Find out which Santander branches are set to close and what you can do if yours is closing
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Starting in June this year, a massive 44 Santander branches will be closing their doors for good.
As with other banks that are choosing to close branches, the move is due to more customers using online banking and apps rather than visiting their branches. We reported on the closure of 595 branches in 2025 across all the high street banks.
It’s understandable in many ways. Santander says that it’s seen a 63% increase in digital transactions since 2019, with a 66% reduction in transactions made in branches over this time.
This can be incredibly frustrating for customers, especially those who don’t want to go digital.
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What you can do if your bank closes
If your Santander branch is set to be axed, you’ve got a couple of options.
Stick with Santander
If you want to stay with Santander, then you can use your local post office. You can pay in money and cheques into your account, and withdraw cash too – though that has the same limit as if you used a cash machine. It’s not perfect, but at least it gives people in remote areas somewhere to go.
Change your bank
A better option might be to switch to a bank which has a branch near you. Of course, there’s no guarantee your new bank won’t close its branches in the future. But you’re at least protected for a while – and you might be able to take advantage of a switching bonus.
And of course, you can take your banking fully digital. There are newer banks that have been designed from the beginning to work better for you on your phone, such as Monzo or Starling.
If you’re thinking of what you can do with your little ones that won’t break the bank, here are some ways to spend less on days out and activities
Days out aren’t cheap, so here we’ll share special offers where you can bring down the price of tickets, as well as any special free events and activities. We’ve also had a look at schemes such as Kids Pass and Little Bird and shared whether we think they’re any good.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Kids & family membership offers
Day Out With The Kids: one year for £1
This deal, originally a Black Friday offer, will get you a full-year membership for just £1, saving £29.99. You’ll need the code BF254U.
Kids Pass: free 12-month pass with Santander (ended)
If you open a new Santander savings account or cash ISA and deposit at least £100 within 30 days of the account opening, you can get a free 12-month Kids Pass membership.
You need to have online and/or mobile banking, and you can’t have an existing Kids Pass membership. You’ll have until 10 March 2026 to redeem your code.
Barclays is offering free social tennis sessions each weekend across the country for all ages every weekend. The sessions are at 10am on Sunday mornings — you can find a nearby court on the website and book onto a session.
You’re not just limited to one session either, you can book every weekend if you want to.
You don’t need to have any equipment, know-how or even a partner to play with. The sessions are social, so you can meet new people to play with.
To book, you go to the website and search for a park tennis court near you with your postcode. If there’s not one near you yet, keep checking, as they’re adding new ones all the time.
Tennis for Free: free sessions for kids and adults
Tennis for Free is offering free tennis sessions at a number of locations across the UK. Sessions are usually at the weekend and last about an hour. Some are for kids aged 12 and above, while some are for all ages, and they’re more about having fun than professional coaching.
All abilities are welcome and equipment is provided for the sessions.
Once you’ve found a venue near you, you’ll need to sign up for an account and book a slot online. If there’s not one near you yet, keep checking, as there are more coming soon!
Lidl Plus: free ticket to 3,000 activities across the UK (ended)
If you’ve got Lidl Plus, then until 24 October 2025, you can get a free ticket every day to one of 3,000 activities across the UK. To get it, go to your Lidl+ app, find it in ‘Partner offers’ in ‘More’ and click ‘Redeem this offer’.
Once in, you can search for activities nearby – most of the activities are for things like dancing, taekwondo, paintballing and museum visits.
Kelloggs: free football camp with promotional boxes (ended)
If you pick up a promotional Kellogg’s product between 1 April and 18 August 2025 then you can get a free day at a football camp for kids aged between 7 and 14.
To claim the free day, you need to scan the QR code on the pack or go here to register. You need to enter the last four digits of the barcode for the product you bought, as well as your postcode. Then you’ll be able to see the current places and request a code to book.
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Free ticket offers
Wetlands: free tickets between 2 and 8 February
You can currently get free tickets to WWT wetlands sites for World Wetlands Day. You can visit between 2 and 8 February, however it’s very popular, so you want to book soon if you’re interested.
To get one, find a site, then choose a date. You’ll need to enter an email address to claim it. You can get up to 2 tickets per email.
The National Lottery runs a regular promotion where you can get free or low-cost days out, including Eden Project, National Trust, the Tower of London and English Heritage properties.
The National Lottery Open Week runs between 7 March and 15 March 2026 — booking is open now.
To get access, you need to have a National Lottery ticket or scratchcard, which you can use to visit a National Trust or National Trust for Scotland property for free or at a discount. The date of the lottery ticket isn’t relevant, but maybe hang on to it until you know if you’ve won.
If you take out insurance via MoneySuperMarket you can get free membership to the SuperSaveClub, which offers free tickets every week and month to big name attractions like London Zoo.
But there’s a way to get access without buying insurance that won’t cost you anything – simply sign up for the free Credit Monitor service. You can also do this for every adult in your home, increasing how many free tickets you get.
Open Farm Sunday: free farm visits on Sunday 8 June (ended)
On Sunday, 8 June, farms across the country will be opening for free for the day. You can book tickets on the Open Farm website.
You’re able to get tractor rides, meet the animals, go on a guided tour, learn about science in farming, see how the machinery works and visit farm shops.
In September each year many buildings open their doors for free across the UK. Here are some of the main organisations, but do check locally to see if there are other places offering something similar.
Heritage Open Days (England) – September 2025 (ended)
On weekends from 12 to 21 September 2025, Heritage Open Days is offering free access to events celebrating England’s history and culture, such as tours and exhibitions. You can register for tickets until 14 August. Details here.
Open House London – September 2025 (ended)
From 13 to 21 September 2025 you can get free or discounted access to hundreds of buildings and gardens in London, many of which are normally closed to the public. Bookings opened on 20 August 2025. Details here.
Doors Open Days (Scotland) – September 2025 (ended)
In September 2025 there’s a similar open day festival in Scotland giving you access to buildings and events across the country. It runs across four weekends, depending on location. Details here.
Open Doors (Wales) – September 2025 (ended)
Throughout September 2025 you can get free entry and guided tours to more than 200 historic sites in Wales. Loads of events don’t require booking. Details here.
Gardens
BBC Gardeners’ World magazine: 2-4-1 entry card (ended)
This offer is back after the May edition sold out and it’s always worth a look. If you buy the September 2025 edition of Gardeners’ World magazine you’ll get a card that’ll get you 2-4-1 entry to over 380 gardens in the UK and Northern Ireland.
This includes:
Leeds Castle (save £33)
Hever Castle (save up to £25)
Knepp’s Rewilded Walled Garden (save £30)
69 National Trust gardens
26 National Trust of Scotland gardens
12 English Heritage gardens
This year, 137 gardens also offer discounted entry for solo visitors.
The magazine costs £7.99 (£2 cheaper than the May edition) and you can buy it in shops or online (you can get it for £8.99 including postage).
The pass is valid until 2 April 2026 and can be used as many times as you like.
Complete this online form and you’ll be able to visit an English Heritage site with your family between now and 2 November 2025.
The pass permits two adults, two adults and three kids or an adult and four children and is worth around £40. Participating sites include Bolsover Castle in Derbyshire, Eltham Palace in London and Whitby Abbey, North Yorkshire.
Once you’ve filled out the form you’ll be sent a digital pass to your email. If you’re keen, be quick as the passes usually run out very swiftly!
English Heritage: free family pass with £1.20 newspaper (ended)
Alternatively, buy a Reach newspaper between 20 September and 28 September – which include the Daily Mirror, Daily Express and Daily Star (the cheapest option at £1.20) – and get free entry to an English Heritage property with your family.
The voucher’s included in the newspapers and the pass is valid until 2 November 2025. Make sure you check the terms and conditions for exclusions and the English Heritage website for opening times.
With WalesOnline and InYourArea you can get a free family day pass to participating National Trust sites.
But you’ve got to be quick! There’s a limited number of passes available, and they tend to be snapped up very quickly.
The day pass admits two adults and up to three children, or one adult and four children. Single adults and couples can also use it. You might need to prebook. When booking, select ‘Affiliate organisation member or passholder’ for the number of people your pass can admit.
The vouchers need to be used by 31 August. You can redeem it Monday to Sunday, excluding 23 to 25 August 2025.
National Trust: get a free one-day family pass with the Daily Mirror (ended)
National newspaper publisher Reach is giving away free National Trust family day passes to participating National Trust sites in England, Wales and Northern Ireland, worth £50, when you buy the Daily Mirror until 13 July. You can use it on two adults and three children or one adult and four children.
The vouchers need to be used by 31 August. You can redeem it Monday to Sunday, excluding 23 to 25 August 2025.
Check the T&Cs before going, as some sites are excluded. When booking, select ‘Affiliate organisation member or passholder’ for the number of people your pass can admit.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
If you work in the public sector or are a civil servant, a Boundless membership gives you free access to UK attractions, including Kew Gardens, a free Kids Pass and Tastecard.
Basic Boundless costs £40 a year
Boundless Plus costs £68 a year
We’ve looked in more detail at who can get it and what you get in our review.
Kids Pass is a membership which gives you discounts on the places and things kids like to do.
Kids Pass promises:
Up to 57% off at “family days out” such as theme parks, bowling and play centres
Up to 40% off at cinemas, seven days a week
Kids eat free or for £1 at hundreds of restaurants
Savings on places like Butlins and Haven
You only need one card per family, rather than per child.
Is Kids Pass any good?
The discounts can be pretty decent, especially the restaurant and cinema deals.
Restaurant deals
Some restaurant chains include are Giraffe, Garfunkels, Barburrito, Handmade Burger Co, and Bella Italia, each offering free food for kids or £1 meals. There’s also BOGOF at Pizza Hut (delivery) and a second pizza for £1 at Papa John’s. There are hundreds of independent ones, too. You can see those involved without getting a membership.
Cinema deals
The cinema discounts through Kids Pass are available at most major chains and various independent places. You get up to 40% off tickets for kids and adults, making it a good option even if you don’t have kids. A quick look at a few different chains and it generally works out as £8 per adult ticket.
Check if it’s cheaper to buy your tickets with a different deal.
You’ll need to buy your tickets through the website or app – you can’t just show your pass at the box office.
Other deals
The theme park and other family activities look good, though as with most entertainment, it’s worth shopping around for other offers. It does look like it includes all the major theme parks and places like Madame Tussaudss and London Dungeon.
You can also save up to 50% at places like Eurocamp, Haven and Butlins.
Here are some offers for when you’re heading out to the pub.
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Pub promotions
Brewdog: buy one, get one for £1 for pizzas and burgers
Now extended until February 13, the deal from Brewdog lets you get a pizza or burger for £1 when you buy another one.
You can grab the offer at any UK locations except Belfast Grand Central, Edinburgh Airport, Edinburgh Waverley, Gatwick Airport, Waterloo Arms and Hull.
The offer is for pre-book only, not walk in customers, and sees the cheaper of the two burgers or pizzas charged at £1. Takeaway and delivery are also excluded.
If you’re in a big party, you can order up to eight pairs of £1 deals per booking, and your Equity for Punks discounts still apply to the bill.
Lucky Saint: free pint or bottle at pubs nationwide
For those doing Dry January, you can get a free Lucky Saint at pubs nationwide. To get it, just go to the promotional website and choose a location on the map. Once you’ve chosen a location, you enter a few details. You’ll then be sent an email with information on how to claim it.
Your email will let you know if your free drink is a pint or a bottle of Lucky Saint.
Those off alcohol, whether you’re attempting dry January, just trying to cut down or simply not into it, Greene King is offering free alcohol-free drinks until the end of January.
You can get one of any of the bwloe, as long as your local Greene King has the stock:
Freixenet 0.0% Sparkling Wine
Old Mout Berries & Cherries Alcohol Free
Lucky Saint Unfiltered Lager
Lucky Saint Hazy IPA
Heineken 0.0
Peroni Nastro Azzurro 0.0%
Thatchers Zero
Kopparberg Strawberry & Lime Alcohol Free
Kopparberg Mixed Fruit Alcohol Free
Old Speckled Hen Low Alcohol
Corona Cero
Clean Rhubarb Spritz
Clean Rhubarb Mule
Clean Blood Orange Spritz
Clean & Stormy
Clean Pineapple Spritz
Clean Elderflower Spritz
0% Hugo Spritz
0% Pineapple Spritz
Warner’s Pink Berry 0.0% Spritz
To get it, you need to quote “Cheers to Zero” at the bar and you’ll be able to get one of the above.
If you download Greene King’s new app and register for it, then you can spin the wheel to win a main, dessert or drink.
You get 30 days to claim the freebie.
Prizes include:
A free drink — you can choose from Peroni Nastro Azzuro, Peroni Natro Azzuro 0% bottle, Birra Moretti, Coke Zero, Diet Coke, Schweppes Lemonade, Madri, Cruz Campo, Rekorderlig, Aspall, GK IPA, Abbot Ale, Old Speckled Hen, Hazy Day, Level Head. Only Soft Drinks and Peroni Nastro Azzuro 0% bottle will be available in Scotland
A free dessert — up to the value of £7.99
A main meal — up to the value of £18.99. This excludes sharers or any meal priced higher than £18.99, only selected from the main menu, and does not include any breakfast, brunch, lunch, seniors, specials, children’s menus or timed menus.
Sign up to Brewdog’s loyalty scheme, Brewdog Treats, and get a free pint of any Brewdog draught beer as well as discounts and rewards to spend at the bar.
You’ll need to redeem the pint within 30 days and you can use it in all UK BrewDog bars apart from: Hull, Upminster, Edinburgh Waverley, Edinburgh Airport, Gatwick Airport, Belfast Grand Central.
You can get a free pint of Heineken or Heineken 0.0 from a participating pub until 31 October 2025, or 40,000 free drinks have been claimed.
To get it, head to the promotional website and enter your details. Then, use your current location or search for locations to find a pub near you where you can get a free pint. Once confirmed, you’ll get an email with your voucher.
From 10 September to 17 October, you can get a free pint of Hazy Day IPA when you download the Greene King App and register. If you’re already signed up, it should be waiting in there for you. Once you have the voucher, you only have until 31 October to redeem it!
Running from January 2 to January 15 there are deals to be had across a range of drinks and food for people looking to save a bit of cash at one of its 600 locations across the UK.
Here are some of the highlights:
99p – pint of Worthington’s beer
£2.99 – 250ml glass of Coldwater Creek wine – including Chardonnay, pinot grigio, rosé and merlot
£1.99 – 25ml of Johnnie Walker Black Label or Tanqueray gin – mixer included
£4.99 – 11″ Margherita pizza plus free soft drink (or £6.52 with alcoholic drink)
£4.99 – crunchy chicken burger served with chips or side salad plus free soft drink (or £6.52 with alcoholic drink)
£4.99 – jacket potato with one filling (choose from tuna mayo, coleslaw, chilli bean non-carne, cheese, baked beans and roasted vegetables) plus free soft drink (or £6.52 with alcoholic drink)
Purchase a pint or a 330ml bottle of Birrificio Angelo Poretti and get a receipt
Take a photo of your receipt
Go to the website and fill in the form — you’ll need to provide your name, email address and mobile number, as well as the value of the purchase. It’ll also ask for bank details or PayPal details to receive the cashback.
The promotion ends at 23:59 on 31st August 2025 and you can claim back a maximum of £6.50
Until 28 September 2025, you can get buy one, get one free pints at pubs across the country. To get it, you need to go to the promotional site and enter your details, you’ll then be able to choose a location. You will get an email with a voucher to use at the venue.
You need to redeem the voucher while at the venue, as you only get 30 minutes to use it. You’ll have to pay for one pint of Birra Moretti, then you’ll get another for free. There needs to be two of you to redeem it.
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Free drinks via apps
These apps often have free drinks to claim.
Free drinks every day with Dusk
The app Dusk gives you a free drink each day at selected bars.
Just download the app and look for the bars participating. If you use the referral code AWEBB5 you’ll earn 500 reward points. I’m not sure they actually do anything right now, but there’s no harm in adding it to your account.
Smartphone app El Tab offers Londoners up to four free drinks every night of the week in different bars across the city. It usually costs £9.99 a week or £24.99 a month.
Mixr is an app that lets you search for, view menus at and book at any pubs and bars owned by Stonegate Pubs. You can also pay in the app and earn points.
Download the Green King Sport app to get 10% off orders during live sport. There’s also the chance to win more free drinks and prizes such as tickets to gigs, festivals and sporting events.
If you have a Nectar card, are you making the most of your points?
If you shop at Sainsbury’s, you’ve probably got a Nectar card, and may even collect the points every time you visit without thinking much about it. And if you’ve been collecting points, you’ll need to spend them to get the most out of your rewards. But do you know how to use your Nectar points?
Like the Clubcard scheme and other loyalty schemes, you can rack up points at other retailers, including Argos. When it comes to redeeming points, you can spend them when shopping, exchange them at face value, or even swap them for Avios points.
Here’s how Nectar works and how you can sign up. Plus, I’ve shared tips for both collecting and spending Nectar points.
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More ways to make the most out of the Nectar loyalty scheme
Nectar is the loyalty scheme for Sainsbury’s and Argos, where you can earn points on your purchases. It’s actually owned by Sainsbury’s, but points can be collected and redeemed with other brands. As a member of Nectar, you can also access discounts on specific items when shopping, similar to Tesco’s Clubcard Prices.
How Nectar points work
One Nectar point is worth 0.5p, meaning if you earn 1 point from a purchase it’s the equivalent of 0.5% cashback. 100 points are therefore 50p, 200 points equal £1 and so on.
The value of loyalty card points offered by different schemes varies quite a bit, with Nectar points equating to half the value of Tesco Clubcard points. However, when redeeming Nectar points at other participating retailers, you could get more value out of them, so it’s worth keeping an eye out for the latest deals.
Nectar points value conversion
1 Nectar point = 0.5p (or half a penny)
2 Nectar points = 1p
100 Nectar points = 50p
200 Nectar points = £1
500 Nectar points = £2.50
1,000 Nectar points = £5
2,500 Nectar points = £12.50
5,000 Nectar points = £25
How to collect Nectar points
You earn points when you shop at participating retailers or fill up your car at participating petrol stations and scan your Nectar card. Bonus points can be earned at specific retailers or through special deals and promotions — we tend to share these promotions on our loyalty scheme deals page when there are good ones available.
To collect Nectar points when shopping in stores, you’ll need to either have a physical plastic Nectar card or a digital one stored on the Nectar app. When shopping online, you’ll need to either connect your Nectar card to the relevant account or shop via the Nectar website.
Your options for using Nectar points are more limited than with other reward schemes. You can use them in-store and online, such as at Sainsbury’s, to donate to charity, or spend them with a handful of partners.
To redeem your points, you’ll need to scan your card or the app in-store, while you can select to use them online. With some partners, you’ll need to convert your points into vouchers first. You can also choose to swap them for Avios points.
How to sign up to the Nectar scheme
The Nectar loyalty scheme is free to join. You can get a Nectar card online, via the app, or by picking up a form in a Sainsbury’s store.
Once you’ve got set up, a physical card will be posted out, though you’ll have a digital card to use via the app straight away.
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8 places to collect Nectar points
1. Sainsbury’s
Earn points as you spend
You’ll get one point for every £1 spent at Sainsbury’s. 500 points are worth £2.50, so this works out at 0.5% cashback.
Scan your Nectar card at the till to get your points, and keep an eye on the app or digital account for special offers which boost the number of points you’ll get.
You might also get vouchers for extra points at the till, sometimes doubling or tripling points on your next transaction; it’s just a matter of remembering to bring them to your next shop. If you wanted to, you could even buy a single, cheap item at the start of your shop to use any vouchers printed out on the rest of your shopping.
Get bonus points via weekly offers
As well as generic offers, you’ll also get ones tailored to your shopping habits. These change every Friday.
You have to save the offers to your account, though there’s a handy “save all offers” button. And of course you still have to scan your card at the till.
Nectar Prices
Nectar Prices are discounts for Nectar holders, similar to Tesco Clubcard prices. To get these, you just shop as normal, looking out for the Nectar price on the shelves. At checkout, you need to make sure you remember to scan your Nectar card, and the discount will be applied.
Your Nectar Prices
This sounds like it could be the same as Nectar Prices above, but Your Nectar Prices are specific to you. These come through weekly and will be based on your shopping history, potentially saving you money on things you’ll actually buy. There are only a few offers each week, but it’s worth having a peek when you get the notification.
2. Argos
You can also earn points at Argos. It’s one point per £1 spent, although it’s occasionally doubled. You’ll need to link your Nectar and Argos accounts before you can earn points.
3. ESSO
Esso replaced BP on Nectar back in 2019. You can earn 1 point per litre of fuel, or swipe in-store to get two points per £1 spent on other things, so roughly 1% back in points. When you get to 300 points it gets you 5p off every litre of fuel.
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4. Avios
You can convert 400 Avios points to 400 Nectar points, which is handy if you’ve got a surplus of Avios points that you won’t use. You can also swap them back the other way (you’ll only get 250 points though). This is also a way to boost the value of Amex Reward points. Find out everything you need to know in our step-by-step guide to convert Avios to Nectar points and vice versa.
5. Via Nectar credit cards
If you shop at stores that are part of the Nectar scheme often, it might be worth getting a Nectar credit card.
The American Express Nectar credit card is your best bet and will earn you up to two points for every £1 spent, worth 1%. There’s also a bonus worth £100 when you first sign up and spend £2,000.
You can convert American Express Rewards points to Nectar points at a value of one to one, meaning one Amex point would be worth 0.5p. This could be a good use for large Amex welcome bonuses, which can be worth between £100 and £500, depending on the card.
7. Via utilities & insurance
You can earn bonus points for signing up for other Sainsbury’s Bank products such as home insurance, as well as Sainsbury’s Energy. Though they could be worth it, these offers shouldn’t be a reason to choose Sainsbury’s over other providers as they could work out more expensive than options you find via a full comparison.
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8. At other retailers
You’ll see many other brands listed on the Nectar website, such as Expedia and Very. To earn points via these retailers you have to click through via the Nectar portal. Most of the time you’ll get two points per £1 spend, so the equivalent of 1% cashback, but they can be more or less. There are often points boosting offers to look out for.
Participating Nectar retailers include:
ASOS
Just Eat
Expedia
Groupon
Europcar
Very
Dominos
Wayfair
These extra places to earn points might sound appealing, but I would avoid using them since you can usually beat these rates by clicking through a cashback site instead for a better bonus.
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Where to spend Nectar points
Sainsbury’s shops
To use your points in Sainsbury’s stores you must have used your Nectar card in that specific store in the last year. You can also use them online on the Sainsbury’s website.
They can also be used on petrol but you have to pay in the kiosk, not at the pump.
Argos
You can use multiples of 500 points at Argos, each worth £2.50. To spend them in an Argos store, simply scan your card. To spend online, you must have connected your card to your Argos account.
Converting to Avios points
We think that most people are better off using cashback credit cards and air mile reward credit cards. You’ve got the flexibility to use your earnings how you want, and not be restricted to certain flights.
However, if you are an Avios fan, then you can boost your points by converting 400 Nectar points to 250 Avios.
Donate to charity
Nectar Donate allows you to give your points to charities using Crowdfunder. The points are worth the same as usual, so 1,000 points will be a £5 donation. There’s a minimum of 200 points, and it must be in multiples of 200.
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Other ways to redeem Nectar points
Nectar offers just a fraction of the partners you get with Tesco Clubcard, and fewer opportunities to boost the value. Some retailers let you swipe your card or link your card to use points. Others require you to exchange the points for a voucher or code via the Nectar website.
Spending your points isn’t particularly flexible or as straightforward as you might think. To recap, 500 points are usually worth £2.50. You also have to spend Nectar points in chunks (usually 500 points or 1,000 points) rather than choose how many you’d like to use.
For example, you can exchange 2,000 points for £10 off purchases at Eurostar. Other poor options include swapping for movie rentals at Sky Store since you can get far cheaper rentals elsewhere. There are much cheaper ways to rent movies out there, so don’t rely on Nectar to save you lots of cash.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
Occasionally, there are offers that increase your points at Sainsbury’s and other Nectar partners, both to earn extra points and sometimes (though more rarely) to use them.
You can usually find any points offers in the Nectar app and website, so it pays to check every now and again, before your weekly shop, or when you’re looking to save a little extra.
When we spot any really good Nectar points deals, we’ll share them on our loyalty scheme offers page.
How to check your Nectar points balance
Not sure how many Nectar points you have? The Nectar app and website both contain your current points total, as well as a record of where and when you earned your points.
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How to lock your Nectar points
One downside of Nectar in the past was that anyone who found or stole your card could use your points. This was particularly bad news for those who had earned tens of thousands of points using credit card welcome offers. Earlier this year, Nectar introduced a feature that lets you lock your points to ensure they can’t be used without your authorisation.
To lock your Nectar points, you’ll need the latest version of the app.
Log in and you’ll see your points total near the top of the app screen, and below that a line telling you whether the points are locked or unlocked
Tap this to bring up a locked/unlocked switch
Toggle between these for when you want to use your points
It should unlock immediately, but it’s worth doing it a little before you want to spend the points to be safe, rather than wait until you’re at the checkout
This feature will only work for the main account holder, not additional cardholders.
“Credit score” is a phrase you might occasionally hear or think about. Maybe even worry about. But do you understand it?
I’ve known about credit scores since I was a teen, but it wasn’t until much, much later I realised how odd that made me. Far more people only really encounter them when they are unexpectedly refused something – and it could be anything from a mortgage to a sofa on credit. Then they try to get smart, fast.
Fortunately, credit scores follow some simple rules, and it’s free to check yours – and even correct any errors that may have crept in – which means you should never face an unexpected rejection.
Here’s my Be Clever Basics guide.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Credit score vs credit report
Before we talk about your credit score, we need to talk about how it is different to your credit report. These terms are often used interchangeably, but they aren’t the same thing.
What is a credit score?
A credit score, or credit rating as it is sometimes called, is based on this information in your credit report. It’s basically a number that reflects how good or bad your credit report is. You actually have three of these, one for each of the credit reference agencies in the UK, and all will be slightly different.
What is a credit report?
A credit report, or credit file, is basically a record of your financial history. Any account that’s required a credit check will be on there as well as any money you owe. It also shows how long you’ve had the account and your payment history, including missed or late payments.
Other elements in your report include details of any bankruptcy, county court judgments and other debt solutions.
You’ll also see your address history and records of any financial connections you have, such as joint accounts and joint mortgages.
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Why lenders check your credit report
Your credit report is one of the leading factors that influence lenders when they’re deciding whether to offer you a product or loan.
Using the details on the report they’ll work out whether you’re likely to be a good or bad customer for them. That’s not just about how likely it is you’ll be able to afford the borrowing, but also how likely it is they’ll make money from you.
The data in the file can also affect how much you’ll be lent, the length of a deal (e.g. 0% balance transfer cards) or the interest rate offered.
Your credit report is also frequently used to verify your identity, so can be accessed by employers and landlords as well as lenders.
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Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
Your report isn’t just searched when you apply for “serious” financial products like mortgages, loans and credit cards. Everyday consumer contracts are subject to searches too.
That’s because you’re essentially asking for credit when you open a new bank account, get a contract mobile phone and switch your utilities.
Even paying your home or car insurance by Direct Debit requires a credit check (it’s usually cheaper to pay these in a lump sum if you can).
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Hard checks vs soft checks
Any application for credit will be subject to something called a “hard” search. This will then appear on your report for other lenders to see, whether you’re successful or not. They’ll stay there for 12 months.
However, if your report is looked at by comparison sites or to assess eligibility, this is actually a “soft” check, and though you can see it on your file, lenders can’t.
Well, yes and no. Though the score reflects your report, lenders will add in extra information they have on you to decide whether to lend to you. You are also allowed to put notes on your own credit file to explain things, and lenders have to take these into account when making a decision.
You’ll have put information on the application form and if you’re an existing customer they might have their own file on you. Plus, an investigation by Money Saving Expert a few years ago found that lenders are using Open Banking data too.
So this means the score won’t reflect everything the lender is taking to account. That can lead to rejection even if you have an excellent score or acceptance with an average score.
But they aren’t pointless. Credit scores are still great indicators of how healthy your credit report is.
The higher your credit score, the more likely it is you’ll get accepted for credit products, or get a better deal such as lower interest payments.
And a low score will indicate a bad credit report, which could mean you get rejected or get offered less money than you need.
So, checking your score will help you decide whether you need to do anything to improve your report. And when those actions make a difference you’ll see that reflected in an increased score, telling you that you’re on the right path.
Who decides your credit score?
The three credit reference agencies are Experian, Equifax and TransUnion.
Lenders choose which one to use when making a decision whether to offer you a product.
They all hold slightly different data on you in their credit reports, and then work your score out slightly differently. They even have completely different scales. So you can’t really compare one with another.
It’s worth noting that when you apply for credit, you generally won’t know which of the three credit reference companies will be used. This basically means all three credit reports are as important as each other. The good news is they all keep track of the same things, more or less, so a good score with one will generally translate across the others.
However, it’s worth checking all three – especially in the face of an unexpected refusal – as there could be a problem with one. For example, how your address is formatted can change between reports – and this could lead to problems if it doesn’t match the payment address you’ve entered when applying for a product.
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Checking your credit score
You can check all three scores and reports for free via these websites:
Experian via Experian’s free score checker, though the report is only available via their app
You have a right to see your report under the UK’s data laws, so can ask for a statutory report from all of them for free if you don’t want to sign up to any ongoing service.
Your credit score is most important when you’re going to apply for a product where your report will be checked. If you know this is coming up, then you should check for any errors or potential problems before applying.
It’s also worth looking at least once a year, if not more often, just to make sure there’s nothing fraudulent going on.
If you shop at Tesco, you probably already have a Tesco Clubcard. But how do you spend the points to get the best value?
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What are Tesco Clubcard points worth?
You’ll get one Clubcard point for every £1 you spend at Tesco.
If you spend them in-store on your groceries, 100 Clubcard points are worth £1, so that means they have a base value of 1p each. And if you’ve got 1,000 points then that’s worth £10. And so on.
1 Clubcard point = 1p
2 Clubcard points = 2p
100 Clubcard points = £1
200 Clubcard points = £2
500 Clubcard points = £5
1,000 Clubcard points = £10
2,500 Clubcard points = £25
5,000 Clubcard points = £50
This means earning Clubcard points is the equivalent of getting 1% back on your shopping at Tesco.
But they can worth more through Reward Partners (previously calledClubcard Boost). Here you swap your Clubcard points for vouchers to spend elsewhere.
There used to be variable boosts. Some doubled your points, some tripled and some even quadrupled. However, this changed in June 2023 so points are now doubled when swapped with reward partners.
How does Clubcard compare to other loyalty schemes?
You can’t spend Clubcard points until they have been converted into Clubcard vouchers. And to do this you need a minimum of 150 Clubcard points (the equivalent of £1.50). Points will only be swapped in multiples of 50.
You used to get sent these in the post with your Clubcard statement, which is sent every three months in February, May, August and November.
However this moved online for most customers in 2022. If you’ve used Tesco online you’ll get your statement and vouchers via email, unless you actively tell Tesco you still want them in the post.
A better way to convert points to vouchers is via the Faster Vouchers process as you don’t have to wait for the statement. You’ll only get a digital voucher via this method. Again you’ll need at least 150 points to convert them.
Whether paper or digital vouchers you can spend them in any Tesco store or on the Tesco online as part or full payment towards your shopping.
If you swap them with a Reward Partner you need to do this via the Clubcard website. These boosts will often have minimum levels (e.g. 50 points), and you can only swap increments of that amount (e.g. if you have 120 points you can only use 100 points).
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How long do Clubcard vouchers last
When you’re issued a Tesco Clubcard voucher it’s valid for 2 years. Faster vouchers last 21 months from when they are exchanged.
You can check if you’ve any vouchers and their expiration dates in your Clubcard account.
Clubcard deals and promotions
There are a few ways to use your Clubcard to save more money at Tesco.
Tesco Clubcard coupons
Some customers have access to personalised coupons via the Tesco app. These coupons are tailored to your shopping, so hopefully that means you’ll see discounts for products you buy. They won’t all be money off, some could be extra Clubcard points. If you do get the vouchers, you’ll find them via the Clubcard tab, in a section called coupons.
Tesco Clubcard Plus
This premium service costs £7.99 a month, and benefits include 10% off two shops every month. It looks like a good scheme for regular Tesco shoppers. Here’s a full review of Clubcard Plus, including details on how to get it.
Tesco Clubcard Prices
Tesco lets you use your Clubcard to access lower prices for selected groceries in-store and online. You don’t need any points on your Clubcard – you just need to have one.
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The best ways to spend Tesco Clubcard vouchers
There are actually hundreds of options, so we’ve scanned through them to find the best uses of your Clubcard points.
Charities
New to Clubcard is the choice to donate your points to food poverty charities Fareshare and The Trussell Trust. You can also give to the British Heart Foundation, Cancer Research and Diabetes UK.
Sadly Tesco doesn’t boost these donations as they do with other offers, which I think is a shame. Still if you have at least 50p in vouchers you can swap them.
Disney +
You can swap £15 worth of points for a three month standard Disney+ subscription or £9 worth of points for a three month standard with ads subscription. Both new and existing Disney+ users can take advantage.
Fancy paying less when going to the zoo? A theme park? Museum? All these are available at a discount.
A lot of the “days out” used to be quadruple points and have been reduced to double – but they still represent decent value. It’s worth checking to see there isn’t a better offer out there, though one saving which is hard to beat is using your points for double credit towards an English Heritage or RHS membership.
You can use your points to get cut-price cinema tickets, again at double value. So 50p in vouchers will get you £1 to spend. It’s only for Cineworld or Picturehouse.
You can also use your points towards the Cineworld Unlimited pass.
If you regularly travel by train then a railcard can save you money every time you travel, and one of the cheapest ways to get one is by using your Clubcard points.
You can trade £2.50 in vouchers to get £5 credit towards your railcard. It works for most types of railcard.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
If you already save airline points, this is a great way to get more. You can convert your Clubcard points (with a minimum value of £1.50) to Virgin points at twice their value, that is 1 Clubcard point is worth 2 Virgin points.
There are often bonus offers when you sign up to auto-exchange your Clubcard points to Virgin points for the first time, so it’s a good idea to wait for one of those before setting up the auto-exchange.
Magazine subscriptions
You can convert a minimum of 50p in Clubcard vouchers to get a £1 voucher to go towards a subscription.
So if you wanted to sign up to a year of Empire completely (at a cost of £69.99) via Clubcard points you would need £34 in points, and top it up by another £1.99 from your bank account.
Of course you can get other subscriber deals elsewhere which give good discounts. A quick search for Empire shows you can pay £55, so the Clubcard deal really saves you just £21.
It’s a similar story for other magazines available via Clubcard, including Good Housekeeping, Elle, Garden Answers, Golf and Esquire.
This isn’t the best way to save on magazines though – you can get them for free! Read about our hack to get free digital magazines
Tesco Mobile bills
You can use your points to reduce the cost of your mobile bill. It’s only 1:1 rather than double, so you may as well use your points in-store.
At Tesco
There was a time, not too long ago, that you’d be a fool not to swap Clubcard points with a reward partner. But in the last few years the best offers have disappeared.
There are still lots of options, but whether they’re worth it comes down to two factors. One: Do you want or need what you’re swapping for? Two: Can you get that partner offer discounted elsewhere?
If it’s no for the first, or yes for the second, then you’re most probably better off using the points at Tesco – at least you’ll actually need food and drink!
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Clubcard deals to avoid
Though you can save money by boosting your points in these areas, I think you can get similar savings elsewhere – meaning you should boost your points on the more valuable discounts listed above.
Restaurants
Even when these were 4x value, we advised that you could spend your points better elsewhere than at the chain restaurants included in Clubcard Boost. And now they are double instead, the deal is worse.
That’s because you can get decent discounts for the likes of Pizza Express and Bella Italia elsewhere. A simple google often brings up voucher codes for 40% off or two for one. Plus you can save at more places more often with a Tastecard trial.
So let’s say you’ve gone to Pizza Express and the final bill came to £30, it would have cost you £15 via Clubcard vouchers, or £15 via Tastecard or another voucher.
You may be able to double up these discounts though there’s no guarantee.
List of Tesco Clubcard restaurants:
Ask Italian
Bella Italia
Brew Dog Bars
Cafe Rouge
Chef & Brewer
Hungry Horse pubs
Pizza Express
Prezzo
Zizzi
Hotels
It’s similar with converting your Clubcard vouchers to spend on hotels. Though you can get double value on points to spend at Hotels.com and one or two other brands, you’re locked into booking direct with those websites, which might not offer the best rates available. We think you’re better off searching for the lowest prices elsewhere, and then using your points at one of the options above.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Coach deals
National Express flash sale: 50% off
National Express is currently running a flash sale, offering 50% off travel when you book 15 or more days in advance and 25% off when you book 3 to 14 days in advance. You need to use the code FLASHSALE to get the offer.
You have to book by 23 January to get the offer and travel between 23 January and 22 May 2026.
Santander Cycles is offering 50% off a month pass between 16 and 23 September 2025. This means you’ll pay £11.50 rather than £23 for unlimited 60 minute rides.
To get it, just use the promo code CFD25
You can rent a bike with the Santander Cycles app or just use the machine next to a docking station.
Rides lasting 60 minutes are free, but you’ll have to pay if you go over — on a pedal bike, this is an additional £1.65 for another hour, while an e-bike is £3 for another hour. However you can avoid this by docking your bike and renting it again within the hour.
Bus fares have been capped at £3 one way in England from January 2025. Not all bus companies are taking part – you can see a detailed list of the companies and routes here.
If you travel a lot, then this new membership from Wizz might appeal. You’ll pay £599 a year for unlimited flights.
In sounds good, but there are a number of catches:
Booking only starts in September 2024
There’s an extra 9.99 Euro fee on each flight
You can only book seats on flights that depart in the next three days, making return trips a little risky
It doesn’t include handheld or checked bags (so they’re extra)
Only one personal item is included (max. size 40 x 30 x 20 cm)
If you miss three flights your membership will be cancelled without a refund
It’ll automatically renew each year unless you cancel
Overall it sounds like more hassle than it’s worth, especially when you consider there are cheap tickets available in advance from Wizz and other airlines.
However, if you’re retired or have the flexibility to travel regularly and at the drop of a hat, it could be worth a look.
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Petrol and motoring deals
Halfords: free 5-point winter car check and bike check
Halfords is offering motorists a 5-point winter car check, which includes:
Headlight and brake light check
Wiper blade condition check
Battery health check
Windscreen chip check
MOT due date reminder (UK only)
If you’ve got a bike, you can also get a free bike safety check. Halfords says there’s no obligation to get an estimate for repairs or servicing, if any issues do come up.
If you join the Halfords Motoring Club for free, you can get a free £5 voucher to spend online or in-store at Halfords and a free 10-point car check, worth £15.
There’s a Premium tier for £49 per year that gets you your MOT (worth £44.99), 2 10-point car checks, a free fitting of wiper blades or headlights and 5% off at the autocentres and in-store.
This is generally a pretty good deal, but definitely worthwhile if you’re having enough work on your car to make the most of the 5% off, don’t know how to change your headlights or windscreen wipers and would usually do your MOT at Halfords.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
Uber Member Days: 20% back on car hire, flights and trains (and more deals) (ended)
Subscribers to Uber’s ‘Uber One’ membership can get additional benefits from 16 May to 23 May as part of its new promotion ‘Uber Member Days’.
Plus, you can get a month trial for free until 23 May, even if you’ve tried it before. Although after this, it’ll renew at £4.99 per month or £49.99 per year. We have a full guide on the membership, but it’s worth noting that this gets you Disney+ if you get the annual membership, so it’s worthwhile if you pay for Disney+ anyway.
Offers for Uber Member Days include:
20% back in Uber credits for car hire (max £250 back)
NatWest is reducing the rate on this savings. Is it still worth it?
This monthly saver from NatWest (and also RBS) has had one of the highest interest rates since it launched in 2020 – but with a catch. The Digital Regular Saver is designed for those starting off their savings journey, and as such there’s quite a small monthly limit you can put away. Just £150.
And as rates begin to drop elsewhere, NatWest have followed suit and cut the rate here too Here’s what you need to know and whether it’s worth it.
How much can you save in the NatWest or RBS Digital Regular Saver?
Since late 2022, the maximum you can earn interest on will be £5,000. This is a big jump from the previous maximum of £1,000.
But it’s not as simple as adding all that cash to the account in one go. You can save between £1 and £150 a month into the account (at launch it was just £50).
If you keep the interest in the account, it’ll take two years and seven months of saving the full £150 to reach a balance of £5,000 (including the accumulated interest payments).
For those already with £1,000 saved in the account, it’ll be just over two years until you reach £5,000 (again including interest paid each month).
Unlike other regular savers accounts it won’t close after 12 months so you’ll continue to earn interest on your savings beyond this. You can also keep adding money once you get to the £5,000 cap, but I wouldn’t bother.
Another difference to normal regular savers is that you can take the money out whenever you want, not just when it matures. But taking £150 out doesn’t mean you can put extra back in. That £150 monthly deposit limit stays at £150 regardless.
The only way to add more than the £150 each month, and get to that £5,000 sooner, is to use a round-up function on your debit card.
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How much money can you earn?
In January 2026, the rate fell to 5.25%, following a cut in May 2025 to 5.5% AER. This was a fall from a rate of 6.17% that was set in February 2023.
If you save the full £150 a month for the first year that’ll net you £51 in interest. Keep going until you reach £5,000 (deposits and interest) and the total interest will have been around £335.
However any new deposits will earn far less. Money saved beyond £5,000 will only earn 1%. This can easily be beaten elsewhere. Confusingly if you do have more than £5,000 in the account it’ll show the combined interest rate on the app as your earning rate. Don’t worry about this – you’re still getting the full whack on the initial balance up to £5,000.
It’s worth remembering the interest rate is variable. So though it’s changing to 5.25%, that could change again at any time.
You can only open one of these regular savers if you have a NatWest or RBS current account. There are free ones, or you can look at the NatWest or RBS Rewards account.
How many accounts can you have?
There’s only one per person, which means you can’t get another, even as a joint account.
However the same account is offered by both NatWest and RBS, and you can open up an extra current account and then digital regular saver at the other bank to get two.
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Account summary
NatWest / RBS Digital Regular Saver (5.5%)
Account name
Digital Regular Saver
Interest rate
5.25% AER
Max monthly deposit
£150
Min monthly deposit
£1
Max amount earn interest on
£5,000
Account closes
No
Withdrawals
Easy access with no penalty
Requirements
Must have a NatWest or RBS current account
Must have a standing order of at least £1 every month from your Natwest current account
If you have an account you need to go to your online banking or app to open the saver. I did this via my app and it took just three minutes. There’s an “Apply” button on the bottom right, and then tap the savings option. It’s all self-explanatory from there.
You need to set up a standing order of between £1 and £150 from your NatWest account, though you can cancel this once you reach £5,000.
Should you open a NatWest Digital Regular Saver?
Andy’s Analysis
Even with the rate cut, it’s still a decent paying account. And the likelihood is that other rates will fall too in the coming months.
However, I’d focus first on the fixed rate regular savers from First Direct and Club Lloyds as they’ll guarantee you a higher rate (for now – it very possible they’ll drop soon too). The problem is these all require a current account with those banks, and opening these will entail a credit check. That’s not an issue for most, but it’s something to be aware off.
If you don’t fancy that, and already have a NatWest or RBS current account then absolutely, I’d go for this Digital Regular saver instead (or as well).
Though there are similar paying regular savers, the big difference here is you will continue to earn interest on this one after 12 months. So in time it could be a better earner. Ideally you’d do both this and a strong competitor.
Of course, let’s not forget if you have a larger lump sum it’s better to prioritise opening up one of the best paying savings accounts.
This streaming service from Disney has increased prices twice in a year and cracked down on password sharing – but there are still plenty of ways to save.
We’ll share the best ways to pay less when we spot them, including special offers, free trials and discount codes.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Disney+ price
Sadly there’s no free trial for Disney Plus. Though a seven-day trial was initially available, you’ll now need to pay to access the service.
You can pay monthly (and cancel at any time) for three of the options ranging from £599 with adverts, £9.99 for the “standard” option and £14.99 for “Premium”. The latter two tiers can also be paid for annually for a small discount.
You now have to pay between £4.99 and £5.99 a month to share your account with one other household. We’ve explained all in our guide to how Disney+’s Extra Member will work.
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Disney plus offers
£6.99 a month for 3 months
You can currently get a Standard subscription for £6.99 per month for three months, down from the usual £9.99 per month, saving you £3 per month.
You can also get Premium for £9.99 per month (usually £14.99 per month) or Standard with Ads for £3.99 per month (usually £5.99 per month).
The offer runs until 28 January 2026. If you don’t cancel within the three months, it’ll renew at full price.
If you sign up to an annual Uber One pass at £49.99, you’ll get a free year of Disney+ Standard, worth £99.90 at full price (already a £49 saving on the annual cost).
If you’ve not signed up to Uber One before, you might be offered the first four weeks free, but you’ll have the option to choose annual payment after the trial.
However if you’ve previously taken the Disney+ offer from Uber you won’t be able to get it again until 14 months have passed.
You’ll also get discounts on Uber rides and Eats. Here’s more in our Uber One review.
Users of Quidco and TopCashback can get cashback when they take out a year-long subscription to Disney +. You’ll still pay the full £99.90 for the Standard package, but you’ll get £10 paid back into your account with Quidco and £5.95 with TopCashback.
Even better, if you’re new to TopCashback or Quidco you can also get a £20 sign up bonus, too.
Andy’s analysis – is it worth paying for a year upfront?
If you know you want Disney+ all year round (hello anyone with kids!), the annual pass discount and potential cashback bring the price down.
But it’s worth thinking just how often you’ll actually watch it. Do you only want it for the big Marvel and Star Wars TV shows? If so, maybe you only need to get it when these are released.
And if you can cut Disney+ for at least two months a year (more if you get the cashback), then it’s exactly the same cost to go for the monthly price. So every month on top that you don’t subscribe you are saving cash.
Of course you do need to remember to cancel and not let it keep rolling over month to month.
Clubcard: 50% off
Swap £15 in Clubcard vouchers for three months of Disney+ Standard, which would cost £30 at full price.
There’s a cheaper option for Disney+ with Ads, which requires £9 in Clubcard points for three months, worth £18.
If you’re on a pay-monthly refresh tariff or a SIM-only 12 or 18 month contract, then you can add any Disney+ tier to your mobile plan (so you’ll pay alongside your bill) at full price.
But you’ll get £2 credited to your bill every month, effectively meaning you’ll pay £7.99 a month for Standard and £12.99 for Premium.
That’s a decent saving each month; however, there is a minimum term of six months.
And if you keep it for a full year, then the savings are smaller as you need to compare them to the discounted annual plans. Versus the annual Premium plan cost of £149.90, you’ll actually pay more this way. For Standard, it’s a saving of just £4.02 a year versus the annual cost of £99.90.
You can get this offer until 31 December 2025. It’s not available for existing Disney+ subscribers but isn’t specifically for new ones, so you could cancel and then sign up through O2 to get the discount.
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Up to six months free with O2
If you’re new to O2 or upgrading then you can claim either one, three or six months of Disney+ for free. This can be a great way to save, but you need to make sure you can’t get a cheaper SIM-only deal elsewhere.
This “Extra” is only available on certain deals, and most of the time O2 SIM deals are more expensive than elsewhere.
However, sometimes you can find a bargain via a comparison site, so it’s worth seeing if it could be cheaper.
Disney+ with Ads: four months for £1.99 a month (ended)
For a limited time, new and returning Disney+ users can get a four-month subscription for £1.99 a month, so you’ll save a total of £12 versus full price.
After the four, your subscription will auto-renew to the Disney+ with Ads price of £4.99. So be sure to set a reminder to cancel your subscription if you don’t plan on paying.
You’ll need to sign up by 30 June 2025 to get this offer.
Activate cashback offer on participating bank cards, such as American Express or Monzo, for 15% off the full price
This could help you make some decent savings. For example, if you sign up as a new TopCashback member and have the offer on a payment card it would bring the price of the annual Standard membership down from £99.90 to under £46
Details on all these separate offers are below too.
Alternatively, if you don’t want a year of Uber One or Disney, you can get the advert supported tier with the pay monthly Uber One. This costs £4.99 a month, so you’re effectively paying the same as going direct to Disney, but you’ll get the extra Uber features.
It’ll renew with Disney at £4.99 a month once the six months is over, on top of the £4.99 fee to Uber One.
Switch bonus requirementsSwitch using the Current Account Switch Service and close your old account within 60 days of starting the switch
Deposit requirementsDeposit £1,500 in the first 60 days from opening the account
Direct debits transferred overSet 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
RestrictionsCan't have received a switching bonus from Santander already, offer limited to once per person
Eligible accountsOpen a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
£25 Amazon Gift Card requirementsTo qualify for the gift card, you need to complete a full switch using CASS, and make five debit card transactions within 30 days of opening the account
It’s worth checking apps for your debit and credit cards to see if there’s a discount on Disney+.
15% off with American Express
If you have an Amex card then check the offers tab in your account to see if you can add a deal to save 15% on Disney+.
You’ll need to activate the offer in the app first. The offer comes and goes with different expiration dates, and you’ll get the discount on all transactions that are on your card in that time.
Digital bank Monzo regularly offers customers 15% back when you spend at least £99.90 – so effectively it’s one of the two annual plans.
You’ll need to activate the offer in the app and pay with your Monzo card. It comes and goes, so if it’s not there, check when offers refresh each week.
Plus Disney+ newbies can stack this with the Quidco or TopCashback offer mentioned above and it brings the annual Standard price down.
If you have access to Santander’s Retailer Offers via a current account or credit card, you might see an offer earn 15% cashback on Disney+.
It says it’s on new purchases, though I reckon you’d get the money even as an existing customer. It’s certainly worth a try if you are already paying. Premier Access payments are excluded.
The offer comes and goes and the most you can earn is £7.99 (so that’s really only 10% off the annual price).
