Magazine and newspaper deals

From digital to physical copies I’ll share top deals to save on your regular reading and other publications.

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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Magazine offers

Lego: free kids’ magazine delivered four times a year

If you’ve got kids aged between five and nine, chances are they love Lego. You can sign up and get the Lego magazine delivered to your door every three months for free, including delivery. If you don’t have a Lego account already, you’ll need to sign up.

The next issue comes out in November.

BBC: Limited edition evolution poster and info from the Open University

Get a free, limited edition, poster of the evolutionary tree of life – along with a load of reading on the different theories too.

It’s based on what you might have seen on the BBC show Evolution, which was co-produced by The Open University, and supported by leading OU academics specialising in evolution, ecology and the history of life on Earth.

Orders will be processed on a first-come, first-served basis.

Free magazine subscription with Lloyds bank

You can get a year’s subscription to a number of titles if you open a Club Lloyds current account. I use this to get a year of Empire, though you might be better off with the alternative freebies such as 6 cinema tickets or a year of Disney+ Standard with Ads.

Here’s more information in our review.

Digital magazine offers

Free digital magazines from your library

Most libraries have a way to get free access to dozens of titles via your phone or computer. I’ve written here about how you can get a load of digital magazines via your local library.

The Athletic: £1.50 per month for a year 

The Athletic is offering access to the site for £1.50 per month for a year.

After the year ends, you’ll be charged £12.50 per month, so make sure you cancel beforehand if you don’t want to pay full price. 

Magzter: One year for £35.95 or less

Magzter is an online digital subscription where you can access more than 8,000 magazines. You can read the magazines on any iOS or Android device via the Magzter app.

This offer on Groupon gives you access for £35.95 rather than £149.99. And if you combine it with a code you might be able to save more.

There are plenty of UK titles such as Total Film, Reader’s Digest, BBC Good Food, Marie Claire and Woman & Home, as well as international faves such as Entertainment Weekly. There’s also randomly Spurs and Everton match programmes!

You can have five separate accounts with the subscription so it’s a good option for a family. 

It does auto-renew after the year so be sure to cancel it before the year is up.

Readly: Two-month free trial

This subscription service costs £7.99 a month. You can currently get two months for free.

Which? Magazine: deal stack (ended)

You can combine up to three different deals to bring down the price of an annual subscription to the ‘full access’ Which? magazine.

Not everyone will be able to get the Amex offer (you need to check your card offers and add it to the card if it’s showing), but the other two options are there for all.

It means you’ll pay Which? £49.50 for a full access subscription, and then get around £15 back from the cashback site (the rate varies so check both). Remember to apply via the cashback site and close any Which? tabs that are open.

If you have Amex you’ll save more again. We’ve seen 50% off a £30 spend, but other deals may be out there as these vary by cardholder, and there’s a chance you won’t see the offer at all. But say you get 50% off the price paid, that’s another £24.75 off.

There’s a chance this last part is dependent on clicking through from the Amex app, but it wasn’t when Andy did this in December 2022, so it should be fine this time too.

All in that could mean you pay just £9 for one year, saving more than 90%.

Bear in mind you’ll be charged the full £99 after 12 months if you don’t cancel.

And if you’ve not used Quidco or TopCashback there’s a new welcome bonus worth up to £18 you can nab on top.

The best deals

Find our picks of the best offers in our dedicated deals library

Kids & family days out offers

If you’re thinking of what you can do with your little ones that won’t break the bank, here are some ways to spend less on days out and activities

Days out aren’t cheap, so here we’ll share special offers where you can bring down the price of tickets, as well as any special free events and activities. We’ve also had a look at schemes such as Kids Pass and Little Bird and shared whether we think they’re any good.

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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Gardens

BBC Gardeners’ World magazine: 2-4-1 entry card

If you buy the May 2026 edition of Gardeners’ World magazine you’ll get a card that’ll get you 2-4-1 entry to over 380 gardens in the UK and Northern Ireland.

This includes:

  • Leeds Castle (save £33)
  • Hever Castle (save up to £25)
  • Knepp’s Rewilded Walled Garden (save £30)
  • 69 National Trust gardens
  • 26 National Trust of Scotland gardens
  • 12 English Heritage gardens

The magazine costs £9.99 and you can buy it online even though May has passed.

The pass is valid until March 2027 and can be used as many times as you like.

Kids & family membership offers

Day Out With The Kids: one year for £1

This deal, originally a Black Friday offer, will get you a full-year membership for just £1, saving £29.99. You’ll need the code BF254U.

Featured kids' bank account
Sponsored
Customer rating 4.7/5
  • Monthly fee
    £3.99
  • Ages
    6 - 17 year olds
  • Parent account required?
    No
  • Offer
    2 months free and £5 pocket money
  • FSCS Protected? Yes
  • Interest paid No - only paid for Plus and Max accounts
  • Fees £3.99 per month for one child
  • Parent account There's no bank account for parents; instead, the account is topped up using your existing bank account
  • Card Customisable debit card
  • Education Includes access to Money Missions to teach kids about money
  • Perks Parents can set chores with the app, and anyone can pay into the account with Giftlinks
  • Offer 2 months free and £5 free pocket money available for new gohenry customers who order a card and deposit £5. Sign up using the code AFUKBC26 to get it.

Free ticket offers

Lidl Plus: free ticket to 3,000 activities across the UK

If you’ve got Lidl Plus, then until 31 August 2026, you can get a free single-entry voucher to an activity.

To get it, go to your Lidl+ app, find it in ‘Partner offers’ in ‘More’ and click ‘Redeem this offer’. You need to fill out the form, then you’ll get an email to book an activity.

Once in, you can search for activities nearby – most of the activities are for things like dancing, taekwondo, paintballing and museum visits.

MoneySuperMarket: SuperSaveClub hack

If you take out insurance via MoneySuperMarket you can get free membership to the SuperSaveClub, which offers free tickets every week and month to big name attractions like London Zoo.

But there’s a way to get access without buying insurance that won’t cost you anything – simply sign up for the free Credit Monitor service. You can also do this for every adult in your home, increasing how many free tickets you get.

We’ve written up how to get free membership in detail.

Free Horse Racing tickets via Reach (ended)

You can get a pair of free tickets to see Horse Racing at various locations until all 10,000 have all been claimed.

Locations are:

  • Sandown (Thursday 6 August)
  • Kempton Park (Wednesday 12 August)
  • Carlisle (Wednesday 19 August)

National Lottery: Open Week (ended)

The National Lottery runs a regular promotion where you can get free or low-cost days out, including Eden Project, National Trust, the Tower of London and English Heritage properties. 

The National Lottery Open Week runs between 7 March and 15 March 2026 — booking is open now.

To get access, you need to have a National Lottery ticket or scratchcard, which you can use to visit a National Trust or National Trust for Scotland property for free or at a discount. The date of the lottery ticket isn’t relevant, but maybe hang on to it until you know if you’ve won. 

You can see a full list of the attractions and the discounts available, searchable by postcode or your current location. The full T&Cs are here too.

Ticket deals

Winter Wonderland: £1 tickets

There are 500,000 £1 tickets for sale for Winter Wonderland in Hyde Park if you get in quickly. These normally cost between £5.50 and £9.50.

Opening on 19 November 2026 and running until to 3 January 2027, there will be more than 150 attractions, rides and shows, as well as heaps of festive feasting, drinking and live entertainment.

However, a word of warning, unless you’re happy to book an early slot, most of these £1 tickets are mid-week.

You can also get entirely free entry if you book £25 worth of rides when you get your ticket.

British Motor Museum: £1 entry for kids

Over the summer holidays, children’s tickets are just £1, down from £9 for an advance ticket or £10 for an on-the-day ticket.

The child needs to visit with a full-paying adult, which costs £18 in advance or £21 on the day.

Merlin attractions: get two visits for the price of one

Merlin has returned with its “Twice the Fun” offer this year. This means that you can visit two theme parks this summer for the price of one. This includes Chessington World of Adventures, Alton Towers, LEGOLAND Windsor andThorpe Park.

This isn’t a two-for-one ticket offer – instead, you pay in full for your first visit, then you get access to another Merlin resort for a second visit until 25 September 2026.

To get it, you go via the first theme park you want to visit — under tickets you’ll see “Twice the Fun”.

Activities

WWF: free Daily Dose of Nature pack

To help families get in touch with their local environment, WWF is offering a free Daily Dose of Nature pack.

Inside you get a guide to help you get your daily dose complete with activity guides, species spotting checklists, a UK wildlife calendar, ways to explore nature at home and prompts to help you stay on track.

The pack will be posted out – including other goodies – and you can download a digital version the moment you sign up.

Barclays: free tennis sessions for all ages

Barclays is offering free social tennis sessions each weekend across the country for all ages every weekend. The sessions are at 10am on Sunday mornings — you can find a nearby court on the website and book onto a session.

You’re not just limited to one session either, you can book every weekend if you want to.

You don’t need to have any equipment, know-how or even a partner to play with. The sessions are social, so you can meet new people to play with.

To book, you go to the website and search for a park tennis court near you with your postcode. If there’s not one near you yet, keep checking, as they’re adding new ones all the time.

Kelloggs: free football camp with promotional boxes (ended)

If you pick up a promotional Kellogg’s product between 1 April and 18 August 2025 then you can get a free day at a football camp for kids aged between 7 and 14.

To claim the free day, you need to scan the QR code on the pack or go here to register. You need to enter the last four digits of the barcode for the product you bought, as well as your postcode. Then you’ll be able to see the current places and request a code to book.

“Open House” events

In September each year many buildings open their doors for free across the UK. Here are some of the main organisations, but do check locally to see if there are other places offering something similar.

Open House London – September 2026

From 12 to 20 September 2026 you can get free or discounted access to hundreds of buildings and gardens in London, many of which are normally closed to the public. Bookings opened on 19 August 2026. Details here.

Heritage Open Days (England) – September 2025 (ended)

On weekends from 12 to 21 September 2025, Heritage Open Days is offering free access to events celebrating England’s history and culture, such as tours and exhibitions. You can register for tickets until 14 August. Details here.

Doors Open Days (Scotland) – September 2025 (ended)

In September 2025 there’s a similar open day festival in Scotland giving you access to buildings and events across the country. It runs across four weekends, depending on location. Details here.

Open Doors (Wales) – September 2025 (ended)

Throughout September 2025 you can get free entry and guided tours to more than 200 historic sites in Wales. Loads of events don’t require booking. Details here.

National Trust & English Heritage offers

English Heritage: free family pass with a newspaper (ended)

If you buy a copy of the Daily Star, Express or Mirror between May 9th and May 17th you can get free entry to an English Heritage property with your family.

A copy of the paper will cost between £1.50 and £3.60 depending on the paper and the day – with midweek papers costing the least. The English Heritage family pass is worth up to £50.

The family pass works for groups up to 2 adults and 3 children, or 1 adult and 4 children, or 2 adults. The pass is valid until Sunday, 14 June 2026.

Make sure you check the terms and conditions for exclusions and the English Heritage website for opening times.

English Heritage: free family pass (ended)

Complete this online form and you’ll be able to visit an English Heritage site with your family between now and 2 November 2025.

The pass permits two adults, two adults and three kids or an adult and four children and is worth around £40. Participating sites include Bolsover Castle in Derbyshire, Eltham Palace in London and Whitby Abbey, North Yorkshire.

Once you’ve filled out the form you’ll be sent a digital pass to your email. If you’re keen, be quick as the passes usually run out very swiftly!

National Trust: free family day pass (ended)

With WalesOnline and InYourArea you can get a free family day pass to participating National Trust sites.

But you’ve got to be quick! There’s a limited number of passes available, and they tend to be snapped up very quickly.

The day pass admits two adults and up to three children, or one adult and four children. Single adults and couples can also use it. You might need to prebook. When booking, select ‘Affiliate organisation member or passholder’ for the number of people your pass can admit.

The vouchers need to be used by 31 August. You can redeem it Monday to Sunday, excluding 23 to 25 August 2025.

Check the T&Cs before going, as some sites are excluded.

Days out ticket discounts

National Rail: 2-4-1 days out

If you’re travelling by train to an attraction, you might be able to use it for a discount on your entry. Details here.

Theme park deals

Check out our separate guide to paying less for theme park tickets such as Alton Towers and Legoland.

Boundless membership

If you work in the public sector or are a civil servant, a Boundless membership gives you free access to UK attractions, including Kew Gardens, a free Kids Pass and Tastecard.

  • Basic Boundless costs £40 a year
  • Boundless Plus costs £68 a year

We’ve looked in more detail at who can get it and what you get in our review.

What is Kids Pass?

What does Kids Pass do?

Kids Pass is a membership which gives you discounts on the places and things kids like to do.

Kids Pass promises:

  • Up to 57% off at “family days out” such as theme parks, bowling and play centres
  • Up to 40% off at cinemas, seven days a week
  • Kids eat free or for £1 at hundreds of restaurants
  • Savings on places like Butlins and Haven

You only need one card per family, rather than per child.

Is Kids Pass any good?

The discounts can be pretty decent, especially the restaurant and cinema deals.

Restaurant deals

Some restaurant chains include are Giraffe, Garfunkels, Barburrito, Handmade Burger Co, and Bella Italia, each offering free food for kids or £1 meals. There’s also BOGOF at Pizza Hut (delivery) and a second pizza for £1 at Papa John’s. There are hundreds of independent ones, too. You can see those involved without getting a membership.

Cinema deals

The cinema discounts through Kids Pass are available at most major chains and various independent places. You get up to 40% off tickets for kids and adults, making it a good option even if you don’t have kids. A quick look at a few different chains and it generally works out as £8 per adult ticket.

Check if it’s cheaper to buy your tickets with a different deal.

You’ll need to buy your tickets through the website or app – you can’t just show your pass at the box office. 

Other deals

The theme park and other family activities look good, though as with most entertainment, it’s worth shopping around for other offers. It does look like it includes all the major theme parks and places like Madame Tussaudss and London Dungeon.

You can also save up to 50% at places like Eurocamp, Haven and Butlins.

Swap old clothes for money off vouchers

Recycle clothes and shoes to help save on something new 

H&M, M&S, Schuh, John Lewis, River Island and George at Asda all have schemes that let you swap old clothes or shoes for vouchers.

It’s a great way to clear the clutter and save money at the same time. Plus it’s far better for items to go to charity or get recycled than adding to landfill.

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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H&M clothes recycling scheme (£5 voucher)

If you’re a member of H&M’s loyalty programme you can donate any bag of old clothes or unwanted garments into an H&M shop and you’ll get 20 points and a £5 voucher to spend as part of the H&M Garment Collection programme.

You’ll get a voucher per drop off – so if you bring in several bags staff will probably process it as one transaction. But in theory, you could split the bags and drop them off at different times for more vouchers. However, there is a £25 minimum spend with each voucher.

So what can be in the bag? Well you don’t need to have any H&M products to get the voucher. And you can also donate any kind of textile, whether its curtains or knickers (as long as they’re clean and dry) as the fabrics are all recycled.

M&S and Oxfam’s Shwopping Clothes Exchange (£5 voucher)

Hand over your old gear at an Oxfam and you’ll also get a £5 voucher to spend on clothes in Marks and Spencer.

One item must be labelled M&S, and you can only use the voucher in the same calendar month. There’s a minimum £35 spend and it’s only valid on clothing, home or beauty.

I asked in a store a while ago if you can use the voucher with other offers and the checkout woman said she’d seen the vouchers be used with Sparks offers such as 20% off everything. So it’s worth grabbing one of these to use when those deals come around.

You can find your nearest Oxfam and read the full terms and condition of the Oxfam Clothes Exchange.

River Island x ReSkinned (£5 voucher)

This scheme requires you to send at least three items via courier to Reskinned. In return you’ll get a £5 voucher to use on purchases over £40 at River Island stores. They’re only valid for one month from issue, so don’t forget to use them.

Schuh “Sell Your Soles” scheme (£5 voucher)

You can get a £5 voucher to use at Schuh for every pair of shoes you donate. The shoes are donated to Recyclatex with around 98% of materials reused.

You can use your voucher online or in-store on full price items over £25.

John Lewis “Fashion Cycle” (£5 voucher)

Take five items of clothing into any John Lewis store as part of their FashionCycle scheme and you’ll get £5 off Fashion Rental, with a minimum spend of £50. They’ll accept shirts, t-shirts, jumpers, cardigans, jackets, coats, shorts, trousers, jeans, childrenswear, dresses, jumpsuits, skirts and school uniform.

You need to be a member of the free My John Lewis scheme and note that the voucher is only redeemable during the month.

The best deals

Find our picks of the best offers in our dedicated deals library

George (10% off)

You can box or bag up 10 or more unwanted clothes and textiles and donate them at Asda. In exchange, you’ll get a 10% off code to use at George .com.

There are limits on the parcel size (50cm x 30cm x 30cm) and it can’t weigh more than 10kg. You’ll need to check if your local store is participating.

Donate to Cancer Research UK via TK Maxx (no voucher)

You can take a bag of unwanted clothes to TK Maxx who will pass it on to Cancer Research to sell or recycle. Cancer Research UK will keep all the proceeds.

Donate to Zara (no voucher)

Zara will also take unwanted clothes that will be donated to those in need or sold by charitable organisations to raise funds. There’s no voucher for you if you do this.

Best free business bank accounts

Find a free business bank account for your business type

A business bank account is a separate bank account from your personal one that you maintain just for your business. These accounts are more tailored to business banking, so you can integrate accounting tools, make invoices and categorise your expenses. Some accounts are limited to certain types of businesses, so you’ll need to check that your business is eligible to have an account with your chosen bank.

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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Best free business accounts

Free business bank accounts
Sponsored
Customer rating 4.4/5
  • Monthly fee
    £0
  • Cash deposit fee
    Not available
  • Faster payments in/out
    £1
No monthly and no onboarding fee
  • Access Online or via app
  • FSCS Protected? No, funds safeguarded under UK Electronic Money Regulations 2011 (EMRs)
  • Cash withdrawals Unlimited free withdrawals
  • International payments SWIFT, Local payment methods, Card payouts
  • Card issuing fee Yes
  • Integration with accounting tools No,  export transactions to share with your accountant for free 
  • Invoicing tools No
  • Eligible businesses Registered limited companies
  • FX exchange Available
Customer rating 4.9/5
  • Monthly fee
    £0
  • Cash deposit fee
    £1 per deposit
  • Fee for transfers in/out
    £0
  • Access Online or via app
  • Cash deposits £1 per deposit at any UK PayPoint or Post Office
  • FSCS Protected? Yes
  • Cash withdrawals Withdraw up to £1,000 per day
  • Integration with accounting tools Not available - Integration only available with Monzo Pro and above
  • Invoicing tools No
  • Eligible companies Sole traders and registered limited companies

Tide Free Business Account

Customer rating 4.7/5
  • Monthly fee
    £0
  • Cash deposit fee
    0.5% (min £2.50) at Post Office, 3% at PayPoint
  • Fee for transfers in/out
    Free transfers in/out for 12 months
£100 welcome bonus
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals £1 per withdrawal
  • Transfers Transfers cost 20p per transfer after a 12 month promotional period
  • Integration with accounting tools Connect your own accounting software or export transactions to share with your accountant for free
  • Invoicing tools Yes - send 3 per month free
  • Offer details Get £100 in cash when you open a Tide Business Account and spend £1,000 within 60 days of account opening. Use the code BCA100 when you sign up.
  • Eligible businesses Registered limited companies or sole traders
Customer rating 4.9/5
  • Monthly fee
    £0
  • Cash deposit fee
    0.7% (min £3)
  • Fee for transfers in/out
    £0
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals 6 free withdrawals per day up to a maximum of £300
  • Integration with accounting tools Can be connected to accounting software
  • Invoicing tools Yes
  • Eligible companies Limited companies, Limited Liability Partnerships or sole traders

HSBC Small Business Banking Account

Customer rating 3.9/5
  • Monthly fee
    £0
  • Cash deposit fee
    Free
  • Fee for transfers in/out
    Free
  • FSCS Protected? Yes
  • Integration with accounting tools No
  • Invoicing tools No
  • Cash withdrawals Unlimited free withdrawals
  • Access Manage account online, via app, over the phone, in-branch or at the Post Office
  • Fee details No Monthly account fee and free UK digital banking
  • Eligible businesses Available to Small Business Banking customers who are typically small enterprises with borrowing needs of up to £100k and whose everyday banking needs don’t need the support of a Relationship Manager

Mettle Business Bank Account

Customer rating 4.8/5
  • Monthly fee
    £0
  • Cash deposit fee
    £0
  • Fee for transfers in/out
    £0
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals Free
  • Integration with accounting tools Access to FreeAgent and connect to other accounting software
  • Invoicing tools Yes
  • Eligible businesses Sole traders and limited companies with no more than two owners

Wallester Business Account

Customer rating 4.3/5
  • Monthly fee
    £0
  • Cash deposit fee
    Not available
  • Fee for transfers in/out
    £0
  • FSCS Protected? No
  • Integration with accounting tools Sync automatically with Xero and Quickbooks. Other external tools or software can be integrated via API
  • Invoicing tools None
  • Withdrawals £2 + 2%
  • Eligible businesses For businesses of any size or industry
  • Access Online or via app
Customer rating 4.8/5
  • Monthly fee
    £0
  • Cash deposit fee
    0.55% (min £4)
  • Fee for transfers in/out
    Free to receive, send for free three times each month, 35p afterwards
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals £2 per withdrawal
  • Card issuing fee £9.95 one-off fee
  • Integration with accounting tools Connect your chosen accounting software
  • Invoicing tools Yes
  • Eligible businesses Sole traders and limited companies

Virgin Money M Account for Business

Customer rating 3.6/5
  • Monthly fee
    £0
  • Cash deposit fee
    £0.90 fee per £100
  • Fee for transfers in/out
    £0
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals £0.90 fee per £100 withdrawn. Withdraw up to £700 per day.
  • Integration with accounting tools Can be connected to accounting software
  • Invoicing tools No
  • Cashback 0.25% cashback on debit card purchases
  • Offer details You can get 3 months of Xero or Quickbooks for free with a Virgin Money business account.
  • Eligible companies For businesses with an annual turnover of less than £1m

SumUp Business Account

Customer rating 2.8/5
  • Monthly fee
    £0
  • Cash deposit fee
    Not available
  • Fee for transfers in/out
    £0
  • Access Online or via app
  • FSCS Protected? Yes
  • Cash withdrawals 3 free per month, 2% thereafter
  • Integration with accounting tools Can be connected to accounting sotware
  • Invoicing tools Yes
  • Eligible companies Sole traders or limited companies

Do you need a business bank account?

If you’re a sole trader or just earning extra via a side hustle then you don’t need to have a specialist business bank account. You can make do with a standard (and free) personal account.

You don’t have to use the same one you bank with day-to-day. It’s generally best to separate your business money from your personal cash, so it’s best to open a new account — it’s up to you whether you stick with the same bank you use for your personal banking or try a different one. Keeping them separate will be useful when it comes to doing your tax return and working out which purchases were business-related.

But, if you are part of a Limited Company then you’ll have to have a specific business account.

What to look out for when searching for a business bank account

When choosing a business bank account there will be a few differences from regular bank accounts that you’ll want to consider.

Fees

You’ll be more likely to come across fees with these bank accounts. We’ve shown the free accounts above, although this refers to whether there’s a monthly fee. The other fees you might come across include:

  • Initial set-up fee
  • Cash deposit fees
  • Cash withdrawal fees
  • Transaction fees
  • Fees for payments in
  • Fees for transfers out

It’s important to consider what your business is likely going to need. For example, if you take a lot of cash payments, you might be more interested in getting free cash deposits, while a company that doesn’t handle cash much wouldn’t be bothered about cash deposits.

Eligibility

Some accounts aren’t available for all businesses. If you have a Limited Liability Partnership, for example, you’ll have fewer choices when it comes to business bank accounts. Check out “eligible companies” in further details above for an overview. You’ll also want to double-check with the bank directly. Generally speaking, sole traders and limited companies should be eligible for all of the accounts above, although there are often excluded business types.

Cash deposits

Many of the business bank accounts listed above are digital banks, which means there isn’t a high street branch for you to deposit cash into your account, however, most of them will let you deposit cash at the Post Office or using PayPoint. Some have associations with high-street banks — for example, Mettle is owned by NatWest so you can pay in cash at NatWest branches.

Integration

A lot of business bank accounts offer integration with accounting software like Xero or Quickbooks. Or, they’ll offer the option to export your transactions to give your accountant or upload them into your chosen software. If you don’t have accounting software, you probably wouldn’t need this, although it may be useful in the future.

Some business bank accounts come with a free trial of accounting software. While this is worthwhile if you think you’ll need accounting software, remember to cancel it if you don’t think it’s something you’ll need.

The best easy-access savings accounts (August 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.

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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 3.8/5
Editor's comment
This isn't a standard Cash ISA - the money is held in a Qualifying Money Market Fund rather than as cash, so it's a low-risk investment. This means that the FSCS protection is different, as it's got investment protection rather than savings protection. It's worth researching QMMFs to see how you feel about the account.
  • AER (variable)
    4.87%
  • Minimum
    £500
  • Access
    Limited access
  • Maximum withdrawals
    3
Rate includes a 1% boost on top of the standard introductory variable rate, paid after 12 months
  • FSCS Protected? Yes, although as the money is held in Qualifying Money Market Funds (QMMFs), it's covered by the FSCS investment protection, not deposit protection. QMMFs are a type of low-risk investment.
  • Allows transfers in? Yes
  • Flexible ISA Yes
  • Important details Variable rate correct as of 3 August 2026. eToro account required. Your capital is at risk. ISA powered by Moneyfarm. ISA rules. UK residents only. The Cash ISA interest rate is variable and linked to the secure and protected Qualifying Money Market Fund (QMMF) your money is held in.
  • Bonus Rate includes a 1% boost on top of the standard introductory variable rate (3.87%), paid after 12 months
Customer rating 4.7/5
  • AER (variable)
    4.56%
  • Minimum
    £1
  • Access
    Full access
Includes bonus of 0.96% 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 0.96% AER for 12 months for current year subscriptions with a yearly gross rate of 4.47%.

Chip Cash ISA

Customer rating 4.9/5
  • AER (variable)
    4.55%
  • Minimum
    £1
  • Access
    Full access
Rate includes 0.63% bonus for 12 months
  • FSCS Protected? Yes
  • Allows transfers in? Yes
  • Bonus Rate includes 0.63% bonus for 12 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 4.2/5
  • 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

Cynergy Bank Easy Access savings

Customer rating 4.8/5
  • Access
    Full access
  • AER (variable)
    4.55%
  • Minimum
    £1
  • Maximum
    £1m
Rate includes 2% bonus for 12 months
  • FSCS Protected? Yes
  • Bonus Rate includes 2% bonus for 12 months

First Active Instant Access Savings Account

  • Access
    Full access
  • AER (variable)
    4.55%
  • Minimum
    £1
  • Maximum
    £1m
Rate includes 1.45% bonus for 12 months
  • FSCS Protected? Yes
  • Bonus Rate includes 1.45% bonus for 12 months
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

Cahoot Simple Saver

Customer rating 4.2/5
  • Access
    Full access
  • AER (variable)
    4.52%
  • Minimum
    £1
  • Maximum
    £500,000
  • FSCS Protected? Yes
  • Rate details For 12 months only

Saga Easy access savings account

Customer rating 4.8/5
  • Access
    Full access
  • AER (variable)
    4.5%
  • Minimum
    £1
  • Maximum
    £1m
Rate includes 1.59% bonus
  • FSCS Protected? Yes
  • Bonus Rate includes 1.59% bonus for 12 months

Oxbury Bank Easy access savings account

Customer rating 4.2/5
  • Access
    Full access
  • AER (variable)
    4.33%
  • Minimum
    £1,000
  • Maximum
    £120,000
  • FSCS Protected? Yes

Post Office Online Saver

Customer rating 2.6/5
  • Access
    Full access
  • AER (variable)
    4.31%
  • Minimum
    £1
  • Maximum
    £2m
Includes 3.33% bonus for 12 months
  • FSCS Protected? Yes
  • Bonus Rate includes 3.33% bonus for 12 months

Ulster Bank Limited Edition Saver

Customer rating 3.5/5
  • Access
    Full access
  • AER (variable)
    4.3%
  • Minimum
    £5,000
  • Maximum
    £3m
Includes 2.72% bonus for 12 months from £5,000 to £3m. Account is converted to an easy access savings account on 9 September 2027
  • FSCS Protected? Yes
  • Bonus Rate includes 2.72% bonus for 12 months from £5,000 to £3m

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
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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 3.9/5
  • 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 4.5/5
  • 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

Revolut Instant Access Savings

Customer rating 4.8/5
  • AER (variable)
    5%
  • Interest earned
    In separate account
  • Minimum
    £1
  • Maximum
    £25,000
Reverts to 2.9% on 4 December 2026
  • FSCS Protected? Yes
  • Bonus Reverts to 2.9% on 4 December 2026
  • Important details Available for new instant access savings accounts. You need a Revolut bank account to get this offer
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%
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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

GB Bank 150 days notice account

  • AER (variable)
    4.38%
  • Minimum
    £1,000
  • Maximum
    £100,000
  • FSCS Protected? Yes

Earl Shilton Building Society 180 days notice account

Customer rating 4.1/5
  • AER (variable)
    4.27%
  • Minimum
    £5,000
  • Maximum
    £250,000
  • 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
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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.

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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.

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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.

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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 alcohol.

Look in the tables above for banks offering an expected profit rate rather than AER. The main banks are:

Save money on toys: sales, offers and more

Here are the best deals to save money on toys

If we spot any decent offers on kids toys we’ll share them here.

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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Freebies

Lego: free Pokemon build workshop

Children aged between 9 and 12 can join a workshop on 18 August 2026 to build and take home a Lego Pokéball.

Tickets go pretty fast for these events, so sign up quickly if you want to take part. Adults can’t take part without a child.

TGJones: free Beano Comic (ended)

Fans of Dennis the Menace and Gnasher can pick up a freebie at TGJones (formerly WHSmiths) until 23 July 2026. You’ll also get some vouchers for money off additional comics and the Beano joke book.

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The best bank switching offers (August 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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Featured cashback offer
Sponsored
Customer rating 3.7/5
Editor's comment
Subscribers to our newsletter can get an exclusive £18 welcome bonus when joining Quidco and spending £10
  • Bonus
    £18
  • Requirement
    Subscribe to our newsletter
  • Minimum spend
    £10
  • Offer details Subscribers of our weekly newsletter can get an exclusive £18 first-time bonus when they spend £10. You’ll also get the cashback offered by the retailer on top
  • 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

Bank Switches

HSBC £220 switch offer

Customer rating 3.9/5
  • Switch bonus
    £220
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Bonus requirements Switch bank accounts within 60 days of opening the account using the Current Account Switching Service, closing the old account
  • Deposit and spend requirements Deposit at least £2,000 into the account and spend at least £500 with your debit card within 60 days of opening the account
  • Direct debits transferred over Transfer over at least 2 direct debits
  • Existing customers? You can't get the offer if you already have a HSBC or first direct bank accountor have opened one since 1 January 2023

NatWest £200 switch offer

Customer rating 4.7/5
  • Switch bonus
    £200
  • Offer ends
    Unknown
  • Extra perks
    Up to £36 rewards a year
  • FSCS Protected? Yes
  • Bonus requirements Switch using the Current Account Switch Service, close your old account and log on to online or app banking within 60 days of switching
  • Deposit requirements Pay in £1,250 within 60 days of switching
  • Bonus paid Within 30 days of meeting criteria
  • Existing customers? No
  • Restrictions Offer is limited to once per person, cannot have ever received a switching bonus from RBS, Ulster or Natwest and cannot have had a current account on 6 May 2026
  • Eligible accounts Reward, Select or Premier Reward, Premier Select

RBS £200 switch offer

Customer rating 3.9/5
  • Switch bonus
    £200
  • Offer ends
    Unknown
  • Extra perks
    Up to £36 rewards a year
  • Bonus paid Within 30 days of meeting criteria
  • Bonus requirements Switch using the Current Account Switch Service, close your old account and log on to online or app banking within 60 days of switching
  • Deposit requirements Pay in £1,250 within 60 days of switching
  • Eligible accounts Reward, Select or Premier Reward
  • Existing customers? No
  • FSCS Protected? Yes
  • Restrictions Offer is limited to once per person, cannot have ever received a switching bonus from RBS, Ulster or Natwest and cannot have had a current account on 6 May 2026

Barclays £200 switch offer

Customer rating 4.1/5
  • Switch bonus
    £200
  • Offer ends
    Unknown
  • Extra perks
    Free Apple TV (with Blue Rewards)
  • FSCS Protected? Yes
  • Bonus paid Barclays will text you when you’ve met the conditions, then you’ll get the switch reward within 45 working days
  • Eligibility Pay at least £2,000 into your new Barclays Current Account within 30 days of opening
  • Direct debits transferred over Must be completed through the Current Account Switching Service, which moves all payments to a new account within seven working days and closes their old account on the switch day they choose, transferring any money to their new account
  • Existing customers? Only available to new current account customers who download the Barclays app who are also UK residents - if you had a Barclays current account on 9 June 2026, you can't get this offer
  • Eligible accounts Current account with Blue Rewards
  • 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 costs £5 per month.

Nationwide £175 switch offer

Customer rating 4.5/5
  • Switch bonus
    £175
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Bonus requirements Switch using the Current Account Switch Service and close your old account within 28 days of starting the switch and make one debit card transaction within 31 days. The old account must be from a different bank.
  • Deposit requirements Deposit £1,000 within 31 days
  • Direct debits transferred over Transfer two direct debits
  • Existing customers? Yes
  • Restrictions You can't have received a bonus from a switching offer for a sole account already. Offer is limited to once per person per account type, but you can get it on both personal and joint.
  • Eligible accounts FlexPlus, FlexDirect or FlexAccount
  • Bonus paid Within 10 days of the switch completing

first direct £175 bonus when you switch*

Customer rating 4.7/5
  • Switch bonus
    £175
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Bonus requirements Switch using the Current Account Switch Service, make 5+ debit card payments and log on to digital banking.
  • Deposit requirements Deposit £1,000 or more
  • Direct debits transferred over Move two direct debits or standing orders
  • Eligibility New customers only (who have not previously held a First Direct product, or opened an HSBC current account on or after 1 January 2018) (T&Cs apply)
  • Overseas spending No First Direct fees when spending abroad
  • Regular Saver information Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you'll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account.
  • T&Cs Terms and conditions

Starling Bank free SURI Pro 2.0 Toothbrush

Customer rating 4.9/5
  • Switch bonus
    free SURI toothbrush
  • Offer
    11 October
  • FSCS Protected? Yes
  • Bonus You'll get a voucher code for a free SURI Pro 2.0 Toothbrush and UV clean-and-charge case worth £105 (value based on the full price amount, which is subject to change during promotional periods)
  • Requirements Open a new Starling personal current account between 10 August 2026 and 11 October 2026 and complete a full switch using the Current Account Switch Service
  • Existing customers? Not available to existing customers

Premier Bank Account switch offers

Barclays Premier Account

Customer rating 4.1/5
  • Switch bonus
    Signature experience worth up to £600
  • Offer
    27 August 2026
  • Extra perk
    £500 0% overdraft
  • FSCS Protected? Yes
  • Fees None
  • Requirements You must either pay in a gross annual income of at least £75,000, or have a total balance of at least £100,000 in savings with Barclays
  • 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 3.9/5
  • Switch bonus
    £100 supermarket voucher
  • Offer ends
    Unknown
  • Savings account
    8% regular saver
  • FSCS Protected? Yes
  • Bonus requirements You don't need to switch to get the offer — you need to be a new customer of Santander to get it. To get the voucher, you must open an Everyday, Edge or Edge Up account and spend £200 across 4 or more transactions on supermarket grocery shopping each month in September, October & November
  • Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months
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.

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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 investing offer
Customer rating 3.8/5
  • Offer
    free £50 in fractional shares*
  • Annual fee
    £0
  • Investment styles
    Shares, funds or ready-made portfolios
  • Minimum deposit
    $50
Invest in a general investment account or stocks and shares ISA (additional fees apply)
  • FSCS Protected? Yes
  • Interest on uninvested cash 3% on balances up to $50,000, 3.8% on balances over this
  • Fractional shares Yes
  • Foreign exchange fee 0.7%
  • Fund fees If you invest in funds, you'll have to pay fund fees, which cost on average ~0.16% per year, with additional market-spread effects up to 0.05%
  • Offer You need to sign up, verify your account and deposit at least £200 to get the free assets. ISA deposits aren't included in the £200 requirement to get the offer.
  • Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
  • Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.
  • Accounts available General investment account, stocks and shares ISA (additional fees apply)

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.

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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 student discounts, offers and deals

Students can save at Apple, Boots, Amazon and more

Here are the pick of the best student discounts – and you don’t need to be a student for some!

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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Whether you’re a full-time student or just someone with an NUS card (sadly, our loophole where anyone could get one has been closed – though previous Totum cardholders can get an alumni card), there are some fantastic deals to be had! The key is to ask – you never know!

Sadly there are a few discounts only available via MyUniDays or Student Beans, and you can only get those if you have a .ac.uk email address.

We’ve not listed all the different retailers, but you can also save at the likes of ASOS, Office and Foyles. The usual rate is around 10%, but is sometimes boosted to 20% at the start of term.

Here are our favourite discounts – there will be more!

For all students, staff and school children

Some discounts are available for staff working at universities and schools (and you don’t need to be a teacher), as well as for students at schools and colleges.

Apple: discounted Apple products in the Education Store

If you’re heading to University, you can get discounts on Apple products with its Education Store.

To be eligible, you need to verify your student status with UNiDAYS and you’ll be able to access the Education Store. You don’t have to be in your first year either. Plus, teachers or employees of educational institutions in the UK and parents of uni students can get the offer.

For anyone with a student ID

These discounts work with your Uni or college ID or an NUS/Totum card (which includes some non-students).

Boots: 10% off

You can save 10% on your purchases at Boots. You’ll need to have a Boots Advantage card as well as an NUS/Totum card, and you need to connect these at a Boots checkout till.

Since you only need the Advantage card to get the discount, you could share your card with other family members so they also get the money off – though it does mean they won’t earn their own Boots points.

The discount is valid until 31 August each year so you’ll need to reactivate it at the till from 1 September onwards.

This is sometimes boosted to 20%, including at the start of the academic year.

You can also stack it with other deals and offers on the Boots site.

Superdrug: 10% off

You’ll need to sign up to the Health & Beautycard scheme (it’s free), then link your NUS/Totum card or student ID to the account in-store. It’ll then work for the academic year online and in person.

For anyone with a student email address

Ikea: £10 or £20 coupon

Verify yourself as a student at Ikea and get a coupon for £10 off when you spend £75. If you spend £150, you’ll get a £20 coupon. You’ll need to log in or sign up for Ikea’s Family account and fill out the form using your student credentials. You’ll need a student email address, but if you don’t have one yet you can use alternative documents.

The offer runs until 25 October 2026, and you can only use the discount once.

For students with MyUniDays

Spotify: 46% off

DetailsYou can save 46% on Spotify Premium. That’s £5.99 a month rather than £11.99. This version gets rid of adverts and lets you take songs offline to your phone or tablet, meaning you don’t need wifi or your data.

Our podcast

Listen to Cash Chats, our award-winning podcast, presented by Steve Alderton and Editor James Andrews.

Episodes every Monday.

For students with official student ID

Amazon Prime: six months free then 50% off

You can get Amazon’s delivery and streaming service free for six months as a student (or 18-22 year old). Then after that you can get a full annual Amazon Prime subscription for £4.49 a month, for three years.

Or you can pay £47.49 annually, saving a little extra.

The easiest way to get this is using an academic email, though there are other ways to verify student status. Sadly Totum cards are no longer accepted.

Watch out for other Amazon Student offers throughout the year, such as money off codes at Black Friday or Prime Day.

Train and tube travel

The 16-25 Railcard or 26-30 Railcard is a great way to cut the cost of train travel. Mature students outside this age range need proof they are studying with a form completed by their Uni or college. There are often deals to get discounts on these and other railcards.

If you travel by tube and live in London during term time you can get an 18+ Student Oyster card. This saves 30% on travel in the capital.

There are also bus and coach student passes.

0% balance transfer credit cards explained

The pros and cons.

Balance transfer credit cards can be a useful way to help clear debts. But there are dangers with using one if you don’t follow the rules.

This Be Clever Basics guide is going to explain how 0% balance transfer cards work so you can find out if one is right for you.

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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What is a 0% balance transfer credit card?

Got credit card debts? Chances are you’re paying around 25% in interest on the money you’ve borrowed, if not more. This adds up quickly, making your spending more expensive. And if you’re spending on credit cards in the first place it’s probably because you can’t afford what you’re buying – so extra charges aren’t welcome!

But if you get a 0% balance transfer card, you can move the debt from other credit cards to it, and crucially not have to pay interest for an agreed time. At the moment this can be as long as 36 months – that’s three years.

The idea is that you use this time to clear the debt without adding to it, saving you money in the long run. If you’ve other debts, it might also give you a little breather while you clear those.

How much money you could save

Obviously it depends on how much you owe right now, the interest you’re being charged, and the card you get.

But let’s take a few examples. These are with set repayments each month. If the interst rate is higher or if you’re just paying the minimum your savings would be much larger!

Debt = £3,000

If you have £3,000 at 24.9%, and you’re paying a fixed £100 back each month, it’d take you 3 years and 9 months to clear the debt and cost you £1,444 in interest.

But switch the debt to a 0% card with at least 28 months and continue paying £100 a month you’d pay zero interest!

Yes, you need to factor in the transfer fee – if it was 3% it’d be £90 – but you’d still be £1,354 better off!

Debt = £1,000

If you owe less, say one grand at a lower interest rate of 18.9% but with a £50 set repayment each month, you’d take two years to clear the debt and pay £190 in interest.

But putting it on a 0% card for at least 21 months would reduce that interest payment to nothing. You’d just need to cover a transfer fee, which assuming 3% would be £30. That’s a total saving of £160.

What to watch out for with 0% balance transfer cards

The 0% time will end

Once the 0% offer period ends, the interest rate goes up to a normal – if not higher than normal – one. So the idea is to use that 0% time to clear the debt.

There’s often a fee

As mentioned, you will usually have to pay a fee on the total balance you move over. So a 3% fee on a £3,000 balance transfer would be £90.

Though there are cards with shorter 0% lengths which don’t charge and these can be better options if you are confident you need less time to clear the debt.

You usually have to make the transfer early

Once you’ve got the new card, most transfers need to be made within the first two or three months in order to get the 0% rate. Leave it too late and you’ll get a much higher rate, defeating the purpose of the switch.

You still need to make a monthly payment

If you don’t make the minimum repayment each month, the special 0% deal could be ended early, meaning you’ll start paying high rates of interest again. Set up a Direct Debit to make sure you don’t forget.

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You might not get the advertised deal

Credit card companies want to make money from you, but they also want to be sure they won’t lose money on you. If you do get accepted, you might not get the full deal. You could be offered a shorter 0% deal, the rate of interest after the 0% could be higher. 

Applying can be bad for your credit score

And of course there’s the risk you could also be rejected outright. If you do get rejected it’s not just bad for your debt, it’s bad for your credit rating too.

To help the card company make that decision, they’ll run a credit check. To get an idea of whether you’ll be accepted, try a soft check on a comparison site. It’ll look at your credit report but not leave a trace.

You might not be able to transfer your entire credit card debt

Let’s say you’re successful and get the 0% balance transfer card. Great. But there’s no guarantee that the credit limit (i.e. the amount you can have on the card) will be the same or more than your current debt. 

Additional spending will not be 0%

Unless you have a card which specifically has a 0% purchase offer in addition to the 0% balance transfer you will get charged interest on any additional spending.

They aren’t the answer if you don’t think you can clear the debt over time

If your only debt is the card debt, balance transfer cards are a big help. But if your wider finances are in a bad shape and you don’t think even a year or more on a 0% card will help you clear your debts, then you’re just delaying a bigger problem. Really you need to get some free debt advice. Read more about what you can do if your debts are getting too big

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How to make a 0% balance transfer card work for you

Plan for how to pay off the debt

Say you’ve got a £1,000 debt and you transfer it to a 25 month 0% deal, you should try to evenly pay it off each month. That would be £40 every month.

Or even better, pay as much as you can afford each month to clear it sooner. Even though you’re not paying interest on the debt during the 0% period, you don’t know if something could happen later that stops you from paying your planned amount.

Decide if a longer deal or lower fee is better

Don’t go for a long balance transfer deal if you don’t need it. Instead you might be better off picking one with a low fee – or even one that is fee-free.

Of course the lower the fee, the shorter the deal, so the best bet for you really depends on your circumstances. If you need a long time to pay off the debt, a longer deal could suit you, even if the transfer fee is higher.

Shop around

I’m often getting junk mail through the post from my existing banks offering a balance transfer deal. These might be decent, but don’t just jump at the first one you see. Shop around and see what the best offer is out there.

Try not to keep moving the debt

Some people transfer the debt to a new 0% card each time the deal ends. And again. And again.

It’s potentially risky as you might get rejected for a new card. Plus since you generally have to pay a fee each time you transfer, it could cost too.

If you think you won’t be able to clear the debt, consider a longer 0% period for the card.

Don’t spend on your balance transfer card

New spending doesn’t just add to the previously transferred balance. It’s a new debt so interest won’t be 0%. So to avoid this look for a better spending card. If it has to be a credit card, then you can get a 0% purchase credit card which does the same thing but for new spending, or an all-rounder which has 0% on transfers and purchases.

If you do spend on a balance transfer card, try to clear that full amount at the next billing date. The most expensive debt is cleared first, so any monthly payments you make will go to clearing this new spend first. But if you don’t pay off enough to cover the new spending, you’ll get charged interest on it.

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