Cheap cinema ticket offers and deals

All of the deals for ODEON, Vue, Cineworld, Everyman, Picturehouse and more!

In this article you’ll find all the latest cinema ticket deals and offers, starting with the ones you can’t miss, then some chain specific offers, and then a few more well worth a look.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Top cinema offers

Free film in July

BFI and the National Lottery is offering people the chance to head to the cinema for free in July as part of its Escapes programme.

This month’s film, available to see at 124 locations across the UK, is Sunny Dancer, with the free screenings taking place on the 27th and 28th of July.

Booking is as simple as could be – just head over to the site, select your nearest cinema and book your seats. There are screenings from as far south as Newlyn in Cornwall all the way to Orkney in Scotland and you can search by postcode to find your nearest one.

2-4-1 via Meerkat Movies for £1

One of the most popular cinema deals is Meerkat Movies. Once a week you can access a code to get buy-one-get-one-free tickets on a Tuesday or Wednesday. You can use this deal at most UK cinemas all year (though not Everyman or Curzon). 

You get access through buying an insurance policy via Compare the Market, but we’ve got a hack that’ll get you access for just £1 each year.

Free tickets via your bank

Vue/ODEON: six tickets via Lloyds 

You can get six free ODEON or Vue tickets if you open a Club Lloyds bank account. You’ll need to deposit £2,000 into the account each month to avoid a fee, but that’s easily done.

At Vue cinemas, your vouchers also entitle you to half price popcorn. At ODEON cinemas, you can redeem your vouchers at ODEON Kids Screenings, which come with a free kids-size popcorn per ticket.

Vue: free Vue ticket via £7 Monzo Perks

You can claim a free, standard ticket at any Vue in the UK every month. You can upgrade to a VIP, 3D, recliner or IMAX ticket but you’ll pay an extra fee.

You’ll need to use the code before the end of each calendar month, but it can be for a screening at a later date. Monzo Perks costs £7 per month and comes with a range of money saving benefits, including an annual Railcard and weekly Greggs freebies.

Cashback on cinema gift cards

Whether you’re buying a full price ticket, or stacking with other offers featured on this page, you’ll save a little by using a discounted gift card.

Some of these are special offers at retailers like Tesco or Amazon where you save when you buy. When these are available we’ll share them as featured deals.

Others will learn you cashback on your gift card purchase, and these tend to run all year around via these apps:

Up to 40% off via other memberships

There’s a good chance you can save up to 40% on cinema tickets via an existing membership or account – and if not, you could sign up as a new customer. 

The likes of Tastecard, Mastercard and Lidl offer you access to a service called Cinema Society which sells reduced tickets for ODEON, Vue, Picturehouse, Showcase, Cineworld, Empire and other independent cinemas. 

This can be a good way to save, but watch out as you might find your local cinema is cheaper itself when you buy direct! Or some of the other deals we’ve shared on this page could also work out better value.

In some cases you’ll need to pay for the initial membership, but others are free. Though you can find these in a number of places (check any work perk schemes for instance), here’s some of the more common ones you might have access to.

Available for free with other accounts:

Included with paid membership:

Other top cinema deals

We’ve listed more offers, both specific to the different chains and across different cinemas, below, but these ones in particular are worth a look:

  • Everyman: 2-4-1 Wednesday with Times+
  • Escapes: free film preview tickets

ODEON ticket deals and offers

Don’t forget we may have featured some ODEON deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.

ODEON: discounts and points via ODEON Extras

Deal expiry: Ongoing offer

Sign up for free to ODEON Extras scheme to earn points and other savings. You’ll get the following:

  • Tickets from £4.50 every Monday
  • A birthday treat (possibly a large popcorn and drink combo)
  • 500 points on joining
  • 25 points for every £1 spent

If you watch two films in three consecutive months you’ll get a free upgrade to ODEON Extras Plus. You’ll need to make another two visits every six months to keep at this level. Extras Plus will get you more and is still free:

  • 50 points for every £1 spent
  • 10% off tickets when you book online
  • An improved birthday treat
  • Invites to member screenings
  • Large popcorn for the price of a medium

You’ll need to earn a few points before you can use them. You’ll be able to swap as follows:

  • 5,000 points for a £5 food and drink voucher
  • 7,000 points for a standard seat ticket
  • 10,000 points for recliner seat ticket

So you’ll need to spend £280 to claim that free standard ticket on the base level Extras membership! If a ticket costs £10, that’ll be 14 tickets.

Points will expire 24 months after they’re earned, so don’t forget to use them.

ODEON: two tickets for £8 for Vodafone customers (+£1 booking fee)

Deal expiry: Ongoing offer

If you’re a Vodafone customer then you can get two ODEON cinema tickets every week with VeryMe Rewards. You can do this once each week for any film showing at any time.

Two standard tickets will cost £8, while two Luxe tickets cost £13.

You can also get four standard for £16 and four Luxe for £26.

The voucher can only be used on the same screening, so you couldn’t use it for one ticket at two screenings for example.

You’ll need to pay an additional £1 booking fee when using the voucher on the ODEON website, though this covers the whole booking. If you use it at the box office you won’t pay this extra charge.

To get it, you just need to tap on ‘Rewards’ in the Vodafone app and claim the offer.

If you don’t have Vodafone this hack could get you access to the various offers.

ODEON: cheaper online tickets

Deal expiry: Ongoing offer

If you book online ahead of your trip rather than buying tickets upon arrival then you get cheaper cinema tickets at ODEON. 

You’ll get charged a £1 booking fee online (included in the price you see), so check that special offers aren’t better at the box office.

Vue ticket deals and offers

Don’t forget we may have featured some Vue deals in our ‘Top cinema deals’ section above, including free tickets via bank accounts.

Vue: free tickets via Club Perks

Vue have launched a new reward scheme called Club Vue. Each time you buy a ticket you’ll get a stamp, and once you have 10 stamps you’ll get a free ticket. There are also ‘bonus treats’, so something to look out for.

You need to download the Club Vue app and join the free Vue Member scheme.

There’s only one stamp per booking, so you might want to book multiple seats separately. You’ll also only get the stamp if you book in advance on the app or website, and not via the box office.

The free ticket is for a standard 2D showing, so won’t work for 3D or other premium tickets though you can pay extra to upgrade. You’ve three months to use the free ticket once it’s been issued, and you can use it online or in person.

This appears to work with free tickets too, such as those from Lloyds Bank or Vitality, so you might not even need to spend anything to get a stamp.

Vue: two free tickets for Sky Cinema customers

Deal expiry: Ongoing offer

If you’ve got Sky Cinema, you can get two free standard Vue cinema tickets every month. The tickets can be used at any Vue cinema in the UK or Ireland, at any time Sunday – Thursday.

You’ll need the MySky app to get access to this offer, where you’ll find a code to use online and a QR code to use in the cinema. 

There’s a limit to how many free tickets Sky gives out each month, so you may need to get in early.

Vue: two tickets for £9 with O2 and Virgin Media

If you’re a broadband customer with O2 or Virgin Media you can use the O2 Priority app for discounted tickets.

You can get two Vue tickets for £9 every week or four for £18 to use on any day, at any Vue location.

There’s also 20% off food and drinks.

You can get a new code at 10am each Monday and it’s valid until Sunday of the same week. You can only take advantage once a month.

If you don’t have O2 Priority, this hack can give it to you for £10 every six months.

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Cineworld and Picturehouse cheap tickets

Don’t forget we may have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.

We’ve also details of Cineworld and Picturehouse memberships later on this page.

Cineworld: £5 Tesco tickets all May

Turn £2.50 in Clubcard vouchers into a £5 2D cinema ticket any day in May.

How to redeem:

  1. Exchange your chosen voucher value (for example, £2.50 in Clubcard vouchers to receive a £5 2D ticket).
  2. You’ll receive two emails from Tesco:
    1. A confirmation email
    2. A second email containing your Reward Partner voucher code
  3. Visit the Cineworld website.
  4. Select your film and preferred time
  5. You’ll be presented with multiple ticket options.
  6. Select “Clubcard – £5.00” and choose the number of tickets.
  7. Choose your seats.
  8. Select “Tesco Clubcard Partner Code”.
  9. Enter your voucher code – the full or partial ticket value will be deducted, depending on the amount you originally exchanged.
  10. Proceed to payment to complete your booking.

The £5 deal is on Cineworld’s standard 2D tickets.

Clubcard members can also get a special drink and popcorn deal while at the cinema, letting them buy a drink and popcorn combo at a discounted price.

The deal runs until the end of May, after which you can still use the Tesco Tuesdays deal to get £5 tickets with your Clubcard points (more details below).

Cineworld: £5 Tesco Tuesdays

Each Tuesday you can use a Tesco Clubcard Cineworld voucher that’ll cost you £2.50 in points for a £5 ticket.

You can get up to four 2D tickets with the offer, and it includes the booking fee. You need to pick “Clubcard ticket” when booking on the Cineworld website.

If you don’t have enough points to transfer, you can transfer a portion into vouchers and pay the difference for the ticket. You’ll need at least 50p in Clubcard points.

Cineworld/Picturehouse: £3 tickets via Three+

Deal expiry: Ongoing offer

Every week, Three+ customers can nab a code for a discounted ticket to use Friday to Sunday. Codes are available from Monday. It’s for 2D screenings only, though you can pay to upgrade.

Picturehouse Central and Picturehouse Fulham Road are excluded. You’ll pay a booking fee to redeem the code online, but it’s free to use in the foyer.

Cineworld: 2 for £10 via First Direct

First Direct account holders can claim two tickets for a tenner every week. You need to sign up for the free First Direct Perks scheme to access the deal.

Picturehouse: Happy Mondays

All day, every Monday (excluding bank holidays) you can watch any film at a discounted rate at every single Picturehouse. 

The most you’ll pay for a standard ticket on Happy Monday is £8.20, or £10.20 at Picturehouse Central.

Everyman cinema ticket deals and offers

Everyman offers are pretty rare, the best one being with a Times+ subscription.

Everyman: 2-4-1 Wednesday with Times+

If you subscribe to The Times, you’ll be able to get two-for-one tickets at Everyman on Wednesdays. You can get a one month free trial or £3 for 3 months then it’s a pricey £26 a month. 

Showcase ticket deals and offers

Don’t forget, we may have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.

Showcase: 10% back via Insider scheme

Showcase Insider is a free loyalty program. Members earn 10% of spend back on ticket, snack and drink purchases to use on future visits. 

Members also get discounted admission tickets, sometimes as low as £4.99 on Saver Mondays.

Other cinema deals and offers

Don’t forget, we have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.

Escapes: free film preview tickets

With Cinematik, you can get free tickets to select films for free. Each month, a film is voted to be screened, and you can book to see it on a specific day. You can book a maximum of one ticket per screening. You also have the option to reserve an additional ticket for a guest, which they’ll need to confirm separately via a shareable invite link.

The cinemas taking part are mainly local independent ones, but there are Picturehouse and Reel cinemas included. There’s a full list of all participating cinemas on the Cinematik website.

Mubi Go: free ticket every week

Deal expiry: Ongoing offer

Mubi is an online streaming service. For £11.99 a month you get a classic, world cinema or art-house flick to watch, with the curated selection adding a new film every day.

For an extra £7 per month you also get a free cinema ticket every week via the Mubi Go service. There’s a 7-day free trial and if you sign up for an annual membership, you’ll save 33%.

You typically won’t be able to watch blockbusters, instead there’s a specific new film every week. You can go to see that film once, and another film choice will be given the following week. 

With many of the films being smaller, they’ll have limited releases, so if you don’t live in a big city there’s a good chance you won’t be able to take advantage every week as not all the films will be shown at all cinemas.

Vitality: free ODEON/Vue ticket each month

Deal expiry: Ongoing offer

If you’ve got a Vitality membership, usually offered as a healthcare perk with employers, then you can nab yourself a free Vue or ODEON ticket once each month.

You now need to get a four-week streak, where you earn at least 12 points each week. You can then claim the free ticket in the app.

Enter your code on the cinema’s website when booking your tickets.

Fever: discounts at Vue, Cineworld & ODEON

You can buy a ticket from £5.60 to use for movies at Vue, Cineworld or ODEON with the entertainment site Fever.

The actual price you’ll pay varies by location. If you have a larger town or city close by, you could get a better discount by choosing a cinema there instead. 

You can also use a refer-a-friend link to save £4.

Again, do check you can’t get a ticket for less via a different offer before buying.

Here’s what you need to know about getting discounted tickets with Fever:

ODEON: you can get a standard 2D ticket at select cinemas in the UK. It’s not valid at Luxe locations or the Islington Luxe & Dine. If you want to upgrade to IMAX, 3D or recliner seats, you’ll have to pay extra. 

You can use the voucher online via the ODEON website or app, but there’s a £1 fee per ticket. You can also redeem the voucher at cinema kiosks – but not at the box office. The voucher can’t be used for special screenings or events and can’t be combined with other offers.

Vue: you can get a ticket for a film either online or via the Box Office. Each voucher is only valid once and if you cancel your booking, you won’t get it back. 

It’s not valid for premieres, special events or things like Mini Mornings or Scene screenings. With a Super Saver voucher, you can book general 2D seating, while VIP vouchers give more options, including recliners and 3D screenings (with an upgrade fee). 

Cineworld: you can get a ticket for any standard 2D film, but if you want to upgrade to 3D, IMAX or 4DX you’ll have to pay extra (plus the cost of 3D glasses if needed). If you’re booking online, there’s a small fee added.

You can’t use this ticket for Event Cinema, special screenings, Movies for Juniors or ViP seats though, so check before booking.

Cheap kids cinema tickets

Kids tickets from £2.49

Most of the big chains have deals where you can get cheaper kids or family tickets. Here’s our roundup of what’s on offer:

ODEON: £2.75 per ticket – you’ll get the same cheap price for both adults and kids at weekends and school holidays.

ODEON: Family ticket – you can get adult tickets at child prices for the same film. You’ll see the option at check out for an adult and child combo ticket.

Vue: tickets for £2.49 – Vue Mighty Mornings are kids screenings on Saturday and Sunday mornings at 10am and every day of the school holidays.

Cineworld: from £2.50 – kids and adults pay the same price via Movies for Juniors.

Picturehouse: from £3.30 per ticket – kids’ Club screenings are shown every Saturday morning and prices depend on the cinema you visit. There’s also preschool specials, exclusively for preschool children and the adult goes for free. With the family ticket option, adults only pay kids prices. It’s for four people, at least two must be under 15 (e.g. two adults and two kids or one adult and three kids).

Cheap over 60s cinema tickets

Over 60s tickets from £3.50

ODEON, Cineworld and Picturehouse have cheaper tickets for over 60s (Vue don’t have anything on offer at the moment). Here’s our roundup of the deals:

ODEON: from £3.50 per ticket – ODEON Silvers has screenings during quieter times of the day with a selection of new releases or classic films. Tickets with standard seats are £3.50 when you book as a myODEON member online and £4.50 in-cinema. Standard seats are £4.00 when you book online as a guest and £5.00 in cinema. The price includes tea, coffee and biscuits, served before the film.

Cineworld: tickets for £4.50 – CineSeniors runs every Wednesday and you also get complimentary hot drinks and biscuits.

Picturehouse: discounted tickets – Silver Screen is a free-to-join club for over-60s. Members get a free tea or coffee at Silver Screen shows. 

Memberships

These memberships could save you money on tickets – if you go frequently enough.

ODEON myLimitless: from £14.99 a month

Deal expiry: Ongoing offer

ODEON myLimitless is an annual membership that allows you to see as many films as you like in ODEON cinemas. You pay £14.99 per month or £17.99 for myLimitless Plus, which also gets you ODEON Luxe, seat upgrades and screen upgrades. 

If you go via a cashback site, you could cut the cost even more. With TopCashback you can get up to £4.25 of the price back on your first payment. Plus, you could get a welcome bonus offer.

ODEON sometimes offer discounts on annual membership, and we’ll share them here when they run.

Cineworld Unlimited Card: from £10.99 a month

Deal expiry: Ongoing offer

If you frequently go to a Cineworld, its Unlimited Card lets you go as much as you want (2D only). The minimum subscription is 3 months and starts at £10.99 a month, going up to £21.90. 

Each cinema is bracketed into a group – the amount you pay depends on the group your cinema falls in. The Cineworld website has a full list of which cinemas are in which groups

  • Group 1 cinemas – £10.99 a month
  • Group 2 cinemas – £16.99 a month
  • Group 3 cinemas – £19.40 a month
  • Group 4 cinemas – £21.90 a month

Members are also invited to preview screenings and get 10% off food and drink. If you continue your subscription for a second year, membership then includes 3D films and the food discount goes up to 25%. 

There’s also a referral scheme where you get an extra month for free if you get a mate to sign up.

We’ll share any discounts on membership here when they’re available.

Take a friend for free from 23 January to 12 February

If you’re a Cineworld Unlimited member and were registered by 20 January 2026, you can take a friend for free until 12 February.

The free ticket can be a 2D ticket only at any Cineworld cinemas.

Picturehouse: free tickets and £3 off with memberships

Picturehouse memberships give you free tickets and discounts at any Picturehouse cinema. The free tickets are sometimes restricted to your member cinema so it’s best to save them for the weekends when prices go up.

There’s two tiers of membership – Member and Member Plus. The Member option gives you five free tickets and costs between £57 and £97 per year depending on the member cinema you join. 

Member Plus gives you an extra card so you can split the costs with a mate or family member. You’ll get ten free tickets and it costs between £100 and £170 per year. 

After the freebies you’ll also get £3 off our further tickets.

Members also get a 10% discount on food and drink, free previews, no online booking fees and occasional other freebies.

At certain points in the year there are discounts on memberships, and we’ll share them here if they’re any good.

Everyman Memberships

There are a few options here, though the basic one (i.e. cheapest) allows you to take a friend for free on Mondays. You also get six free tickets for the £89 cost.

The next level up costs £325 a year, and comes with 24 free tickets. After this you can spend £680 and get unlimited tickets for two for a year.

Curzon Membership

For £65 (£50 concessions) you can get an annual “Classic” membership. This comes with five credits to use for free tickets or at home streams. You can use the credit to buy tickets for yourself and guests. There’s a further 20% discount for you and a guest on other tickets. You’ll also get 10% off drinks and snacks.

If you go to a Curzon a lot, there is a £285 “Cult” option. This annual membership gives you five free credits a week. Use them all and it’s just £1.10 a ticket! You can’t use the credits to get a ticket for a guest. If you want to pay monthly it’s £25 a month, but you’re still tied in for 12 months.

The Cult + membership doubles down with 10 free tickets a week (which are valid for events such as theatre and ballet screenings) and an additional cardholder. It comes in at £850 a year.

Expired deals

25% off MyLimitless (ended)

Odeon is running it’s New Year Sale already, offering 25% off its annual subscription. It’s £139, usually £186. Limitless Plus is reduced to £164, usually £219.

This makes it just over £11.50 per month, so if you’re a regular cinema-goer, it could be well worth it.

You can only get this when you buy a whole year upfront between 22 December 2025 and 31 January 2026.

Vue: two tickets for £9.50 (not currently running)

Groupon is offering two tickets for £9.50 or five for £22 to use at Vue.

You can only use them to book online, though you can use them across multiple visits if you want.

You’ll need to pay £2 extra to use in London or recliner seats. Here’s the full list of where this applies:

Vue Basingstoke Festival Place | Vue Bolton | Vue Bristol Cribbs | Vue Bromley | Vue Cheshire Oaks | Vue Croydon Grants | Vue Croydon Purley Way | Vue Cwmbran | Vue Edinburgh Ocean | Vue Edinburgh Omni | Vue Eltham | Vue Exeter | Vue Finchley North | Vue Finchley Road | Vue Fulham Broadway | Vue Glasgow St Enoch | Vue Harrow | Vue Hartlepool | Vue Islington | Vue Leeds Kirkstall | Vue Leeds Light | Vue Manchester Printworks | Vue Manchester Red | Vue Newcastle UL | Vue Norwich | Vue Northampton | Vue Piccadilly | Vue Plymouth | Vue Poole | Vue Portsmouth | Vue Preston | Vue Shepherds Bush | Vue Southport | Vue Swindon | Vue Thanet | Vue Watford | Vue West End | Vue Westfield | Vue Westfield Stratford | Vue Wood Green | Vue York

Tickets last until 20 November 2025.

Cineworld: 25% off Cineworld Unlimited (ended)

You can currently get 25% off a new Cineworld Unlimited subscription if you use the code UNLIMITED25 between 30 June and 13 July 2025. The price of a membership depends on the cinema that you’re signing up for and your subscription period.

You’ll also get 10% off snacks and 25% off at partner restaurants.

ODEON: 15% off gift cards at Tesco (ended)

Deal expiry: 10 August 2025

Tesco is selling Odeon gift cards with a 15% discount. You can use these to pay as normal for any ticket, including those which are discounted, such as using Meerkat Movies or the two for £10 voucher via Amazon Prime.

ODEON: 20% off gift cards at Tesco – expired

Deal expiry: 22 December

Get 20% off ODEON e-giftcards from Tesco until 22 December. The discount applies to e-giftcards valued between £5 and £25. These e-giftcards are valid for two years.

Vue: tickets from £4 each with Wowcher (expired)

Deal expiry: 14 May 2025

You can buy bundles of Vue tickets on Wowcher, either two, five or ten, and you’ll get them at a much lower price. Two tickets cost £9.50 – making it £4.75 a ticket. For five tickets, you’ll spend £22 (£4.40 per ticket), and ten tickets cost £40, making it £4 per ticket.

You can use the tickets for Standard 2D screenings, sitting in super saver seats.

You’ll have til 18 May to use the tickets, but check that your cinema is listed, as there are some exclusions, and some cinemas will charge you a £2 surcharge when redeeming it – check this list in “The Fine Print”.

To get it, go to Wowcher and search “Vue” to find the offer.

Cineworld: two tickets for £12.95 with Wowcher (expired)

Deal expiry: 31 March 2025 (though may be extended)

You can buy two Standard Cineworld tickets on Wowcher for £12, plus a £0.95 booking fee when booking the tickets.

You’ll have til 31 March to use the tickets, but check that your cinema is listed, as there are some exclusions. There’s an uplift fee for things like 3D screenings or IMAX. And be aware that you need to use them both at the same time.

To get it, go to Wowcher and search “Cineworld” to find the offer.

The best cashback or reward debit and credit cards

Earn as much as 5% back when you spend from the likes of American Express, Chase and Barclaycard.

You can earn cashback or rewards via both debit and credit cards. In most instances the best option is the one that pays the best rate.

If you’re worried about managing a credit card it makes sense to use a debit card more. However, credit cards do have extra perks like added consumer protection or for deposits when hiring a car.

Cashback can be spent as you wish, while rewards normally need to be transferred into vouchers and spent at specific retailers.

We’ve outlined the best options so you can earn as you spend.

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 cashback debit cards

The highest ongoing rate on debit cards is via the PayPal+ scheme, where there’s 1% up for grabs at home and abroad. It’s easy to use and there are ways to increase the value of the points you earn.

Trading 212 offers a lower rate of 0.5% but it’s often boosted to a higher 1.5% if you auto-invest. You’ll also earn the cashback on overseas spending. It has a cap of £15 a month.

PayPal+
1% cashback
Boosted to 1.5% if reach Gold or Black tiers
No fee
Fee-free abroad and earn cashback
> PayPal+ card review
Trading 212
1.5% cashback
Max £15 cashback a month
Must opt in to auto investment of cashback and pay one regular subscription each month with the card to qualify
Cashback payable daily
£5 for physical card
Fee-free abroad and earn cashback
> Trading 212 card review
> Customer reviews of T212 on Smart Money People

Other cards

Chase now offers 2% back, but only on groceries, takeaways, restaurants and some travel costs, and you’re capped at £20 a month in cashback. You also need to have £1,000 saved with the bank every month and use the debit card at least 15 times to qualify.

We’ve not listed cards which offer money back from time to time on a changing list of retailers. This includes Monzo, Halifax and Santander. These are worth a look but are really just pot luck as to whether something is available when you want to buy something.

Occasionally there’ll be a short lived cashback offer on other cards, and we list them on our banking deals page.

Best cashback and reward credit cards

There are different types of cashback credit card, so we’ve split this section into:

  • Best American Express cashback cards
  • Best Visa or Mastercard cashback cards
  • Best supermarket or retailer cashback cards
  • Best airline rewards cards

Cashback credit card rules

really important rule if you are using a cashback credit card.

Always pay off the balance in full every month

There’s no point using a cashback credit card if you’re going to get charged interest on your purchase. So make sure you set up a Direct Debit to clear the full balance.

If you can’t afford to do that, then a credit card probably isn’t your best option except for emergencies. I’ve written more about clearing credit card debts, so do read that.

It’s also worth doing an eligibility check before you apply if you can. This gives you a sense of whether you’ll be accepted, though not a guarantee.

Read more about these credit card rules.

Best American Express cashback and reward credit cards

The three Amex credit cards I’d look at for everyday earning are the Cashback, Nectar or Preferred Rewards Gold card.

Amex Cashback Amex NectarAmex Preferred Rewards Gold
0.75% on first £10,000 a year
then 1.25%
2 Nectar points per £1 (equivalent to 1%)1 point per £1 (equivalent to 0.5%)

Bonus points for every £5,000 spend (boosts equivalent rate to up to 0.75%)
5% welcome bonus (up to £150) in first three months20,000 welcome bonus if you spend £2,000 in two months (worth £100)20,000 standard welcome bonus if you spend £3,000 in two three months (worth £10)

Often boosted to up to 40,000 points (£175)
Cashback payable at end of yearPoints redeemable instantlyPoints redeemable instantly
£25 a year feeFree in first year

£30 a year afterwards
Free in first year

£195 a year afterwards
Also £10 back at Deliveroo each month, 4 free Priority Passes
Bonus £25 via referral (typical)Bonus £20 via referral (typical)Bonus £70 via referral (typical)
> Amex Gold credit card review
> Customer reviews of Amex over on Smart Money People> Customer reviews of Amex over on Smart Money People> Customer reviews of Amex over on Smart Money People
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Our analysis

The highest-paying of all credit and debit cards without restrictions is the American Express Nectar, which earns you the equivalent of 1% back. Of course, you are earning Nectar points, but as long as you sometimes shop at Sainsbury’s or Argos, that shouldn’t be an issue. It’s free in the first year.

If you want pure cash, then go for the American Express Cashback card. You will pay £25 a year for this, but you can wipe that out in the first year by applying via a referral link You’ll be earning 0.75% on spending up to £10,000, and then a higher 1.25% if you go beyond this. This resets every 12 months.

There is a free but lower paying (at 0.5% on first £10,000, then 1%) version called American Express Everyday Cashback. However you must spend at least £3,000 a year to get any cashback on that.

Alternatively you could look at the American Express Preferred Rewards Gold credit card. You’ll only earn one Amex point (worth 0.5% if you swap it to a gift card), though it’s boosted for every £2,500 you spend above £5,000, pushing potential earnings to 0.75%. This card is initially free, but very expensive from the second year onwards, so it’s certainly only for one year. I’d also wait for when the welcome bonus is increased.

Other Amex cards

The focus of this guide is ongoing earning from spending, whether as cashback or Amex Reward points, however we’ve a longer guide to all American Express cards, their features and their welcome bonuses, including the Platinum card.

Best Visa and Mastercard cashback and reward credit cards

If you want a back up credit card that’s not American Express, then the following are worth a look. They’re also all fee-free for spending overseas, which is something the Amex cards don’t offer.

Santander RewardLloyds UltraBarclaycard RewardsNatWest Travel Reward
3% on everyday travel, eating out and takeaways for first year, 0.25% on everything else

0.25% on all after first year
1% for first year, 0.25% after0.25%

1% on UK travel spending (including trains, planes, car rentals, hotels, buses & more)

0.1% elsewhere

Cashback paid monthlyCashback paid each JanuaryCashback paid monthlyCashback paid after 35 days
No feeNo feeNo feeNo fee
Fee-free abroadFee-free abroadFee-free abroadFee-free abroad
VisaVisaMastercard
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Our analysis

For all spending types, the Lloyds Ultra card is a top paying 1% card for 12 months, and then a lower but hard to beat 0.25% afterwards for a non-Amex card. It’s also fee free to use abroad.

But for petrol, trains and eating out, the 3% in year one from Santander is going to earn you more than on any card.

Alternatively, the Barclaycard Rewards pays a solid 0.25% cashback on spending at home or abroad, and is fee free.

I’ve included the NatWest Travel Reward credit card, but it’s only advantage over other cards is you can earn 1% back on holiday planning at home, such as hotels and flights – though you’d get the same with the Amex Nectar as long as the retailer accepts it.

Other cards

  • NatWest Reward: 1% at supermarkets, 0.25% elsewhere (£24 annual fee unless a NatWest customer) Also available from RBS
  • Virgin Money Everyday Cashback: 0.25% capped at £15 a month. Fee-free abroad

Best supermarket and retailer specific cashback and reward credit cards

These cards will earn you a decent rate at core UK retailers and supermarkets like Amazon and John Lewis. You’ll also earn on spending elsewhere, but those rates can usually be beaten by other cards listed above.

Amazon Barclaycard RewardsJohn Lewis PartnershipM&S Bank Rewards
1% at Amazon (2% on big sales)

0.5% elsewhere for the first 12 months, then 0.25%
5 points per £4 spent at John Lewis or Waitrose (equivalent of 1.25%)

1 point per £10 spent elsewhere (equivalent of 0.1%)
1 points per £1 at M&S (equivalent of 1%)

1 points per £5 at elsewhere (equivalent of 0.2%)
£20 welcome credit (sometimes boosted)Regular welcome offersRegular welcome offers
Max £15 cashback a month
Redeem credit in multiples of £5Redeem vouchers in multiples of £5Vouchers paid quarterly
No feeNo feeNo fee
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Other cards

  • Asda Money: 0.75% back at Asda, 0.2% elsewhere

Best airline reward credit cards

Fee-free versions of the following cards are available, though you’ll earn far fewer points all round.

British Airways American Express Premium PlusBarclaycard Avios PlusVirgin Atlantic Reward+
1.5 Avios per £1 spent1.5 Avios per £1 spent1.5 point per £1 spent
30,000 bonus welcome Avios if you spend £3,000 in three months

Often boosted to 60,000 points
25,000 bonus welcome Avios if you spend £3,000 in three months18,000 bonus points with first spend
Spend £15,000 to get a companion voucherSpend £10,000 to get a cabin upgrade voucherSpend £10,000 to get a companion or cabin upgrade voucher
£300 a year£20 a month£160 a year
> Barclaycard Avios review
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Our analysis

As well as earning points as you spend, the draw with these cards are welcome offers and 2-4-1 vouchers. However the latter can require huge amounts of spending – and then even more to get enough points to use alongside the vouchers, especially on non-economy seats.

Unless you are going to be spending a lot, or want to save long term for a dream trip, I prefer using cashback card and having the flexibility to shop around for deals on flights.

You can also earn points on some American Express cards, such as the Nectar, Reward, Gold and Platinum that can covert to many different airline schemes.

How do I open a bank account?

We explain exactly what you have to do and what documents you need to open a bank account in the UK – and what the different sorts of account can offer you

A bank account is an essential product to have, it’s a place where you can receive money – your wages, benefits, pension or money sent from friends and family members – and where you can pay your bills. 

There are lots of bank accounts available, from basic accounts where you can send and receive money to premium accounts where you’ll also have access to extra services such as insurance – for a fee.

You can also earn money for opening a new current account, up to £500 in some cases, although it’s only worth doing this if the new account works for you, not just for the free cash.

Here we look at how to open a bank account, what you need to open one, the fees to watch out for, and where to complain if you’re not happy.

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 bank account do I need?

There are lots of different bank accounts available, here are some of the most common you might come across.

  • Basic bank accounts: If you have a poor credit score or a low income, you may not be able to open a standard current account, but you should be able to open a basic bank account. This allows you to pay for services and receive money. You will get a debit card and can set up standing orders and direct debits, there shouldn’t be any fees to pay or minimum amounts to deposit, but you usually won’t get any overdraft facilities or extras either.
  • Standard current accounts: There’s a huge range of current accounts to choose from, and many of these have great switching offers for new customers (currently up to £500). They are a step up from the basic accounts and usually offer an overdraft but also require a basic credit check to be passed. There may be certain requirements to opening a current account – such as having to deposit a minimum amount each month or a specific number of direct debits to set up, and fees to pay if you go overdrawn.
  • Packaged current account: Lots of current accounts are free, but if you choose a paid-for account you may have access to things like interest paid on cash balances, linked savings accounts, and insurance products. 
  • Student accounts: These work like standard current accounts, but include student-friendly perks. The most notable of these is an interest-free overdraft to help with bills, but free travel cards, streaming services and other benefits are included to tempt would-be customers.
  • Joint accounts: You can open a joint account with your partner, a friend or a family member and they can be a handy way of paying for joint expenses – such as household bills. Just be careful if you’re also getting an overdraft or any other borrowing as you will both be jointly responsible for paying this back.

What do I need when I open a bank account?

You will need to show some documents when you open a bank account, usually proof of your identification and address. 

Banks have to check that the person opening the account is real, and that fraud isn’t taking place, and they do this by checking things like their ID.

This is the case no matter how you apply for the account – online, in a branch, by post or by phone.

Exactly what you need will depend on the account you’re opening but the following are normally required:

  • Your details: Name, date of birth, marital status, profession, contact details
  • Proof of ID: A passport or driving licence
  • Address: Your current address and proof of this, usually with a recent utility bill
  • Income: Depending on the account you may need to show how much you’re paid or how much you usually receive each month in income

What happens when you open a bank account?

Once you’ve chosen a bank account you’d like to open, and you’re confident you meet the requirements of the account, you will need to apply for it. You can do this online, via an app, in a branch, by post, or by telephone, depending on the account.

The process for opening a bank account usually goes like this…

  1. You will need to give the details requested to the bank
  2. It will carry checks out to make sure you meet its requirements (including a credit check in some situations)
  3. If you’re accepted, your bank account will be opened and you’ll be sent a debit card and PIN
  4. Once the account is open you’ll be given an account number and a sort code and can start sending and receiving money straight away.
  5. If you’re waiting for a switching incentive, there may be an initial period before this is paid out.

You may need to pass a credit check to open a bank account

You may need to pass a basic credit check if you’re opening a current account with an overdraft. This is so the bank can assess how risky it is to them to give you this money to borrow. If you have a poor credit score you could choose an account without an overdraft or a basic bank account instead.

How much will it cost to open a bank account?

Basic bank accounts are free and so are lots of current accounts but you may have to pay for some packaged bank accounts or premier accounts

Before you sign up to a paid-for account, it’s important to look at what’s included for the fee. You may be given access to insurance, for example, or fraud protection services. But it’s only worth switching to an account like this if you’ll use the extra things included and that you can’t get them cheaper elsewhere.

While you may be able to open an account for free, there are also fees to watch out for. These could be applied for:

  • Going into your overdraft
  • Making a late payment
  • Using your debit card abroad at an ATM or to make a purchase

How to switch your bank account

If you’re switching bank accounts, you can use the free Current Account Switch Service (CASS). It will automatically switch your bank account over, including any direct debits or standing orders that are in place. It also guarantees that if you are charged anything for a missed payment during the switch, this will be refunded to you.

Once you’ve initiated the switch, it will then take seven working days to complete.

How to complain if you’re not happy

If you have a problem with your bank account or provider, such as you’re charged a fee you don’t think is fair, you can complain. In the first instance you’ll need to make a complaint with the bank itself. 

If, after eight weeks, it hasn’t responded to you or you’re not happy with the response, you can go to the free Financial Ombudsman Service (FOS). It is an independent organisation and it can look into your complaint. If it finds the bank to be in the wrong, it may ask it to put things right, and this could include paying you if you’ve lost out on interest or if you’ve incurred fees.

FAQs

  1. Which bank account is easiest to open in the UK?

    Basic bank accounts are open to almost everyone and can be opened quickly and easily. However, they are very simple accounts and won’t include things like an overdraft or any extra features such as cashback on purchases or interest paid on balances.
    They are offered by Barclays , the Co-operative Bank, HSBC, Lloyds Banking Group (including Halifax and Bank of Scotland), Nationwide Building Society, NatWest Group (including Royal Bank of Scotland and Ulster Bank), Santander , TSB and Virgin Money.

  2. Do I need to go into a branch to open a bank account?

    You may be able to open a current account via an app, an online website, by letter or by phone. It all depends on the bank account and provider you’ve chosen. It’s usually quicker to open an account online or via an app as it can be automatically set up if you pass all the requirements.

  3. Can I open a bank account without a permanent address?

    You can open a bank account without a permanent address in some cases. Some banks, including HSBC, offer ‘No Fixed Address’ accounts in connection with homelessness charities. Often with these accounts the address listed on the bank account will be a bank branch or a post office. 


  4. Can I open a bank account without photo ID?

    You may be able to open a bank account without photo ID but you will usually need to show something else to prove who you are, such as a birth certificate or a recent utility bill.

The best ways to save and invest for grandchildren

If you want to put money aside for your grandchildren, or your parents want to save some money for your kids, Rebecca Goodman explains what you need to know first to get the best deals.

Giving money to grandchildren, either as a lump sum or regular payments, might not be the most exciting present in the world, but it can be invaluable to them (and your children). The money can be used for just about anything – from paying for university, a first car, or even to put towards a house deposit. 

There are lots of ways to save and invest for grandchildren, and how you do it will depend on when you want the child to access the money, how much you plan to give, and the tax implications. Here we discuss the options available.

We explain all you need to know.

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 the best way to save money for grandchildren?

How you choose to save money for grandchildren will depend on your circumstances and there are lots of options available. A good way to decide is by looking at when you would like the child to be able to access the money. 

  • If you want them to be able to use the money before they turn 18, a children’s savings account is usually your best bet. These accounts can be opened by the child (at a certain age), by a parent or guardian, or sometimes by a grandparent (although they may need parent or guardian’s approval).
  • You may want to wait until the child is 18 to access the money, and in this case you could use a Junior ISA – either with cash or invested in stocks and shares. 
  • If you’re looking at a longer timeframe, you could also put the money into a child’s pension – which they won’t be able to touch until they’re much older. 
  • You could also save the money in your own account and then gift it to a grandchild. This could be in a savings account, an ISA or an investment product, for example. You can give away up to £3,000 a year without it counting towards your estate and if you’re giving a higher amount, inheritance tax may only be applied if you don’t live for at least seven years. You can also give smaller, regular, sums away which are exempt from inheritance tax.

The easy-access option: a children’s saving account

A children’s savings account allows you to put money away for a grandchild and they will be able to access this at a certain age. Most accounts allow children to withdraw money and may provide a debit card so they can pay for things. These easy-access accounts pay a variable rate of interest and money can usually be withdrawn at any point without a penalty.

There are also regular savings accounts for children which tend to pay a higher rate of interest. Much like adult accounts, you are often limited to how much you can put in each month, and withdrawals may not be allowed during the first year.

Specific children’s savings accounts can usually be set up with a parent or guardian’s approval, and grandparents can contribute to these as long as they have the account details.

Grandparents can also open accounts in some cases for children. You may need the parent or guardian’s approval to open an account for a child but this depends on the account and the provider. Some accounts can be opened without parental approval, but proof of the child’s ID, such as a photo of their passport, is usually required.

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.

What is the best savings account for a grandchild?

The best savings account for a grandchild will be one that pays a decent amount of interest, allows you to put away the amount you want to, and one which suits yours (and the grandchild’s) needs when it comes to access.

Some of the best children’s savings accounts, based on the amount of interest paid, which can be opened by a grandparent include the following (you may need permission from the parent to do this):

Kent Reliance Demelza children’s savings account (4.18% AER variable)

  • Min £10 / max £25,000
  • Under 18 years old only
  • Open it in branch or via post

The Family BS Junior Saver (2) (3.35% AER variable on up to £3,000 saved, 3.6% on £3,000 to £25,000)

  • Min £1
  • Under 17 years old only
  • Open it in branch or via post

Yorkshire BS Children’s Saver (3.55% AER variable on up to £100,000 saved)

  • Min £1
  • Under 17 years old only
  • Open it in branch or via post

Halifax Kids’ Saver (2.25% AER variable on up to £5,000 saved, 0.75% on £5,000+)

  • Min £1
  • Under 15 years old only
  • Open in a branch or online

Some of the best easy-access children’s savings accounts (which grandparents can pay into but may need to be opened by a parent or guardian) include:

Nationwide FlexOne Saver (5% AER variable on up to £5,000 saved)

  • For 11-17-year-olds
  • Requires a FlexOne current account
  • Can get a Visa debit or a cash card

HSBC MySavings (4% AER variable on up to £3,000 saved / 1.2% above this)

  • Min £10
  • Ages 7 to 17
  • Debit card from 11
  • Can be opened online if parent/guardian has HSBC account, otherwise in branch only

And here are some of the best regular savings accounts for children:

Halifax Kids’ Monthly Saver (5.5% AER fixed for one year on up to £100 saved monthly)

  • Min £10
  • Under 15 year olds only 
  • Withdrawals not allowed (but account can be closed early without a penalty)
  • Can be opened online or in a branch  

Principality BS 3 Year Children’s Regular Saver (4% AER fixed for three years on up to £100 saved monthly)

  • Min £1
  • Under 15 year olds only 
  • Withdrawals not allowed (but account can be closed early without a penalty)
  • Can be opened in a branch or by post

Saffron BS Children’s Regular Saver (Issue 2) (3.95% AER variable on up to £100 saved monthly)

  • Min £1 
  • Under 17 year olds only
  • Withdrawals allowed
  • Can be opened in a branch or by post

What is the best ISA for grandchildren?

There are also a range of cash Junior ISAs for children, which come with additional tax benefits. Junior ISAs can only be opened by a parent or guardian, but a grandparent can pay money into one. 

Up to £9,000 can be put into a Junior ISA every tax year and any interest you earn is tax free. The money can’t be accessed until the child turns 18, so they’re a nice way to build up a little nest egg.   

Here are some of the best cash JISAs right now.

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

The best investment options: Junior ISAs

You can also choose an investment ISA for a grandchild, with a stocks and shares Junior ISA. These work in the same way as a cash Junior ISA but as you’re investing your money, the returns are likely to be a lot higher but you also take on the risk of the stock market and returns are never guaranteed.  

As investing is designed for the long term, a stocks and shares Junior ISA could be a good option, as you may have an 18-year period where the money could potentially rise. Here are some of the best accounts available right now.

Best Junior Stocks & Shares ISAs
Sponsored
Customer rating 4.1/5
Editor's comment
You need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
  • Annual fee
    £11.99 per month (Investor plan)
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £25 per month
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 1.51%
  • Trading fee £3.99
  • Foreign exchange fee 1.50%
  • Fund fees If you invest in funds, you'll have to pay fund fees between 0.03% and 1.5%
  • Note on fees You need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
Our top pick
Customer rating 4.3/5
  • Annual fee
    0%
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £100 or £25 per month
  • FSCS Protected? Yes
  • Transfer in existing ISAs? Yes
  • Fund fees If you invest in ready-made portfolios or funds, you'll still need to pay fund fees depending on which portfolio you choose.
  • Interest on uninvested cash 2.53%
  • Ready-made portfolios available 4 risk-based portfolios

Vanguard Junior Stocks & Shares ISA

Customer rating 4.4/5
  • Annual fee
    0.15% (max £375 per year)
  • Investment styles
    DIY or ready-made
  • Minimum deposit
    £100 per month or £500
Sells its own funds only
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 2.35%
  • Fund fees When you invest in funds you'll also have to pay fund fees between 0.06% and 0.79%

AJ Bell Junior Stocks & Shares ISA

Customer rating 4.3/5
  • Annual fee
    0.25%
  • Investment styles
    DIY or managed funds
  • Minimum deposit
    £25 per month or £250 lump sum
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 1.75% AER
  • Trading fee Shares - £5 (£3.50 if you had 10 or more share deals in the previous month), Funds - £1.50. No trading fees with regular investing and AJ Bell managed funds
  • Foreign exchange fee 0.75% on 0-£10,000, 0.5% on £10,000- £20,000 and 0.25% on values over £20,000
  • Fund fees If you invest in funds, you’ll have to pay fund fees depending on the funds you choose
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 155593

The long-term option: Junior pensions

If you’re looking for a very long-term savings plan for a grandchild, you could open a pension for them. While it may sound like a long way off, there is currently a big gap between the amount many people have saved, and the sums they require for a decent standard of living when they retire. So, if you would like to build up a little nest egg for a grandchild to supplement or replace their income when they stop working, a pension is one option.

A Junior Self-Invested Personal Pension (or Junior SIPP) can be opened by a parent or guardian for a child as soon as they are born and grandparents can contribute. 

It is usually managed by the parent or guardian, until the child turns 18. 

The annual allowance for the 2025/2026 tax year is £3,600. Thanks to the tax benefits of a pension, this means £2,800 can be put into the account this tax year and this will be topped up by the government by 20%. 

The money can’t be accessed until the child reaches pension age – which is currently 55 but will rise to 57 in 2028.

Money within a pension is invested, so the longer the money is in the pot, the longer it has time to grow. This means putting money into a pension regularly, even a small amount, could potentially see the entire pot grow substantially.  

However, as it is an investment, it’s worth remembering that the amount could rise or fall and there are no guarantees.

What are the advantages of a Junior SIPP

Paying into a grandchild’s pension allows you to build up a retirement pot for them which they can use when they retire, but there are other benefits too:

  • Tax breaks: Money paid into a Junior SIPP is free from both income tax and capital gains tax
  • Pensions tax relief: The government adds 20% onto anything that goes into a Junior SIPP
  • Lower Inheritance Tax (IHT) to pay: You could lower your IHT bill by paying money into a grandchild’s Junior SIPP (although the rules around this are set to change from 6 April 2027).  

The lucky option: Premium Bonds

Premium Bonds are loved as not only are they a very safe place to save money because they’re government backed, there’s also the chance of winning the lottery each month.

While Premium Bonds don’t pay any interest, every £1 bond you buy is automatically entered in the monthly prize draw, where you could win between £25 and £1million.

The child’s parent or grandparent must open a Premium Bond account for them, and control this until they turn 16. They must also give you the details of the child’s account.  You can then buy bonds for them and each child can hold up to £50,000 in their account.   

The tax-efficient option: bare trusts

A bare trust can be set up so any money within an account legally belongs to the child. This can be set up by a grandparent although they will need to show the child’s ID.

The grandparent then acts as a trustee of the account and manages it until the child turns 18 (or 16 in Scotland).

A major benefit of using a bare trust is that any interest earned on the money within one is seen as the child’s income, so there could be no tax to pay. Gifts put into a bare trust are known as Potentially Exempt Transfers (PETs) and no inheritance tax is due on these as long as the person who gifted the money lives for at least seven years after it’s paid.  

FAQs

  1. How do I invest for my grandchildren?

    One of the best ways of investing for a grandchild is to put money into a Junior ISA, where the child can take control of the account at the age of 16 and access the funds within it by the age of 18.

    If you are looking to invest over the very long term, a children’s pension is another option that has significant tax benefits.

    You could also invest in your own name, and gift the money to a grandchild at a later stage, although inheritance tax may apply in some situations.

  2. Can I open a savings account for my grandchild without a birth certificate?

    You may be able to open a savings account for your grandchild without a birth certificate, but you will usually need to show a different form of ID instead. This could be a passport, for example. You may also need permission from the child’s parent or guardian to open the account. 

  3. Do I need the parent’s permission to open an account for my grandchild?

    Some savings accounts can be opened by grandparents without a parent or guardian’s permission. These are usually opened in trust but you will need to show some form of ID for the child to open the account.

  4. What tax does a grandparent have to pay?

    If a grandparent opens a savings account for a child, usually as a trustee, the money within the account is seen as the child’s and any interest earned will count towards the child’s income. But if the savings account is in the grandparent’s name, the interest earned will count as the adult’s and any tax due will be calculated based on their income. 

  5. Can I open an investment account for my grandchild?

    You may be able to open an investment account for a grandchild but this depends on the account and the provider. A Junior ISA or a Junior SIPP, for example, can only be opened by a parent or guardian but a bare trust account can be opened by anyone.

  6. Tax benefits of investing for your grandkids

    Investing for your grandchildren comes with many tax benefits. If you’re investing through a Junior ISA, for example, there is no income tax or capital gains tax to pay on the interest. If it’s a Junior SIPP you can benefit from tax breaks and the government will top up contributions by 20%, up to the annual limit, and with a bare trust the account is usually taxed as if it is the child’s so may be tax free.

Regular savings accounts explained: Are they worth it?

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

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

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

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

What is a regular savings account?

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

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

How regular savings accounts work

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

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

You can typically only deposit between £50 to £500 every month, with most actually having a cap of around £200 to £300. The most I’ve ever seen was a monthly limit of £1,000 – though that’s pretty rare!

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

The account normally closes after 12 months

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

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

Watch out for high paying options that only last for six months. If you’re able to save for longer you’re better off opting for a 12 month regular saver as it’ll allow the interest to compound too.

Some will carry on after a year. Natwest/RBS’s option is the main exception where you are capped instead on the total balance you build up.

Rates can be fixed or variable

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

A fixed rate account is a good option, and worth tying in while you can.

Withdrawals can be limited

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

The best accounts require current accounts

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

How interest is calculated in a regular savings account

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

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

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

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

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

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

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

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

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

BankRateMonthly limitMax interest in 12 monthsRequirement?
Santander8%£200£103Current account
First Direct7%£300£135Current account
Co-operative Bank7%£250£113Current account
Nationwide6.5%£200£84Current account
Club Lloyds 6.25%£400£161Current account

Regular savings hacks

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

Drip feeding your savings

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

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

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

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

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

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

Featured switching deal
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Customer rating 3.9/5
  • Switch bonus
    £180
  • Offer ends
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  • Perks
    8% regular saver
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
  • Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months

Using multiple regular savers for larger savings

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

For example, at the time of writing, you could pay a total of £750 each month into three accounts that earn above 7%.

Are regular savers worth it?

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

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

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

The best regular savings accounts

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

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

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

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

Our editor James Andrews says:

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

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

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

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

The top reward current accounts

How to earn rewards & freebies from your bank

There are a number of reasons to change your bank, with switching bonuses and exclusive savings rates often a big draw. However, the easiest ones are often ‘reward’ accounts as they usually require very little effort to make something extra every month – and you don’t even need to switch to get them.

From free cinema tickets or weekly Greggs, to points and cashback paid to your account each month, they’re certainly better than the accounts we’re all used to which give nothing in return.

But they aren’t without some drawbacks, including fees and requirements that you set up direct debits or deposit money each month.

So whether you’re just after one account or are happy to game the system for a handful, here’s how they work and my picks of the ones to go for.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

What is a reward bank account?

What you get with these accounts varies. Some accounts offer cash or points, others offer freebies.

These benefits usually aren’t actually free! Most of the accounts charge a monthly fee. Some you can avoid by paying in a certain amount of money each month. Others you’ll need to take into account when working out how much you’ll make.

Though some will pay the reward into your account, others (NatWest or RBS) put the money in a separate rewards wallet which you have to manually withdraw. It’s a bit pointless really.

And if you’re claiming a non-cash reward then you will have to select it.

Qualifying for reward accounts

Some reward account require you to take an action to qualify. Here are the typical ones. You’re unlikely to be required to do all of them, probably just one or two.

Set up direct debits

Often banks require one or two direct debits, sometimes with a minimum value. Though ‘active’ usually means the money has to have been paid in the last year, the banks that use this only pay you the months a direct debit is paid.

It’s not such a huge issue as if you pay bills you’ve all got direct debits you could use – though they are best suited to a cashback current account.

If you are short of direct debits, new ones can easily be set up for other things too, such as credit card bills, memberships, subscriptions and charity donations. Here’s our guide to where to find additional and cheap direct debits.

Pay money in each month

Reward accounts often require a minimum deposit each month. This is to encourage you to pay your salary there. You can do that easily if you want – just tell your HR department of the new details.

But you usually don’t have to. It’s easy to transfer money in from a different current account via a standing order. You can do this as one lump sum or break it into smaller amounts over the month if that’s better for you.

And it doesn’t have to stay there either. You can transfer it back out straight away.

Spend on your debit card

A couple of accounts require you to spend on the debit card too. You can do this as part of your regular spending but it does mean you’ll miss out on cashback from a different card. Once again there are ways to get around this, as explained in this Halifax Reward hack article.

Use your internet banking or the app

You might also need to log in to your banking app or online account once a month to qualify for the reward. It’s worth setting a reminder in your calendar to do this if it’s not an account you’re using regularly.

My top reward bank accounts

Here’s my pick on the different reward accounts.

Monzo Perks account

  • What you get: an annual railcard, Uber One membership, one free Vue ticket a month, a free Greggs treat each week
  • Monthly fee: £7 (£84 a year)
  • What it’s really worth each year after the fee: around £115
  • Requirements: None
  • Maximum number of accounts: one

If you need a railcard (worth £35), go to a Vue each month (let’s say 12 times £6, so £72) and pick up a £2 Greggs treat twice a month (£52 a year) and pay for Uber One (£40 a year), you’d be well in profit versus the £7 monthly fee. Of course, that’s only good if you actually need those things!

You’ll also get access to extra budgeting features that aren’t on the standard Monzo account.

We’ve written up a full review of the Monzo Perks account so you can decide if it’s for you or not.

Club Lloyds account

  • What you get: six free cinema tickets (Vue or Odeon), a year of Disney+ with Ads, a magazine subscription OR a dining membership
  • Exclusive savings: 6.25% regular saver
  • Monthly fee: £3, though refunded if you pay in £2,000 a month
  • What it’s really worth each year: between £40 (magazine subscription) to £60 (equivalent value of six £10 cinema tickets)
  • Requirements: none
  • Maximum number of accounts: one individual and one joint

The Club Lloyd account is one of the easiest one to get. There’s no reason why you can’t just open this up (ideally via a switching bonus), set up a standing order to pay the £2,000 in (and out) each month, and keep claiming your reward.

You can have one personal and one joint account and claim the rewards on both, so that’s potentially three between a couple.

Here’s my full review of the account, where I break down which freebie “Lifestyle Benefit” I feel gives the best value.

Santander Edge

  • What you get: 1% cashback on bills
  • Exclusive savings: 6% savings account for one year
  • Monthly fee: £3
  • What it’s really worth each year: Roughly £25-£30 in cashback (based on low/medium bills) and £228 in interest (based on full £4000 balance saved)
  • Requirements: £500 monthly deposit and two direct debits
  • Maximum number of accounts: one individual and one joint

This isn’t a big earner on the cashback alone, but if you are paying the qualifying bills, it makes sense to sign up, especially as there’s regularly a decent switching deal on top. Here’s our full Satander Edge current account review.

I’m also a fan of the exclusive linked Edge Saver account that pays 6% for a year on up to £4,000 – you won’t get better rates on a small lump sum elsewhere. After a year you’ll want to close the Edge Saver and open a new one to keep getting a top rate.

You’ll also be able to open an 8% paying regular saver, though that’s available to all Santander current account holders.

If you need travel insurance and breakdown cover you might want to upgrade to the £17 a month Edge Explorer.

PayPal+

  • What you get: 1% or more cashback on spending
  • Monthly fee: £0
  • What it’s really worth each year: Spend £25,000 a year and you’ll get £300 to £375 back, plus around £300 to £330 via other offers
  • Requirements: None
  • Maximum number of accounts: one per person

Ok, so PayPal + isn’t a current account. But it is a debit card stacked with rewards, and my top pick for your spending. It provides 1 point for every £1 you spend with the card, and there are occasional offers to earn more (e.g. I got 10 points per £1 with a recent Eurostar spend).

You’ll start on the ‘blue’ tier, lets you swap one point for 1p, so it’s effectively a 1% cashback card. But if you earn 25,000 points (so spend roughly £25,000) in a calendar year you move up to ‘gold’ tier. Then the points are worth 1.2p when spent, or 1.5p if used on groceries, eating out and takeaways.

Then on top of this you can earn 1,000 points (worth £12 to £15) with a £10 spend on the first Friday of each month and £12.50 cashback a month on subscriptions.

All in, that could be £675 to £705 in your pocket over a year.

One quick warning, you’ll need to reach the new levels by 31 December each year – status won’t carry over (though the points won’t disappear).

Really big spenders (£50,000 a year), move on to a ‘black’ tier with even more extras. Here’s our full PayPal Plus review.

Other reward accounts

For completion, here are the other main reward current accounts. It might be worth looking at these if you already bank with them, or if there’s a switching offer on top.

Chase Bank

  • What you get: 2% cashback on certain purchases
  • Exclusive savings: 4.5% easy access for the first year
  • Monthly fee: None
  • What it’s really worth: Up to £20 cashback a month / £240 a year
  • Requirements: None
  • Maximum number of accounts: one

Other debit cards now beat Chase for cashback, despite it’s higher headline rate. That’s because it’s limited to groceries, restaurants, fuel and other everyday transport.

It’s a good easy access savings account for the first year.

Here’s our Chase Bank review.

Zopa Biscuit

  • What you get: 2% cashback on Direct Debits, 2% interest on bank balance
  • Exclusive savings: 7.1% six-month regular saver
  • Monthly fee: None
  • What it’s really worth each year after the fee: Up to £30 cashback
  • Requirements: None
  • Maximum number of accounts: one

The offering sounds good, but in practice it’s not much of a game changer. However it is free, and if you have spare direct debits that’s £30 extra each year you can gain relatively easily.

I’d look elsewhere for regular savers. Here’s our Zopa Biscuit review.

NatWest or RBS Reward account

  • What you get: £5 a month reward
  • Exclusive savings: 5.25% Digital Regular Saver (available to all current account holders)
  • Monthly fee: £2
  • What it’s really worth each after the fee: £36 plus interest
  • Requirements: two direct debits of at least £2 each and log into your account once a month, deposit £1,250 a month
  • Maximum number of accounts: one personal and one joint from NatWest and one personal and one joint from RBS

This account used to be a favourite of mine, but since its revamp a few years ago it’s not really worth it unless you have direct debits to spare or open it up when a switching offer is running.

The Rewards account is one where you have to log in to a separate ‘MyRewards’ account to claim your bonus. You can send it as cash to your account, donate it to charity, or top it up as an e-gift card payment.

Here’s more on how the account works. It’s the same for the Reward account offered by RBS.

Barclays Blue Rewards

  • What you get: free Apple TV+
  • Exclusive savings: 3.96% Rainy Day Saver on up to £5,000
  • Monthly fee: £5 (£60 a year)
  • What it’s really worth each year after the fee: £57.88
  • Requirements: pay in £800 each month
  • Maximum number of accounts: one

This one is no longer worth it in my opinion, though if you are committed to paying for Apple TV+ every month (which costs £8.99) then this will save you close to £58 over the year. However I think most people are better off just paying full price for Apple one or two months a year and binging the content.

If you decide you want to do that, then you’ll also get access to an easily beaten 3.96% paying savings account on balances worth up to £5,000.

Here’s our Barclays Blue Rewards review.

TSB Spend and Save Account

  • What you get: £5 cashback for the first six months
  • Exclusive savings: 6 Monthly Saver (available to all current account holders)
  • Monthly fee: £0
  • What you’ll really get each year: £30
  • Requirements: make 20 payments a month
  • Maximum number of accounts: at least one personal and one joint

TSB Spend and Save Plus Account

  • What you get: £5 cashback
  • Monthly fee: £3
  • What you’ll really get each year after the fee: £24
  • Requirements: make 20 payments a month
  • Maximum number of accounts: at least one personal and one joint

I’m not a fan of these accounts either as you’ve got to make 20 debit card payments each month to get a fiver. And the reward only lasts for the first six months. Once for completists only. You can however get an extra £30 cashback from Quidco for switching.

Like the free TSB Spend and Save account you’ll earn £5 a month, but you won’t be limited to the first six months. After the £3 monthly fee you’ll make £24 a year. However, you still have to make 3-20 card payments which I think is a stretch when there are better paying cashback cards out there.

Should you get a reward current account?

I’m a big fan of the PayPal+ rewards. Though you’ll need to use it alongside another current account, it’s winner for anyone able to spend £25,000 a year, which is an average of £2,084 a month or £481 a week.

For those that need a railcard, Uber One and regularly go to a Vue and Greggs, the £7 Monzo Perks fee is well worth it.

Then, if you’re comfortable with multiple current accounts then I’d definitely look at getting the Lloyds and Santander ones too.

After this I’d only bother with the NatWest and RBS accounts if I already had one, or get one via a switching bonus.

Even I can’t be bothered with the TSB rewards due to the faff, while the fee for Barclays just doesn’t add up for most.

Having multiple reward accounts

As I’ve said many times, there’s no reason why you only have to have one current account – and that means you can have multiple reward accounts too.

You’ll usually only be allowed one personal reward account with each bank, though it does vary, and most let you can have an extra one as a joint account too. That means you could potentially have three accounts in a household, and three times the rewards.

But the more you have, the more you have to do to be eligible. Some are easy to overcome, others might make it less worthwhile.

Recirculating your inbound payments

Most people should be able to cover the minimum deposit payments for one reward current account. And if you have more than one then it’s easy to repeat for the others by moving the same money between each account.

I actually do this via a standing order where the money automatically goes from bank to bank to hit the eligibility threshold, with it eventually coming full circle back to my original account.

Covering the fees

This is a bit of faff, but manageable. Since some of the accounts charge a fee but don’t pay the reward directly into your account, you’ll have to make sure there’s enough in there each month to cover this charge. You’ll also need to remember to transfer the reward over each month too.

Running out of direct debits

If you have multiple reward accounts then you might quickly run out of direct debits. It used to be you could set up a couple of £1 ones for charities, but the banks have cottoned on to this and made it pretty pointless.

For example, NatWest give you £2 back for each direct debit, but the DD needs to be at least £2. So if you’re setting up a new payment just to get the reward, you won’t actually be any better off.

Of course you could see it as free cash for charity – which is great – but it does require a bit of effort.

Investing offers and cashback deals

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 for opening an investment account. We’re only sharing these promotions as a way to get some free cash rather than a recommendation of individual investment platforms or funds. Sometimes the type of account you open matters, so take a look at the T&Cs to double-check. We’ve split them into Stocks & Shares ISA offers and General Investment Account offers.

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. 

Stocks & Shares ISA offers

These are offers to tempt you to sign up for a new ISA or transfer existing ISAs. 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.

ISA offers
Our top pick
Customer rating 4.7/5
  • Offer
    Free fractional share up to £100*
  • Annual fee
    £0
  • Type of investing
    DIY investing
  • Minimum deposit
    £1
*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC. Terms apply
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Fractional shares Yes
  • Interest on uninvested cash 3.8%
  • Flexible ISA Yes
  • Foreign exchange fee 0.15%
  • Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
  • Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
  • Important details Remember, the value of any money invested, which includes your free share, could go up or down
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
  • Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating 4.1/5
  • Offer
    £100 in free trades*
  • Annual fee
    £5.99 per month for portfolios up to £100,000
  • Type of investing
    DIY or ready-made
  • Minimum deposit
    £0
*New customers can get £100 in free trades to use by the end of 2026
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash Yes – tiered interest is paid on cash balances within your ISA, based on the amount held.
  • Fees £5.99 per month (up to £100,000), £14.99 per month (no upper limit)
  • Flexible ISA No
  • Foreign exchange fee Core plan: 0.75%; Plus plan: 0.75% (first £50,000), then 0.25% above this
  • Fund fees Ongoing fund charges vary depending on the investments you choose. These are set by fund managers and typically differ across funds.
  • Trading fees Funds: from £3.99 per trade, UK & US shares (including ETFs and investment trusts): £3.99 per trade, Other international shares: from £9.99 per trade, Regular investing: free
  • Investments available Shares (UK and international), Funds, ETFs, Investment trusts, Bonds
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 141282
  • Risk warning Capital at risk. The value of your investments may go up or down
  • Offer details New customers opening an ISA or general investment account can get £100 in free trades when they sign up and make a deposit by 31 July 2026. You have until the end of the year to use the free trades.
Customer rating 4.7/5
  • Offer
    up to £1,000 in SpaceX shares*
  • Annual fee
    £0
  • Type of investing
    DIY or ready-made
  • Minimum deposit
    £0
*New customers can get between £30 and £1,000 worth of SpaceX shares when you invest £300
  • FSCS Protected? Yes
  • Transfer in existing ISA? Yes
  • Interest on uninvested cash 3.75%
  • Fractional shares No
  • 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
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
  • Risk warning Capital at risk. The value of investments can go down as well as up.
  • Free SpaceX share offer New customers can get a randomly allocated bundle of SpaceX shares worth between £30 and £1,000 when you make £300 of trades by 31 July 2026. You need to maintain an average of £300 invested from 1 August 2026 until 31 October 2026. You need to use the code SPACEXSHARES to get the offer

Charles Stanley Direct Stocks & Shares ISA

Customer rating 3.6/5
  • Offer
    Up to £1,500 cashback*
  • Annual fee
    0.3% (min £5 per month)
  • Type of investing
    DIY investing
  • Minimum deposit
    £0
*You can get £300-£1,500 cashback when you transfer an ISA between £20,000 and £200,000
  • 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 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
  • Transfer in existing ISA? Yes
  • Fractional shares No
  • Interest on uninvested cash Yes - 1.5% on balances up to £99,999 and 1.9% on balances over this
  • Flexible ISA No
  • Foreign exchange fee 1%
  • Offer details The amount you'll get in cashback depends on how much you transfer. A transfer of £20,000 gets you £300 cashback
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 124412
  • Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating 3.8/5
  • Offer
    free £50 worth of assets*
  • Annual fee
    Custody fee of 0.35% per year (max £45)
  • Type of account
    DIY and ready-made investing
  • Minimum deposit
    $50
*Get £50 worth of free assets when you deposit £200 into a General Investment Account
  • FSCS Protected? Yes
  • Interest on uninvested cash 3% on balances up to $50,000, 3.8% on balances over this
  • Fractional shares Yes
  • Foreign exchange fee 0.7%
  • Fund fees If you invest in funds, you'll have to pay fund fees, which cost on average ~0.16% per year, with additional market-spread effects up to 0.05%
  • UK shares trading fee You'll pay £3.95 per trade for shares, ETFs and mutual funds and £5.95 per trade for bonds
  • Managed portfolio fees Management fees are tiered, so you'll pay 0.45% up to £50,000, then 0.20% from £50,000 to £100,000, 0.10% from £100,000–£1.5m, and 0% above £1.5m. A platform fee of 0.25% also applies to all managed portfolios.
  • Authorised and regulated by the Financial Conduct Authority Yes, FRN 583263
  • Risk warning The value of your investments may go up or down. Your capital is at risk. ISA powered by Moneyfarm. ISA rules apply. UK residents only.
  • Offer You need to sign up, verify your account and deposit at least £200 to get the free asset. ISA deposits aren't included in the £200 requirement to get the offer.
Customer rating 4.8/5
  • Offer
    Discounted annual fee*
  • Service fee
    0.25%
  • Type of account
    DIY or ready-made investing
  • Minimum deposit
    £10
  • FSCS Protected? FSCS protection may apply if the custodian fails. It does not protect against investment losses.
  • Transfer in existing ISA? Yes
  • Investments available You can invest in OEICs and exchange-traded investments
  • Flexible ISA Yes
  • Fees £2 per month and a 0.25% platform fee - if you join before 31 July using code SUMMER26, you’ll pay no subscription fee and a lower 0.15% platform fee
  • Fund fees When you invest in funds you'll also have to pay fund fees
  • Authorised and regulated by the Financial Conduct Authority Yes, FRN 955775
  • Risk warning The value of investments can go up and down and you may get back less than you invested.

General Investment Account offers

GIA offers
Our top pick
Customer rating 4.7/5
  • Offer
    Free fractional share up to £100*
  • Annual fee
    £0
  • Type of investing
    DIY
  • Minimum deposit
    £1
*New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC. Terms apply
  • FSCS Protected? Yes
  • Fractional shares Yes
  • Interest on uninvested cash 3.8%
  • Foreign exchange fee 0.15%
  • Fund fees If you invest in ETFs, you'll have to pay fund fees depending on the funds you choose
  • Offer details To get the offer, you need to open a Trading 212 Stocks and Shares ISA or Invest account and deposit at least £1 within 10 calendar days
  • Offer New customers get a free fractional share worth up to £100 when you sign up via our link or use the code BCWYC
  • Important details Remember, the value of any money invested, which includes your free share, could go up or down
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 609146
  • Risk warning Capital at risk. The value of investments can go down as well as up
Customer rating 4.7/5
  • Offer
    Choose a free share*
  • Annual fee
    £0
  • Minimum deposit
    £0
*You can choose a free share if you're a new customer by opening a General Investment Account and making a deposit
  • FSCS Protected? Yes
  • Fractional shares Yes
  • Interest on uninvested cash 4.50%
  • Foreign exchange fee 0.50%
  • Fund fees If you invest in funds, you'll have to pay fund fees depending on the funds you choose
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 522157
  • Risk warning Capital at risk. The value of your investments may go up or down
  • Offer details New XTB customers can get a free share of their choice (choose from Tesco, BP, Glencore, Barclays, Rolls‑Royce Holdings). You need to be a new XTB customer, open a General Investment account and make a deposit to get the offer
Customer rating 4.1/5
  • Offer
    £100 in free trades*
  • Annual fee
    £4.99 per month
  • Type of investing
    DIY or ready-made investing
  • Minimum deposit
    0
*New customers can get £100 in free trades to use by the end of 2026
  • FSCS Protected? Yes
  • Interest on uninvested cash 1.51%
  • Fractional shares No
  • Foreign exchange fee 1.50%
  • Fund fees If you invest in funds, you'll have to pay fund fees between 0.03% and 1.5%
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 141282
  • Risk warning Capital at risk. The value of your investments may go up or down
  • Offer details New customers opening an ISA or general investment account can get £100 in free trades when they sign up and make a deposit by 31 July 2026. You have until the end of the year to use the free trades.
Customer rating 4.7/5
  • Offer
    up to £1,000 in SpaceX shares*
  • Annual fee
    £0
  • Type of investing
    DIY or ready-made
  • Minimum deposit
    £0
*New customers can get a bundle of UK shares worth up to £300 when you invest £300
  • FSCS Protected? Yes
  • Interest on uninvested cash 3.75% usually
  • Fractional shares No
  • 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
  • Authorised and regulated by the Financial Conduct Authority Yes: FRN 944492
  • Risk warning Capital at risk. The value of investments can go down as well as up
  • Free SpaceX share offer New customers can get a randomly allocated bundle of SpaceX shares worth between £30 and £1,000 when you make £300 of trades by 31 July 2026. You need to maintain an average of £300 invested from 1 August 2026 until 31 October 2026. You need to use the code SPACEXSHARES to get the offer

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 Investment 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.

The best bank switching offers (July 2026)

The best cash incentives available when you switch banks right now

We’ll update this page as new offers appear, though you should check the terms and conditions at each bank before you begin to ensure they haven’t changed.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

Featured cashback offer
Sponsored
Customer rating 3.7/5
Editor's comment
Subscribers to our newsletter can get an exclusive £18 welcome bonus when joining Quidco and spending £10
  • Bonus
    £18
  • Requirement
    Subscribe to our newsletter
  • Minimum spend
    £10
  • Offer details Subscribers of our weekly newsletter can get an exclusive £18 first-time bonus when they spend £10. You’ll also get the cashback offered by the retailer on top
  • How to get the bonus Once you sign up, you’ll need to click on the sign-up confirmation email that will be sent immediately. If you don’t see it please check your spam folders as it could be there, and then add our email address to your safe senders list. Then, look for a special email that will be sent to you with the exclusive Quidco sign-up link. Make sure to read the terms and conditions on Quidco’s website before making your first purchase to ensure it tracks
  • Offer expiry This offer is due to end 31 March 2026, but will hopefully be extended

Bank Switches
Sponsored
Customer rating 3.9/5
  • Switch bonus
    £180
  • Offer ends
    Unknown
  • Perks
    8% regular saver
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
  • Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months

HSBC £220 switch offer

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

NatWest £200 switch offer

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

RBS £200 switch offer

Customer rating 4/5
  • Switch bonus
    £200
  • Offer ends
    Unknown
  • Extra perks
    Up to £36 rewards a year
  • Bonus paid Within 30 days of meeting criteria
  • Bonus requirements Switch using the Current Account Switch Service, close your old account and log on to online or app banking within 60 days of switching
  • Deposit requirements Pay in £1,250 within 60 days of switching
  • Eligible accounts Reward, Select or Premier Reward
  • Existing customers? No
  • FSCS Protected? Yes
  • Restrictions Offer is limited to once per person, cannot have ever received a switching bonus from RBS, Ulster or Natwest and cannot have had a current account on 6 May 2026

Barclays £200 switch offer

Customer rating 4.2/5
  • Switch bonus
    £200
  • Offer ends
    Unknown
  • Extra perks
    Free Apple TV (with Blue Rewards)
  • FSCS Protected? Yes
  • Bonus paid Barclays will text you when you’ve met the conditions, then you’ll get the switch reward within 45 working days
  • Eligibility Pay at least £2,000 into your new Barclays Current Account within 30 days of opening
  • Direct debits transferred over Must be completed through the Current Account Switching Service, which moves all payments to a new account within seven working days and closes their old account on the switch day they choose, transferring any money to their new account
  • Existing customers? Only available to new current account customers who download the Barclays app who are also UK residents - if you had a Barclays current account on 9 June 2026, you can't get this offer
  • Eligible accounts Current account with Blue Rewards
  • Blue Rewards You can opt to add Blue Rewards to your account — it's not necessary for the switch offer, but can get you the extra perks like Apple TV and cashback at select retailers. Blue Rewards costs £5 per month.

Nationwide £175 switch offer

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

first direct £175 switch offer

Customer rating 4.7/5
  • Switch bonus
    £175
  • Offer ends
    Unknown
  • FSCS Protected? Yes
  • Bonus requirements Switch using the Current Account Switch Service, close the old account and use your debit card five times and log into online banking in the first 45 days
  • Deposit requirements Pay in £1,000 within 30 days of opening the account (and leave it there for 24 hours)
  • Direct debits transferred over Move two direct debits or standing orders from your old bank
  • Existing customers? No
  • Restrictions You can't have or have ever had a First Direct account or have opened an HSBC account since 1 January 2018. Offer limited to once per person
  • Cashback requirements Extra £35 if you apply via cashback site Quidco or TopCashback (rates vary)

Bank of Scotland £175 switch offer

Customer rating 3.5/5
  • Switch bonus
    £175
  • Offer ends
    Unknown
  • Perks
    up to 15% cashback at select retailers
  • FSCS Protected? Yes
  • Bonus requirements Switch to a new Classic, Silver or Platinum account, including those with Vantage. You must open the account and start the switch by 29 June 2026
  • Deposit requirements No deposit requirements
  • Direct debits transferred over You need to transfer over 3 active direct debits
  • Restrictions You can't switch from a Lloyds of Halifax account, and you won't get the offer if you've received a switch offer from Halifax, Bank of Scotland or Lloyds since 1 January 2023
  • Eligible accounts Classic, Silver or Platinum accounts

Premier Bank Account switch offers

Barclays Premier Account

Customer rating 4.2/5
  • Switch bonus
    Signature experience worth up to £600
  • Offer
    27 August 2026
  • Extra perk
    £500 0% overdraft
  • FSCS Protected? Yes
  • Fees None
  • Requirements You must either pay in a gross annual income of at least £75,000, or have a total balance of at least £100,000 in savings with Barclays
  • Overdraft requirements None
  • Signature experiences to choose between You can choose an experience, including Michelin-starred dining, premium overnight stays, live experiences and family experiences.
  • Switch requirements Switch using the Current Account Switch Service and close your old account, switch over two active direct debits, pay in £4,000 within 30 days
  • Switch restrictions Offer is limited to once per person; you can't have opened a Barclays account before 9 June 2026 or previously received a switching bonus from Barclays
  • Blue Rewards You can opt to add Blue Rewards to your account — it's not necessary for the switch offer, but can get you the extra perks like Apple TV and cashback at select retailers. Blue Rewards is free with the Premier account.

HSBC Premier £500 switch offer

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

NatWest £250 switch offer

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

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

More on bank switch offers

About bank switching

Bank switching doesn’t need to be scary, and once you get the hang of it you can make some decent cash! Here’s everything you need to know to get started.

How to switch bank

You can switch bank for a number of reasons, but the main benefit is an effective cash bribe that banks offer to get you to choose them.

Here are the basics to get you started.

Switch bank like a pro

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

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

The best extra ‘dummy’ accounts

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

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

Cheap extra direct debits

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

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

Featured switching deal
Sponsored
Customer rating 3.9/5
  • Switch bonus
    £180
  • Offer ends
    Unknown
  • Perks
    8% regular saver
  • FSCS Protected? Yes
  • Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
  • Deposit requirements Deposit £1,500 in the first 60 days from opening the account
  • Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
  • Existing customers? Can't have held any Santander current account on 1 January 2025
  • Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
  • Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
  • Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months

Does bank switching affect your credit score?

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

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

Debit card ‘spend’ hack

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

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

The best rated current accounts

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

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

The cheapest ways to get Wimbledon 2026 tennis tickets

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

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

Here are my top tips for getting a cheap ticket now the Championship is underway.

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.

1. Go in the first week

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

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

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

2. Try to buy last-minute tickets

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

Try your luck the day before

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

American Express cardholder tickets

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

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

Ballot tickets

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

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

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

3. Join the queue

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

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

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

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

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

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

4. Get a ground pass

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

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

5. Get £10 returns

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

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

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

Costs in 2025 were:

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

6. Bring your own food

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

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

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

7. Go there after work

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

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

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

8. Look for people leaving show courts

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

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

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

9. Ask if you can take empty seats.

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

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

10. Get a refund if it rains

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

Our podcast

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

Episodes every Monday.

11. Watch it on the big screen

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

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

12. The Wimbledon Ballot for next year

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

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