day with a selection of new releases or classic films. Tickets with standard seats are £3.50 when you book as a myODEON member online and £4.50 in-cinema. Standard seats are £4.00 when you book online as a guest and £5.00 in cinema. The price includes tea, coffee and biscuits, served before the film.
Cineworld: tickets for £4.50 – CineSeniors runs every Wednesday and you also get complimentary hot drinks and biscuits.
Picturehouse: discounted tickets – Silver Screen is a free-to-join club for over-60s. Members get a free tea or coffee at Silver Screen shows.
Memberships
These memberships could save you money on tickets – if you go frequently enough.
ODEON myLimitless: from £14.99 a month
Deal expiry: Ongoing offer
ODEON myLimitless is an annual membership that allows you to see as many films as you like in ODEON cinemas. You pay £14.99 per month or £17.99 for myLimitless Plus, which also gets you ODEON Luxe, seat upgrades and screen upgrades.
If you go via a cashback site, you could cut the cost even more. With TopCashback you can get up to £4.25 of the price back on your first payment. Plus, you could get a welcome bonus offer.
ODEON sometimes offer discounts on annual membership, and we’ll share them here when they run.
If you frequently go to a Cineworld, its Unlimited Card lets you go as much as you want (2D only). The minimum subscription is 3 months and starts at £10.99 a month, going up to £21.90.
Each cinema is bracketed into a group – the amount you pay depends on the group your cinema falls in. The Cineworld website has a full list of which cinemas are in which groups.
Group 1 cinemas – £10.99 a month
Group 2 cinemas – £16.99 a month
Group 3 cinemas – £19.40 a month
Group 4 cinemas – £21.90 a month
Members are also invited to preview screenings and get 10% off food and drink. If you continue your subscription for a second year, membership then includes 3D films and the food discount goes up to 25%.
There’s also a referral scheme where you get an extra month for free if you get a mate to sign up.
We’ll share any discounts on membership here when they’re available.
Picturehouse: free tickets and £3 off with memberships
Picturehouse memberships give you free tickets and discounts at any Picturehouse cinema. The free tickets are sometimes restricted to your member cinema so it’s best to save them for the weekends when prices go up.
There’s two tiers of membership – Member and Member Plus. The Member option gives you five free tickets and costs between £57 and £97 per year depending on the member cinema you join.
Member Plus gives you an extra card so you can split the costs with a mate or family member. You’ll get ten free tickets and it costs between £100 and £170 per year.
After the freebies you’ll also get £3 off our further tickets.
Members also get a 10% discount on food and drink, free previews, no online booking fees and occasional other freebies.
At certain points in the year there are discounts on memberships, and we’ll share them here if they’re any good.
There are a few options here, though the basic one (i.e. cheapest) allows you to take a friend for free on Mondays. You also get six free tickets for the £89 cost.
The next level up costs £325 a year, and comes with 24 free tickets. After this you can spend £680 and get unlimited tickets for two for a year.
For £65 (£50 concessions) you can get an annual “Classic” membership. This comes with five credits to use for free tickets or at home streams. You can use the credit to buy tickets for yourself and guests. There’s a further 20% discount for you and a guest on other tickets. You’ll also get 10% off drinks and snacks.
If you go to a Curzon a lot, there is a £285 “Cult” option. This annual membership gives you five free credits a week. Use them all and it’s just £1.10 a ticket! You can’t use the credits to get a ticket for a guest. If you want to pay monthly it’s £25 a month, but you’re still tied in for 12 months.
The Cult + membership doubles down with 10 free tickets a week (which are valid for events such as theatre and ballet screenings) and an additional cardholder. It comes in at £850 a year.
You can currently get 25% off a new Cineworld Unlimited subscription if you use the code UNLIMITED25 between 30 June and 13 July 2025. The price of a membership depends on the cinema that you’re signing up for and your subscription period.
You’ll also get 10% off snacks and 25% off at partner restaurants.
Tesco is selling Odeon gift cards with a 15% discount. You can use these to pay as normal for any ticket, including those which are discounted, such as using Meerkat Movies or the two for £10 voucher via Amazon Prime.
Get 20% off ODEON e-giftcards from Tesco until 22 December. The discount applies to e-giftcards valued between £5 and £25. These e-giftcards are valid for two years.
You can buy bundles of Vue tickets on Wowcher, either two, five or ten, and you’ll get them at a much lower price. Two tickets cost £9.50 – making it £4.75 a ticket. For five tickets, you’ll spend £22 (£4.40 per ticket), and ten tickets cost £40, making it £4 per ticket.
You can use the tickets for Standard 2D screenings, sitting in super saver seats.
You’ll have til 18 May to use the tickets, but check that your cinema is listed, as there are some exclusions, and some cinemas will charge you a £2 surcharge when redeeming it – check this list in “The Fine Print”.
To get it, go to Wowcher and search “Vue” to find the offer.
Cineworld: two tickets for £12.95 with Wowcher (expired)
Deal expiry: 31 March 2025 (though may be extended)
You can buy two Standard Cineworld tickets on Wowcher for £12, plus a £0.95 booking fee when booking the tickets.
You’ll have til 31 March to use the tickets, but check that your cinema is listed, as there are some exclusions. There’s an uplift fee for things like 3D screenings or IMAX. And be aware that you need to use them both at the same time.
To get it, go to Wowcher and search “Cineworld” to find the offer.
Earn extra cashback from TopCashback with these offers, including a welcome bonus
I’ve earned thousands of pounds through TopCashback and Quidco in the last 10 years – and that’s just by doing some normal shopping.
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New member sign up deals
I think the best welcome bonuses are the ones that aren’t linked to a specific retailer. These open-ended offers mean you can get cashback no matter where you shop.
There are sometimes other deals that will pay a similar amount but they are restricted to specific retailers or require a higher minimum spend (eg £30). I’ll share these below if they are better than the generic offers.
You can only get one new sign-up offer.
Free £20 bonus
You can get a £20 new member bonus. You need to spend £10 via one of the retailers listed on TCB to get this bonus (excluding takeaways). You must go via this link or the button below.
Read the full terms and conditions when you click through. The £20 bonus ends 30 September 2025.
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Existing customer deals
From time to time there are special bonuses you can activate. Often it’s £2.50 when you spend a tenner, though sometimes they are higher or linked to a specific type of purchase.
£5 bonus cashback on £20 gift card spend
Members can currently get a bonus of £5 with a £20 spend on gift cards via the TopGiftCards page. This includes supermarkets, so it’s a good way to save on everyday spending rather than buying a gift card for the sake of the saving.
You’ll be able to find the offer on the home page, where you need to activate the offer.
Then, you need to make a purchase by 23:59 on 2 September 2025. You’ll get the bonus as well as any cashback earned on the purchase (rates will vary by gift card).
So for example
Buy a £20 Tesco gift card with 2.5% cashback
Receive 50p cashback
Get £5 bonus
Save £5.50 (27.5%)
And if you don’t have TopCashback yet, don’t forget you can earn an extra £20 by signing up via our link – meaning you’ll make a profit!
Choosing the best student bank account is typically about finding the one with the best benefits, such as the size of the interest-free overdraft, then other things, like money management tools, freebies and what’ll happen when you graduate.
Here are the best bank accounts for students in 2025 and what they offer.
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How to choose the best student bank account
When choosing a student account, you typically want to focus on the size of the interest-free overdraft, despite freebies being tempting.
It’s also worth noting that most accounts are designed for three-year courses, so check the terms — especially for the overdrafts — if you have a longer degree.
When looking at your options, these are the key questions to ask.
How big is the 0% overdraft?
A 0% overdraft could be essential to help you get through your time at university. You won’t be charged any interest on the money in there, making them the cheapest way to borrow money.
Of course, you need to be careful about using it and not treat it as free cash as you will have to pay it back. You will generally have a few years after you graduate (and hopefully start working) to do this, but even so, don’t spend this money just because it’s available.
The lengths of 0% overdrafts change between the banks – and you might not even get the advertised amount. If the wording says the overdraft is “up to” that means you might not get the high sum mentioned in the adverts.
But it might be best not to go for the largest amount, as the bigger the overdraft the bigger the temptation to use it all. Instead, work out how much you think you’ll need to use and ask for that.
Plus, even if you think you won’t need one at all, it’s worth choosing a bank that offers one and applying for it at the start – you never know how things could change.
Some banks will also increase the size of overdraft each year, though you often have to ask. This means you can’t blow it all in the first year.
However, there could be conditions attached to having one of these fee-free overdrafts, so make sure you read all the T&Cs upfront. It could be something like pay in £500 every term.
There’s also the chance you could get rejected for the overdraft so check your credit file before applying. Most students won’t have much on their file, but it’s worth making sure there’s nothing wrong there.
And of course, if you spend more than your overdraft allows you may be hit with huge interest charges of around 40%.
What freebies are available?
Freebies typically come in the form of cash, although we’ve seen some accounts offer other things, such as subscriptions, including Headspace. Santander’s been offering a Railcard for years, a great perk if you’re moving further away.
Some of these could save you a fair bit of cash, if you’d have bought them anyway, that is. These should generally be a second deciding factor once you’ve looked at overdraft options.
It also pays to check how much these freebies would cost if you looked around for extra deals and discounts. Often the value advertised is much higher than you’d actually need to pay.
What happens after you graduate?
Banks go all out for your business as a student as they know there’s a good chance you’ll stick with them for the rest of your life – and that’ll make them money. You’ll usually be moved to a Graduate account with the same bank, but you don’t have to stick with them — you could choose a better graduate account or go for bank switching cash or other rewards. You can see the types of offers currently on offer here.
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The best bank accounts for students
Here’s our pick of the best accounts to get. You can only have one student account at a time, usually, but you can open up additional standard bank accounts on top.
You’re also able to switch from your student account to a new one if you want to change banks mid-degree. However with most, you’ll be subject to a credit check, so don’t apply for these too close to each other.
Perk: £100 cash, one of the largest overdrafts and top ethical choice
The Nationwide student account offers £100 if you open an account after 1 July 2025 and pay in £500 by 12 December 2025. You can’t have had a FlexStudent or FlexGraduate account on 30 June 2025.
This also has one of the largest overdrafts over the course of the degree (NatWest offers up to £3,250 and HSBC also offers up to £3,000). The overdraft builds gradually over your degree, stopping you from blowing it all in one go.
This is so far one of the best student accounts in 2025 due to its large interest-free overdraft and the perks. It’s a good choice if you’re worried about the ethics of your bank, too.
You’ll also be eligible for the Nationwide Fairer Share payment in the summer, which has been worth £100 a year for the last two years.
Nationwide FlexStudent
Overdraft
Up to £1,000 in year one; up to £2,000 in year two; Up to £3,000 in year three
Opening offer
£100 cash
£120 in Just Eat vouchers
An additional £20 in Just Eat vouchers when you refer friends (£40 cap)
An extra £20 in Just Eat vouchers if you are referred by a friend
Bonus paid
14 days after meeting criteria
Requirements
Open a new FlexStudent account no more than five months before and 12 months after starting your course
Deposit £500 by 12 December 2025 (for the bonus and vouchers)
Deposit £500 every term (for the overdraft)
Not had an open FlexStudent or FlexGraduate account on 30 June 2025
Up to £3,250 overdraft: Natwest or RBS Student Account
Perk: £85 cash and a 4-year Tastecard
The interest-free overdraft is up to £500 in the first term and then up to £2,000 after this. You can get up to £3,250 in the third year. By offering you an increasing amount, you’ll be able to budget more efficiently and reduce the risk of blowing it all in Freshers’ week.
New Trading 212 customers get an increase of 0.53% AER to 4.38% for 12 months
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Guaranteed overdraft: Santander Edge Student
Perk: Free 4-year railcard
The Santander Edge Student account offers a guaranteed £1,500 overdraft for the first three years, so it’s a decent option if you want certainty on how much you can borrow. If you study longer it increases to £1,800 in year four and £2,000 if you stay on for a fifth year.
You also get a free four-year 16-25 railcard, a nice option if you are likely to be travelling by rail a lot as it knocks a third of train fares but I’d opt for hard cash instead.
There’s also at least £20 to be won via a prize draw. More details in our full review.
Santander Edge Student
Overdraft
£1,500 in years one to three, £1,800 in year four, £2,000 in year five (if still studying)
Opening offer
4-year 16-25 Railcard & guaranteed £20 prize
Bonus paid
Within 5 working days you’ll get a code to redeem the railcard
It’s worth checking out these accounts too, some of them offer good overdrafts, but they mainly offer freebies. These might seem more attractive than 0% overdrafts, but if you do need to borrow, an overdraft is probably worth more.
If you’re really not bothered by an overdraft then it’s still worth nabbing one and putting that cash in savings.
Not announced in 2025 yet – in 2024, this was 1 year of Perlego
TSB
Student Bank Account
Years 1-3: Up to £1,500
5% interest on up to £500
Co-op
Student bank account
Year 1: Up to £1,400 Year 2: Up to £1,700 Year 3: Up to £2,000
None
How to get a student bank account
You have to be over 18 and living in the UK to get any student bank account, and most will require you to be at the start of your first year to get the freebie.
You’ll need to show ID such as a passport, driving licence or birth certificate. You’ll also need to bring along proof of your acceptance to the uni or college – possibly your UCAS letter or university acceptance letter.
You don’t need to wait until you get to your university to open the account, so doing it now before you head off means you can get your bank card and PIN sent out and your online banking set up in advance.
Can I have more than one student account?
Most of the time you can only have one “student” account, this is usually laid out in each bank’s T&Cs – you’ll likely not get the perk or overdraft if you try and attempt it.
You could potentially open one of these accounts to get the freebie, then close it down and open up another one (or switch it). You’ll need to do this within the stated timeframes to get any perks, and it’s worth double-checking the T&Cs of each account to make sure you’re allowed.
There’s nothing stopping you from opening another bank account that’s not got the “student” perks – keep reading for more on these.
Can I switch my student bank?
You can switch your student bank account to any other account of your choosing, whether that’s another student account with another bank or a standard current account. This is as long as the bank is part of the Current Account Switching Service.
In some cases, this can get you an extra perk, so it could be worthwhile.
If you want to switch after you’ve graduated, this is possible too, just be careful about trying to switch if you’re overdrawn, as you may wind up paying overdraft fees.
Can I earn interest on my savings?
Though some of the student accounts will offer interest on money in the account, they are quite limited and not a reason to pick one account over another.
However, if you think you’ll have more money available or don’t think you’ll need to use all of your overdraft, then you could look at other savings accounts.
Just be careful not to lock it away if you think you’ll need to access your savings.
Could you stooze your overdraft?
Stoozing is where you borrow money at 0% and put that cash into savings. Normally it’s via a specialist credit card – but you don’t need to do that when you have an interest-free overdraft.
To take advantage you simply transfer the money from your current account to a top-paying savings account. Putting £1,000 into a 4% paying account will earn you £40 in interest in a year.
If you’re confident you won’t need to use the money at all then you can get higher rates by fixing your savings.
If you do this, make sure you have enough cash in the bank to cover your everyday spending.
Alternative to student accounts
The bulk of the specialist student current accounts will have perfectly decent apps. But if you want one that’ll help you budget or have more advanced features you’ll want to look at digital banks Starling, Chase or Monzo.
They have a number of features that will help you do things like keep track of your spending, split your money by purpose (e.g. bills, going out, groceries) and it’s also a lot easier to set alerts for when your balance is getting low.
However, none of these offer specific student accounts and therefore don’t have a 0% overdraft. Instead, they could be a good secondary account alongside a high-street bank, getting you the best of both worlds.
I suggest using one of these as your day-to-day bank or everyday spending, transferring over a set amount to spend each week from the student account with an overdraft.
They’re also decent bets for spending abroad, whether studying overseas or on holiday.
You don’t have to stick with just a student account. You can open one with other features at another bank to use in addition.
This streaming service from Disney has increased prices twice in a year and cracked down on password sharing – but there are still plenty of ways to save.
We’ll share the best ways to pay less when we spot them, including special offers, free trials and discount codes.
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Disney+ price
Sadly there’s no free trial for Disney Plus. Though a seven-day trial was initially available, you’ll now need to pay to access the service.
You can pay monthly (and cancel at any time) for three of the options ranging from £4.99 with adverts, £8.99 for the “standard” option and £12.99 for “Premium”. The latter two tiers can also be paid for annually for a small discount.
You now have to pay between £3.99 and £4.99 a month to share your account with one other household. We’ve explained all in our guide to how Disney+’s Extra Member will work.
Disney plus offers
One year free via Lloyds
This was our top way to get Disney+. The Club Lloyds current account is giving away a year of Disney+ as one of the Lifestyle Benefit freebies.
Sadly, since 1 November 2023 the included tier is Disney Standard with Ads – and there’s no way to upgrade it to a different option at the moment.
Not only is this worth less than before (£59.88 a year rather than £89.90), but you’ll have to watch adverts.
It’ll take a month from opening the current account until you will get access to the service.
Users of Quidco and TopCashback can get cashback when they take out a year-long subscription to Disney +. You’ll still pay the full £89.90 for the Standard package but you’ll get £10 paid back into your account with Quidco and £7 with Topcashback.
Even better, if you’re new to Topcashback or Quidco you can also get a £20 sign up bonus, too.
Andy’s analysis – is it worth paying for a year upfront?
If you know you want Disney+ all year round (hello anyone with kids!), the annual pass discount and potential cashback bring the price down.
But it’s worth thinking just how often you’ll actually watch it. Do you only want it for the big Marvel and Star Wars TV shows? If so, maybe you only need to get it when these are released.
And if you can cut Disney+ for at least two months a year (more if you get the cashback), then it’s exactly the same cost to go for the monthly price. So every month on top that you don’t subscribe you are saving cash.
Of course you do need to remember to cancel and not let it keep rolling over month to month.
Clubcard: 50% off
Swap £13.50 in Clubcard vouchers for three months of Disney+ Standard, which would cost £27 at full price.
There’s a cheaper option for Disney+ with Ads, which requires £7.50 in Clubcard points for three months, worth £15.
If you’re on a pay-monthly refresh tariff or a SIM-only 12 or 18 month contract, then you can add any Disney+ tier to your mobile plan (so you’ll pay alongside your bill) at full price.
But you’ll get £2 credited to your bill every month, effectively meaning you’ll pay £6.99 a month for Standard and £10.99 for Premium.
That’s a decent saving each month, however, there is a minimum term of six months.
And if you keep it for a full year, then the savings are smaller as you need to compare them to the discounted annual plans. Versus the annual Premium plan cost of £129.90, the total saved will be £10.02. For Standard it’s a saving of £6.02 a year versus the annual cost of £89.90.
You can get this offer until 30 September 2025. It’s not available for existing Disney+ subscribers but isn’t specifically for new ones, so you could cancel and then sign up through O2 to get the discount.
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Up to six months free with O2
If you’re new to O2 or upgrading then you can claim either one, three or six months of Disney+ for free. This can be a great way to save, but you need to make sure you can’t get a cheaper SIM-only deal elsewhere.
This “Extra” is only available on certain deals, and most of the time O2 SIM deals are more expensive than elsewhere.
However, sometimes you can find a bargain via a comparison site. For example, a two minute search found 10GB of data for £10 a month via MoneySuperMarket, which comes with three months free Disney+.
So you’d pay £120 a year for your phone tariff, get three months free Disney Premium, then (via a deal listed above) get £2 off the Disney+ for the next nine months (and beyond) costing just under £59. There’s also currently £8 cashback via TopCashback for SIM-only deals at MoneySuperMarket. This means you’d pay just under £153 for your SIM and Disney+ for one year.
Let’s compare this to an alternative deal. You can often get 15GB for under £7 a month so the total for 12 months of your phone is £84 before any cashback or other deals. A year upfront for Disney Premium would be £129.90.
So in total, you’ll pay at most £183.90 this way – which is more expensive than the O2 deal. Though of course that’s assuming you don’t use the other deals listed here to reduce that Disney+ cost.
Disney+ with Ads: four months for £1.99 a month (ended)
For a limited time, new and returning Disney+ users can get a four-month subscription for £1.99 a month, so you’ll save a total of £12 versus full price.
After the four, your subscription will auto-renew to the Disney+ with Ads price of £4.99. So be sure to set a reminder to cancel your subscription if you don’t plan on paying.
You’ll need to sign up by 30 June 2025 to get this offer.
There’s a way for new Disney+ users to get a huge discount, by combining four different offers. Not everyone will be eligible for each step.
Join a cashback site as a new member with our special offers to boost the value. Right now you can get £24 from Quidco when you subscribe to the Be Clever With Your Cash newsletter and £20 with Topcashback when you spend £10
Activate cashback offer on participating bank cards, such as American Express or Monzo, for 15% off the full price (potentially capped at £11.99)
This could help you make some decent savings. For example, if you sign up as a new Quidco member it would bring the price of the annual Standard membership down from £89.90 to under £56, before earning cashback on your card.
Details on all these separate offers are below too.
If you sign up to an annual Uber One pass at £49.99, you’ll get a free year of Disney+ Standard, worth £89.90 at full price (already a £39 saving on the annual cost). The deal ends on 23 May 2025.
If you’ve not signed up to Uber One before, you might be offered the first four weeks free, but you’ll have the option to choose annual payment after the trial.
However if you’ve previously taken the Disney+ offer from Uber you won’t be able to get it again until 14 months have passed.
You’ll also get discounts on Uber rides and Eats. Here’s more in our Uber One review.
Alternatively, if you don’t want a year of Uber One or Disney, you can get the advert supported tier with the pay monthly Uber One. This costs £4.99 a month, so you’re effectively paying the same as going direct to Disney, but you’ll get the extra Uber features.
It’ll renew with Disney at £4.99 a month once the six months is over, on top of the £4.99 fee to Uber One.
New Trading 212 customers get an increase of 0.53% AER to 4.38% for 12 months
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Disney plus deals via banking cards
It’s worth checking apps for your debit and credit cards to see if there’s a discount on Disney+.
15% off with American Express
If you have an Amex card then check the offers tab in your account to see if you can add a deal to save 15% on Disney+.
You’ll need to activate the offer in the app first. The offer comes and goes with different expiration dates, and you’ll get the discount on all transactions that are on your card in that time.
Digital bank Monzo regularly offers customers 15% back when you spend at least £79.90 – so effectively it’s one of the two annual plans.
You’ll need to activate the offer in the app and pay with your Monzo card. It comes and goes, so if it’s not there, check when offers refresh each week.
Plus Disney+ newbies can stack this with the Quidco or TopCashback offer mentioned above and it brings the annual Standard price down.
The multi-bank app Curve is offering 15% off Disney+ until 19 March 2024, though it could well return or be extended.
You’ll need to activate the offer in the app and pay with a card connected to Curve and spend at least £4.99. The biggest discount you can get is £11.99 (if you pay upfront for a year of standard at £79).
If you have access to Santander’s Retailer Offers via a current account or credit card, you might see an offer earn 15% cashback on Disney+.
It says it’s on new purchases, though I reckon you’d get the money even as an existing customer. It’s certainly worth a try if you are already paying. Premier Access payments are excluded.
The offer comes and goes and the most you can earn is £7.99 (so that’s really only 10% off the annual price).
Which Amex credit card will earn you the most cashback or rewards in the UK in 2025?
There are a number of different American Express cards, so which is the best?
In this best buy guide, I’ll take you through my top picks whether you want to get your first card or change the one you already have.
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The best American Express for welcome offers
There are a number of great welcome bonuses from American Express that could earn you more than £100 extra in your first few months. They are often boosted too, making them even more profitable.
Importantly you can only get these offers (on most cards – more on this in a bit) if you’ve not an an Amex in your name in the last two years.
Each offer also comes with a spending requirement to trigger the bonus, so make sure your normal spending will fit this.
The best first Amex card welcome offers
To keep you eligible for additional welcome bonuses, I’d actually only consider one of these two cards, even though you’ll earn less from the bonus. They rarely have boosted welcome deals so I’d go for them at any time.
If you aren’t going to later for a second bonus with the Amex Platinum then you could also consider the Amex Preferred Rewards Gold – though I’d wait until it’s boosted.
1 Amex Reward point per £1, bonus points for every £5,000 spent (= 0.5% to 0.75%)
Additional Amex welcome offers
After the Nectar or Platinum Cashback, there’s the chance to get another boosted offer on both the British Airways American Express Premium Plus (as long as you’ve not had either BA Amex card in the last two years) and the American Express Platinum credit cards (as long as you’ve not had the Preferred Rewards Gold or Rewards cards in the same time). I’ve written in more detail about this multiple Amex welcome offer hack here.
However, these cards come with big fees and the bonuses have large spending requirements, so I’d wait until they are boosted and you can earn more points.
If you are a member of Vitality health or life insurance then you will also be eligible for a £100 statement credit when you spend £2,000 in the first three months, even if you’ve got any other Amex.
Here’s what you could be looking at based on increased sign-up offers that have run in 2024.
Card
Fee
Most recent boosted welcome offer
Potential condition
Total value
Ongoing cashback rate
British Airways American Express Premium Plus card
So what do you do once you’ve got bonus (or bonuses) and you’re faced with a fee at the start of the second year? Well, I’d be looking to ditch that card and find an alternative.
But the headline cashback/reward rate isn’t the only thing to consider. You need to take into account whether there’s a fee or minimum spend. And you also need to decide how you want to receive your money back – as cash or points?
Depending on which card you went to for your first card (the Nectar or Cashback), I’d actually then get the other one next or look at the Amex Preferred Rewards Gold which is free in year one.
But after the first year on each of these, the annual fees on all three will eat into your cashback earnings.
But if you want to keep an Amex, then there’s the Amex Rewards card or BA Amex which are both always free. Just don’t get these (or the Gold) if you haven’t yet claimed those additional Platinum and BA Amex Premium Plus welcome bonuses.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Nectar
Free in year one, £30 after
2 Nectar points per £1
1%
Cashback
£25 (first year can be covered via referral link)
Up to 1.25% cashback (paid on year anniversary)
0.75% on first £10,000, then 1.25%
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
0.64% to 0.75% if you spend at least £5,000
Reward
Free
1 Amex Reward point per £1
0.5%
British Airways American Express
Free
1 Avios point per £1
0.5% (if converted to Nectar)
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Best Amex for extra offers
There’s a final category to consider when choosing your Amex – are there extras that come with the card? And if so, how much will they cost?
This table shows the main additional card benefits you might want to take advantage of.
Amex Card
Key additional benefits
Annual fee
Preferred Rewards Gold
2 x £5 Deliveroo credit every month 4 Priority Pass airport lounge visits each year
£195
Platinum
Worldwide family travel Insurance £200 UK dining credit each calendar year (£100 every six months) Airport lounge access all year
£650
British Airways Premium Plus
BA Companion voucher if you spend £15,000 each year (lasts 24 months, and valid in all classes)
£300
British Airways
BA Companion voucher if you spend £15,000 each year (lasts 12 months, and only valid in economy)
Free
I wouldn’t keep the Gold card once the fee kicks in after the first year. I’d also avoid the Platinum after the year which includes a welcome bonus.
It’s a harder call with the BA cards. If you opt for the free BA card, it’s only valid for 12 months and only in economy, which might make it hard for you to find a flight you want to use as tickets are released 12 months in advance on the BA site, so you could well miss out on big destinations.
The Premium Plus voucher lasts longer, but you will be paying £300 to get it. From my experience it’s hard to get that back on economy flights, so you’d want to aim for Business.
But, to use a 2-4-1 Companion voucher you need to have enough Avios points to pay for the first flight AND you have to pay for taxes and fees on top. If that’s unlikely then neither are worth it. And you also need to weigh up whether you’ll be able to get a cheaper flight shopping around.
Best Amex to protect your Amex Reward points
If you decide to cancel the Platinum card at the end of your first year, make sure you protect any Amex Membership points linked to it before doing so. You’ll need to swap them or open up a different Reward card to ensure you don’t lose them.
There are two options here. The Reward card and the Preferred Reward Gold card. Remember, do not open up either of these cards before the Platinum if you think you’ll try for the boosted welcome offer on that card at some point.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
New Trading 212 customers get an increase of 0.53% AER to 4.38% for 12 months
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
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Best Amex for 2-4-1 flight vouchers
Two American Express cards can earn you British Airways companion vouchers. However, don’t get the free BA Amex card before the BA Amex Premium Plus if you want to try for the higher welcome offer with the latter card detailed further up this article.
With the Premium Plus you’ll need to spend £15,000 in the first year you’ll get a BA Companion voucher. This gets you 2-4-1 flights or an upgrade and is valid for two years and in all flight classes. Remember there is a £300 annual fee.
But after this year you have two options. If you cancel completely you won’t lose your Avios as they’ll have been added to your British Airways Executive Club account. This resets the clock to enable you to (potentially) get another bonus in two years time.
Or you can downgrade to the free BA Amex easily via a call or live chat and this will mean you keep an Amex without a new credit check.
If you choose to keep spending on it you still need to hit £15,000 in a year for a BA Companion voucher to use in economy class, valid for a just one year.
With both companion vouchers, bear in mind you need to have enough Avios points saved up to cover the cost of one ticket before adding the 2-4-1 voucher, and you still pay tax and fees on both tickets.
