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.
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.
Includes bonus of 1.37% if kept for 12 consecutive months
More details ▼
Additional Info
If you transfer in an existing ISA, you won't get the bonus so your rate will be 3.04%
Rate shown for new customers only. Interest on Plum's Cash ISA varies - this is the rate on 8/08/25. ISA rules apply. Includes a bonus rate of 1.37% AER if kept for 12 consecutive months. Cash ISA T&Cs apply. Plum is not a bank.
After four withdrawals or when your balance drops to less than £100, your rate drops to 3.04%
Tax treatment depends on your personal circumstances and is subject to change
Flexible ISA?: No
FSCS Protected?: The FSCS protects up to £85,000 that you have saved, per bank, building society or credit union (or up to £170,000 for joint accounts), subject to eligibility. FSCS protection applies differently
Bonus: Includes 1.37% bonus if kept for 12 consecutive months (no bonus paid for transfers in)
Allows transfers in: Yes
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Full access
Limited balance
Cahoot Sunny Day Saver
AER (variable)
5.00%
Minimum
£1
Maximum
£3,000
More details ▼
Additional Info
FSCS Protected?: Yes
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Cahoot Simple Saver
AER (variable)
4.55%
Minimum
£1
Maximum
£500,000
More details ▼
Additional Info
FSCS Protected?: Yes
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Cynergy Bank Online easy access account
AER (variable)
4.45%
Minimum
£1
Maximum
£1m
Includes 2.19% bonus for 12 months
More details ▼
Additional Info
FSCS Protected?: Yes
Bonus: Rate includes 2.19% bonus for 12 months
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Kent Reliance
AER (variable)
4.41%
Minimum
£1
Maximum
£499,999
More details ▼
Additional Info
FSCS Protected?: Yes
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Limited access
West Brom Building Society Four access saver
AER (variable)
4.55%
Minimum
£1
Maximum
£500,000
Max withdrawals
4
More details ▼
Additional Info
FSCS Protected?: Yes
Rate drops to 1.9% if five or more withdrawals are made
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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
More details ▼
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
4.89% 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.
Three month notice
95-day notice
RCI Bank
AER (variable)
4.70%
Minimum
£1,000
Maximum
£1m
More details ▼
Additional Info
FSCS Protected?: Yes
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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.
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:
We update this page once or twice a day (check the published date to see when it last happened), but if you find a rate has been cut or isn’t available, you can check the Moneyfacts website for a partial list.
Here are some offers for when you’re heading out to the pub.
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.
Pub promotions
Poretti: free print or 330ml bottle
You can currently get a free pint or 330ml bottle of Poretti from participating venues. To get it, you need to:
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.
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.
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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.
Supermarket deals, including discounted gift cards, free chocolate, new online supermarket customer offers
There are so many supermarket-specific deals that we’ve moved this section away from our food and drink deals page. We’ll keep adding to the page as new offers appear.
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.
Current offers & sales
Morrisons: Wheel of Prizes
Morrisons is running a Wheel of Prizes promotion until 28 August. If you spend more than £10 and scan your Morrisons More card, then you can win freebies, money off vouchers, extra More points with your next shop or the chance to win a year of free shopping (worth £3,000).
Once you’ve shopped and scanned your card, just go into the app and you’ll be able to spin the wheel. You can only do one spin per week. There are some items not eligible to be included in the minimum spend — these are things like fuel, cigarettes and stamps, but Morrisons has provided a full list.
We also have a full review of Morrisons More with extra information on how to make the most out of the loyalty card.
When you buy at least one item worth at least 1p at Lidl and scan your Lidl+ App, you’ll get a “Spin to Win” opportunity in the app to use within 7 days. This will get you a voucher for one of Lidl’s baked goods. Some 11 items are included such as Lidl’s apple turnover, mozzarella and pesto pizza slice and cheese twist.
The offer is running until 20 August 2025. You can play the game multiple times but you must least at least a day between purchases.
There are a number of apps that’ll give you money back when you buy gift cards, including some of the major supermarkets. Use these for your everyday shopping and you’ll be saving every time.
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Supermarket cashback apps
Waitrose: 4% back via HyperJar
If you use your HyperJar card to spend at Waitrose, you’ll receive 4% back, beating the cashback rate from other options including most discounted giftcards.
However, the credit you receive can only be used on future Waitrose shops, so only go down this route if you are going to visit regularly.
You don’t need to activate the offer as it’ll automatically earn you the money when you spend.
The HyperJar account is free, though if you don’t use it within a 12 month period a £3 monthly fee is charged. This is easily avoided by setting up a standing order to transfer over £1 every year, though if you’re using it for cashback on spending or on gift cards, that’ll also count.
CheckoutSmart had free Rachel’s rice pudding at Morrisons, free Bahlens Pick Up biscuit bars at Sainsbury’s and free Little Dish kids meals at most supermarkets.
Over on Green Jinn there was free Kombucha and popped chips at Tesco, free Love Corn at Waitrose, Asda and Sainsbury’s and free protein shakes and pea milk at Morrisons.
While Shopmium offers included free oat milk at Sainsbury’s, free Iron Bru at Asda, Co-Op and more, free Rachel’s organic yoghurts at Waitrose and Sainsbury’s, free Jerky at Asda, Morrisons and Sainsbury’s and free Diet Pepsi at Tesco. And don’t forget there’s also free Pringles for newbies (more on this below).
Shopmium: free Dairy Milk Buttons
One – Shopmium – offers a freebie to get you started. Right now it’s a pack of Dairy Milk Buttons.
Previously it’s been a pack of pringles, tub of Ben & Jerry’s, a snack jar of Nutella and it used to be a bar of Lindt chocolate, and has at times been a box of cornettos. It should say when you download the app.
Use the code KHMYEEFW to activate the offer. Once you have signed up you’ll need to buy the item and then scan your receipt to get the money paid back.
There are always lots of other discounts and freebies on the app, so it’s worth browsing to see what else you can buy.
New Trading 212 customers get an increase of 0.57% AER to 4.67% 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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Grocery delivery offers
Ocado: 25% off for new customers
If you shop at Ocado for the first time and use the codeVOU4239713you’ll save 25% off your first order. You’ll also get free “Smart Pass” delivery for three months. Minimum spend £60, max discount £20.
It’s also worth checking your email to see if you’re an existing customer in case you get sent a similar deal.
New to the speedy grocery delivery apps is Zoom by Ocado. Available in West London only at this time. Get 20% off your first order with the code WELCOME20.
Asda, Tesco, Sainsbury’s, Iceland and Morrisons all tend to offer Christmas savings schemes. Depending on how much money you add to your account you’ll get a bonus reward. You can use your savings for any shopping in-store or online at the selected supermarket.
The table below shows the dates for 2024. We’ll update it for 2025 later in the yer
Right now you can get two packs of Angel Delight ice cream sticks for £1.25 rather than £5.50. Part of the reduction is via a two-for-£4 offer at Morrisons.
The next part is to claim back 50% of the price from cashback app Shopmium. Since the individual packs are priced at £2.75, and you’re buying two (one of each flavour), you’ll get £2.75 back to your Shopmium account. You can request to send this to your bank account.
That means you’ll have spent £4, got £2.75 back, leaving a total cost of £1.25. With four ice creams per pack, that’s 16p per ice cream.
It’s important you buy one of each flavour:
Butterscotch and chocolate
Strawberry and vanilla
If you don’t already have Shopmium, the welcome code KHMYEEFW will allow you to also claim back the cost of a bag of Cadbury Buttons.
Until 20 July 2025, you can get a free full-sized jar of Bonne Maman Crunchy Hazelnut Chocolate Spread with your Tesco online shop. You just need to go here and add it to your basket.
You need to spend at least £50 online to get it, apply your Clubcard to your basket, and you can’t get it with Whoosh. It’s down as 1p, but you won’t be charged for the item.
There’s also a free Get More Vits drink available, and a small sample of Comfort Scent Booster.
Waitrose and Ocado: free Moma Oat Iced Latte (ended)
Until 26 July 2025, you can get a free Chocolate or Caramel MOMA Oat Iced Latte.
To get it, you need to go here to claim one, then purchase one from either Waitrose or Ocado, being sure to keep your receipt. Then, you just take a photo of the receipt and upload it to get up to £1.80 back.
The offer ends on 26 July 2025 or once 2,500 have been claimed.
Co-op: £5 off £30 spend on collection or delivery (ended)
You can currently get £5 off a £30 spend when you order a Co-op collection or delivery online and use the code SAVER5 at checkout. The offer runs until 23:59 on 17 June 2025.
It can’t be used against first-stage baby milk, cigarettes, tobacco or carrier bags, and Alcohol products will not count towards the minimum spend threshold. You also can’t use it in conjunction with any other offer.
There’s a delivery charge of at least £1.99 per order and this does not count towards the £30.
Iceland is currently running a 8 for £10 multibuy offer. The offer is on Birds Eye products and includes pizzas, veggies, fish fingers and fish cakes, amongst other standard frozen items.
Most of the items in the offer would usually cost between £1.50 and £3, so it’s a good opportunity to fill up your freezer if these are items you’d usually buy anyway.
Amazon Fresh: £15 off each of your first three shops (ended)
Get £15 off a minimum spend of £60 on your first three shops with Amazon Fresh. Use the code WELCOMEFRESH at the checkout when you place your first order and the offer will be automatically applied to your next two orders. Offer expires 8 January 2025.
Morrisons on Amazon: £20 off each of your first three shops (expired)
If you’re new to Morrisons on Amazon, you’ll get £20 off each of your first three shops with the code NEW20OFF01, NEW20OFF02 and NEW20OFF03 for your first, second and third shops respectively. £70 minimum spend applies.
You can also get complete access to your credit report at the same time.
Credit reports and scores are essential tools you need to be aware of – and continue to monitor. A few years ago you’d have needed to pay to access your full report on a regular basis, and even see your score.
But now there are third party websites and apps you can use which won’t charge you a penny.
Here’s why they are important, and how to sign up.
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.
The three credit scores and reports
You’d think there’s just one credit score but actually three core ones (let’s ignore for now the fact that lenders might have their own scores too!). Each one is different, and they are based on the date in the credit reports managed by the UK’s three credit reference agencies – Experian, Equifax and TransUnion.
Frustratingly they all have different methods of compiling and presenting their scores. There are totally different ranges, so it’s impossible to compare them.
Now you might think, that doesn’t really matter as you’ll only focus on one report. Well sadly no. You need to check all three reports.
That’s because they potentially hold different details about your financial history. Not every company reports to all three. So you might find your bank or credit card appears on one or two, but not all three.
And that matters because when a lender checks a report to consider your application, they’ll probably just go to one.
And if that one is one with missing accounts or errors it could end up with a rejection.
Credit report vs credit score
A credit report is a collection of information about your finances. From all the bank accounts, loans and other credit you have, through to a record of missed payments, financial connections and address history.
It’s frequently used to confirm your identity, but more commonly it’s a way for lenders to work out if they will give you that mortgage or credit card.
So it’s really, really important – though it isn’t the only thing that’ll be taken into account when you apply.
The score is far less important. It’s simply a representation of the health of your credit report. In itself it won’t make any difference to any applications.
Still, it’s handy for us as punters to get a quick idea of things. And it’s easier to track a score than regularly go through the report.
If there’s a sudden drop in the figure it’s a good idea to try to find out if it’s anything significant that you need to deal with.
But if it carries on relatively steady then you know you’ll only need to take action if you want to bring it up – a sign you’re getting rid of errors and adding depth to your underlying credit report.
New Trading 212 customers get an increase of 0.57% AER to 4.67% 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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How to check your credit score & report
You can sign up to each credit agency’s own service to access your score for free. Some banks even bundle this in with your current account. So that’s pretty easy.
But if you want to see your full report (which is the important thing to check), then with both Equifax and Experian you’ll have to pay a monthly fee of around £11 to £15.
Though you can also request a Statutory Credit Report to view online, it’s generally not as detailed, and won’t have your score. So you’re better off using a third party service that’ll give you full online access in a few clicks for free.
They don’t all update in real time (often it’s a monthly refresh), and might not go back more than a year, but you’ll get everything you need right now to check for errors and find areas you might be able to improve. You can also use these sites for additional services, such card and loan eligibility and tracking.
These services will all also email you monthly or when things change. It’s worth clicking through to check when you receive them. This can be an early warning sign of any fraud or applications not in your name. If you ignore these (it’s easy to do when your inbox is full) at least check them before any you make any applications.
Free Experian credit score and report
Experian app
Since July 2025 you’ve been able to get digital access to your Experian report via the Experian app.
There’s also an eligibility checker. This is vital when you are looking to apply for a new credit card or loan. Here’s more on how they work.
You get an update to your report once a month which should be fine for most people. Since Experian is the biggest credit reference agency it’s probably the most important one to keep an eye on.
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Free Equifax report and score
ClearScore
ClearScore is a free way to monitor your Equifax score for life. It’s simple to find your way around it and it explains what you’re seeing.
You can access on desktop or via an app. I like the timeline feature which lets you see how your score, as well as things like mortgage debt change month by month.
Again it updates monthly, but for most that’ll be fine.
A warning – ClearsScore will email you regularly trying to get you to open a new credit card or loan. Just ignore the products they try to sell you!
Free TransUnion report and score
Credit Karma
It’s completely free to check your full report direct with TransUnion. You can do this via their own Credit Karma website. Your score is updated weekly.
Check all three credit reports
If you’ve been a victim of fraud and you’re worried about applications going out in your name then you can also sign up to CheckMyFile.
This is free for 30-days, but it will give you full access to all three reports including those instant notifications of changes. If you don’t want to keep the service you’ll need to cancel to you don’t pay the full £14.99 a month.
Earn cashback to check your score
Cashback sites TopCashback and Quidco will pay you to sign up to Experian’s free site.
Rates can change so it’s worth checking both, but at the time of writing the amounts are listed below.
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. 5% AER (4.89% 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.
More details ▼
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.
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.
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.
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.
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.
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: 25% off Cineworld Unlimited
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.
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.
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.
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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.
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.
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.
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.
Find the hummingbirds for Instant Win cashback
TopCashback is launching a treasure hunt across the website on Monday 4 August until Wednesday 6 August 2025, at 10:00. You need to be a member to join in (but above, you can get a £20 bonus for joining). You need to log in and search the website for hummingbirds, and you’ll be able to win instant cashback. There are daily clues to help you find them on their blog, too.
Prizes range from as little as 10p to £100, and one lucky member will win £1,000.
Some members can currently get a bonus of £2 with a £10 spend. You’ll be able to find out if you’re eligible on the Top Offers page of the website, where you need to activate the offer. Then, you need to make a purchase by 23:59 on 21 July 2025. You’ll get the bonus as well as any cashback earned on the purchase.
Not everyone can get this, you have to have been selected for it. And if you don’t have TopCashback yet, you can earn £20 by signing up above.
Here’s how to watch football on TV without forking out the equivalent of a Premier League player’s daily hourly wage.
If you’re dusting off your football shirt ready for the new season, you may also be considering the cheapest ways to watch your team on TV.
This year, more than 260 Premier League games will be shown on TV, split between Sky TV, and TNT Sports (previously BT Sport).
Championship, League One and League Two fans will get most of their action on Sky Sports, with more games than ever broadcast. Plus there’s European football on TNT and Amazon Prime. And let’s not forget international matches too/
If you want to watch as many games as possible, it doesn’t come cheap. And if you don’t support one of the big teams, they’ll be featured less often, which can make it more expensive per match.
Here’s my guide to the cheapest ways to watch Premier League, EFL and other football.
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.
Cheapest ways to watch football on Sky Sports
Sky Sports is available on as an add on for Sky, EE TV and Virgin Media packages, or as a pay as you go pass via NOW.
If you already pay for Sky or Virgin, then it’s worth haggling to see if you can add on Sky Sports, or reduce your existing spend. However if you just want the sport channels you’ll be tied into an 18 or 24 month contract for all your other services you have with them such as broadband, as well as forced to also pay for entertainment options, really bringing the price up.
Sky Sports is currently £20 a month for 24-months direct from Sky with the standard Sky channels and Netflix adding on another £15 a month, at least.
Sadly it doesn’t look like Sky is still offering a cut price deal just for the football channels or just for the F1 channel – but keep an eye out for either’s return.
You can pay a £25 a month for a monthly rolling contract via Sky Stream as an introductory offer, but you’ll need to pay at least £18 a month on top for Sky Entertainment and Netflix. For most people you’re better off going with NOW.
With Virgin Media it’s also another £20 on top, at least for the sports channels. Again, not bad, but you’re likely over paying for the other channels.
Get day or month Sky Sports passes with NOW TV
NOW TV passes are particularly good if you don’t want to pay for other Sky or Virgin channels or Netflix (which is bundled with Sky), or if you won’t watch all year around.
Plus, combine a NOW TV pass with a cut-price broadband and phone line deal and it’ll often be much much cheaper than getting everything as part of the full Sky or Virgin packages.
If you only plan to watch a few games at home throughout the season you can buy a NOW day pass for £14.99. You get all the Sky Sports channels for 24 hours. This isn’t as good a deal as it used to be, but still a money saver if you just want to watch a single match.
A monthly pass is also available, meaning you can view more sport. But at £34.99 it’s not as cheap as adding to Sky if you pay it every month.
The good news is there are regular deals to reduce the price of a pass. These have dwindled a little over the last few years, and there are very few day pass deals.
But monthly ones do still pop up quite regularly, often dropped to between £21 and £26 a month either when you first sign up or as a retention offer if you go to cancel. Get it this low, if not lower, then it’s more comparable to what you’d pay adding it to Sky without the requirement for other channels.
More recently you might find these offers tie you in for a minimum period, perhaps as long as six months, which isn’t as flexible. But others still let you cancel when ever you want.
You can stream the NOW TV app on your TV, console or streaming stick; or on your computer or mobile device. Though you can’t record (it’s all on-demand and catch up), you can now pause and rewind live sport.
If you want HD or to share your pass you’ll need to pay more. It’s £6 a month for Boost (2x streams and 720p) and £9 a month for Boost Ultra (3x streams and 1080p). Again, there are often deals to bring the price down.
TNT Sports is available to add to TV packages from Sky, EE and Virgin, or stream direct from Discovery+. We’ve got a deals page which highlights some of the best TNT Sports deals available, but here are the cheapest options.
Free with some BT broadband packages
If you have been with BT for a while for broadband or mobile packages then it’s worth checking if you’ve got free access to the full Discovery+ package, which includes TNT Sports. If you’re not eligible you can add it for £10 a month with no long contract commitment.
Buy a month’s pass
If you don’t have or want expensive pay TV contracts, you can access TNT Sports with Discovery+ for £30.99 per month. You don’t need to commit to a contract, so you can get a month’s access whenever you need it, making it good for casual fans.
The cheapest way to watch football on Amazon Prime Video
There will be 17 Champions League games shown on Amazon Prime this season, spread across the year. It costs £95 for the full year, and obviously you get access to other Prime benefits. But there are ways to pay less if you’re only after the odd match.
Get a free Amazon Prime trial
If you’ve never had Prime, you can take out a 30-day trial for free. And if you have had a trial before, it’s still worth checking as you can normally get another one after a year, if not sooner.
Pay £5.99 a month
You can also sign up on a monthly basis, at just £5.99 a month. That’s much cheaper than the full monthly Prime price of £8.99 a month, and you’ve got the flexibility to cancel if there are no games on, and resign up when there are.
With Sky Sports and TNT Sports, rather than just add the channels to your existing service as a top-up, it’s often cheaper to switch your service to a new company.
There are always offers for current customers signing new contracts, but the best deals are usually for new customers or those who threaten to leave. You can generally save even more by going via cashback sites.
Haggle with your provider
You can add on the Sky Sports and TNT Sports channels to your existing Sky, Virgin, Talk Talk and BT TV packages, but this can get very expensive.
Look out for special offers at the start of the season, or get on the phone with your provider and haggle for a better deal.
Cancel it when you don’t need it
These big pay TV companies often let you take Sky Sports month by month, so if there aren’t any matches you want to see, or you know you won’t have time, just call up and cancel.
You can sign up again when you want to restart watching the channels. Check the terms and conditions before subscribing and see if there is a notice or minimum period.
New Trading 212 customers get an increase of 0.57% AER to 4.67% 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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The cheapest way to watch every live TV game
Share it with a friend
Know someone who has TNT Sports, NOW TV or Sky? You can usually watch the channels on up to two devices (smart TV, computer, tablet, phone) simultaneously, so you could split the cost between you. Here’s myguide on sharing your subscriptions.
Watch it in the pub
Of course, you can save all that hassle and head to the pub.
Premier League fans will normally be able to find somewhere showing the games, though Championship and lower may struggle. A few pints would cost the same as a NOW TV day pass.
What matches are on which TV channel?
There’s no point signing up for all the channels showing football this year if the team you support isn’t going to be featured. Here’s a very detailed breakdown of which leagues will be show on each broadcaster this season.
Where to watch the Premier League 2025/2026 on TV?
Only selected games are broadcast on TV, though from this year all matches outside the Saturday 3pm kick off will be shown. These are picked a couple of months ahead and will be split between Sky Sports and TNT Sport. Free to air highlights will once again be on the BBC.
With no Amazon fixtures this year, and fewer on TNT Sports, Sky is going to be where you’ll catch most games.
Broadcaster
Number of games
Sky Sports
At least 215 – 32 on Saturday at 5.30pm – 32 on Sunday at 2pm – 32 on Sunday at 4.30pm – 32 on either Friday at 7.30pm or Monday at 8pm – All 30 matches on 1st, 2nd and 3rd midweek fixtures (Dec & Jan) – All 10 matches from last day of the season – Plus at least 57 rescheduled or additional matches
TNT Sports (previously BT Sport)
52 – 32 on Saturday at 12:30pm – All 20 matches from 4th and 5th midweek fixtures (Feb & Mar)
BBC
Highlights on Match of the Day
Until 2029
You can see selections on the Premier League website. Expect these to be announced on these dates (though in my experience they change a lot):
Match dates
Estimated announcement date
August/September
9 July
October
20 August
November
17 September
December/January
15 October
February
17 December
March
21 January
April
4 March
Match week 35
25 March
Match week 36
1 April
Match week 37
8 April
Match week 38
After match week 37
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Where to watch Champions League, Europa League and Europe Conference League on TV in 2025/26
Amazon Prime
17 Champions League games will be shown on Prime for the first time this season. They’ll be on Tuesday nights and Amazon have the first pick for these games.
You’ll get free to air highlights for the Champions League on the BBC until 2027.
Where to watch Football League (Championship, League One, League Two, League Cup) on TV in 2025/26
Sky Sports
Sky is the only place to watch EFL games. As with last season there are a huge number of games shown on Sky Sports. 1,059 out of 1,891 matches will be on TV. You can see what’s been picked on the EFL upcoming live games page.
It will be broadcasting the following:
328 EFL Championship games
248 League One games
248 League Two games
All play-off semi-finals and finals
All 93 EFL Carabao cup games
All 127 EFL Trophy games
Each week there will be:
Five matches in the Sky Bet Championship
Five from Sky Bet League One and League Two
This includes:
All opening and closing day fixtures
All mid week fixtures
All bank holiday fixtures
Shown across these time slots:
Saturday at 12.30pm
Friday night and Sunday 12.30pm
Some Thursday and Monday nights
ITV
You’ll be able to watch 10 live EFL matches and 10 EFL Cup matches (including the final) on ITV, along with EFL highlights.
Where to watch FA Cup on TV matches in 2025/26?
In 2025/26 the FA Cup will be completely free to watch.
Broadcaster
Games
BBC
18 fixtures including the final
ITV
20 games including the final
Where to watch Women’s Super League, Championship & FA Cup on TV in 2025/26?
Matches are split between Sky and the BBC, and some may be on YouTube too. All Women’s Championship are on YouTube.
Broadcaster
Games
Sky
Up to 44 live league games
BBC
21 live league games plus 7 FA Cup games and the League Cup final
YouTube
Some games not shown on the BBC or Sky, all Women’s Championship games
Where to watch international friendlies and qualifiers on TV?
The home nations’ men’s international qualifiers and friendly matches are split across different broadcasters, depending on which team you want to watch.
England’s women’s games are on ITV. BBC Wales has the women’s international games for Wales.
Broadcaster
Games shown
ITV
All England mens games, including World Cup qualifiers and Nations League
The average cost to watch each Premier League team
A couple of seasons ago, we looked at the potential savings you could make from mixing and matching providers rather than committing to a year of sports channels. We found that football fans could save themselves up to £850 on watching the Premier League this season.
If you pay for all the services all year you’re going to get better value if you support one of the big teams and very poor value if you support a smaller one. However, if you’re a fan of various different sports or like to watch multiple teams, it might be worthwhile.
(All this football talk reminds me of this classic Mitchell and Webb sketch…)
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.
Year 1: Up to £1,000 Year 2: Up to £2,000 Year 3: Up to £3,000
2025 perk not announced yet
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 0.57% AER to 4.67% 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
▲
Up to £3,000 overdraft: Nationwide FlexStudent
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 cash perk. It’s a good choice if you’re worried about the ethics of your bank, too.
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 and £120 in Just Eat vouchers, plus an additional £40 in Just Eat vouchers when you refer friends
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
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.
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
Bonus paid
Within 5 working days you’ll get a code to redeem the railcard
The HSBC Student Account has an overdraft of up to £1,000 overdraft in the first year, but you can get up to £1,000 added to your limit further up to £1,000 increases in the second and third year, though you’ll have to ask for it.
HSBC Student Account
Overdraft
Up to £1,000 in year one, up to £2,000 in year two, up to £3,000 in year three
Opening offer
2024: £125 for existing customers Not announced in 2025 yet
Bonus paid
2024: Within 30 days of meeting criteria
Requirements (2024)
Open the account after 15 August 2024
Make 5 debit card transactions within 30 days
Deposit £500 every term
Not had an HSBC Student Account on or after 1 July 2021
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
None
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 5% paying account will earn you £50 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.
