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.

Freebies

TGJones: free Beano Comic

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.

Smyths: free Pokémon Lego Build and Make

If you visit a Smyths store on 1 August 2026, you can get a free Pokémon LEGO set to build and take home. Each customer can build one each, while stocks last.

The best easy-access savings accounts (July 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)
    4.56%
  • 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 0.77% bonus for 12 months
  • FSCS Protected? Yes
  • Allows transfers in? Yes
  • Bonus Rate includes 0.77% bonus for 12 months

Hargreaves Lansdown Cash ISA

Customer rating 4.3/5
  • AER (variable)
    4.52%
  • Minimum
    £1
  • Access
    Full access
  • FSCS Protected? Yes
  • Transfer in existing ISA? No

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
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

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

Cahoot Simple Saver

Customer rating 4.1/5
  • Access
    Full access
  • AER (variable)
    4.32%
  • Minimum
    £1
  • Maximum
    £500,000
  • FSCS Protected? Yes
  • Rate details For 12 months only

Post Office Online Saver

Customer rating 2.5/5
  • 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 3.9/5
  • 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

thisbank Triple Access Savings Account

Customer rating 4.7/5
  • Access
    Limited
  • AER (variable)
    4.28%
  • Minimum
    £1,000
  • Maximum
    £5,000
  • FSCS Protected? Yes
  • Withdrawals allowed You can make up to three withdrawals per 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

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%

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

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 alcohol.

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

Book offers & deals

This is where we’ll share top deals to save money on books

You know the feeling when you get a great book. And it’s even better if you’ve managed to get that paperback or hardback on a special offer or deal.

If you want to read some of our general tips to help you save money on books, then check out this article. For specific offers or launches of big titles we’ll share details below.

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.

eBook offers

Kindle deals

There are so many ways to save on Kindle books, We’ve written this separate guide.

Audiobook offers

Apple Books: free children’s audiobooks

Apple is offering more than 50 free children’s audiobooks until 21 July 2026 to celebrate the National Year of Reading. You don’t have to do anything to get them — just go into the Apple Books app, head to audiobooks and you’ll see a banner that will take you to the offer.

Once they’re in your library, they’re yours for good.

BookBeat: 90 day free trial

You can 30 hours of free audiobooks via this offer for new BookBeat users.

After the trial it’ll cost £5.99 a month for 20 hours of listening with the basic plan, you’ll pay more for plans with further hours. You can cancel anytime.

Audible deals

We’ve a separate page for Audible deals, and a guide to how to save money with the service too.

Spotify deals

Premium Spotify users can get 15 hours of audiobooks every month. Here are the top Spotify deals.

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.

Gardens

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

This offer is back again this year. 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 in shops or online.

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

Free Horse Racing tickets via Reach

You can get free tickets to see Horse Racing at various locations until 30 August.

Locations are:

  • Ayr (Tuesday 21 July)
  • Leicester (Thursday 23 July)
  • Haydock Park (Sunday 30 August)

You can get up to 2 tickets until 2,000 tickets for each event have been claimed.

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.

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

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

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.

Tennis for Free: free sessions for kids and adults

Tennis for Free is offering free tennis sessions at a number of locations across the UK. Sessions are usually at the weekend and last about an hour. Some are for kids aged 12 and above, while some are for all ages, and they’re more about having fun than professional coaching.

All abilities are welcome and equipment is provided for the sessions.

Once you’ve found a venue near you, you’ll need to sign up for an account and book a slot online. If there’s not one near you yet, keep checking, as there are more coming soon!

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.

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.

Open House London – September 2025 (ended)

From 13 to 21 September 2025 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 20 August 2025. 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.

Best credit card offers and promotions (July 2026)

The best offers and promotions for credit cards from 0% interest through to introductory bonuses.

Used responsibly, credit cards can help you earn money on purchases, give you stronger consumer protections, make holidays cheaper, help you clear debts or spread the cost of a big purchase. 

Everyone’s situation will be different, so these are just the best cards out there – you might have to settle for a shorter deal or lower rate of cashback.

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.

Cashback card welcome bonuses

When you’re opening a card, especially a cashback or rewards based card, it’s worth seeing if there’s a welcome offer. And even better, checking to see if it’s boosted.

Santander: get £40 in Uber vouchers when you sign up for its cashback credit card

From 9 July 2026, new Santander customers who open a Rewards Credit Card can get up to £40 in Uber vouchers.

To get the first £20, you need to do the following within 30 days of opening your Rewards Credit Card:

  • Activate your card
  • Add it to your digital wallet – Apple Pay, Google Pay, Samsung Pay or Garmin Pay
  • Make at least 10 purchases using either your digital wallet or physical card
  • Have your Rewards Credit Card open until Santander invites you to claim your voucher

For the second £20, your Rewards Credit Card must stay open for 30 days after you claim your first £20 Uber Voucher.

Santander will check your account 30 days after you open it. If you meet the offer criteria above, they’ll email you a unique voucher code within 30 days. You’ll have 3 months to use it.

Best American Express welcome offers:

We’ve more details on the latest offers in our dedicated guide to American Express offers, but here are the top picks for the bonus available for new cardholders.

Boosted Amex welcome offers

Amazon: £50 welcome offer

You’ll get a £40 Amazon Gift Card if approved, plus activate your Amazon Barclaycard in the Barclays or Barclaycard app* for an extra £10 Amazon Gift Card.

You’ll also earn 1% at Amazon and 0.5% elsewhere, dropping to 0.25% after a year.

Existing Barclaycard customers can apply to switch from their current card to the Amazon version, but will lose any existing card benefits.

Barclaycard Rewards: Boosted 1% cashback for 12 months when you apply in-app (ended)

Barclaycard is boosting the cashback on purchases to 1% for 12 months if you apply in app and 6 months if you apply using Barclaycard.co.uk, Barclays.co.uk or a comparison site.

The cashback rate reverts to 0.25% after the promotional period ends. T&Cs and exclusions apply.

There are no fees for using this card abroad.

The offer ends 10am on 28th May 2026.

Virgin Atlantic: Up to 36,000 bonus welcome points (ended)

Virgin Atlantic has two offers running. Up to 36,000 points on its Virgin Atlantic Reward+ Credit Card (which comes with a £160 annual fee) and up to 6,000 points for its Virgin Atlantic Reward Credit Card (with no annual fee).

The Reward+ card offers 18,000 welcome bonus points with your first card spend, made within 90 days of taking out the card. An extra 18,000 bonus points if you apply by 18 May 2026 and spend £3,000 or more within 90 days of taking out the card. You also get 1.5 Virgin Points for every £1 spent on everyday purchases and 3 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. There’s also a flight upgrade or companion ticket if you spend £10,000 or more a year on purchases. Terms apply.

The Reward card offers 3,000 welcome bonus points with your first card spend, made within 90 days of taking out the card and an extra 3,000 bonus points if you apply by 18 May 2026 and spend £1,000 or more within 90 days of taking out the card. As an ongoing rate it offers 0.75 Virgin Points for every £1 spent on everyday purchases and 1.5 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. You get a flight upgrade or a companion ticket if you spend £20,000 or more a year on purchases. Terms apply.

Offer ends 18 May 2026. 

Santander: no fee for first year of Edge credit card (ended)

Those with a Santander current account can get the Edge credit card without its usual £4 monthly fee for the first year. The card lets you earn 1% back on your spending, up to £10 per month, giving you a cap of £6 oer month that you can make with the account, but with this offer, you can save £48 per year and make up to £120 in cashback. We have a full review of the Santander Edge credit card with all the info on cashback you can earn.

To get it, you need to open a Santander Edge credit card between 11 November and 13 January 2026, set up a Direct Debit and use your credit card 10 times or more over the first 3 months to qualify.

For this, you’ll get £48, which will cover the monthly fee for the first year.

Barclaycard Avios: boosted welcome offer (ended)

The usual 25,000 welcome Avios is boosted until 15 January 2026 on the Barclaycard Avios Plus credit card.

In addition you can get 10,000 more points and a year of Apple TV.

To get all the points you need to spend £6,000 in the first six months. This spend will also earn you another 9,000 points, giving you a total of 44,000 points, which is worth £220 if converted into Nectar points.

However, the card does come with a £20 monthly fee. You could cancel the card once you’ve hit the threshold to reduce the impact on your profit.

Existing Barclaycard customers won’t be able to apply.

John Lewis: double points for 60 days

If you apply for a new John Lewis Partnership card you’ll get double points at John Lewis or Waitrose for the first 6 days, meaning you’ll get the equivalent of 2.5% back.

After this, you’ll earn 1.25% back (5 points per £4 spent) in Waitrose or John Lewis. You’ll get 0.25% back (1 point per £5 spent) at all other retailers.

There’s no end date for this deal.

M&S: 5x points for six months

If you apply for a new Marks & Spencer credit card, you can get five points on M&S spending instead of one, for six months. Every £100 spent gets 500 points which works out as £5 as a voucher.

There is no closing date for this offer but the terms and conditions state it can be withdrawn at any time.

Best 0% Purchase & Balance Transfer welcome deals

Before you get a 0% balance transfer card make sure you read my guide to how to properly use them to reduce the cost of debts.

Bonus cashback: Up to £25

Cashback sites Quidco and TopCashback offer between £20 and £30 to successful applicants for credit cards from Tesco, TSB, HSBC and Barclaycard. Rates can change, so check out both sites.

For balance transfer cards this could work out better than the no-fee option. So, for example, if the transfer fee is 0.9% and you transfer £2,222 or less then the cashback you earn will wipe out the fee.

These rates can change so it’s worth checking each site to see which pays the most.

New to cashback sites? Get an additional bonus of up to £20

Quidco new members can get £18 when they spend £10, while TopCashback new members can get £20 when they spend £10. Find out how to get these bonuses

Best fee-free travel welcome deals

Most credit cards are expensive to use overseas, but a few are fee-free on transactions and withdrawals.

Best credit building credit card welcome deals

If you’ve got a poor credit rating then spending on a credit card and then clearing the debt completely each month can help boost your score.

I’ve written in detail about this type of card, so make sure you check it out.

Barclaycard Forward: £15 cashback

If you’re eligible for the Barclaycard Forward card, then you can apply via Quidco to get £15 cashback.

Tesco Foundation: £25 cashback

You can get £25 cashback when applying for the Tesco Foundation card via TopCashback.

Get paid to switch bank

Check out the latest bank switching incentives, plus the current accounts with the best rewards, cheapest overdraft and highest interest.

best bank switching offers

Expired deals

Asda Money: up to £50 cashback (expired)

If you open a credit card with Asda Money by 6 January 2025 then you can get 5% back in your Asda Pounds in your first 60 days, up to £50.

You’ll also earn 0.75% on your Asda spend and 0.2% everywhere else.

This is only available for new customers, or those who’ve not had an Asda credit card in the last 12 months. You’ll need to stay within the terms of your credit agreement to get the Asda Pounds.

It’s worth noting that recent offers have paid more, with £50 or £100 available in cashback in 2024.

Virgin Atlantic Reward+: Up to 36,000 bonus points boost (ended)

If you collect Virgin Points rather than Avios, this offer until 13 October 2025 will earn you double the usual welcome points when you spend £3,000 within the first three months.

CardFeeRequirementWelcome bonusBoosted points
Virgin Atlantic Reward+£160 a yearSpend £3,000 within 90 days18,00018,000

You’ll get 18,000 points with your first purchase with this card, and then another 18,000 when you spend £3,000 in the first 90 days of having the card. You also need to link your Flying Club number to your credit card by 11 January 2026.

You’ll be eligible for the offer as long as you’ve not held this Virgin Atlantic card in the last six months. If you have the free version of the card you will be able to get this offer.

With the card, you earn 1.5 Virgin Points for every £1 spent on card purchases and 3 Virgin Points for every £1 you spend directly with Virgin Atlantic or Virgin Holidays.

The offer ends on 13 October 2025.

Is it worth it?

This is a significant boost on the previous one last Spring.

Bear in mind there’s a £160 annual fee, and you won’t get a refund if you cancel it after getting the bonus.

You can use the points against flights, as well as on the Virgin Red site, including for train tickets or gift cards at Costa, Nike and Pizza Express. You’ll get half a penny (0.5p) per point, so those 36,000 points will be worth £180.

You can also swap for things like Virgin Wine and Greggs’ sausage rolls!

HSBC: 0% purchase card plus £60 cashback offer stack (expired)

With the HSBC Purchase Plus card, you can get £35 cashback from Quidco when you apply and use the card within 90 days. If you’re not on the Premium level of Quidco (£1 a month – more here), that this drops to £25.

And on top of this HSBC will give £25 cashback if you spend £100 on the card once accepted. That part ends 16 December 2024.

The card itself offers up to 20 months of spending at 0%, and up to 17 months for a balance transfer, with a fee on the latter of 3.49%. If you use the card for purchases you must pay off at least the minimum each month, even though it’s at 0%.

Remember, even though you need to go via Quidco to get this offer, you should check your eligibility first on the HSBC site. If you decide to proceed with the application, close the HSBC website down, and start again via Quidco.

If you’re new to Quidco, you could get up to £20 as a welcome bonus as well, though you’ll need to you use this for other shopping as it requires a minimum spend.

Barclaycard: £20 bonus and £15 cashback (expired)

With the Barclaycard Platinum credit cards, you can get £15 cashback from Quidco when you apply and use the card within 90 days.

And on top of this Barclaycard will give £20 cashback if you spend £500 on the card once accepted. That part ends 6 February 2025.

The card itself offers up to 22 months of spending at 0%, and up to 19 months for a balance transfer, with a fee on the latter of 3.45%. If you use the card for purchases you must pay off at least the minimum each month, even though it’s at 0%.

Remember, even though you need to go via Quidco to get this offer, you should check your eligibility first on the Barclaycard site. If you decide to proceed with the application, close the Barclaycard website down, and start again via Quidco.

If you’re new to Quidco, you could get up to £20 as a welcome bonus as well, though you’ll need to you use this for other shopping as it requires a minimum spend.

Halifax Clarity: £20 cashback (expired)

Sign up for a new Halifax Clarity credit card and make a transaction within 90 days to get a £20 bonus added to your card.

The Halifax Clarity won’t charge you for spending or using an ATM, but it will charge interest on cash withdrawals.

Yonder: 6 months free (expired)

If you sign up for Yonder, you can get yourself 6 months free (usually £15 per month). 

Yonder is a reward credit card that lets you earn points to dine out (mainly in London). Travel insurance is included. A nice draw is that it doesn’t necessarily check your credit report as it prioritises open banking data when making a decision on accepting or rejecting your application.

You don’t have to stick around after the free trial and cancel before the 6 months are up. 

Travel deals

From flights to trains to taxis, here are some great travel deals, discounts, voucher codes and offers we’ve uncovered.

Sometimes there are offers to get discounts on trains and taxis, and often we share motoring deals and petrol offers here too.

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.

Petrol and motoring deals

Asda: get 5p a litre off if you spend £40 in store

From now until July 31, anyone spending £40 or more in-store at Asda can get 5p a litre off petrol and diesel when filling up at an Asda fuel station.

You have until Friday, August 7, to use the voucher.

To take advantage of the offer you need to have signed up to Asda rewards and use your account when making the purchase.

The money off coupon then automatically appears in your Asda Rewards app and can be redeemed by scanning your Asda Rewards barcode, followed by the coupon, at the pump or kiosk.

The money-off deal will work at all 321 of Asda’s fuel stations nationwide.

Barclays/Tesco: get 5% cashback on fuel

From 1 May to 31 July 2026, Barclays customers can get 5% cashback on fuel from Tesco fuel stations. You can get cashback on purchases between £5 and £200, and you need to use a personal Barclays debit card to get it. Cashback is capped at £10 per month – so you can earn on up to £200 of fuel.

With Unleaded currently costing an average of £1.57 per litre, if you usually spend less than £200 on fuel in a month, you’re bringing the average cost per litre down to £1.49.

Barclays currently has a switching bonus of £200, so you can earn a little extra cash on a switch and save money on petrol.

Halfords: Free 10-point car check and £5 voucher

If you join the Halfords Motoring Club for free, you can get a free £5 voucher to spend online or in-store at Halfords and a free 10-point car check, worth £15. 

There’s a Premium tier for £49 per year that gets you your MOT (worth £44.99), 2 10-point car checks, a free fitting of wiper blades or headlights and 5% off at the autocentres and in-store. 

This is generally a pretty good deal, but definitely worthwhile if you’re having enough work on your car to make the most of the 5% off, don’t know how to change your headlights or windscreen wipers and would usually do your MOT at Halfords. 

Bus, tube and tram deals

TFL – Free Santander Cycle rides in London

Every Sunday in July you can pick up a Santander Cycle – including e-bikes – to get about in London for free.

You can have as many 60 minute rides as you like, but each Sunday has a different code to get you access to the bike.

The codes are:

  • 5 July – CYCLEJULY5
  • 12 July – CYCLEJULY12
  • 19 July – CYCLEJULY19
  • 26 July – CYCLEJULY26

Simply download the Santander Cycles app or head to a bike docking station to pick up your ride on the selected date,

£3 bus fare cap

Bus fares have been capped at £3 one way in England from January 2025. Not all bus companies are taking part – you can see a detailed list of the companies and routes here.

Train deals and discounts

Train & railcard discounts

From £5 off through to flash sales, we’ve listed the best train ticket savings in a separate deals page here.

Flight deals and discounts

We’ll update here with any decent sales when they happen. Also, read our guide to saving money when booking flights.

British Airways: Up to £200 off last-minute holidays

People booking Spring holidays before midnight on Tuesday 26 May can get up to £200 off thanks to a British Airways sale.

Savings apply to new Flight + Hotel or Flight + Car Holiday Package bookings from for travel between 26 May 2026 and 24 July 2026 inclusive. 

You need to depart from London Gatwick, London Heathrow or London City airports to destination in Greece, Cyprus, Turkey, Malta, Morocco, Portugal and the Canary Islands where holiday packages are offered to qualify.

EasyJet: Spring Sale – Thousands of seats for less than £40

EasyJet has launched its spring event – offering thousands of tickets for less than £40 and some for under £20. The deals run for flights in May and June.

A quick check showed flights at £19.99 to Amsterdam, Malta or Milan for £25.99, Berlin for £31.99 and Copenhagen for £28.99.

There are limited seats on these flights but there are a few options per destination, for example the £19.99 Amsterdam flight takes off on June 9 from Gatwick airport at 6am and 5pm, but there’s also two £19.99 flights on June 16 for the same price. Other dates or times of day could cost you as much as £69.99 for the same trip.

You also need to watch out for add-ons, with that £19.99 flight price soaring to as much as £105.96 if you want hold luggage, speedy boarding, and a large cabin bag too.

But if you’re flexible about destinations and timings, there are some great bargains to be found.

Wizz Air: All You Can Fly subscription (expired)

If you travel a lot, then this new membership from Wizz might appeal. You’ll pay £599 a year for unlimited flights.

In sounds good, but there are a number of catches:

  • Booking only starts in September 2024
  • There’s an extra 9.99 Euro fee on each flight
  • You can only book seats on flights that depart in the next three days, making return trips a little risky
  • It doesn’t include handheld or checked bags (so they’re extra)
  • Only one personal item is included (max. size 40 x 30 x 20 cm)
  • If you miss three flights your membership will be cancelled without a refund
  • It’ll automatically renew each year unless you cancel

Overall it sounds like more hassle than it’s worth, especially when you consider there are cheap tickets available in advance from Wizz and other airlines.

However, if you’re retired or have the flexibility to travel regularly and at the drop of a hat, it could be worth a look.

Ryanair: Flash sale – Flights from £19.99 or less (ended)

Ryanair has slashed the price of hundreds of flights to just £19.99 or less – but only until the end of Thursday, May 14. The sale covers flights from now until the end of June.

A quick check showed flights at or under £19.99 to destinations in Italy, Spain, France, Croatia; Portugal and more from London Stansted; people flying from Manchester can also pick form destinations including Denmark, Germany, Sweden, Croatia; Poland and Belgium; while those taking off from Edinburgh can pick between places like Denmark, Italy, Sweden and Spain.

There are limited dates for the deal, which only covers flights between now and the end of June 30th, but it could be perfect for a last-minute getaway. It’s also worth saying these flights are one way, although there are also deals for similar prices on return flights – if you can find one that suits you.

At the time of writing, for example, there was a £15 flight from Edinburgh to Copenhagen available on June 16, and a return flight on June 17 for £15 too. Or, if you want more than a few hours in the Danish capital and are willing to spend £4 more, you could pick up a flight out to Copenhagen on June 14 for £19 and have three days until you have to fly back.

Taxi and minicab deals

Money off your first Uber journey

Use the code 5ngkw on the Uber app to get a discount on your first ride. This is for first-time users only.

The best debit and credit cards to use abroad

Trading 212, Monzo, Lloyds, PayPal, Halifax Clarity and more travel cards compared for overseas spending

If you’re heading out of the UK, using the wrong card for spending and cash withdrawals will mean you’re hit with extra fees on every transaction.

The good news is there are a decent number of debit and credit cards which offer near-perfect exchange rates. Here’s our guide to the top specialist travel cards.

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.

Our top travel debit cards

The cheapest cards are usually specialist debit cards that come via specific current accounts. You don’t have to switch banks to get these – you can simply open up a brand new extra account, and many won’t perform hard checks on your credit report either.

If this is an extra account you get just for holidays, it’s easy to transfer money across, whether as a lump sum or as you go along, using your online or app banking. Or of course, it could be your main current account where your salary is paid each month.

A benefit of debit cards over credit cards is you won’t get charged interest to take cash out of an ATM, though as you’ll see a couple do have monthly limits on your fee-free spending or withdrawals.

It used to be there were only a handful, but there are quite a few to choose from. However, since Chase ended the cashback on overseas spending, there’s not really much to choose between the bulk of them. Here are our top picks.

Top pick: PayPal+

The new PayPal debit card offers 1% back at home and abroad with no limits or fees, making it out top pick. If you spend more than £25,000 over a calendar year, the points you earn can be boosted to 1.5% as well as access to further cashback deals. You can also withdraw money for free.

PayPal+ debit card summary

Spending overseasFee-free (Mastercard rate)
Cash withdrawals overseasFree
Other benefits1%
Card delivery chargeNone

Top pick: Trading 212 card

The Trading 212 debit card pays 1.5% cashback on purchases at home and abroad if you auto-invest your cashback. and pay one subscription.

Trading 212 debit card summary

Spending overseasFee-free (Mastercard rate)
Cash withdrawals overseasFree, but contactless only
Other benefits1.5% cashback on all spending (capped at £15 a month)
Card delivery charge£4.95
Welcome offerFree fractional share worth up to £100*
BankFree spending?Free cash withdrawals?Credit checkExtra infoReviewsSmart Money People customer score
Top for cashback
PayPal+YesYesNoPayPal+ review
Trading 212Yes, interbank rate£340 a day (if the ATM is contactless)Soft1.5% cashback if meet conditions

£4.95 charge for physical card
Trading 212 card review4.91 out of 5
Top picks for specific countries
ChaseYes, Mastercard rate£500 a day and £1,500 a calendar monthSoftNo charges at Chase machines in USAChase Bank review4.94 out of 5
Santander EdgeYes, Mastercard rate£300 a dayHardNo extra charges on Santander machines

£3 monthly fee (usually offset by other benefits)
our Santander Edge review3.73 out of 5*
Decent options
First DirectYes, Mastercard rate£500 daily limitHardour First Direct review4.68 out of 5
Halifax RewardYes, Mastercard rate£800 daily limitHard4.35 out of 5
HyperJar (prepaid card)Yes, Mastercard rateNo cash withdrawalsSoftNot a current account, so no FSCS protectionNot yet reviewed4.87 out of 5
KrooYes, Visa rate£200 limit per monthSoftATM charges will apply from 30 April 2025our Kroo review4.89 out of 5
Club LloydsYes, Mastercard rate£800 daily limitHardour Club Lloyds review4.39 out of 5
MonzoYes, Mastercard rate£400 (Europe) / £200 elsewhere every 30 rolling days / Unlimited if Monzo is your ‘main bank’Softour Monzo review4.92 out of 5
StarlingYes, Mastercard rate£300 daily daySoftour Starling review4.94 out of 5
Virgin Money M PlusYes, Mastercard rate£500 daily limit HardCan be opened and managed in-branch or via the phoneour Virgin Money M Plus review4.15 out of 5
*whole bank score

The following are also fee-free but only worth considering if you’re an existing customer or looking for extras like rewards and travel insurance.

  • Cumberland Building Society: fully fee-free but requires a £750 a month deposit to the account. Hard credit search
  • Halifax Ultimate Reward: a packaged account with travel, breakdown and gadget cover that’s got free spending
  • Santander (other accounts): you won’t be charged for cash withdrawals only if you use a Santander machine outside the UK, but you will pay for spending
  • TSB Spend & Save Plus: fee-free spending and the potential to earn £5 cashback a month, but has £3 monthly fee

Andy’s Top Tips

When you’re using one of these top travel cards, you’re often best paying in the local currency. If you pay in sterling, it’ll be swapped over at an exchange rate of the local bank’s choosing – which won’t necessarily be in your favour!

Also, though many of the cards we’ve mentioned are fee-free to use in ATMs, that doesn’t mean the local bank won’t add its own fee. So you’ll need to research for any that don’t do this in your destination, or plan ahead by making as few withdrawals as possible.

Our top travel credit cards

Specialist credit cards can be great for overseas spending as long as you pay off the debt before any interest is charged.

Credit cards are particularly handy for things like hiring a car or putting deposits down on hotel rooms. The money can be held on these without leaving your account. You’ll also get Section 75 consumer rights protection.

With all credit card applications, make sure you check your eligibility first if you can. And remember to clear the balance completely every month to avoid interest charges.

Top pick: Lloyds Ultra

This Visa card from Lloyds is our top pick for credit cards. It offers fee-free spending and, unusually, ATM withdrawals – and there’s no interest on cash you take out. However, it’s still better for your credit report to use a debit card for cash.

There’s also 1% cashback on purchases at home and abroad in the first year, decreasing to 0.25% afterwards. That’s great for holiday spending but there are better alternatives for spending in the UK.

You can read our full Lloyds Ultra credit card review for more details

Lloyds Ultra credit card summary

Spending overseasFee-free (Visa rate)
Cash withdrawals overseasFree, though will show on credit file
Other benefits1% cashback on all spending in year one
0.25% cashback on all spending from year two onwards
Card delivery chargeFree delivery

Runner up: Barclaycard Reward

This card from Barclaycard is very similar, just without the higher 1% rate for the first year.

However, if you do get this you won’t be able to get another Barclaycard, such as the Avios earning options.

Barclaycard Rewards credit card summary

Spending overseasFee-free (Visa rate)
Cash withdrawals overseasFree, though will show on credit file
Other benefits0.25% cashback on all spending
Card delivery chargeFree delivery

Other fee-free credit cards

CardFree spending?Free cash withdrawals?Credit checkExtra infoReviewsSmart Money People customer score
Best for cashback
Lloyds UltraYes, Visa rateYesHard1% cashback in year one, then 0.25%Lloyds Ultra credit card review
Barclaycard RewardsYes, Visa rateYesHard0.25% cashback
Other cards for cashback
Virgin Money Everyday Cashback credit cardYes, Mastercard rateNo (avoid)HardEarn 0.25% per £1, capped at £15 a month3.8 out of 5
Santander Rewards credit cardYes, Mastercard rateNo (avoid)Hard3% cashback in first year on limited categories (including petrol, eating out), then 0.25%

Requires Santander current account
Santander Rewards credit card review3.75 out of 5*
Natwest Travel credit cardYes, Mastercard rateNo (avoid)Hard1% cashback on hotels, planes and other travel4.84 out of 5*
Virgin Atlantic Reward credit cardIn Europe, Mastercard rateNo (avoid)HardEarn 0.75% Virgin points per £13.8 out of 5
Yonder credit card (free version)Yes, Mastercard rateYes, up to £150 a day (but it’ll still show on credit report)Hard, but uses open banking tooEarn points that can be used to redeem rewards4.95 out of 5
Other fee-free cards
Halifax Clarity credit cardYes, Mastercard rateYes, but interest is addedHard4.11 out of 5
*whole bank score

Best smart travel spending cards

These cards aren’t normal debit cards, though they work just like one when you’re spending. You actually connect your existing current account or card to them via open banking. The conversion is made by the smart card at their exchange rate, which then takes the money from the underlying bank in pounds.

This makes it cheaper to spend overseas through other bank accounts that would normally be very expensive. They can be a great backup card, or even your primary travel spending card if you really can’t be bothered to go through the hassle of opening new accounts. There’s also no credit check.

Sadly, changes to Curve, our previous top pick, means it’s really not worth it. However, you can still get these features from Currensea.

Top pick: Currensea

With Currensea there are three options, but the free “essential” tier has a no extra fees on top of the exchange rates on your first £500 a month. You can take out £200 a month from ATMs for free.

The big issue could be the limits on which banks it works with. Right now that list is only the bigger banks:

  • Barclays
  • Bank of Scotland
  • Couts
  • First Direct
  • Halifax
  • HSBC
  • Lloyds
  • Nationwide
  • Natwest
  • RBS
  • Santander
  • TSB
  • Ulster Bank
  • Virgin Money

You’ll also need to pay £4.95 to get the card delivered.

When you sign up via this link you’ll be eligible for a £10 welcome bonus – however you’ll need to spend £150 in a foreign currency in the first six months to get the cashback.

Currensea smart debit card summary

Spending overseasInterbank/Mastercard rate on first £500 each month, then 1% FX fee on top
Cash withdrawals overseasFree up to £200 a month, then 2% FX fee on top
Card delivery fee£4.95
FSCS protection?Yes (on connected bank)

Best multi-currency cards to lock in a rate

The cards mentioned above will convert fee-free, but only on or just after the day you make the transaction. This means you’re not in total control of your budget when you’re away. If the pound were to fall against where you’re spending, you’ll ultimately spend more cash.

But there are options where you can pay fee-free on cards where you’ve already converted your pounds into another currency. Though of course, this could mean you miss out if the rate changes in your favour.

There’s usually a slight markup on the ‘interbank’ or ‘mid-market’ rates. This tends to be lower than the Mastercard or Visa rates, so even with the fee they’re often comparable.

When you spend with them, you’ll spend in the local currency. If you don’t have the local currency, most will let you pay fee-free and convert at the current rate.

However, there are usually quite strict limits on cash withdrawals, so you’ll likely want another card on your trip. Plus most of these will charge you for a physical debit card, so you’ll be relying on virtual cards added to your phone’s wallet if you want to avoid this fee.

The following are ones worth considering:

ProvderRateFree cash withdrawals?Card chargeExtra infoSmart Money People customer score
Revolut StandardInterbank (+ 1% on weekends)£200 limit per rolling month / max 5 withdrawals per rolling month£4.99Capped at £1,000 exchange per month4.92 out of 5
Trading 212Interbank + 0.15%£200 limit per month£4.954.92 out of 5
WiseInterbank + min of 0.33% (varies by currency)£200 limit a month / max 2 withdrawals a month£74.71 out of 5

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

Nicholson’s: free Hendricks G&T

Registered app members can get a free G&T from Mondays to Thursdays until the end of July.

You also get a complimentary drink for signing up, and an offer for £2 pints when you buy a pie. Plus, you get 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.

Las Iguanas: free Pina Colada in July

Las Iguanas is giving out free Pina Coladas for app members until 31 July to celebrate Pina Colada month. You need to download the app and sign up to get it.

There’s a non-alcoholic version available, too.

Heineken: free pints nationwide

You can get a free pint of Heineken or Heineken 0.0 from a participating pub until 29 July 2026, or 10,750 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 that’s taking part. You have to buy your pint, but if you get the receipt, you can claim back up to £7.50.

Nicholson’s: free drink when you register for the app

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.

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.

The best children’s savings accounts

The highest paying easy-access and regular children’s savings accounts and Junior ISAs

Here’s our guide to the best children’s savings accounts. Check the date to see when this was last updated.

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.

Easy access accounts

These can be current accounts for kids or specific children’s savings accounts and are open to anyone under the age of 18. Rates are usually variable, which means they can change, and are often only on a limited amount of money.

With these accounts, your children will be able to manage the money themselves once they reach a certain age.


Children's savings accounts

Nationwide FlexOne Saver

Customer rating 4.5/5
  • AER (variable)
    5%
  • Ages
    11-17 year olds
  • Maximum
    £5,000
  • FSCS Protected? Yes
  • Current account required? Requires FlexOne current account
  • Card Can get a Visa debit or a cash card

Kent Reliance Demelza children's savings account

Customer rating 3.7/5
  • AER (variable)
    4.18%
  • Ages
    Under 18s
  • Minimum
    £10
  • Maximum
    £25,000
  • FSCS Protected? Yes
  • Card No debit card
  • Open via Open it in branch or via post
  • Account features 0.25% of the average balance of all Demelza accounts given to Demelza Children's Hospice each year

HSBC MySavings

Customer rating 3.9/5
  • AER (variable)
    3.75%
  • Ages
    7 - 11
  • Minimum
    £10
  • Maximum
    £3,000
  • FSCS Protected? Yes
  • Rate details 3.75% AER variable on up to £3,000 saved / 1.1% above this
  • Card Get a debit card from 11
  • Current account required? Can be opened online if parent/guardian has HSBC account, otherwise in branch only

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.

Regular Savers

These children’s savings accounts pay higher rates but you’re limited on how much you can save each month. Usually, it’s a fixed rate for a year. When the time is up, the account will close and the money will be transferred to a linked savings account.

Children's regular savings accounts

Halifax Kids' Monthly Saver

Customer rating 4.1/5
  • AER (fixed)
    5.5%
  • Ages
    17 and under
  • Minimum
    £0
  • Maximum
    £100 per month
  • FSCS Protected? Yes
  • Open via Can be opened by an adult who wants to put money away for a child aged 15 or under
  • Fixed term Fixed for 12 months

Saffron Building Society Children's Regular Saver

Customer rating 4.8/5
  • AER (variable)
    3.95%
  • Ages
    17 and under
  • Minimum
    £0
  • Maximum
    £100 per month
  • FSCS Protected? Yes
  • Open via Can be opened by post or in branch and can be opened by a non-parent
  • Term Variable term of 12 months

Junior ISAs

You or your child can save £9,000 a year in a Junior ISA. These can be cash ones earning interest or stocks and shares ISAs which are invested (meaning the value can go up and down).

Though interest or gains earned in an ISA are tax-free, it’s unlikely it makes much difference as there are other allowances that will be more than enough for most kids.

Money in Junior ISAs is also locked away until the child turns 18. Then it’s their money to use as they want.

Parents or guardians have to open the account but anyone can add money – handy for grandparents and other family members who want to put money aside.

Best Cash Junior ISAs

Leek Building Society Junior ISA

Customer rating 4.9/5
  • AER (variable)
    3.85%
  • Minimum
    £1
  • Account opening
    Branch or via post
  • FSCS Protected? Yes
  • Allows transfers in? Yes

Skipton Building Society Junior ISA

Customer rating 4.4/5
  • AER (variable)
    3.8%
  • Minimum
    £1
  • Account opening
    Branch or post

The Stafford Building Society Junior ISA

Customer rating 4.6/5
  • AER (variable)
    3.76%
  • Minimum
    £1
  • Account opening
    Branch or via post
  • FSCS Protected? Yes
  • Allows transfers in? Yes

Coventry Building Society Junior ISA

Customer rating 4.4/5
  • AER (variable)
    3.75%
  • Minimum
    £1
  • Account opening
    Branch or via post
  • FSCS Protected? Yes
  • Allows transfers in? Yes

Danske Bank UK Junior ISA

Customer rating 4.1/5
  • AER (variable)
    3.75%
  • Minimum
    £25
  • Account opening
    Branch or via phone
  • FSCS Protected? Yes
  • Allows transfers in? Yes

NS&I Junior ISA

Customer rating 3.7/5
  • AER (variable)
    3.7%
  • Minimum
    £1
  • Account opening
    Online
  • FSCS Protected? Yes
  • Allows transfers in? Yes

Tax and children’s savings

Our analysis

When choosing a children’s savings account, you probably won’t need to worry about tax on interest.

Children can earn a total of £18,500 from savings and other income each financial year. That’s the £12,500 personal tax allowance, the £5,000 starting savings allowance and the £1,000 personal savings allowance.

However, if parents (and parents only) are adding money to any of the non-tax free accounts then there’s a £100 interest limit each year per parent.

So say the child has £2,000 saved earning 3.75%, they’d make £75 in interest. That’s fine. If they amassed £3,000 in contributions from the same parent the amount earned would be £112.50.

That’s still ok if the money comes from both parents, as the allowances would be combined and the total interest that can be earned would be £200.

But if it’s from one parent, then the entire £112.50 would need to come out of that parent’s Personal Savings Allowance. That might not be a problem – but if it exceeds this, then the whole amount will be subject to tax at the rate the parent pays, which could be 20% or 40%.

To avoid this you might want to save into a Junior ISA.

Other ways to save for kids

Premium Bonds

You can also buy Premium Bonds for children. These cost £1 each, but there’s a minimum purchase of £25. Grandparents are able to buy Premium Bonds, as well as parents and guardians.

The current prize fund is 3.8%, which isn’t the same as 3.8% interest. It’s very likely that with small amounts of cash in Premium Bonds you won’t win anything, but there’s the chance of getting up to £1 million every month.

Pensions

Yep, you can start putting money into a person pension for a child at any age. They won’t be able to access the cash until they reach 57 years old (though that will likely increase when they’re older). However, they can manage where the money is invested from the age of 18.

As with adults adding to pensions, they’ll get 20% tax relief from the government, meaning for every £80 that’s added, £100 will be invested.

There is an annual limit though of £2,880 where you’ll get this extra top-up.

Piggy banks

It can be good to get young kids familiar with coins and money by giving them a piggy bank to save with. Obviously they won’t earn any interest (unless you want to work that out yourself).

Once they get a little older to understand branch and online banking it might make sense to replace the piggy bank with the accounts above.

Apps

Starling offers a free app to help kids learn about money and spending while also giving the parents extra control over purchases called Starling Kite. You can also pay a monthly fee for apps like Go Henry and HyperJar. However, you’re unlikely to get any decent rate of interest from any of these.