Save money and give to charity with these two cut-price will campaigns.
There are a few ways to get a will drawn up, but if you want a solicitor to do it for you, you’ll have to pay more than £100.
According to MoneyHelper, a single will drawn up by a solicitor could cost you between £144 and £240, while a joint will could go up to £300.
However, there are a couple of offers which run every year that could bring down those costs:
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.
Regular offers
Octopus Legacy: the cost of your will paid for by charity
Until October 31 2025, Octopus Legacy has partnered with UK charities to to cover the cost of writing or updating your will, up to £150.
A simple will would be fully paid for, or you can get a discount on a will with trust. You can complete your will online yourself, or you can write it over the phone or face-to-face with one of Octopus Legacy’s Estate Planning Consultants.
Remember that these are charities — most people say thank you by choosing to leave a gift in their will. There’s no obligation to do so, but it lets you repay them for their help.
Every November, as part of Will Aid, you can get a “free” appointment with participating solicitors to draw up a will. In return they ask you donate £120 for a single will and £200 for a joint ‘mirror will’ to one of the partner charities, which includes NSPCC, Save the Children and Age UK.
You can now book for 2025. The appointments go quite fast, so you have to be quick! The Will Aid website has a postcode-based search option so you can find any solicitors taking part near you.
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Free Wills Month
Twice a year in March and October, over-55s can get a free will from participating solicitors with the Free Wills Month campaign. It’s done with several charities that sign up to take part. You’re not required to make a donation, though it’s hoped people will give something in return for the service.
You can register your interest ahead of time, then on 1 March or 1 October you’ll be able to sign up, choose which charity you’d like to write a will with and book an appointment. These can book up quickly, so be sure to get in soon if you want a free will.
National Will Register: Register for free in May (expired)
The National Will Register is offering free will registrations in May with the code FREEWILLREG24.
It’s not a legal requirement to register your will but if you had your will done by a solicitor, they may have done this for you already. You can also just let your executor know where your will is. However, having it registered means it can be located and prevents it from being lost, misplaced or forgotten.
Investment firms often give incentives like free cash to get you to give them your money.
These offers are extra cash payments and freebies you can get via starting an investment. We’re only sharing these promotions as a way to get some free cash rather than a recommendation of individual investment platforms or funds.
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.
Here at Be Clever With Your Cash, we’re not regulated to give you financial advice. We aim to give you the facts about a provider or investment but it’s up to you to decide if it’s suitable for you. If you’re looking for more personalised guidance, find a financial adviser who can give you specific advice. Remember that your capital is at risk when investing — don’t invest more than you are prepared to lose.
Welcome offers
These are offers to tempt you to sign up for an account. There may be a minimum amount you need to add in order to get the bonus. Remember, we’re just sharing offers here and not recommending any individual ISA investment platforms, so do your research before applying. Our S&S ISA best buy tables are a good place to start.
New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC
More details ▼
Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Fractional shares: Yes
Interest on uninvested cash: 4.90%
Trading fee: £0
Flexible ISA: Yes
Foreign exchange fee: 0.15%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78% depending on the funds you choose
Offer details: Once the account is open, you then need to add at least £1 to your account within 10 calendar days. It will take about three days for the share to be added. This offer is only for Trading 212 Invest or the Trading 212 Stocks & Shares ISA.
Further details: Remember, the value of any money invested, which includes your free share, could go up or down.
Get up to £100 welcome bonus when you invest £100 or more. Sign up via the button or use promo code BCWYC (T&Cs apply). We may receive commission from those who sign up through our link. You need to stay invested for at least 12 months to qualify for the bonus. ETF costs apply.
More details ▼
Additional Info
You can't invest in individual shares with InvestEngine, just exchange-traded funds (ETFs)
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: No
Trading fee: £0
Flexible ISA: Yes
Foreign exchange fee: N/A
Fund fees: When you invest in funds you'll also have to pay fund fees between 0.03% and 0.89%, depending on which ones you choose
Offer details: £100 welcome offer ends 28 February 2026. You need to stay invested for at least 12 months to qualify for the bonus. We may receive commission from those who sign up through our link.
You can reduce the custody fee to £0 per month when you place more than 3 trades in the previous quarter. New customers can get up to £200 of free shares when they sign up and invest at least £50 by 31 October 2025.
More details ▼
Additional Info
FSCS Protected: Yes
Transfer in existing ISA?: Yes
Interest on uninvested cash: 4.5% on up to £100,000
Flexible ISA: Yes
Foreign exchange fee: 0.70%
Fund fees: If you invest in funds, you'll have to pay fund fees depending on the funds you choose
Offer details: You can get up to £200 of free shares when you sign up for a General Investment Account, ISA or Self Invested Personal Pension and invest at least £50 between 1 October and 31 October 2025.
*Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA.
More details ▼
Additional Info
FSCS Protected: If Lightyear goes out of business and there is a shortfall in the funds they are holding for customers, they may be able to claim for losses up to the value of £85,000 through FSCS
Transfer in existing ISA?: Yes
ETF trading fee: £0
UK shares trading fee: £0
EU shares trading fee: £0
US shares trading fee: £0
Fractional shares: Yes
Interest on uninvested cash: No
Flexible ISA: Yes
Foreign exchange fee: 0.35%
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78% depending on the funds you choose
Offer details: Sign up with the code BECLEVER25 or click the button to get up to £100 in a US fractional share to your GIA. Capital at risk. Terms apply: https://lightyear.com/en-gb/signup-promotion-terms. You must be a new user and deposit at least £100. The reward can be withdrawn 6 months after it’s credited.
Further details: Capital at risk. ISA rules apply. The value of investments can go down as well as up. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority (FRN 987226)
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ISA vs GIA
When you open these accounts you can usually choose between an ISA and a general investing account. If you haven’t used your full £20,000 ISA allowance this financial year, and you don’t plan to do so before 5 April, then that’s the best account for you as any gains you make will be tax free.
If you can’t or don’t want to add any more to an ISA, you can opt instead for the general investing account, although some of these offers may not be available for this account. In this account, you’ll only pay tax on profits after selling your share if it brings you over the Capital Gains Allowance – which is £3,000 in 2024/25.
Bonus offers
These platforms offer a bonus for opening an account or transferring existing accounts. Sometimes the amount you get will depend on how much you deposit or transfer, while other times, it might be a percentage of what’s in the account.
You can get £300-£1,500 cashback when you transfer an ISA between £20,000 and £200,000
More details ▼
Additional Info
Trading fees: You get £50 worth of free trades every 6 months. Funds cost £4 per trade and shares cost £10 per trade.
Fund fees: If you invest in funds, you'll have to pay fund fees between 0.03% and 0.78% depending on the funds you choose. There are no platform or trading fees when you invest in Charles Stanley Multi Asset Funds
FSCS Protected: Yes
Trading fee: £50 worth of free trades every 6 months
Transfer in existing ISA?: Yes
Fractional shares: No
Interest on uninvested cash: No
Flexible ISA: No
Foreign exchange fee: 1.00%
Offer details: The amount you'll get in cashback depends on how much you transfer. A transfer of £20,000 gets you £300 cashback.
Earn extra cashback from TopCashback with these offers, including a welcome bonus
I’ve earned thousands of pounds through TopCashback and Quidco in the last 10 years – and that’s just by doing some normal shopping.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
New member sign up deals
I think the best welcome bonuses are the ones that aren’t linked to a specific retailer. These open-ended offers mean you can get cashback no matter where you shop.
There are sometimes other deals that will pay a similar amount but they are restricted to specific retailers or require a higher minimum spend (eg £30). I’ll share these below if they are better than the generic offers.
You can only get one new sign-up offer.
Free £20 bonus
You can get a £20 new member bonus. You need to spend £10 via one of the retailers listed on TCB to get this bonus (excluding takeaways). You must go via this link or the button below.
Read the full terms and conditions when you click through. The £20 bonus ends 31 March 2026.
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Existing customer deals
From time to time there are special bonuses you can activate. Often it’s £2.50 when you spend a tenner, though sometimes they are higher or linked to a specific type of purchase.
£2 bonus when you spend £5
Just for today (Friday 26 September) new and existing Topcashback customers can get a £2 bonus when they spend £5 with any retailer through the site. The deal ends at 23.59.
If you’re not sure what to buy, or don’t need anything, you’re best off buying a supermarket gift card, which you’re much more likely to use rather than buying something for the sake of it.
If you’re in need of cosmetics or want to stock up on gifts ahead of Christmas, you can earn 20% cashback from Superdrug – whether you’re a new or existing customer.
The deal is only around for 24 hours though and will end at 23.59 tonight (Friday 26 September).
£5 bonus cashback on £20 gift card spend (expired)
Members can currently get a bonus of £5 with a £20 spend on gift cards via the TopGiftCards page. This includes supermarkets, so it’s a good way to save on everyday spending rather than buying a gift card for the sake of the saving.
You’ll be able to find the offer on the home page, where you need to activate the offer.
Then, you need to make a purchase by 23:59 on 2 September 2025. You’ll get the bonus as well as any cashback earned on the purchase (rates will vary by gift card).
So for example
Buy a £20 Tesco gift card with 2.5% cashback
Receive 50p cashback
Get £5 bonus
Save £5.50 (27.5%)
And if you don’t have TopCashback yet, don’t forget you can earn an extra £20 by signing up via our link – meaning you’ll make a profit!
The cheapest ways to watch TNT Sports on your TV or app
If you want to watch Premier League and Champions League football, Premiership Rugby, along with other sports, on TNT Sports, then you’ll need to sign up via your pay TV provider or use the Discovery+ streaming service.
Here are the best offers right now to save you cash.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
What is TNT Sports?
TNT Sports is the new name for BT Sports. It now sits under the Discovery brand, though you can add just the TNT Sports channels to your Sky, Virgin and other pay TV services.
The channels are:
TNT Sports 1, 2, 3, and 4: available in standard and high definition, plus six red-button channels.
TNT Sports Ultimate: stream select events in 4K HDR and Dolby Atmos (with a compatible device).
TNT Sports Box Office: get pay-per-view access to exciting sports events (for both subscribers and non-subscribers).
This tier of streaming service Discovery+ gets you all the TNT Sports channels to watch via the Discovery+ app on your TV, smart stick, games console, computer, tablet or phone.
For an extra £3 a onth you can also get lifestyle channels such as TLC, Quest and Discovery.
This is a monthly pass and you can cancel at anytime. This effectively replaces the old BT Sport monthly pass, though the difference is this will renew if you don’t cancel.
Some BT Broadband customers, usually long standing ones who used to get BT Sports for free, may now have access to the full Discovery+ Premium package for free.
If you get your internet services from BT then you can get the TNT Sport channels for an extra charge each month by adding BT TV. The sports packages starts from £20 a month.
Although you can still watch via the BT Sport App you’ll need to move to the Discovery+ app in due course.
If you’re adding it to an existing BT contract then it could mean you start a new contract for all your BT services, possibly for 24 months.
EE customers can get access to the TNT Sports via a Discovery+ Premium pass that costs £20 a month. You need to text SPORT to 150 to start your subscription. You can cancel at anytime.
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
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“Free” with EE Inclusive Extras
If you have a reasonably expensive contract with EE (via the Full Works plan) you can choose TNT Sports as one of your Inclusive Extras.
TNT Sports is probably the most expensive of the options, though alternatives include:
Apple One Individual
Google One Premium AI Plan
Netflix Premium
Xbox Game Pass Ultimate
Though there will be cheaper SIM deals out there, with EE or another network, it is much less than getting TNT Sports (and Discovery+) direct from the streaming service. The difference though is you’re committing to a 24 month contract, and prices will likely increase each spring with inflation.
Ultimately you’re probably better off shopping around for a cheaper SIM-only deal and getting TNT Sports as and when you need it.
Watch the Europa League, Conference & Champions League final for free (ended)
Though TNT Sports has the rights to show the finals of all European competitions, they’re continuing the offer to watch them for free without a subscription.
21 May: Europa League final (Manchester United vs Tottenham)
28 May: Europa Conference final (Chelsea vs Real Betis)
31 May: Champions League final (Inter Milan vs PSG)
You can watch for free via the Discovery+ app on TVs and devices, or you can also watch via the Discovery+ channel on Prime Video.
If you don’t have an account you will need to register, but there’s no need to pay for any of the packages.
You can watch TNT Sport on your TV if you have the Discovery+ app (and the right level of subscription).
This is available on the following (though check the full list here in case you have older incompatible models)
Amazon Fire Sticks
Apple TV
Chromecasts
Samsung & LG Smart TVs
Android TVs
Roku devices (including NOW sticks)
Sky TV
Playstation 4 & 5
Xbox One and XIS
Buy an HDMI cable
As long as you have a laptop with an HDMI connector, you can just buy a cable to connect to your TV. This should be the cheapest option – but I prefer the smart stick options!
This limited time offer gets you a full year of TNT Sports for £305.88, saving you £66 on paying monthly. Effectively it’s two months free.
You don’t need to pay the full amount upfront, it’s actually £25.49 a month for 12 months.
You will be locked in for the full year tough, so it might still be cheaper to pay monthly if you think there will be at least three months where you won’t watch the service.
Plan ahead so you don’t miss out on getting your turkey delivered to your door this Christmas
We may not have had Halloween yet, but the supermarkets are already thinking about Christmas! This is the busiest time of the year to get a supermarket delivery, so some supermarkets are already letting you book delivery slots for the festive season.
Here’s which supermarket have confirmed advance booking for Christmas deliveries in 2025, and when we think the rest will follow.
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.
Tips to get a Christmas delivery slot in 2025
If you’re planning on hosting this year, make sure to pop the date in your diary and nab the time and date you want your Christmas groceries delivered. And if you do miss out on the slot you want, there’s always collection slots to check out.
In addition, it’s worth remembering that with delivery and collection orders there’s always a risk that they won’t have what you want in stock, so don’t leave it too late for anything you know is essential. In fact, I once booked a collection and there were more than 10 items missing. I popped in-store at the time of collection and found every single item available – it was a frustrating experience.
With fresh food, you can always buy it earlier and store it in your freezer if the best before or use-by date is sooner than you want to eat it. Here are our tips on the foods you can freeze.
In addition, if you’re prepared to wait to buy your veggies in the final days, a lot of supermarkets reduce their Christmas vegetable prices in the days before Christmas – they could be worth leaving off your delivery.
Asda has announced that Delivery Pass customers will be able to book a Christmas delivery slot from 14 October, and everyone else from 20 October 2025.
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Ocado Christmas delivery slots 2025
Confirmed for 2025
Ocado opened its Christmas slots to Smart Pass customers on 24 September, and will be gradually releasing the remaining slots to everyone – although they are not quite saying when this is yet! However it’s only for those who were already Smart Pass members before 1 September this year.
If you are an Ocado Reserved customer, Ocado will be pausing the service between 20–27 December and 31 December–1 January.
If you have a Morrisons Delivery Pass can book a slot from 1 October. Though it’s not been confirmed, it’s likely everyone else needs to wait until 8 October to book a slot.
2024 details: If you have a Sainsbury’s Delivery Pass, you’ll be able to book a slot from 16 October. For everyone else it’s 4 November. Sainsbury’s will send an email to customers when they release their slots. Last year it was a week in advance.
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
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Tesco Christmas delivery slots 2025
Confirmed
Christmas delivery slots will be available at Tesco for Delivery Saver customers from 4 November and for all customers from 11 November. You can sign up to Delivery Saver until 3 November for the early access to Christmas delivery slots.
Unlike previous years, Waitrose now offers a delivery saver pass, and these were made available on 24 September 2025. You need to have signed up to this by 1 September 2025 to get access to these advance Christmas slots.
Though it’s not officially confirmed, I’m pretty sure I saw in the Waitrose app that for everyone else it’ll be 1 October 2025.
This streaming service from Disney has increased prices twice in a year and cracked down on password sharing – but there are still plenty of ways to save.
We’ll share the best ways to pay less when we spot them, including special offers, free trials and discount codes.
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.
Disney+ price
Sadly there’s no free trial for Disney Plus. Though a seven-day trial was initially available, you’ll now need to pay to access the service.
You can pay monthly (and cancel at any time) for three of the options ranging from £599 with adverts, £9.99 for the “standard” option and £14.99 for “Premium”. The latter two tiers can also be paid for annually for a small discount.
You now have to pay between £4.99 and £5.99 a month to share your account with one other household. We’ve explained all in our guide to how Disney+’s Extra Member will work.
Disney plus offers
One year free via Lloyds
This was our top way to get Disney+. The Club Lloyds current account is giving away a year of Disney+ as one of the Lifestyle Benefit freebies.
Sadly, since 1 November 2023 the included tier is Disney Standard with Ads – and there’s no way to upgrade it to a different option at the moment.
It’ll take a month from opening the current account until you will get access to the service.
If you sign up to an annual Uber One pass at £49.99, you’ll get a free year of Disney+ Standard, worth £99.90 at full price (already a £49 saving on the annual cost).
If you’ve not signed up to Uber One before, you might be offered the first four weeks free, but you’ll have the option to choose annual payment after the trial.
However if you’ve previously taken the Disney+ offer from Uber you won’t be able to get it again until 14 months have passed.
You’ll also get discounts on Uber rides and Eats. Here’s more in our Uber One review.
Users of Quidco and TopCashback can get cashback when they take out a year-long subscription to Disney +. You’ll still pay the full £99.90 for the Standard package but you’ll get £10 paid back into your account with Quidco and £7 with Topcashback.
Even better, if you’re new to Topcashback or Quidco you can also get a £20 sign up bonus, too.
Andy’s analysis – is it worth paying for a year upfront?
If you know you want Disney+ all year round (hello anyone with kids!), the annual pass discount and potential cashback bring the price down.
But it’s worth thinking just how often you’ll actually watch it. Do you only want it for the big Marvel and Star Wars TV shows? If so, maybe you only need to get it when these are released.
And if you can cut Disney+ for at least two months a year (more if you get the cashback), then it’s exactly the same cost to go for the monthly price. So every month on top that you don’t subscribe you are saving cash.
Of course you do need to remember to cancel and not let it keep rolling over month to month.
Clubcard: 50% off
Swap £13.50 in Clubcard vouchers for three months of Disney+ Standard, which would cost £27 at full price.
There’s a cheaper option for Disney+ with Ads, which requires £7.50 in Clubcard points for three months, worth £15.
If you’re on a pay-monthly refresh tariff or a SIM-only 12 or 18 month contract, then you can add any Disney+ tier to your mobile plan (so you’ll pay alongside your bill) at full price.
But you’ll get £2 credited to your bill every month, effectively meaning you’ll pay £8.99 a month for Standard and £12.99 for Premium.
That’s a decent saving each month, however, there is a minimum term of six months.
And if you keep it for a full year, then the savings are smaller as you need to compare them to the discounted annual plans. Versus the annual Premium plan cost of £149.90, you’ll actually pay more this way. For Standard it’s a saving of just £4.02 a year versus the annual cost of £99.90.
You can get this offer until 31 December 2025. It’s not available for existing Disney+ subscribers but isn’t specifically for new ones, so you could cancel and then sign up through O2 to get the discount.
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Up to six months free with O2
If you’re new to O2 or upgrading then you can claim either one, three or six months of Disney+ for free. This can be a great way to save, but you need to make sure you can’t get a cheaper SIM-only deal elsewhere.
This “Extra” is only available on certain deals, and most of the time O2 SIM deals are more expensive than elsewhere.
However, sometimes you can find a bargain via a comparison site, so it’s worth seeing if it could be cheaper.
Disney+ with Ads: four months for £1.99 a month (ended)
For a limited time, new and returning Disney+ users can get a four-month subscription for £1.99 a month, so you’ll save a total of £12 versus full price.
After the four, your subscription will auto-renew to the Disney+ with Ads price of £4.99. So be sure to set a reminder to cancel your subscription if you don’t plan on paying.
You’ll need to sign up by 30 June 2025 to get this offer.
There’s a way for new Disney+ users to get a huge discount, by combining four different offers. Not everyone will be eligible for each step.
Join a cashback site as a new member with our special offers to boost the value. Right now you can get £20 from £20 with Topcashback when you spend £10
Activate cashback offer on participating bank cards, such as American Express or Monzo, for 15% off the full price
This could help you make some decent savings. For example, if you sign up as a new TopCashback member and have the offer on a payment card it would bring the price of the annual Standard membership down from £99.90 to under £46
Details on all these separate offers are below too.
Alternatively, if you don’t want a year of Uber One or Disney, you can get the advert supported tier with the pay monthly Uber One. This costs £4.99 a month, so you’re effectively paying the same as going direct to Disney, but you’ll get the extra Uber features.
It’ll renew with Disney at £4.99 a month once the six months is over, on top of the £4.99 fee to Uber One.
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
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Disney plus deals via banking cards
It’s worth checking apps for your debit and credit cards to see if there’s a discount on Disney+.
15% off with American Express
If you have an Amex card then check the offers tab in your account to see if you can add a deal to save 15% on Disney+.
You’ll need to activate the offer in the app first. The offer comes and goes with different expiration dates, and you’ll get the discount on all transactions that are on your card in that time.
Digital bank Monzo regularly offers customers 15% back when you spend at least £99.90 – so effectively it’s one of the two annual plans.
You’ll need to activate the offer in the app and pay with your Monzo card. It comes and goes, so if it’s not there, check when offers refresh each week.
Plus Disney+ newbies can stack this with the Quidco or TopCashback offer mentioned above and it brings the annual Standard price down.
If you have access to Santander’s Retailer Offers via a current account or credit card, you might see an offer earn 15% cashback on Disney+.
It says it’s on new purchases, though I reckon you’d get the money even as an existing customer. It’s certainly worth a try if you are already paying. Premier Access payments are excluded.
The offer comes and goes and the most you can earn is £7.99 (so that’s really only 10% off the annual price).
Which Amex credit card will earn you the most cashback or rewards in the UK in 2025?
There are a number of different American Express cards, so which is the best?
In this best buy guide, I’ll take you through my top picks whether you want to get your first card or change the one you already have.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
The best American Express for welcome offers
There are a number of great welcome bonuses from American Express that could earn you more than £100 extra in your first few months. They are often boosted too, making them even more profitable.
Importantly you can only get these offers (on most cards – more on this in a bit) if you’ve not an an Amex in your name in the last two years.
Each offer also comes with a spending requirement to trigger the bonus, so make sure your normal spending will fit this.
The best first Amex card welcome offers
To keep you eligible for additional welcome bonuses, I’d actually only consider one of these two cards, even though you’ll earn less from the bonus. They rarely have boosted welcome deals so I’d go for them at any time.
If you aren’t going to later for a second bonus with the Amex Platinum then you could also consider the Amex Preferred Rewards Gold – though I’d wait until it’s boosted.
1 Amex Reward point per £1, bonus points for every £5,000 spent (= 0.5% to 0.75%)
Additional Amex welcome offers
After the Nectar or Platinum Cashback, there’s the chance to get another boosted offer on both the British Airways American Express Premium Plus (as long as you’ve not had either BA Amex card in the last two years) and the American Express Platinum credit cards (as long as you’ve not had the Preferred Rewards Gold or Rewards cards in the same time). I’ve written in more detail about this multiple Amex welcome offer hack here.
However, these cards come with big fees and the bonuses have large spending requirements, so I’d wait until they are boosted and you can earn more points.
If you are a member of Vitality health or life insurance then you will also be eligible for a £100 statement credit when you spend £2,000 in the first three months, even if you’ve got any other Amex.
Here’s what you could be looking at based on increased sign-up offers that have run in 2024.
Card
Fee
Most recent boosted welcome offer
Potential condition
Total value
Ongoing cashback rate
British Airways American Express Premium Plus card
So what do you do once you’ve got bonus (or bonuses) and you’re faced with a fee at the start of the second year? Well, I’d be looking to ditch that card and find an alternative.
But the headline cashback/reward rate isn’t the only thing to consider. You need to take into account whether there’s a fee or minimum spend. And you also need to decide how you want to receive your money back – as cash or points?
Depending on which card you went to for your first card (the Nectar or Cashback), I’d actually then get the other one next or look at the Amex Preferred Rewards Gold which is free in year one.
But after the first year on each of these, the annual fees on all three will eat into your cashback earnings.
But if you want to keep an Amex, then there’s the Amex Rewards card or BA Amex which are both always free. Just don’t get these (or the Gold) if you haven’t yet claimed those additional Platinum and BA Amex Premium Plus welcome bonuses.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Nectar
Free in year one, £30 after
2 Nectar points per £1
1%
Cashback
£25 (first year can be covered via referral link)
Up to 1.25% cashback (paid on year anniversary)
0.75% on first £10,000, then 1.25%
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
0.64% to 0.75% if you spend at least £5,000
Reward
Free
1 Amex Reward point per £1
0.5%
British Airways American Express
Free
1 Avios point per £1
0.5% (if converted to Nectar)
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Best Amex for extra offers
There’s a final category to consider when choosing your Amex – are there extras that come with the card? And if so, how much will they cost?
This table shows the main additional card benefits you might want to take advantage of.
Amex Card
Key additional benefits
Annual fee
Preferred Rewards Gold
2 x £5 Deliveroo credit every month 4 Priority Pass airport lounge visits each year
£195
Platinum
Worldwide family travel Insurance £200 UK dining credit each calendar year (£100 every six months) Airport lounge access all year
£650
British Airways Premium Plus
BA Companion voucher if you spend £15,000 each year (lasts 24 months, and valid in all classes)
£300
British Airways
BA Companion voucher if you spend £15,000 each year (lasts 12 months, and only valid in economy)
Free
I wouldn’t keep the Gold card once the fee kicks in after the first year. I’d also avoid the Platinum after the year which includes a welcome bonus.
It’s a harder call with the BA cards. If you opt for the free BA card, it’s only valid for 12 months and only in economy, which might make it hard for you to find a flight you want to use as tickets are released 12 months in advance on the BA site, so you could well miss out on big destinations.
The Premium Plus voucher lasts longer, but you will be paying £300 to get it. From my experience it’s hard to get that back on economy flights, so you’d want to aim for Business.
But, to use a 2-4-1 Companion voucher you need to have enough Avios points to pay for the first flight AND you have to pay for taxes and fees on top. If that’s unlikely then neither are worth it. And you also need to weigh up whether you’ll be able to get a cheaper flight shopping around.
Best Amex to protect your Amex Reward points
If you decide to cancel the Platinum card at the end of your first year, make sure you protect any Amex Membership points linked to it before doing so. You’ll need to swap them or open up a different Reward card to ensure you don’t lose them.
There are two options here. The Reward card and the Preferred Reward Gold card. Remember, do not open up either of these cards before the Platinum if you think you’ll try for the boosted welcome offer on that card at some point.
Amex card
Annual Fee
Cashback/Reward
Equivalent rate
Preferred Rewards Gold
Free in year one, £195 after
1 Amex Reward point per £1, bonus points for every £5,000 spent
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Best Amex for 2-4-1 flight vouchers
Two American Express cards can earn you British Airways companion vouchers. However, don’t get the free BA Amex card before the BA Amex Premium Plus if you want to try for the higher welcome offer with the latter card detailed further up this article.
With the Premium Plus you’ll need to spend £15,000 in the first year you’ll get a BA Companion voucher. This gets you 2-4-1 flights or an upgrade and is valid for two years and in all flight classes. Remember there is a £300 annual fee.
But after this year you have two options. If you cancel completely you won’t lose your Avios as they’ll have been added to your British Airways Executive Club account. This resets the clock to enable you to (potentially) get another bonus in two years time.
Or you can downgrade to the free BA Amex easily via a call or live chat and this will mean you keep an Amex without a new credit check.
If you choose to keep spending on it you still need to hit £15,000 in a year for a BA Companion voucher to use in economy class, valid for a just one year.
With both companion vouchers, bear in mind you need to have enough Avios points saved up to cover the cost of one ticket before adding the 2-4-1 voucher, and you still pay tax and fees on both tickets.
Reduce how much you pay for your Netflix subscription
It’s one of, if not the best film and TV streaming services with a great range of shows to watch. It’s also one of the cheapest – if you choose the most basic tier.
Though it’s rare to find deals to save money on your Netflix subscription, it is possible to pay less. Here are a few ways to save.
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.
How much is Netflix a month?
Here are the different levels of Netflix you can get. Netflix prices range from £4.99 to £17.99 a month.
The big difference between each one is how many streams you can watch simultaneously on different devices and the picture quality.
The cheapest option at £4.99 a month is Standard with Ads. As the name suggests, it has commercials playing at points in the programmes you watch. You also can’t download to watch offline and some shows are missing due to rights issues.
The others are ad-free and have the full library available. For most people, the Extra Member or Standard tier should suffice.
Tier
New Price
Number of streams
Picture quality
Standard with Adverts
£5.99
2
HD (1080p)
Standard
£12.99
2
HD (1080p)
Premium
£18.99
4
4K
Extra Member – Standard with Adverts
£4.99
1
HD (1080p)
Extra Member – Standard
£5.99
1
HD (1080p)
Extra Member – Premium
£5.99
1
4K
Netflix price increase 2025
In February 2025, Netflix increased prices on all of its packages. Prices for Standard with Adverts and Premium rose by £1 per month, and the Standard plan rose by £2 per month. Meanwhile, the cost of extra members also went up by £1 per month.
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Netflix money saving hacks
Switch your subscription level
There are three levels of Netflix. The Standard with Adverts package costs £5.99, but you’ll get adverts and can’t download.
The next level is £12.99 a month and you’ll get HD and be able to watch on two devices at the same time.
The premium package is £18.99. For this, you get 4K quality (if the content you want to watch is actually available with that version) and you can stream or download to four devices at the same time.
Personally I think most people will be happy with the Standard options and very few people will get the full benefit of the top tier. Switch and you could save yourself £6 a month.
This is £4.99 on top of the main fee for the Standard with Ads tier and £5.99 per month for the other two tiers. You can only add one extra member to the Standard tiers and two to the Premium tier.
So the total costs would be:
Standard with Ads + One extra member: £10.98 per month
Standard + One extra member: £18.98 per month
Premium + One extra member: £24.98 per month
Premium + Two extra members: £30.97 a month
Of course, there could still be savings if you split these, but it’ll cost more.
If you do split this then make sure you’re clear with friends and family who is paying what and how they’ll pay the main account holder.
There is an option to bundle Netflix with Sky, BT TV, TalkTalk and Virgin Media. On the whole I’d avoid this. Here’s more on the best ways to pay for Netflix.
Pay with a cashback credit card
You can use a cashback credit card to earn money back on your subscription. We’re not talking huge amounts here, but it all adds up.
Discounted Netflix gift cards
It’s rare to spot these, but if I do I’ll share them in the deals section of this page.
A work around might be to buy a discounted gift card for a different retailer such as Amazon or Tesco. Technically it’s not always allowed, but you might be able to then use that gift card to buy a Netflix one.
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Netflix deals
Free with EE
Selected EE mobile contracts will give you Netflix Standard with adverts every month for free as part of your tariff. Of course, it might be cheaper to get a lower-cost SIM with a different network and pay for Netflix separately.
Netflix and NOW TV for £5/month for six months (expired)
If you have BT broadband (or sign up for it), you can add on an EE TV package (formerly BT TV) that includes Netflix and NOW for £5 a month for six months. You’ll get:
Netflix Standard with adverts (£5.99 a month)
NOW Entertainment (£9.99 a month)
Discovery+ basic (£3.99 a month)
With this deal, you’re locked in for at least 24 months. For the first six months you’ll pay £5 and this goes up to £20 a month from month seven. It then costs £22 a month from 31 March 2026 and £24 a month from 31 March 2027.
You’ll need to factor in if you can get broadband for less elsewhere, and that you’ll be tied in for two years.
If you want to upgrade your Netflix package you’ll have to pay more. Similarly, if you want HD and no adverts on your NOW pass that’s another £6 a month. And it’s often possible to get cheaper NOW packages directly with NOW – that might not be the case if you pay via your BT bill.
Sky Stream is a box you plug into your TV and broadband to access Sky channels without needing a satellite dish. The core package comes with Netflix and Sky Entertainment included, and you can try it free for one month.
You need to be a new Sky TV customer, and can’t have had a Sky free trial in the last 12 months. However you can be an existing Netflix user, and you can link an existing Netflix account. This will move the payment over to the Sky bill.
The Netflix tier included is the £4.99 “Standard with Ads” package.
It’s a rolling 31-day contract, so you can cancel at any time. If you don’t do this it’ll be £31 a month. That’s more than getting Netflix and Sky channels via NOW separately – so it’s unlikely to give the best value. However, you will also get access to Freeview channels, which is handy if you don’t have an aerial.
If you cancel you’ll also have to return the Sky Puck device. This ends on 23 May 2024.
This offer has ended, but it’s worth checking to see if it returns. It could be you see an offer when others don’t!
New users can save 50% when they first sign up to Netflix. After the first two months at this discounted price you’ll pay the full price for the level you’ve chosen.
It’s possible you’ll see a different offer, such as buy one month, get a second free. It works out you’ll pay the same amount overall, but do let me know what you see.
Netflix is great, but there are other options with plenty of content – and plenty of deals. So pause your subscription for a month or two and try out free trials from the likes of Amazon Prime Video and Disney + or get dirt cheap passes for Sky channels via NOW TV. Here’s my guide to the latest offers.
Get Sky Atlantic, Sky Cinema and Sky Sports without getting Sky – and pay less with these great NOW TV offers.
Sky’s NOW TV – or NOW as it’s been rebranded can save you a lot of money compared to paying for TV via your broadband provider, whether that’s Sky, Virgin, BT or TalkTalk.
Despite recent price increases and fewer offers it’s still the cheapest way to get big channels such as Sky Atlantic, Sky One and more.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
What is NOW TV?
NOW TV is essentially an on-demand video streaming service, just like Netflix and iPlayer. The big difference is it lets you watch Sky channels. Why bother when you can do this direct? Well NOW TV is so much cheaper. And you’ll see below there are always deals to bring the price down further.
Another great thing is that you can subscribe month by month, rather than tie yourself into a year-long contract as you would if you had satellite or cable TV. Here’s Andy’s take on whether it’s worth the money.
It works best if you don’t watch ALL the different channels. That’s because films, TV and sport are all on different packages. Very cheap if you get one or two, but it can be pricey if you get more. And of course you need to consider if you’d be better off picking Netflix or Amazon Prime instead – there’s not enough time to watch all three!
How much is NOW TV
Here are the full price costs for all the different NOW TV passes – but of course you don’t need to pay this. Check out all the deals on this page for ways to save.
Entertainment Pass costs £9.99 a month
Cinema Pass costs £9.99 a month
The Hayu pass costs £4.99 a month
There are two Sky Sports NOW TV passes
A Day Pass costs £14.99 for 24 hours
A Month Pass is £34.99 a month
NOW TV Boost cost £6 a month or £9 a month
New NOW TV customer offers and deals
The best offers are pretty much always for new customers. If you’ve never used NOW TV before, always start with one of these. If there’s a free or very cheap pass featured further down you can always add that at a later date. We’ve ranked them in the order of how good we think they are.
These offers are only for new NOW TV subscribers. Make sure you cancel before the prepaid package is up or you’ll pay full price for the following months.
At the moment it seems most of these introductory offers are for a minimum of six months, so you might need to weigh up whether you’d be better off paying full price for a single month and using the cancellation trick (more on this further down the page) to hopefully bring prices down without being locked in.
NOW TV Entertainment & Cinema: 40% off 12 months
This new user offer requires you to lock in for a year, after which you’ll pay full price but can cancel at any time.
You’ll get Entertainment & Cinema for £11.98 a month (saving around £8 each month).
We’d caution against this package as we don’t feel there’s enough movies on there to warrant 12 continuous months, even at a discount. Instead, pay full price of each for one month (if you need them both), and then see if you can get discounts when you cancel the passes.
New Trading 212 customers get a bonus of 0.66% AER for 12 months for current year subscriptions
More details ▼
Additional Info
Existing Trading 212 customers get a rate of 3.85%
FSCS Protected?: Yes
Allows transfers in?: Yes
Flexible ISA?: Yes
▲
Reduced passes with NOW Broadband
If you change your internet to NOW Broadband, you’ll be able to get discounted NOW passes. The cost varies depending when you sign up, we’ve seen it as little as £4 a month.
However, you are tied into the broadband and the NOW membership for 12 months. And it’ll go up to full price once the year ends.
Sadly there are no longer any free trials for the main passes, though they could return. Usually you can trial “Boost” for 7 days though that’s not currently showing.
If you do get a trial and don’t want to keep paying then remember to cancel before the seven days finish to avoid getting charged full price.
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Existing NOW TV customer offers and deals
Most of the special offers are only for new customers, but there are lots of ways existing customers can save each month. Usually this involved either buying a gift card pass, or buying a multi-month pass with a NOW TV box or stick when these are on offer (which happens quite a bit).
With the passes you will get a code which you can enter into your account. Go to the view passes page and you’ll see where to add the code. If you are buying the passes with a NOW TV stick or box then the newer ones have the passes preloaded and are added to your account when you activate the device and log in.
Here are the best deals:
NOW TV cancellation trick
If you go to cancel your NOW TV pass, you’ll be asked the reason you are cancelling. Select the option saying it’s too expensive for you and you might be offered a discount to stay.
If that’s as good or better than the existing customer deals we’ve listed above, then you can accept it and pay less. This will be for a limited time, often three or four months, so don’t forget to repeat this process.
It’s also worth having your email preferences set to allow promotional emails from NOW. They will regularly send promotions with discounts – most recently Andy signed up to four months of Entertainment for £1 a month.
This will only be sent if you don’t have an active subscription, another reason to hit cancel at the start of each month.
Netflix, NOW TV and Freeview box for £5/mth for six months (expired)
If you have BT or EE broadband (or sign up for it), you can add on a EE TV package that includes Netflix and NOW at a reduced price. At the moment, you can get it for £5 a month for the first six months. You’ll need to commit to 24 months, and the price will go up after the six month period and every year. However, it includes:
Netflix Standard with adverts (rrp £5.99 a month)
NOW Entertainment (rrp £9.99 a month)
Discovery+ basic (rrp £3.99 a month)
With this deal, you’re locked in for at least 24 months. For the first six months you’ll pay £5 and this goes up to £20 a month from month seven. It then costs £22 a month from 31 March 2026 and £24 a month from 31 March 2027.
You’ll need to factor in if you can get broadband for less elsewhere, and that you’ll be tied in for two years.
If you want HD Netflix you’ll have to pay extra – and it’s not clear how much more this is.
Similarly if you want HD and no adverts on your NOW pass that’s another £6 a month. And it’s often possible to get cheaper NOW packages direct with NOW – that might not be the case if you pay via your BT bill.
A similar model box will likely cost you £250, so if you’re looking at ditching pay TV elsewhere, this would be a cheaper way to get hold of it, with the streaming services thrown in (though you won’t keep it if you leave BT in two years time).
You need a separate pass for Sky Sports via NOW and there are often deals to bring the price down. We’ve listed them on our bespoke deals page for Sky Sports.
