The cheapest ways to get Wimbledon 2026 tennis tickets

From the ballot to the queue, here’s how to get in at SW19

Wimbledon is one of the highlights of my summer, even though getting a ticket to see the tennis isn’t always cheap or easy – but you can do it on a budget.

Here are my top tips for getting a ticket.

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1. Go in the first week

In terms of value for money, the best way in my experience is to go towards the end of the first week (which this year starts on Monday 29 June). 

At this point, the tournament will be in the second or third round where the players will be much more evenly matched. Round one games, especially with the top seeds, can often be a whitewash. 

If you want to experience Centre Court, the cheapest tickets are for the first couple of days.

2. Try to buy last-minute tickets

If you’re looking to guarantee a ticket before heading out, such as if you live a little further afield, then last minute ticket options might be an option.

Try your luck the day before

Some tickets are typically sold a day or two before, but there’s no details on the website about them just yet. You normally need to download the official Wimbledon app to get them, so it’s worth downloading and signing up to prep. 

American Express cardholder tickets

American Express cardholders might be able to grab themselves some last-minute tickets to Centre Court during the tournament. It’s not been confirmed for 2026 yet, but if it’s running again any sales will be revealed on Amex socials this year, so give them a follow.

Last year you were able to buy tickets on the Saturday before each week started, with finals tickets appearing on the Thursday before.

Ballot tickets

You might still be able to get access to returned ballot tickets – these will be restricted to those who were unsuccessful in the ballot. Those who are eligible will get an email detailing how to access the resale. 

In previous years you needed to be quick. Several hundred tickets for Centre Court and Court 3 went on sale at 9am the day before. Returns for the same courts went on sale roughly 48 hours before the start of play, also via Ticketmaster. 

It’s a good idea to sign up for the Wimbledon newsletter to be the first to know of any extra ticket releases.

3. Join the queue

The queue is a great way to nab yourself some great tickets on the day. It’s an early start, especially if you live outside of London, but it’s quite an experience in itself – you even get a booklet on how to queue (how British!). 

It’s first-come, first… serve (sorry) so the earlier you join the queue the better. If you want a show court you’ll need to be there overnight. A limited number of tickets are available for Centre, No.1 and No.2 Courts. Only one ticket can be bought per person, so you need to be queuing together to get more than one.

For other tickets, well the earlier the better is still the case. Historically, we’ve arrived at around 7am, and didn’t get into the grounds until just gone 1pm! But for most of that time we were just sat in the sun in a field which was actually really nice – just bring a book! There are toilets, food outlets and water refill stations.

Gates open gradually from 9.45am and play normally starts on outer courts around 11am. There’s usually a comprehensive guide to the queue on the Wimbledon website which details how it’s handled.

This year you’ll need to download the Wimbledon app and sign into a MyWimbledon account so it’s worth doing this ahead of time.

People queuing for Wimbledon
The Wimbledon queue when we arrived just after 7am

4. Get a ground pass

The best way to save money on Wimbledon is to get a Grounds Pass – these let you watch some quality tennis on the outer courts for a fraction of the price. In week two you’ll have fewer singles to watch but don’t worry, there’ll be some great doubles action if you go on a Monday or Tuesday.

If you are early (and quick) there are also some unreserved seats and standing space on Court 3. A ground pass will cost you £33 during the first week, less from the second Tuesday onwards.

5. Get £10 returns

It used to be that extra tickets went on sale from a hut inside the grounds. These became available as people left for the day and donated their ticket to be resold, with profits going to charity. But it meant more queuing!

The good news is this changed recently, and you can now do it via the Wimbledon app. You’ll need to get your phone scanned at kiosks in the grounds or the queue by 2.30pm. Then as tickets become released between 3pm and 9pm, keep an eye out for a text message saying you’ve “won” a show court seat.

You’ve 10 minutes from the text to accept it, and another 20 minutes to pay for your ticket from the resale kiosk by Court 1.

Costs in 2025 were:

  • Centre Court: £15
  • No 1 Court: £10
  • No 2 Court: £10

6. Bring your own food

Once you’re in, it gets very expensive. Check the T&Cs on your ticket and on the Wimbledon website, but to avoid paying high prices for disappointing burgers, bring a picnic. The same is the case with drinks. You’re allowed to bring your own booze – though not spirits – and there are (fairly generous) limits per person. Remember to bring along a corkscrew to avoid taking a bottle of wine on a day trip (speaking from experience).

Don’t forget a bottle of water – there are fountains where you can refill  – and bring along sun cream, or risk paying over the odds for it in the shop. You’ll save near on £20 this way, if not more.

Amex cardholders are usually able to get a discount on purchases in the Amex lounge while last year Barclays customers got free strawberries and cream – so keep an eye out for anything like this.

7. Go there after work

If the sun is shining, there’s every chance play will carry on until 8 or 9pm. Possibly even later now there’s a roof on Court One as well as Centre.

When I went a few years ago there was a discounted cost after 5pm – entrance to the grounds was £14 after during week one, less in week two, so I’d expect it to be not too much more this year. 

However, you can only buy these tickets if people have left the grounds as it’s one-in, one-out. 

8. Look for people leaving show courts

If people look like they’re calling it a night, just ask politely if they mind giving you their ticket. This is the best way to get yourself into Centre Court. It’s worth a shot!

I used to do this as a kid, and managed it again at the French Open a few years ago (using some very poor GCSE French!).

A couple of years ago one bloke a few feet away just shouted out if anyone wanted his tickets as he was on his way out. We just missed out!

9. Ask if you can take empty seats.

Late on, you’ll see many seats empty as corporate guests head home. The likelihood is they won’t hand their tickets in to be resold so there’s no official way to fill the seats.

So a young ‘un, I used to just be a bit cheeky and ask if I could nip into one of the empty seats at the back – and I often got onto Centre or No. 1. It might not work, but you’ve nothing to lose.

10. Get a refund if it rains

We all hope it won’t happen, but there’s rarely a year when play doesn’t get rained off. If you see less than an hour of play due to rain you can claim a full refund. If it’s more than an hour but less than two, you’re entitled to 50% back.

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11. Watch it on the big screen

If you don’t fancy getting up really early, or get there too late, then there are a load of big screens across London, and no doubt other big cities too. They often have deck chairs and a nearby bar! 

A great one is the free open air screen from the canal side steps on Granary Square in King’s Cross. The steps are covered in AstroTurf and there’s usually beanbags and cushions. Nip to a nearby shop to pick up a can of Pimm’s and you’re good to go.

12. The Wimbledon Ballot for next year

Most of the tickets for the show courts are sold through a public ballot which generally opens in September, with the results announced in February. Members of some tennis clubs and the LTA also get access to another ballot.

If you miss out there are often additional sales opportunities for returns in the spring, but you need to have entered the initial ballot.

Amazon Prime review: is it worth the money?

Wondering whether you should shell out for Amazon Prime? Here are the pros and cons.

Amazon Prime is a popular choice of subscription, but it comes at quite a cost. Here’s what you get if you sign up and our thoughts on whether it’s worth getting and when it should be avoided.

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.

What is Amazon Prime?

Amazon Prime is a paid-for membership to the online giant that gives you a series of benefits that normal customers don’t have access to or have to pay more for. There’s a long list of these extras further down.

How much does Amazon Prime cost?

The free trial

Everyone can try Amazon Prime free for 30-days. It’s best to time your trial for when you think you’ll most need free delivery or when there’s a big promo event such as Prime Day, which tends to be in June or July each year; Big Deals Week in September, or Black Friday, which is on the fourth Friday of November each year.

Since every adult in the household can take out a free trial, if there’s more than one of you it’s possible to double up – or more. Once again, you can time these trials for times you’ll need to make more purchases, like ahead of an event or to prep for things like Christmas gifts.

You can repeat your trial a year after a trial has finished, so there’s the potential to do this every 13 months. And sometimes there’s even an offer earlier.

The annual membership: £95 a year

Amazon Prime costs a hefty £95 a year. This is a lot so you’ve got to use at least two or three of the perks for it to represent good value.

There used to be a couple of times a year where you could get the membership for around £59. These were usually in the run-up to Amazon Prime Day and Black Friday, though they’ve not happened in recent years. We always list these on our Amazon deals and discounts page, so bookmark it and check back!

The monthly subscription: £8.99 a month

If you don’t want to pay for the full year then you can opt for an £8.99 monthly subscription instead, which you can cancel whenever you want. It will work out cheaper than the annual plan if you pay for nine months or less, or practically the same for 10 months.

There’s a cheaper £5.99 option but this is just for the Prime Video streaming service and not the other features. This can be difficult to find so we have a guide to find Prime Video.

The student / young person discount: £47.49 a year

There’s a cheaper option for students or young people aged 18-24 who aren’t at Uni. They’ll get six months free, then three years at £47.49 a year. A monthly option costs £4.49.

To get this you need to have a student card or age ID (. Sadly, the loophole where anyone could get a student card is closed, though you might be able to get an alumni card.

Or if you’re 18-24 year olds will also get access even if they’re not at Uni.

Again, each household member can have the trial, so you can easily double up if you qualify.

What you get with Amazon Prime

Here are the key extras you’ll get as part of your subscription.

Free next-day, possibly same-day, delivery

There’s no minimum spend for delivery from Amazon when you’re with Prime, except if you want same-day delivery, where there’s a £20 minimum or a £1.99 fee. If you order from Amazon a lot, the free delivery can be pretty handy.

Normally you’d have to pay extra to get things sent through if the order is under £35, or £10 for books. The minimum amount quietly changed from £25 in June 2024, up 40%. This is standard delivery, so it takes a few days.

Generally non-Prime delivery will cost £3.99 for media (books, CDs, DVDs and games) or £4.99 for everything else.

So if you’re mainly thinking of Prime for delivery, you’ll need to make 20 orders under £35 in a year to break even with the pickup deliveries, or 16 at the higher £4.99 charge.

However, you can sometimes remove these completely or knock them down to £2.99 if you get your order sent to an Amazon “pickup location” such as a locker or newsagent.

Plus, since not everything on Amazon is sold by Amazon, there will still be items that aren’t eligible for Prime delivery.

Two Odeon tickets for £10

Once per month, Prime members can get two Odeon cinema tickets for £10 or two recliner tickets for £15 at Luxe cinemas on Mondays to Thursdays. This can be stacked with discounted gift cards, so for example a 20% off gift card would mean the two tickets cost £8.

There are better Odeon deals and offers available, especially when you consider that tickets at some Odeon venues are typically £5 with myODEON anyway and can be booked with Meerkat Movies, making the tickets half the price.

Exclusive access to flash sales such as Prime Day

Between late June and mid-July, Amazon marks its birthday with Amazon Prime Day. This usually features some big discounts on Amazon products like Kindles, Echos and Fire TV, as well as all sorts of other items. These deals are only open to Prime members.

The Black Friday sale which tends to run for about 12 days, if not longer, is another big sale with extra offers for Prime members.

We find that most of these deals are stock clearance or encourage you to buy things you don’t need. However, there are bargains to be found, especially if you utilise some of the extra vouchers to buy things you actually need.

Early access to ‘Lightning Deals’

As a Prime member, you can buy the daily deals 30 minutes earlier than everyone else. Since stock is usually limited, this could be the difference between getting the item and missing out. Here’s more about how Lightning Deals work.

TV and movies with Prime Video

There are some good exclusive TV shows such as The Boys and The Marvellous Mrs Maisel, and plenty of other box sets.

There are also some decent recent and classic movies. Amazon is making more original movies and has purchased the legendary studio MGM, so we’ll see even more films appearing just on Prime.

You can stream from your computer, smart TV or devices such as a Chromecast or Fire TV stick, or download to your phone.

Don’t forget though that Prime Video costs £5.99 a month on its own (without the other Prime benefits), which might be a better option for you.

You can’t get ad-free streaming, though. Amazon introduced an extra £2.99 monthly charge for ad-free Prime Video in January 2024.

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Live Champions League Football

Amazon is also increasing the sports you can watch exclusively via Prime Video. Since last season you can watch Tuesday night Champions League football with it, though it no longer offers selected Premier League matches.

You can read more about the cheapest ways to watch football in our summary.

Ad-free streaming with Amazon Music Prime

This included streaming service is better than it used to be. It’s ad-free and has grown to 100 million songs (similar to Spotify) so there’s plenty to keep you occupied if you don’t want to shell out extra for premium music streaming.

The problem is you can only shuffle your tunes. That’s ok if you’re mainly listening to playlists (which you can create), but it can be annoying if you want to hear an album from start to finish.

You can also listen to podcasts ad-free – including our one, Cash Chats.

There is an extra Music Unlimited service which starts at £11.99 a month, and there’s a £1 discount for Prime members on the individual plan.

However, there’s a promo to pay upfront for a year to get Music Unlimited at £109 as a Prime member. You can then hack this as you’re eligible even if you pay for just a single month of Prime and then cancel.

Digital books and magazines with Prime Reading

Every month Prime members get access to a few thousand ebooks and magazines to read via a Kindle, Kindle app, or even your computer. There are a few big titles, such as the Harry Potter series, but otherwise don’t expect to pick up all the novels on your reading list.

The magazine offering isn’t bad, but the titles change every month. It’s better instead to see if you can get digital magazines from your library.

There’s also “First Reads” where you can pick up a free Kindle book each month from a selection of six or so titles. But don’t expect any future award-winners. You can see previous ‘First Reads’ titles here.

Games via Prime Gaming

You’ll get a Twitch channel subscription each month, along with some free PC games to play.

Unlimited photo storage with Prime Photos

Amazon’s cloud-based storage will keep the photos you take safe if your computer or phone is lost or stolen. You also get 5GB of storage for other file types with Amazon Drive – the same you get with Apple iCloud, but less than the 15GB with Google Drive.

Free Deliveroo Plus

You can sign up for a year of Deliveroo Plus Silver, which will save you money on delivery costs, worth £3.49 a month. However, there’s still a minimum spend of £15 per order. Here’s more about Deliveroo Plus.

Access to Amazon Fresh grocery delivery services

Prime members also get to order food from their local Morrisons, Iceland or Co-op and from Amazon Fresh. It’s free delivery for baskets over £60 but charges you £2 for orders between £40 and £60 and £4 if the total is under £40 or if you want the delivery within two hours.

What you don’t get included with Amazon Prime

You’d be forgiven for expecting Prime to give you all the extra services Amazon offers. But no, you need to pay extra for the following:

  • Amazon Music Unlimited – an extra £11.99 a month
  • Kindle Unlimited – an extra £9.49 a month
  • Ad-free Prime Video – there’s an extra charge of £2.99 per month for this
  • Audible audiobooks – an extra £8.99 a month
  • Amazon Channels – costs vary for extra TV channels such as Paramount+ and Discovery+

What’s good about Amazon Prime

People obviously love the next-day delivery, and it’s certainly a service that other retailers find hard to compete with. And there’s much more you can get on top.

If you use most of the features that come with Amazon, you’re getting a lot for your money – effectively £7.92 a month if you pay for the year. Here’s a quick comparison of how this stacks up against some key competitors:

Prime MembershipCost with PrimeAlternativesCost of Alternative
Free next-day delivery£95Paying for delivery charges elsewhere (three orders a month at £2 an order)£72
Prime Video (plus ad free)Included + extra £35.88Netflix (standard ) at £12.99 a month£155.88
Amazon Music UnlimitedExtra £109Spotify Premium at £12.99 a month£155.88
Total £239.88Total £383.76

We’ve assumed three online orders a month with a charge of £2. Often you’ll get free delivery from other retailers, but charges will also vary. And, you might order more or less, and delivery charges might be different too, but this gives you an idea.

With TV and film streaming, Prime Video is cheaper than Netflix, even when subscribed for full Prime rather than on its own, though you do have to pay more to avoid adverts now.

And even with the extra charge for Music Unlimited, it’s cheaper than buying the same service with Spotify if you are also using the other parts of Prime.

Prime members can also get access to extra vouchers and discounts, which are great if you are going to spend the money with Amazon anyway.

What’s bad about Amazon Prime

There’s a reason that Amazon packs so much into the membership. It doesn’t want you to spend money elsewhere. If you’ve already paid for delivery with Prime, you’re not going to want to make orders with other retailers and pay for delivery, or get it later than you could with Amazon. This stops you from shopping around. And you could easily end up spending more money as a result.

In part, that’s because Amazon isn’t always cheaper. Across my year without Amazon in 2021 I actually saved money on his purchases – even when you factor in the delivery costs.

Plus, you’re much more likely to buy more because you have Prime. Not just because you’re more likely to be on Amazon more often and open to more temptation, but also because those extra discounts encourage you to make unnecessary purchases — such as on Prime Day and during Black Friday.

You also lose the friction that added delivery costs can add to your purchase, which might usually make you think twice before buying something you don’t need.

Let’s also look again at the table above. Yes, it’s potentially a huge difference in spending, but that’s assuming you don’t also pay for the other services elsewhere.

If you do want Disney+ or Netflix, then also having Prime for film and TV won’t be saving you cash – it’s an extra cost. It’s only cheaper if you ditch the others.

And if you need to shop elsewhere (not everything is on Amazon) you’ll pay for delivery on top.

Is Amazon Prime worth it?

So, does Amazon Prime offer good value for money? Well, it can, as long as you use at least a couple of the services. Most people will get enough use from the free delivery and exclusive discounts on Prime Day and Prime Video to justify the £95 fee.

However, if you end up buying more and not shopping around because you have Prime, you’re likely to spend more money having Prime rather than not having it.

Don’t forget you can still shop at Amazon without Prime. You might pay between £2.99 and £4.99 for items under £25 (it’s under £10 for books) but you could get it free if you’re happy to collect from a locker. Even if you are charged, you’d need to order something under that threshold roughly every fortnight to cover your £95 fee. Do you order low-cost items that often from Amazon?

And of course, you need to consider where else you shop. It ultimately comes down to whether you are dedicated to Amazon or happy to shop and stream elsewhere.

If you don’t want to stop completely, then maybe you could cancel your annual membership and go monthly. And then pick and choose the months you need to use it. So perhaps it’s just around Prime Day, Black Friday and when you want to binge on some new box sets. Just see how you go!

My year without Amazon

Why I cancelled Amazon Prime membership

I actively chose to go without Amazon in 2021, so I obviously cancelled my Prime membership – even though I was paying just £39 a year.

This was largely a step to proactively support other retailers (ideally on the high street). But I also wanted to make sure my money didn’t help Amazon continue to grow its profits while it manages to (legally) avoid paying a fair rate of tax here in the UK and elsewhere.

Of course, you might think that going without isn’t possible, but I’d urge you to give it a try. I found it so much easier than I thought I would, and I’ve been surprised by how much less I bought and how much less things cost at the same time.

You can read more about my year without Amazon and how much money I saved.

How to cancel Amazon Prime

Watch this video to see how you cancel – and why you might want to think about using Amazon less.

Other ways to save at Amazon

Make sure you check out our Amazon deals and offers. This is where we’ll list flash sales, gift card bonuses and other extras. For example, you can often get a free top-up when you buy a gift card. All this and more via the link below.

The best bank switching offers (June 2026)

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.

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Subscribers to our newsletter can get an exclusive £18 welcome bonus when joining Quidco and spending £10
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  • How to get the bonus Once you sign up, you’ll need to click on the sign-up confirmation email that will be sent immediately. If you don’t see it please check your spam folders as it could be there, and then add our email address to your safe senders list. Then, look for a special email that will be sent to you with the exclusive Quidco sign-up link. Make sure to read the terms and conditions on Quidco’s website before making your first purchase to ensure it tracks
  • Offer expiry This offer is due to end 31 March 2026, but will hopefully be extended

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RBS £200 switch offer

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  • Eligible accounts Reward, Select or Premier Reward
  • Existing customers? No
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Barclays £200 switch offer

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Premier Bank Account switch offers

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  • Overdraft requirements None
  • Signature experiences to choose between You can choose an experience, including Michelin-starred dining, premium overnight stays, live experiences and family experiences.
  • Switch requirements Switch using the Current Account Switch Service and close your old account, switch over two active direct debits, pay in £4,000 within 30 days
  • Switch restrictions Offer is limited to once per person; you can't have opened a Barclays account before 9 June 2026 or previously received a switching bonus from Barclays
  • Blue Rewards You can opt to add Blue Rewards to your account — it's not necessary for the switch offer, but can get you the extra perks like Apple TV and cashback at select retailers. Blue Rewards is free with the Premier account.

HSBC Premier £500 switch offer

Customer rating 3.9/5
  • Switch bonus
    £500
  • Offer
    Unknown
  • Extra perk
    Worldwide travel insurance and private GP for the family
  • Requirements
    Income or savings of £100k
This is a Premier Bank account, so not everyone will qualify for it
  • FSCS Protected? Yes
  • Offer details Open a Premier account after 23 March 2026 and switch using the Current Account Switch Service with a salary of £100k+; and/or transfer £100k+ of savings/investments, and maintain your balance for 3 months
  • Eligibility Meet one of the following criteria: Have an individual annual income of at least £100,000, and pay it into your HSBC Premier Bank Account, have savings or investments of at least £100,000 with HSBC in the UK, or already qualify for HSBC Premier in another country.
  • Travel insurance HSBC Premier gets you Worldwide Travel Insurance for your whole family.
  • Mortgage benefit Preferential mortgage rates, and some higher-net-worth customers can get additional international support.
  • Healthcare benefits Includes digital GP access, a second medical opinion, specialist advice, remote physiotherapy, mental health support and a health check kit to test over 20 key markers. This is for the whole family, including you, your partner and any dependents under 23. It’s also got Cancer Bereavement Cover, which pays out £2,000 if you pass away from a cancer related cause.

NatWest £250 switch offer

Customer rating 4.7/5
  • Switch bonus
    £250
  • Offer ends
    Unknown
  • Extra perk
    £500 interest free overdraft
  • FSCS Protected? Yes
  • Bonus requirements Apply for a Premier account and request to switch an account with another bank to us using the Current Account Switch Service
  • Deposit requirements You need to deposit £5,000 within 60 days of opening the account and log into the mobile app
  • Eligibility To be eligible for the account you need to have a minimum of £100k sole income or £120k joint income paid into your NatWest account, minimum of £100k savings or investments held with NatWest or a minimum £500k mortgage with NatWest
  • Existing customers? You can't have received a switch offer before and can't have held a NatWest current account or savings account as of 10 March 2026

Other new customer offers
Customer rating 4.9/5
  • Savings rate
    4.5% AER variable for 12 months
  • Offer ends
    Unknown
  • Cashback
    2% cashback on select spending
  • FSCS Protected? Yes
  • Important details 18+, UK residents. Eligibility applies. Chase current and saver accounts required. Exceptions, qualification criteria, and T&Cs apply (https://www.chase.co.uk/gb/en/legal/cashback-terms-and-conditions/). See important cashback information here (https://www.chase.co.uk/en/gb/product/2-percent-cashback).
  • Boosted Saver Linked savings account for new Chase current account customers, available for your first 31 days. 4.5% AER (4.41% gross) variable for 12 months, including 2.25% AER 12-month bonus on top of the standard saver rate. Available to new current account customers for your first 31 days. May be withdrawn. Interest paid monthly. T&Cs: chase.co.uk
  • Fees Fee-free current account. Zero fees from Chase when spending at home or abroad
  • Account features Essential money management features
  • Customer service Provides 24/7 customer support
  • Cashback requirements Make 15+ card (debit or credit) or bill payments (direct debits) a month and hold £1,000+ in a savings account. New customers will get 2% cashback from 1 June and it will continue into July — going forward, you'll need to meet these requirements in the previous month to get the next month's cashback.
  • Existing customers? Existing customers will be able to access the 2% cashback from 1 July

More on bank switch offers

About bank switching

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 the basics to get you started.

Switch bank like a pro

Once you’ve switched for free cash, you can keep going!

We’ve shared the things you need to know first, and what you can do to make it even easier.

The best extra ‘dummy’ accounts

You don’t actually need to switch your main current account.

Instead you can set up a new one just for switching! Here’s how

Cheap extra direct debits

Some switch offers require you to have a handful of active direct debits to transfer over.

If you don’t have enough, then we’ve some hacks to help you set up new ones quickly that won’t require you to pay for anything.

Featured switching deal
Sponsored
Customer rating 4/5
  • Switch bonus
    £180
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account

Does bank switching affect your credit score?

We love bank switching, but there are some situations when switching could hurt your credit report.

Here’s what you need to consider before switching if you’re worried about your score.

Debit card ‘spend’ hack

You might find a switching deal or current account reward requires you to spend regularly with your new debit card.

That’s not hard – but we’ve a way you can do this and still earn cashback on your spending from a different card.

The best rated current accounts

Thousands of customers have left current account reviews over on our sister site Smart Money People.

Find out which current accounts they rate – and the ones they don’t.

The best easy-access savings accounts (June 2026)

These are the top easy access savings accounts and highest-paying easy-access Cash ISAs available at the moment

Easy-access savings accounts are ones where you can withdraw your money whenever you want. The rates are largely dependent on the Bank of England’s base rate — when we see a drop or rise in the rate, we tend to see savings accounts move in the same direction. Here are the best-paying ones at the moment.

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.


Best easy access ISAs

While ISAs don’t typically belong on this page, the top rates for ISAs at the moment are a lot better than for standard savings accounts, so here’s the top few available – if you want to see the full list, we have a whole table of the best easy-access ISAs on the market at the moment.

Easy access Cash ISAs
Customer rating 4.7/5
  • AER (variable)
    4.76%
  • Minimum
    £1
  • Access
    Full access
Includes bonus of 1.16% for 12 months
  • Important details Existing Trading 212 customers get a rate of 3.6%
  • FSCS Protected? Yes
  • Allows transfers in? Yes, but no bonus rate on transfers
  • Flexible ISA Yes
  • Bonus New Trading 212 customers get a bonus of 1.16% AER for 12 months for current year subscriptions with a yearly gross rate of 4.66%.

Moneybox app Cash ISA

Customer rating 4.8/5
  • AER (variable)
    4.75%
  • Minimum
    £500
  • Access
    Limited access
  • Maximum withdrawals
    3
Rate includes 1.25% bonus for 12 months
  • FSCS Protected? Yes
  • Bonus Rate includes 1.25% bonus for 12 months
  • Allows transfers in? Yes
  • Flexible ISA No
Customer rating 4.8/5
  • AER (variable)
    4.46%
  • Minimum
    £1
  • Access
    Full access
Rate includes a bonus rate of 1.92% for new users
  • Allows transfers in? Yes - but you'll get a different rate for transfers in. The rate is 4% AER (variable), made from a 2.54% underlying rate and a bonus rate of 1.46%.
  • Important details Rate shown for new customers only. Interest on Plum's Cash ISA varies - this is the rate on 04/06/2026. ISA rules apply. Includes a bonus rate (for new users) of 1.92% AER if kept for 12 consecutive months. Cash ISA T&Cs apply. Plum is not a bank. Tax treatment depends on your personal circumstances and is subject to change
  • Flexible ISA Yes
  • 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 a bonus rate (for new users) of 1.92% AER if kept for 12 consecutive months

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.

Easy access savings

Cahoot Sunny Day Saver

Customer rating 4.1/5
  • Access
    Full access
  • AER (variable)
    5%
  • Minimum
    £1
  • Maximum
    £3,000
This is the best-paying account at the moment, but you can only save up to £3,000 in it.
  • FSCS Protected? Yes

Tembo Money HomeSaver

Customer rating 4.8/5
Editor's comment
This account is technically for those looking to buy a home within the next few years. However, even without the extra HomeBuyer bonus, it's a decent-paying account and it's easy access.
  • Access
    Full access
  • AER
    4.55%
  • Minimum
    £10
  • Maximum
    £20,000
  • FSCS Protected? Yes
  • Rate details The rate is made up of a 3% AER (variable) base rate and a 1.55% AER (fixed) 12-month introductory bonus. There's also a homebuyer bonus available on top of this if you're looking to buy a home soon.
  • HomeBuyer bonus On top of the underlying rate, you can get a 12-month boost of 1% that is paid at the end of the 12 month period if you take out a mortgage with Tembo, or, if you take a mortgage out after the 12 month period, it'll be paid after your mortgage completes. You have three years from first paying into the account to complete.
  • Included features You'll also get fee-free access to Tembo's mortgage brokers

United Trust Bank Limited access savings

Customer rating 4.9/5
  • Access
    Limited access
  • AER (variable)
    4.3%
  • Minimum
    £5,000
  • Maximum
    £150,000
  • FSCS Protected? Yes
  • Withdrawals allowed? Lower rate paid if you make more than two withdrawals per year

Chorley Building Society Online Saver (Double Access)

Customer rating 4.8/5
  • Access
    Limited access
  • AER (variable)
    4.27%
  • Minimum
    £1,000
  • Maximum
    £500,000
  • FSCS Protected? Yes
  • Withdrawals allowed? You'll get a lower rate paid if you make more than two withdrawals in a year.

Mansfield Building Society Triple Access Bonus

Customer rating 4.7/5
  • Access
    Limited access
  • AER (variable)
    4.25%
  • Minimum
    £1
  • Maximum
    £400,000
Rate includes 1% bonus for 12 months
  • FSCS Protected? Yes
  • Withdrawals allowed Only three withdrawals are allowed per year.
  • Bonus Rate includes 1% bonus for 12 months

Principality Building Society Online Bonus 5 Access

Customer rating 4.7/5
  • Access
    Limited access
  • AER (variable)
    4.25%
  • Minimum
    £1
  • Maximum
    £1m
Rate includes 1.95% bonus for 12 months
  • FSCS Protected? Yes
  • Withdrawals allowed 5 withdrawals allowed per year
  • Bonus Rate includes 1.95% bonus for 12 months

LemFi Instant Access Savings Account

  • Access
    Full access
  • AER (variable)
    5%
  • Minimum
    £1
  • Maximum
    £250,000
Listed rate includes 1.89% bonus for 6 months, making the annual effective rate 4.06%
  • FSCS Protected? Yes
  • Bonus Rate includes 1.89% bonus for 6 months

For homebuyers

These accounts are best for those looking to save for a home. You might also want to consider Lifetime ISAs.

Savings accounts for homebuying
Customer rating 4.8/5
Editor's comment
This rate is specifically for those looking to buy a home within the next few years. If you get it without the HomeSaver bonus, it pays 4.75%.
  • Offer
    1% fixed rate bonus for homebuyers
  • AER (variable)
    5.55%
  • Minimum
    £10
  • Maximum
    £20,000
Rate includes a 1.55% 12-month bonus plus an additional 1% fixed 12-month bonus for those looking to buy a home in the next 3 years who go on to get a mortgage with Tembo (4.55% AER variable otherwise)
  • FSCS Protected? Yes
  • Underlying rate The rate is made up of a 3% AER (variable) base rate and a 1.55% AER (fixed) 12-month introductory bonus. There's also a homebuyer bonus available on top of this.
  • Homebuyer bonus On top of the underlying rate, you can get a 12-month boost of 1% that is paid at the end of the 12 month period if you take out a mortgage with Tembo, or, if you take a mortgage out after the 12 month period, it'll be paid after your mortgage completes. You have three years from first paying into the account to complete.
  • Included features You'll also get fee-free access to Tembo's mortgage brokers

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.

Current Account Linked Savings

Santander Edge Saver

Customer rating 4/5
  • AER (variable)
    6%
  • Interest earned
    In separate account
  • Minimum
    £0
  • Maximum
    £4,000
  • Requirements 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.
  • FSCS Protected? Yes
  • Bonus Includes 2.5% bonus for 12 months

Nationwide FlexDirect

Customer rating 4.6/5
  • AER (variable)
    5%
  • Interest earned
    In current account
  • Minimum
    £0
  • Maximum
    £1,500
  • Important details Interest is earned in and paid into the main current account. After the first year the rate drops to 1%.
  • FSCS Protected? Yes
Customer rating 4.9/5
  • AER (variable)
    4.5% for 12 months
  • Interest earned
    In separate account
  • Minimum
    £0
  • Maximum
    £3m
4.5% AER (4.41% gross) variable for 12 months, including 2.25% AER 12-month bonus on top of the standard saver rate. Available to new current account customers for your first 31 days. May be withdrawn. Interest paid monthly. T&Cs: chase.co.uk
  • FSCS Protected? Yes

Kroo Current Account

Customer rating 4.8/5
  • AER (variable)
    2.65%
  • Interest earned
    In current account
  • Minimum
    £0
  • FSCS Protected? Yes
  • Interest Interest is earned in the main current account
  • Rate details Rate tracks the base rate minus 1.1%

Best notice accounts

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.

Notice Accounts

BLME 90 day notice account

Customer rating 4.1/5
  • Expected rate (variable)
    4.37%
  • Minimum
    £10,000
  • Maximum
    £1m
  • FSCS Protected? Yes
  • Withdrawals 90 day notice period required for withdrawals

StreamBank 90 day notice account

  • AER (variable)
    4.35%
  • Minimum
    £1,000
  • Maximum
    £100,000
  • FSCS Protected? Yes
  • Expected rate (variable)
    4.25%
  • Minimum
    £1,000
  • Maximum
    £120,000
  • FSCS Protected? Yes
  • Withdrawals You need to give 95 days notice to withdraw from this account

Oxbury Bank 120 days notice account

Customer rating 4.2/5
  • AER
    4.19%
  • Minimum
    £10,000
  • Maximum
    £1m
  • FSCS Protected? Yes

The Stafford Building Society 180 days notice account

Customer rating 4.6/5
  • AER (variable)
    4.26%
  • Minimum
    £5,000
  • Maximum
    £450,000
  • FSCS Protected? Yes
  • Withdrawals allowed Up to 2 withdrawals allowed per society year

Earl Shilton Building Society 180 days notice account

Customer rating 4.1/5
  • AER (variable)
    4.25%
  • Minimum
    £5,000
  • Maximum
    £250,000
  • FSCS Protected? Yes

Other top paying savings accounts

Best Fixed Rate savings accounts

If you’d prefer a higher rate in return for fixing your savings, you can go for a fixed-rate savings account, with fixes from as little as three months to five years. But you are locking your money away without access.

We’ve listed all the top fixed rate bonds in our separate tables.

Best Regular Savings accounts

These accounts are all “Regular” or monthly savers which work differently to normal saving accounts. Here’s Andy’s full guide to how they work.

We’ve listed the top-paying options in our separate best buy guide.

Best Easy Access Cash ISAs

Though most of us don’t need the tax-free “wrapper” offered by an ISA, if you want to use one then the same goes in terms of finding the best rate.

We’ve listed the best options on our dedicated Best Cash ISA page.

Best Fixed Rate Cash ISAs

You can also get fixed rate ISAs, and these can be accessed early – though you’ll pay an interest penalty if you do.

Find the top paying rates for each term on our dedicated Best Fixed Cash ISA page.

Prize draw accounts

Premium Bonds – 3.8% prize rate

The prize rate for Premium Bonds stands at 3.8% from the July 2026 draw onwards. This doesn’t mean you’ll get 3.8% 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:

Food and drink deals

The best deals right now for some free or cheap food and drink

From lunch discounts and vouchers to free samples and deals, read on for the best food and drink deals currently available.

We’ve split the supermarket special offers and tea and coffee shop deals over to separate deals pages as there are just so many!

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.

Online offers

Coffee Friend: up to 50% off coffee beans

If you love an at-home cup of coffee, Coffee Friend has a sale on, offering up to 50% off coffee beans and 30% off coffee capsules.

You can get the largest discount when you purchase multiple bags.

Shop deals

Hotel Chocolat: free treat on your birthday

If you sign up to Hotel Chocolat’s VIP ME scheme you’ll get a free gift on your birthday (I got a free £5 voucher to spend), as well as other offers through the year such as 15% off your next purchase. You can only sign up in-stores.

Krispy Kreme: free doughnuts

Download the Krispy Kreme Rewards app to get a free Original Glazed doughnut when joining and another on your birthday. You’ll also get points every time you spend that can be spent in-store.

25% off Krispy Kreme

You’ll be able to get 25% off your doughnuts Sunday to Thursday if you have Meerkat Meals from Compare the Market. There’s a hack that’ll get you access to this for a year for £1, as well as 2-4-1 movies.

Recipe box discounts

We’ve written about recipe boxes in detail here, but below are some special offers.

Gousto: up to 75% off first box via Quidco

There are often voucher codes for Gousto, but if you’re new to Gousto and go via a cashback site you can save even more.

The deals seem to change fairly regularly and switch between TopCashback and Quidco, so it’s best to check both to see which is best.

At the time of writing, going via Quidco can get 50% off your first box, and up to £12 cashback on top.

So the most expensive box (four meals per box for four people) would normally cost £47.85, but the discount brings it down to £23.93. Add in the cashback and you’ll get the recipe box for £11.93 instead!

If you’re also new to Quidco, then you can get an additional new customer cashback bonus.

Hello Fresh: up to 66% off first box via TopCashback

If you go via TopCashback (this one also switches between the two cashback sites, so check Quidco too) for HelloFresh then you can get 50% off your first box and £10.20 cashback on top. When you order the largest box (five recipes a week for four people), it brings the total down to £21.30.

Here you can nab a new customer bonus for the cashback sites too if you’re new to either site.

Hello Fresh: free delivery with Amazon Prime

You can now get free delivery on your Hello Fresh deliveries for a year with an Amazon Prime membership. Delivery usually costs £4.99, so this could save you £20 a month if you get a box every week.

You’ve got to go here and sign in to your Amazon account where you can connect it with your Hello Fresh account. This works if you already use Hello Fresh. You get free delivery for a year if you keep your Prime membership.

[Skimlinks]

Supermarket deals, offers and vouchers

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.

Free products

Tesco: free Jubel with online orders

If you do an online order with Tesco, you can add a free can of Jubel. It’s a penny on the page, but it gives you that back.

You need a Clubcard to get the offer.

Grocery delivery offers

Iceland: £5 off your first online shop

Use code ICEFIVEOFF to save £5 on your first online shop over £45. There’s also free next day delivery too.

Zoom by Ocado: 20% off your first order

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: £55 off for new delivery customers (over four shops) (ended)

Anyone who hasn’t had a delivery from Asda can get £55 off over their first four shops.

To get it, you need to register for Asda, and make sure that you opt into marketing.

You’ll then get a unique code in your emails within two hours that’ll get you £20 off your first shop.

You’ll then get £10 off your second and third shops and £15 off your fourth.

You have to spend at least £60 in each shop to get the discount. So your first one could be as low as £40, your second and third shops could be as low as £50 and your fourth shop could be as low as £45.

Only 23,000 customers can get the discount, so you need to use your first code quickly if you want to get it. It’ll expire on 31 January 2026 if they’re not already used.

Supermarket gift card offers

Cashback on supermarket gift cards

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.

The key apps are:

We’ve written in more detail about them here, including some welcome offers to boost your savings.

Supermarket receipt cashback apps

You can often save a little extra on your groceries using supermarket cashback apps (read our review), and it’s worth checking to see if there are freebies.

Shopmium: £1 welcome offer

One of these cashback apps – Shopmium – offers a £1 boost to get you started.

Use the code KHMYEEFW to activate the offer. Once you have signed up you’ll need to buy an item listed on the app. Then scan your receipt to get both the cashback on the item and the £1 paid to your account.

There are always lots of other discounts and freebies on the app, so it’s worth browsing to see what else you can buy.

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.

Christmas bonus schemes (ended)

Christmas saver schemes 2025

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 deadlines and amounts you can earn for 2025.

SupermarketLast date to add moneyMaximum bonus
Tesco16 October 20256%
Morrisons31 October 20253%
Sainsbury’s1 November 20255%
Iceland4 November 202520%
Asda9 November 20255.3%
Co-op31 December 20254%

Expired offers

Various supermarkets: free Strongbow cider (4 pack) (ended)

If you purchase a 4-pack of Strongbow Strawberry from one of the participating supermarkets, you can claim back the cost (up to £6).

To get it, head to the promotional website, where it’ll prompt you to send a text message or WhatsApp.

Then, go to one of the participating stores and purchase a 4-pack of Strongbow. You’ll then be able to upload your receipt to the link sent back to you via WhatsApp where you can claim back the cost.

The list of participating stores isn’t completely clear, but you can definitely claim back from:

  • Tesco
  • Asda
  • Morrisons
  • Sainsbury’s
  • Co-op

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: 8 freezer items for £10 (ended)

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.

Co-op: five freezer items for £5 (expired)

Co-op is offering five freezer items for £5 for loyalty members (£6 if you’re not a member).

Included in the offer are:

  • Young’s Chip Shop 2 Fish Steaks
  • Birds Eye 12 Garden Peas
  • Whitby Seafoods Scampi Bites
  • McCain Oven Chips
  • Carte D’or Madagascan Vanilla Ice Cream

Offer expires 19 November

Latest TopCashback deals: £18 for new members

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.

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.

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 (e.g. £30). I’ll share these below if they are better than the generic offers.

You can only get one new sign-up offer.

Free £18 bonus

You can get a £18 new member bonus. You need to spend £10 via one of the retailers listed on TopCashback 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 £18 bonus ends 30 June 2026.

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.

£2 bonus when you spend £10 (expired)

Just for today (Friday 5 December), both new and existing TopCashback customers can get a £2 bonus when they spend £10 with any retailer through the site. The deal ends at 23.59.

If you’re not sure what to buy or don’t need anything, you can also use it with TopGiftCards. You can use this alongside the £30 sign-up offer above, so you can get a total of £32 for signing up and spending £10.

£5 bonus cashback on £20 gift card spend (expired)

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!

Featured switching deal
Sponsored
Customer rating 4/5
  • Switch bonus
    £180
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account

Regular savings accounts explained: Are they worth it?

How you can save every month for a higher rate with a regular savings account

I’m a huge fan of monthly or regular savings accounts. They’re great for people putting money aside every month, and they also tend to have some of the highest interest rates! You can get up to 7.1% via these accounts – far above the best options elsewhere.

But these monthly savers are often misunderstood, especially when it comes to the amount of interest you’ll earn. So here’s an explainer to make sure you know how they work.

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.

What is a regular savings account?

A regular savings account is designed for people saving some of their income every month rather than depositing a lump sum. Hence the name. Usually this transfer is made by a direct debit, set up when you open the account.

I’m a big fan as they encourage you to save a set amount every month, rather than ad hoc amounts as and when you have spare money.

How regular savings accounts work

Often there are limits and restrictions, though this can vary depending on the account.

You’re limited to how much you can save in them

You can typically only deposit between £50 to £500 every month, with most actually having a cap of around £200.

You might also have to pay in a minimum each month, though that might not be much – usually £25 or £50.

The account normally closes after 12 months

The vast majority of regular saver accounts (Natwest/RBS’s option is the main exception) last for just one year. Once the year is up you’ll be paid the interest and the account is closed with your money moved to a lower paying easy-access account.

Make a note of when your account is due to mature so you can immediately move your money to the best rate available rather than letting it sit in a lower-paying default account.

Rates can be fixed or variable

Unlike most other types of savings account, you’ll find some could change during the time you have them, while others are fixed.

During this time of likely base rate cuts, a fixed rate account is a good option, and worth tying in while you can.

Withdrawals can be limited

Some regular savers don’t allow withdrawals until the year is up, or have extra limits on them such as just two a year. If you do take money out, you might not be able to add it back in for that month.

The best accounts require current accounts

The highest paying regular savers are usually restricted to existing customers of the bank. Though you should be able to easily open a new current account with those banks to be eligible, there might be better paying options at other banks, for example a monthly reward or cashback. There are also a handful of loyalty savers via building societies that require you to have been a member on a certain date.

How interest is calculated in a regular savings account

The main area people get confused about is the interest rate. For this example, let’s use an interest rate of 5%.

If you save £250 a month into the account, and therefore have £3,000 saved by the end of the year, you might expect to get 5% on that £3,000 – a total of £150.

However you don’t have £3,000 for the full year – you’re adding money incrementally. This means you’ll only earn interest on the cash held each month. So the first £250 will have been saved for 12 months and earn the full 5% – a figure of £12.50 over the year

In turn, the second £250 saved will only be in the account for 11 months. So you’ll earn 11 twelfths of 5% on £250 – which works out as roughly £11.45 of interest.

The next £250 will be 10 twelfths, the next one 9 twelfths and so on. If you miss a month or pay less in that month, then that’ll also affect your earnings. If you carried on you paying in the maximum every month, you’d earn £81 after a year.

If you calculated this £81 return on the total £3,000 balance it’s effectively 2.7% – just over half the advertised rate. This is why people get angry. But you are still earning that headline money on your monthly deposits.

And that “50% of the headline rate” is a handy shortcut if you want to find out how much you’ll make based on the annual balance saved. For a more accurate figure, you can use the calculator on Money Saving Expert.

High interest regular savings accounts: How much could you make?

Here are the top paying accounts at the time of writing, and the interest in the first year if you deposit the maximum amount allowed at the start of the month.

BankRateMonthly limitMax interest in 12 monthsRequirement?
Zopa*7.1%£300£36*Current account
First Direct7%£300£135Current account
Co-operative Bank7%£250£113Current account
Nationwide6.5%£200£84Current account
Club Lloyds 6.25%£400£161Current account
* Interest for 6 months only

Regular savings hacks

These regular savings accounts aren’t just for people building up a new savings pot. You can funnel other, lower-paid savings, into these accounts.

Drip feeding your savings

Drip feeding means gradually moving money from an existing savings pot into a regular saver each month, rather than leaving it all in a lower-paying account.

If you’ve got a small lump sum you can gradually move money from one account into a regular savings account.

Say you have £3,000 already. The first thing to do is move it to the highest-paying account or accounts you can find.

For the example here let’s assume it’s all in an easy-access account earning 4.8%. In a year this would earn you £144 of interest.

But if you then move it month by month (at £250 a time) to a regular saver account paying 7% you would earn a combined total of £180 in interest (£113 from the regular saver and £67 from easy access account). That’s £36 more than if you’d left it in the easy-access account.

However, this might not be too different from putting the cash in a one year fix. For example, one that paying 5% would earn £150. Here’s more on drip feeding vs fixes.

Featured switching deal
Sponsored
Customer rating 4/5
  • Switch bonus
    £180
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account

Using multiple regular savers for larger savings

You’re not limited to just one regular saver, so you can use the same trick as above to drip-feed deposits if you have a larger stash.

For example, at the time of writing, you could pay a total of £1,000 each month into four accounts that earn above 7%.

Are regular savers worth it?

If you want an account that pushes you to save every month, earns decent interest and sometimes make it harder for you to access the money for a year then they can’t be beaten.

And as they’re offering some of the best rates on any kind of account, you’ll also likely be earning the most money you can. The fact that some are fixed also means you’re locking in a decent rate when they’re likely to fall elsewhere.

But, many of these high-paying ones do require a current account. Though there’s no reason you can’t open up more accounts to get these offers, it’s worth considering if you’ll make more money by switching bank instead. Plus bear in mind you’ll be credit checked to open those current accounts.

The best regular savings accounts

Right now those with current accounts get up to 7.1%, and with no restrictions up to 6%. Check out our regularly updated list of what’s on offer.

It’s always worth trying your local building societies too as they may have higher rates that are only accessible if you live locally.

However, it doesn’t make sense to have a regular saver paying less than the best easy-access accounts, while lump sums might be better off in a fixed-rate bond. We’ve listed the highest paying ones in our savings best buy tables.

Expert thoughts on regular savings accounts from Be Clever With Your Cash

Our editor James Andrews says:

Regular savings accounts might be one of the most underused tools in personal finance. The rates are often the highest available, and the discipline of saving a fixed amount every month is actually a benefit in disguise, not just a restriction.

The biggest misconception is about how much interest you’ll actually earn. When an account advertises 6%, people expect 6% on everything they’ve saved – but because you’re drip-feeding money in throughout the year, the effective return on your total balance is closer to 3%. That’s still fantastic, but it’s important to go in with the right expectations.

If you took the total amount you save over a year, and put it in a one year fixed-rate bond at half the rate (so 3.5% currently), you’ll earn more over a year – and there are plenty of one-year fixed-rate bonds that pay more than 3.5%.

The real power comes from using multiple regular savers for your monthly standing orders – and remember you’re not limited to one, just one per current account.

Pub & bar deals

Save on drink and food at your local

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

Greene King: free drink when your team plays in the World Cup

Greene King pubs are running a massive World Cup sweepstake, and it means free drinks for members.

This is how it works:

  1. Join the World Cup sweepstake on the Greene King App
  2. Choose your home nation
  3. They’ll assign you a second nation
  4. You get a free drink every time your second nation plays

You need to choose your team before the 18th of June to earn up to eight free drinks if your team makes it to the final.

Nicholson’s: free drink when you register for the app and another once you have it

When you register for news and offer updates on the Nicholson’s app they will send you a voucher for a complimentary drink in any of its pubs.

It also gives you access to the pub chain’s loyalty scheme – offering a free drink on your fourth visit, £5 off £15 at visit 6 and a mighty final reward of 20% to use on every purchase that is valid for 30 days.

Hungry Horse: Spin to Win main, pudding or pint

If you download Greene King’s new app and register for it, then you can spin the wheel to win a main, dessert or drink.

You get 30 days to claim the freebie.

Prizes include:

  • A free drink — you can choose from Peroni Nastro Azzuro, Peroni Natro Azzuro 0% bottle, Birra Moretti, Coke Zero, Diet Coke, Schweppes Lemonade, Madri, Cruz Campo, Rekorderlig, Aspall, GK IPA, Abbot Ale, Old Speckled Hen, Hazy Day, Level Head. Only Soft Drinks and Peroni Nastro Azzuro 0% bottle will be available in Scotland
  • A free dessert — up to the value of £7.99
  • A main meal — up to the value of £18.99. This excludes sharers or any meal priced higher than £18.99, only selected from the main menu, and does not include any breakfast, brunch, lunch, seniors, specials, children’s menus or timed menus.

Brewdog: free pint

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.

Brewdog: buy one, get one for £1 for pizzas and burgers (ended)

Now extended until February 13, the deal from Brewdog lets you get a pizza or burger for £1 when you buy another one.

You can grab the offer at any UK locations except Belfast Grand Central, Edinburgh Airport, Edinburgh Waverley, Gatwick Airport, Waterloo Arms and Hull.

The offer is for pre-book only, not walk in customers, and sees the cheaper of the two burgers or pizzas charged at £1. Takeaway and delivery are also excluded.

If you’re in a big party, you can order up to eight pairs of £1 deals per booking, and your Equity for Punks discounts still apply to the bill.

Heineken: free pints nationwide (ended)

You can get a free pint of Heineken or Heineken 0.0 from a participating pub until 31 October 2025, or 40,000 free drinks have been claimed.

To get it, head to the promotional website and enter your details. Then, use your current location or search for locations to find a pub near you where you can get a free pint. Once confirmed, you’ll get an email with your voucher.

Greene King: free Hazy Day pint (ended)

From 10 September to 17 October, you can get a free pint of Hazy Day IPA when you download the Greene King App and register. If you’re already signed up, it should be waiting in there for you. Once you have the voucher, you only have until 31 October to redeem it!

Wetherspoon: 99p pint and £4.99 pizzas (ended)

Forget dry January, Wetherspoon is having a sale.

Running from January 2 to January 15 there are deals to be had across a range of drinks and food for people looking to save a bit of cash at one of its 600 locations across the UK.

Here are some of the highlights:

  • 99p – pint of Worthington’s beer
  • £2.99 – 250ml glass of Coldwater Creek wine – including Chardonnay, pinot grigio, rosé and merlot
  • £1.99 – 25ml of Johnnie Walker Black Label or Tanqueray gin – mixer included
  • £1.69 – Guinness 0.0, Corona Cero, BrewDog Punk AF, Stella Artois Alcohol Free, Erdinger Isotonic, Thatchers Zero, Kopparberg Alcohol Free, Gordon’s 0.0 pink gin
  • £4.99 – 11″ Margherita pizza plus free soft drink (or £6.52 with alcoholic drink)
  • £4.99 – crunchy chicken burger served with chips or side salad plus free soft drink (or £6.52 with alcoholic drink)
  • £4.99 – jacket potato with one filling (choose from tuna mayo, coleslaw, chilli bean non-carne, cheese, baked beans and roasted vegetables) plus free soft drink (or £6.52 with alcoholic drink)

Poretti: free print or 330ml bottle (ended)

You can currently get a free pint or 330ml bottle of Poretti from participating venues. To get it, you need to:

  • Go to one of the venues listed – there’s a search function to find ones near you
  • 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

Birra Moretti: BOGOF pints (ended)

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.

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.

El Tab: £9.99 a week for free drinks

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.

We’ve done a full analysis of the app to find out whether it can cut cut the cost of boozing in London.

Free drink with Mixr

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.

There are often free drinks and other discounts.

10% off with Green King Sport app

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.

Watch out too for free drink promotions.

The full list of pubs can be found here.