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April 1, 2025 | Articles Review

Club Lloyds review

Written by Andy Webb

With free cinema tickets and up to 6.25% interest on savings, is it worth opening this current account with Lloyds?

Regular readers will know I’ve got a lot of current accounts as I like to take advantage of the offers and benefits they each provide. But you don’t need to have as many as me – you’ll be fine with three or four.

So how do you decide which ones to go for? The Club Lloyds account is definitely a contender right now thanks to a choice of free cinema tickets, Disney+ or magazines. Plus, there are regular switching offers worth around £175.

Here’s what you need to know about the account.

What is Club Lloyds?

Club Lloyds is a current account from Lloyds Bank with some extra benefits over the standard classic account. It comes with a fee – though you can easily avoid paying it.

If you are going to get an account with Lloyds, this is the one you’ll get the best value from.

How much does Club Lloyds cost?

It’s not a free account. There’s a monthly £3 fee.

However, if you pay in £2,000 every month you will get that £3 refunded. £2,000 a month is roughly what you’d get paid if you earn £30,000 a year (not including pensions or other contributions).

That means it’s affordable for most people, which means there’s really no reason why you should pay the monthly fee.

The fee will increase to £5 a month from June 2025, though the same rules apply which means no one should be paying this higher amount.

Can you get a switching bonus?

Lloyds regularly offers switching bonuses between £100 and £175 for the Club Lloyds and Club Lloyds Platinum accounts. There tend to be three or four a year.

New and existing customers are usually able to claim the offer if they open a new account and switch to it from a different bank. I’ve shared more details on the latest offer over on this page.

Latest Lloyds Bank switching offer

Find out if you can get free cash for switching to Lloyds right now

Club Lloyds Lifestyle benefits

When you open up a Club Lloyds account you can claim a free gift each year. You get to choose from four different ‘Lifestyle Benefits’.

You need to select your choice within 30 days of opening the account and this gift remains fixed for 12 months. You can swap to a different benefit once that period ends, or stick with the same offer.

There’s also the ability to earn up to 3% interest on savings, access a 6.25% monthly saver and get cashback on some purchases.

Free cinema tickets

You can select six tickets to use at either Odeon or Vue. You’ll get all six tickets at the start of the year and they’re valid for 12 months.

These tickets are valid for 2D and 3D showings. At Vue you can also use them at VIP or Xtreme screenings. Odeon will let you use them for Premier or recliner seats and some Luxe screens. You can’t use them at the BFI Imax, Odeon Luxe & Dine or screen 1 at the Odeon Luxe Leicester Square.

Though technically you can’t use them with another offer, I’ve seen them combined with things like Meerkat Movies – doubling your saving.

They can be used any day of the week – so they’re probably best to save for expensive days like weekends, if you want to see a movie in 3D or at pricier upgraded locations.

Free Disney+

Alternatively you can choose a year of Disney+ with Ads, the streaming service with Disney, Marvel, Fox and Star Wars content. This is worth £49.90 a year.

You aren’t able to upgrade to a Standard or Premium tier without adverts or additional features.

Free magazine subscription

There’s a decent choice of 29 print or digital titles available. All are Hearst Magazine or Bauer Media publications (full list below). You won’t get the first issue for up to eight weeks which can making it a challenge to know when to stop buying copies if it’s something you already read.

Club Lloyds magazine choices (print or digital)

Bike
Bird Watching
Car
Classic Cars
Cosmopolitan
Country Living
Country Walking
ELLE Decoration
ELLE
Empire
Esquire
Garden Answers
Good Housekeeping
Harper’s Bazaar
House Beautiful
Improve Your Coarse Fishing
Landscape
Men’s Health
Modern Games
Mojo
Practical Classics
Prima
Red
Runner’s World
Spirit & Destiny
Steam Railway
Today’s Golfer
Trail
Women’s Health

Free Gourmet Society membership

This restaurant discount card will give you 25% off your bills, including drinks at selected restaurants. There are also extra discounts available like cinema tickets, theme parks and movie rentals.

Which freebies are the best value for money?

Here’s a quick summary of how much it would cost you to buy those freebies yourself:

The value of the cinema tickets freebies depends on where you live as tickets can really vary in price. I’d say it’s within a range of £30 to £90. But if you choose to go for 3D and VIP seats then they could easily be worth more than £100.

Disney+ is £7.99 a month, but annual passes are discounted to £79.90. Though this assumes you’ll actually watch Disney+ every month. If you have other streaming services it makes sense to mix and match over the year, paying only for ones you’re actually watching. Say you cut your Disney+ usage to just six months the real saving is £47.94.

The magazine value obviously depends on which title you get and how many issues there are a year (e.g. Esquire has only six issues). But to give you an idea, a year’s subscription to Empire is currently discounted to £45 via Great Magazines.

The Gourmet Society membership would cost you £35 for a year.

Which lifestyle benefit should you choose?

Andy’s Analysis

Ultimately it comes down to which one you’ll actually use – and how much you’d spend on it.

It’s possible to save money on tickets most days, but it is harder to get discounts on weekends or for posh seats. So if you go to the cinema at least six times a year (or three times if you’re a couple), it’s likely this is the best option.

Or if you know you’ll have Disney+ all year around, no matter what, picking that is a locked in saving.

Club Lloyds Interest rates

You can earn interest on money held in the account and in a separate regular saver.

6.25% Monthly Saver

Pick of the bunch is a monthly saver that’s exclusive to Club Lloyds customers. This offers 6.25% and you can pay in between £25 and £400 a month.

The 6.25% is fixed for 12 months when the interest is paid and the savings account closed. It’s really easy to open this via your account. I did it via the app. You can’t access the money More details here.

You can also open a standard Lloyds Monthly Saver if you have more to put away. This has a lower rate of 5.25% and the max you can add it £250 a month.

Up to 3% interest in your account

There’s also some in-account interest. To get it you must pay out two direct debits every month.

For the first £3,999 you hold in your actual current account you’ll get 1.5% interest. Then you’ll get 3% on the next £1,000. So if you always have £5,000 in your account you’ll earn the equivalent of just under 2%.

Is Club Lloyds worth it for the interest?

The two monthly savings accounts are decent options, but the in-account interest can be easily beaten by savings rates elsewhere.

The best savings accounts

Check out our list of the highest paying regular, easy-access, fixed and ethical savings accounts

Club Lloyds spending overseas

You can use your card abroad for spending and cash withdrawals without any charge. That means it’s a decent pick for your holidays, though a handful of alternatives will earn you cashback on top.

Club Lloyds overdraft

With a Club Lloyds account, you get a £100 interest-free overdraft. Beyond this you’ll pay 39.9%. Here’s more on your alternatives.

Cashback on purchases

All Lloyds accounts also give you access to Everyday Offers, worth up to 15% off when using your debit card.

You will be offered retailers based on your spending and will need to activate them before spending. I’ve only really used this for LNER trains, otherwise my experience of these offers with other banks, is that it’s very hit and miss. Plus the deals are often available elsewhere.

But it’s worth checking to see what you are offered. And where these do work is that you can use them in combination with cashback site savings.

Our podcast

Listen to Cash Chats, our award-winning podcast, presented by Editor-in-chief Andy Webb and Deputy Editor Amelia Murray.

Episodes every Tuesday.

Listen now

Andy and Amelia with the text "Cash Chats Personal finance podcast"

Lloyds app

The app is effectively the same one as Halifax, and it’s relatively easy to use. In fact, it’s one of my favourite ones outside Starling, Monzo and Chase. If you want to see how it compares to apps from other banks, check out this guide.

Here are some of the features worth knowing about:

Account details and management

An important feature for me is the ability to copy and share account details from the app – and Lloyds let you do this. You can also amend your address.

Card details and controls

You can see your PIN, long card number, expiry date and security code in the app. You can also copy the long card number to paste into online shops.

There are a handful of controls too. You can set your own contactless limit and freeze the card for a handful of reasons (overseas, online, in person, gambling and contactless).

Cheque payments

Lloyds is one of a handful of apps that lets you pay in cheques via the app. More info on how this works here.

Save the change

This is available to all Lloyds current accounts and it’s pretty cool. You may have seen it already via digital banks such as Monzo.

The idea is every time you spend money with your debit card the bank will top up the amount to the nearest quid from your account, and move it to a separate savings account.

So, say you spend £2.80, an extra 20p will be taken from your account. It’s a nice way to automate your savings and put money away without any effort.

You do need to activate the feature so it won’t happen unless you give permission.

However you won’t be earning any interest on this money so I’d get in the habit of transferring it across to a better paying account on a regular basis – which kind of defeats the purpose of making it something that happens without you doing anything.

Budgeting and tracking

It’s relatively limited but you can see where your spending goes via a spending insights option. You’re able to view upcoming payments, to help you ensure there’s enough money in your account.

As with more and more apps, you’ll get notifications of spending and money coming in via the app.

Subscription Monitoring gives you the ability to cancel subscriptions within the app. You’ll also be told when subscriptions are due to end. It’s a handy way to avoid overpaying for services you don’t use or stopping subscriptions where it’s a nightmare to get through to someone on the phone. But it’s not a reason to get the account.

Summary – should you get it?

Club Lloyds Current Account

Rewards	‘Lifestyle Benefit’ giving you a choice of 6 free cinema tickets, Disney+, a magazine subscription or Gourmet Society membership Limited cashback
Monthly Saver	6.25% AER up to £400 a month (must apply separately)
Interest on savings	1.5% on balances between £1 and £3,000; 3% on balances between £4,000 and £5,000
Overseas	Fee-free spending and cash withdrawals abroad
Fee	£3 a month (£0 if you pay in £2,000 a month)
Requirements	The account requires two active monthly Direct Debits to earn interest
Overdraft	£100 interest-free buffer Then 39.9%

Andy’s Analysis – Is Club Lloyds a good account?

The Club Lloyds account is a decent all-rounder. Not the best reward, best interest rate or best banking app. But all are still better than what you’d get from most accounts. If you already have it, I’d keep hold of it.

Personally, I think you should open one up as a spare account rather than a main account. It’s always useful to have another account as a backup, and you can claim the lifestyle rewards even if this isn’t your main account.

And you can get that freebie year after year for free as long as you transfer in £2,000 a month – which is easy to do.

But should you switch from another bank to get it? Well if there’s a switching bonus then it’s definitely worth it. But if not, then no, I wouldn’t switch. There are better accounts out there to priotitise, including some offering an incentive to switch.

April 1, 2025 | Articles

Cut the cost of your mobile phone contract

Written by Andy Webb

You’re likely paying hundreds of pounds too much on your mobile phone.

For the first 12 years of having a phone, I followed the same pattern. A two year contract with a shiny new handset, which was then renewed with an upgraded phone, and then repeated when each contract ended.

But a decade ago I switched things up. I moved my tariff to a new network, and bought a new handset direct from Apple. Since then I’ve moved between networks on a regular basis and bought and sold new handsets. And saved a ton of cash.

And you can do it too: from going SIM-only through to downsizing your data, there’s no reason you should be paying more than £8 to £10 a month. Here’s how you can save on your mobile phone contract.

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.

Split your handset and your tariff

Go SIM-only

The best prices are often with SIM-only deals. Here you keep your old handset or buy a new one separately and pay just for your minutes, texts and data. Since you aren’t paying for a new phone, the monthly costs are also considerably less.

You can get contracts that run from 30 days to a year, giving you far more flexibility than the 18, 24 and even 36-month deals you’re tied to with handsets (though longer SIM-only deals are still available).

At the time of writing you should be able to get a more than adequate data allowance from the major networks for under £8, and potentially as low as £5 for networks offering 5GB. And that’s before you factor in cashback or other offers.

Don’t get your handset via your network

Once you go SIM-only you’re no longer caught in that bi-annual cycle of getting a new phone when you don’t really need to. Ideally you’ll keep your handset for more three or four years. But with poor batteries, broken screens and ‘depreciated’ operating software (when updates are no longer supported on older phones), we all need to upgrade at some point.

However, you should generally avoid getting one as part of your contract. Most networks will charge you a premium on top of the handset price to get a new phone bundled with your SIM.

It’s very rare for these deals to work out cheaper, particularly for the latest handsets. Instead, you’ll save money buying it outright from Apple, Samsung or the likes of John Lewis.

Of course, the high cost of these handsets can be a barrier, but even then you don’t need to resort to including it in a contract. Apple and Samsung often offer 0% finance for two years, while you could choose a 0% purchase credit card instead. Do check your credit score first though.

Don’t forget to sell your old handset too. There are a number of sites that’ll give you a fixed amount, or you can hope for a better price via sites like eBay. Here’s more on selling old phones.

Choosing your new phone tariff

Whether you stick to a combined phone and SIM deal or split them up, you can still bring down the cost.

Don’t pay for more data than you’ll actually use

One of the biggest ways we waste money on our mobiles is via upselling, and now the networks are all about getting us to pay for more data than we need.

A few years ago when I haggled a new SIM-only contract with Three, the salesperson said “It’s only £3 more for 20GB”. Sounds good. Except I didn’t need 20GB. I didn’t really need the 12GB I had (but that was bizarrely cheaper than the 5GB option).

And I see this upselling all the time. There are always a number of promotions offering unlimited data at what looks like fantastic prices. But you really don’t need unlimited data, so however good the price, you’re still overpaying.

Most of you will be fine with 5GB or 6GB, perhaps less, while heavier users are still likely fine with under 12GB. And that’s assuming you can’t connect to wifi at home or work to use data even less. It’s easy to check your usage history via your account. So far this year I’ve used between 5.3 and 6.57 GB each month – and the latter was when I was on holiday!

I’ve written here about how you can work out exactly how much data you need.

Factor in the extras and freebies

I wouldn’t recommend choosing a new phone network based purely on extras, but if prices are similar it’s worth seeing what you can get.

Ones to look out for include:

Free streaming services (e.g. Disney+, Netflix etc)
Loyalty apps (O2, Three and Vodafone)
European or worldwide roaming

Bear in mind when it comes to O2 Priority or Vodafone’s VeryMe rewards that both are still available if you’re with a different network if you pay £10 – that might work out cheaper.

Saying that, those who also get broadband with Virgin Media should take a look at O2 as you’ll get double data, worldwide roaming and double internet speeds via an offer called Volt. Just make sure you’re getting a decent price on each service.

Don’t just stick to the big companies

You’ll have spotted that most of the cheap deals are with smaller networks. And I bet you’re warry of switching in case you can’t get reception.

Well, there are actually only four different phone networks – O2, EE, Three and Vodafone. All the others “piggyback” on one of these. So, for example, Giffgaff runs on O2 and Lycamobile uses EE.

This means you get exactly the same reception as someone on the host network but at a far lower price. The only real difference will be in customer service, though you’ll also lose network-specific benefits from the big brands, such as O2 Priority Moments.

I’ve written in more detail about these so-called ‘virtual mobile networks‘, including which ones operate on which main network.

It’s also relatively easy to bring your number with you. My moves across different networks all took less than 24 hours though it might take longer if weekends or bank holiday get in the way. Just ask for a PAC number, which you can get just by texting your network.

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Finding the best price

Check if you’re out of contract

Text INFO to 85075 and you’ll receive a message from your network outlining if you in our out of contract. If you are still locked in you’ll also be told how much it’d cost to end the deal early.

Make a note of this date, and you can usually negotiate with your network up to 30 days before the end of a contract. This gives you the chance to see if you can get a better deal with your current network, and if not start the process of moving to a cheaper one.

But if you’re already passed that minimum term, you’re free to hunt for a new deal.

Compare prices

Just as you would with your gas or broadband, it’s important to see what other networks are offering. MoneySupermarket or Uswitch are decent price comparison sites, though they don’t include all the SIM-only networks.

You’ll also often find lower prices for the big networks via these sites, allowing you to access some (though not all) of the freebies available by those companies.

Check for cashback

If you’re switching network or upgrading without a new handset there’s less of a chance for cashback, but it’s worth checking anyway. Try both Topcashback and Quidco for SIM only too. And if you’ve never used cashback sites don’t forget the new member bonuses to get even more back!

You can also earn cashback to knock more off your bill using the app Airtime, but only with the major networks and a handful of others.

Call your network to see if they’ll negotiate

It’s still worth calling your network to see if they can match or beat the total savings you’ll find from the tips above. It helps to do some research first so you know what you can get if you switch.

Then ask to be put through to the ‘terminations’ or ‘disconnection’ team as they’ll usually have more sway. You can even do this over live chat if you prefer.

I did this the most years with Three. I either had my price knocked down or data added for the same price, beating what I’d get elsewhere. None of these deals were available on the Three website, but came from saying I wanted my PAC.

A warning here though. You will be starting a new contract if you do this, which will overwrite pre-existing offers such as free roaming with some networks.

Our podcast

Listen to Cash Chats, our award-winning podcast, presented by Editor-in-chief Andy Webb and Deputy Editor Amelia Murray.

Episodes every Tuesday.

Listen now

April 1, 2025 | Articles Review

American Express Preferred Rewards Gold credit card review

Written by Andy Webb

Is this the best Amex credit card?

There’s a healthy welcome bonus for the Amex Preferred Rewards Gold credit card, making it one of the most attractive cards at first sight.

Here’s what you need to know about the American Express Gold card, how to hack the point redemption to earn more money and how it compares to other cashback cards.

How much will you make from the Amex Gold?

Earning Reward points

You earn American Express Membership Reward points rather than cashback. There are different levels when you spend with the Amex Gold Rewards card. You’ll get:

1 point per £1 spent
2 points per £1 spent with airlines or in foreign currencies
3 points per £1 spent at American Express Travel

Personally I’d ignore the double and triple points unless you happen to get the best deal direct with an airline or Amex Travel. It’s better to get a lower price elsewhere even though you’ll earn half the points back. You’ll also be better off using a fee-free card to spend in foreign currencies.

Spending bonuses

As well as normal points for spending, you’ll also get additional bonus points triggered by cumulative spending. The system staggers this bonus so you get 2,500 bonus points for each £5,000 you spend.

The bonus points will be added to your account as soon as you reach the spending threshold. It’s capped at a spend of £25,000 a year meaning the most you could get in a year are 12,500 additional points. Here’s how that works:

Spend	Bonus	Cumulative Bonus
£5,000	2,500	2,500
£10,000	2,500	5,000
£15,000	2,500	7,500
£20,000	2,500	10,000
£25,000	2,500	12,500

Combined points and bonus returns

Of course, these two ways to earn points stack on top of each other, so the real return has to look at them combined.

If you spend £5,000 (ignoring the welcome bonus which I’ll come back to), you’ll actually get 7,500 points, not 5,000. That’s now an effective cashback rate for the card of 0.75%.

But only if you spend in multiple of £5,000 up to £25,000. Here’s how it’d pan out based on different annual spends with the card.

Annual spend	Points earned	Additional bonus points	Total value as gift card	Equivalent cashback rate
£2,500.00	2,500	0	£12.50	0.50%
£5,000.00	5,000	2,500	£37.50	0.75%
£7,500.00	7,500	2,500	£50.00	0.67%
£9,999.00	9,999	2,500	£57.50	0.62%
£10,000.00	10,000	5,000	£75.00	0.75%
£12,500.00	12,500	5,000	£87.50	0.70%
£15,000.00	15,000	7,500	£112.50	0.75%
£20,000.00	20,000	10,000	£150.00	0.75%
£25,000.00	25,000	12,500	£187.50	0.75%

So really you’re looking at at least 62% on this card for spending over £5,000 if swapping to Nectar, and close to 0.75% if you are on or just over each £5,000 threshold. Only super high spenders above £25,000 will eventually earn less than this.

Welcome bonus

New American Express customers who haven’t had an Amex in their name in the last 24 months (here’s more on this American Express rule) will get a welcome bonus worth 20,000 Reward Points when they spend £3,000 in the first three months. You have to spend the full £3,000 to get the bonus. Spend even 1p less and you won’t get it.

This would be valued at £100 if converted to a gift card. The bonus is earned alongside the points given for each £1 spent, meaning that the initial £3,000 spend is actually worth £115 when converted at 0.5p.

However, there are also regular boosted bonuses, increasing the welcome points available to 25,000, and sometimes as much as 30,000 or 35,000 (depending on the offer). Unless you really need the card, I’d wait for one of these offers to run. Check our Amex Gold booster offer page to see if there’s an offer like this available right now.

Be aware that getting the American Express Gold card (bonus or not) will rule you out of earning the welcome bonus from the American Express Platinum, one of the only cards that allows a second bonus.

Annual fee and charges

The American Express Gold card is free in the first year. However after this it comes with an annual fee of £195.

I can’t see how it’s worth paying this much when you can swap to a free or much lower fee card and earn a similar amount on your spending.

Other Amex Gold perks

£10 Deliveroo credit a month

There’s potentially £120 back in credit for spending at Deliveroo with the American Express Gold card. It’s actually two lots of £5 per month, each requiring a £5 minimum spend. This offer needs to be activated on your card, and won’t apply to any supplementary cards.

Free airport lounge passes

You also get four airport lounge passes each year. These can be used at Priority Pass locations, which can be hit and miss – it all depends on which airport you are at. I’d treat it as a nice to have rather than a reason to get the card.

Exclusive events

This is something previously limited to Platinum card holders. You’ll be able to book on (and pay for) events and exclusive food and drink deals throughout the year. Personally I’ve never used this on any of my Amex cards.

Other cashback offers

Something I love about Amex are the extra offers you can select via the app and your online account. Though these are retailer specific and won’t always be relevant, they’re well worth a look.

What are Amex Reward points worth?

It’s all very well talking about these points, but how do you use them and what are they worth? The former is easy. You can exchange your points as soon as they are paid via the Membership Rewards website.

But the value of the points depends on how you redeem them. They’re worth 0.45p when swapped for bill credit or used on retailer sites. So 1,000 points will be worth £4.50.

That increases to 0.5p (£5 per 1,000 points) when exchanged for a gift card at retailers such as M&S, Amazon, Selfridges and Waterstones, or converted to Nectar points. This means the cashback equivalent is 0.5%.

You can also swap them to your Avios or other airline schemes at a rate of 1:1. Personally I think most people are better off getting a cash value they can use on everyday spending than be restricted to using them as part of a flight loyalty scheme.

We’ve written a longer guide sharing the best ways to use the American Express Membership Rewards scheme.

Cancelling your Gold Amex

If you won’t want to pay the fee from year two onwards, you can cancel your card. If you miss the anniversary and get charged, you may be able to cancel and get a pro-rata refund of the fee, giving you back the money for unused months. However this loophole is due to end at some point.

However closing the card will mean you lose unused Reward points. Fortunately there’s a free Amex Rewards card you can apply for which will protect your balance. Make sure you do this before ditching the American Express Gold card.

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Existing Trading 212 customers get a rate of 4.5%

FSCS Protected?: Yes

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Amex Gold vs other cashback cards

Welcome bonuses

When boosted to 30,000 points, the equivalent £165 welcome offer is the highest paying without a card fee in year one, as long as you can spend £3,000 in three months.

But, as mentioned, having this card rules you out of later applying for a welcome bonus with the Amex Platinum card, which is often boosted to 80,000 points. This won’t be for everyone, but if you think you might do this, then perhaps you’d be better off going for a different Amex first.

Compared to the other cards, the Nectar will earn you the equivalent of £100 in Nectar points, while the Amex Cashback offers up to £125 (5% on the first £2,500). Get either of these and you can still go for the Platinum at a later date.

Everyday spending

The best you’re going to get with this card is between 0.5% and 0.75%. That’s not bad, but it can be beaten. Right now there are a couple of cards which will pay a better rate.

The Amex Nectar pays two Nectar points per £1, which is effectively also 1%. This has a fee in year two, but only £30, so much cheaper than the Amex Gold!

The American Express Cashback card pays 0.75% on spending up to £10,000, then 1.25% for further spending (it resets each year). It also comes with a £25 annual fee, though this can be wiped out in the first year with a referral code or if you open the card via a cashback site.

Should you get the Amex Preferred Rewards Gold credit card?

Andy’s Analysis

It’s certainly not a bad option for one year, but if you think you will try the second welcome bonus hack for the Amex Platinum card then I’d go for the Nectar or Cashback first instead.

How to get an American Express Preferred Rewards Gold card

You can go directly and check your eligibility with American Express. Once you’ve done this, I’d check the rates at Quidco and TopCashback, or via refer-a-friend links, to see what extra you can get.

April 1, 2025 | Deals

Spotify music streaming deals (April 2025)

Written by Andy Webb

The latest free trials, vouchers, discounted annual passes and hacks to save money on Spotify.

For me, streaming music is an essential subscription. Whether I’m working or on the train I’m probably listening to my playlists or BBC 6 Music.

The service I like the best is Spotify, and here are ways you can get it for less.

Spotify and Be clever with your cash logos on a blue background.

How much does Spotify cost?

Following a price increase in April 2024, Premium prices all went up by £1 or £2, but the new Basic tier introduced in May will revert the cost back:

Plan	Premium Monthly price	Basic Monthly price
Individual	£11.99	£10.99
Duo	£16.99	£14.99
Family	£19.99	£17.99
Student	£5.99	£5.99

New Spotify customer deals

A couple of times a year there tends to be a new customer deal offering three months for 99p. When these come about I’ll list them below. Otherwise, new customers can always get one month for free.

Four months free Spotify with Just Eat

New customers can get four months free via Just Eat until 28 February 2026. You can cancel anytime or pay £11.99 once the free trial ends.

Get four months of Spotify

Three months free Spotify

New subscribers can get three months free with Freenow.

You need to redeem the offer by 30 November 2025, and it isn’t available to anyone who has tried Spotify Premium before. You need to cancel the subscription afterwards if you don’t want to pay full price as it renews at £11.99 per month.

Get three months of Spotify

Three months free Spotify via H&M

New subscribers can get three months free if you apply via the free H&M membership.

Head to the H&M app and in the offer section of your H&M account you’ll need to generate a code to trigger the free Spotify trial.

You need to redeem the offer by 4 November 2025.

This isn’t open to current subscribers, and remember to cancel the subscription if you don’t want to pay full price, as it’ll renew at £11.99 per month after three months.

Get three months of Spotify

One month free Spotify

If there isn’t an increased offer, when you go direct to Spotify new customers can get usually one month for free.

Get one month free Spotify Premium

Previous Spotify customer deals

These offers for ex-customers are rare, but still appear from time to time.

Three months for £11.99

This “welcome back” offer usually provides three months for the price of one, though sometimes it’s just two months. It tends to run a two or three times a year, usually April, August and November.

The most recent offer is for those who had a Spotify Premium account but cancelled it more than 30 days ago, which is roughly before 1 November 2024 (perhaps a day or two earlier). Look out for an email offering you three months for £11.99. You can also log in and see if the offer is displayed in your account.

However, if you’ve used one of these offers in the last 24 months you won’t be eligible this time.

It’s for the individual Premium account only, not Duo, Student or Family.

Here are the previous dates from recent offers to give you an idea of when it might return.

End of November – 31 December 2024 (for those who cancelled before November 2024)
Late Mid August to 17 September 2024 (for those who cancelled prior to 12 July 2024)
Mid April to 14 May 2024 (for those who cancelled before 18 March 2024)
Mid January – 14 February 2024 (for those who cancelled before 1 Jan 2024)
27 November – 31 December 2023 (for those who cancelled before 27 October 2023)
August to 12 September 2023 (for those who cancelled before 16 July 2023)
21 April – 16 May 2023 (for those who cancelled before 19 March 2023)
29 November – 31 December 2022 (for those who cancelled before 28 October 2022)
August/September 2022 (for those who cancelled before mid-May 2022)
April – 19 May 2022 (for those who cancelled before 14 March 2022)

Existing Spotify customer deals

You don’t need to pay full price for Spotify as an existing customer. Here are my top ways to save.

12 months of Spotify Premium for the price of ten (ish)

This is a decent deal from Amazon for existing Spotify Premium customers. It’ll cost you £120 rather than £144, so you’ll get two months free based on the new prices.

You can it as a digital or physical gift card that is sent in the post. Frustratingly you can’t use gift cards with Family, Duo or Student accounts. It also won’t work on Basic plans.

You can stack this with an existing gift card, or buy one now to add at a later date, though you can’t have more than 18 months of credit on your account at any time.

Buy a year of Spotify at Currys

Featured savings deal

More Details

Trading 212 Cash ISA

AER (variable)

5.07%

Minimum

£1

New Trading 212 customers get an increase of 0.72% AER to 5.07% for 12 months.

More details ▼

Additional Info

Existing Trading 212 customers get a rate of 4.5%

FSCS Protected?: Yes

Allows transfers in?: Yes

Flexible ISA?: Yes

▲

Downgrade to Spotify Basic

This new, slightly cheaper, version of Spotify started in May 2024. You get everything that Premium offers such as offline listening (downloads) and no-adverts, but you do sacrifice audiobooks. Not all users will be able to get this, so you’ll need to check your accounts to find out. Here’s everything you need to know about Spotify Basic.

Shared Spotify subscription deals

If you live with others who pay for their own Spotify Premium or Spotify Basic you can save cash by combining them via a Duo or Family plan.

Here’s the breakdown per month per person, with annual costs per person in brackets.

Plan	1 person	2 people	3 people	4 people	5 people	6 people
Premium	£11.99 (£143.88)	N/A	N/A	N/A	N/A	N/A
Basic	£10.99 (£131.88)	N/A	N/A	N/A	N/A	N/A
Premium Duo	£16.99 (£203.88)	£8.50 (£101.94)	N/A	N/A	N/A	N/A
Basic Duo	£14.99 (£179.88)	£7.50 (£89.94)	N/A	N/A	N/A	N/A
Premium Family	£19.99 (£239.88)	£10 (£120)	£6.66 (£80)	£5 (£60)	£4 (£48)	£3.33 (£40)
Basic Family	£17.99 (£215.88)	£9 (£107.94)	£6 (£72)	£4.50 (£54)	£3.60 (£43.18)	£3 (£36)

Monthly cost per person on each plan (annual in brackets)

Spotify Family for £19.99 a month and get six accounts

A decent option if there are three or more of you with your own Spotify accounts. Subscribe to a Family pass and you can pay £19.99 all in. So the more of you, the cheaper it gets. You can share with two people but the Duo option will work out cheaper.

Get Spotify Family

Spotify Duo – £16.99 a month for two

Duo is the best option for two people living at the same address, and this is the one we use.

You’ll pay £16.99 a month for Spotify Duo, so £3 cheaper than the family option (£36ish less a year), or £7 less than two standard Premium accounts (£83.88 total less a year). You will be asked to verify your address.

Get Spotify Duo

Save on Apple Music

Here are ways to save on Apple Music streaming including free trials and offers.

Save on Tidal, Amazon, Deezer & more

Here are more music streaming free trials and offers if you fancy changing from Spotify.

April 1, 2025 | Deals

Cheap cinema ticket offers and deals (April 2025)

Written by BCWYC Team

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.

Top cinema offers

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.

More about our Meerkat Movies hack

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.

More about Club Lloyds

Vue: 12 tickets via Halifax

With Halifax’s Reward accounts you can get one free cinema ticket per month at any UK Vue Cinema. Each ticket is valid for 12 months. You’ll need to add £1,500 to your account each month, and also spend £500 on the debit card too, in order to trigger the freebie.

However, there are ways to hack this, and we’ve written about that as well as how you can get three of these accounts per person, meaning a potential 36 free tickets every year!

Halifax Reward Account Review

Halifax Reward Account

Vue: Free Vue ticket via 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.

Monzo Perks Review

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:

Our guide to discounted gift cards

Up to 40% off via your 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:

Lidl Plus app (access via member perks)
Priceless from Mastercard
Santander (access via Santander Boosts)

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:

Vue: 3 tickets for £1 via the Telegraph
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: two tickets for £10 for Amazon Prime members

Deal expiry: Ongoing offer

If you have Amazon Prime, you can get two standard tickets for £10 at ODEON, or two recliner tickets for £15 at ODEON Luxe.

This offer can be used once per month for screenings from Monday to Thursday. This price includes the £1 booking fee per ticket. Can be stacked with discounted gift cards.

Get two tickets for £10

ODEON: free kids ticket via Octoplus Rewards

Deal expiry: 31 August 2025

Octopus Energy customers can nab up to two free child standard tickets per week free Kids ticket at ODEON via the Octoplus Rewards scheme until 31 August 2025.

The ticket can be used at any UK ODEON cinema, excluding ODEON Luxe, for a standard 2D film screening. And you’ve ages to use it – once the code is claimed it’s valid until until 31 January 2026.

There’s a £1 booking fee online, but none at the box office.

Get ODEON tickets via Octoplus

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.

Get VeryMe Rewards

myODEON: tickets from £5

Deal expiry: Ongoing offer

This offer is only available at 22 specified locations so check ODEON’s list to see if your local cinema is included. You must be signed into your account to see the lower prices.

Get myODEON

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.

Book ODEON online

ODEON: two for £10 via Octoplus Rewards (expired)

Deal expiry: Renews every week

Octopus Energy customers with a smart meter can get two ODEON standard adult cinema tickets for £10 each week, via the Octoplus Rewards scheme.

Tickets can be used at any UK ODEON cinema, excluding ODEON Luxe, for a standard 2D film screening on Monday to Thursday.

Get ODEON tickets via Octoplus

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: tickets from £4 each with Wowcher

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.

Go to Wowcher

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

Deal expiry: Ongoing offer

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.

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

Get O2 Priority if you’re not on O2

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.

Get your free tickets

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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/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.

Get £3 tickets via Three+

Cineworld: Two tickets for £12.95 with Wowcher

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.

Go to Wowcher

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!

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.

Join Showcase Insider

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.

Santander: £5 off a ticket

If you have a Santander account you can access Cinema Society for discounted tickets via the free Santander Boosts scheme.

From 10 February there are 3,000 £5 off vouchers, meaning you can pick up a ticket for Cineworld, ODEON, Vue, Showcase, Picturehouse, Merlin, The Light and more.

As of 1 April 2025 there were still vouchers available.

Get your £5 off a ticket

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.

Get free tickets

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.

Join Mubi Go

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 need to earn 48 Vitality points each month for tracking your activity, then just log into the website or app to generate your personal cinema ticket code.

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

Log into Vitality

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.

Join myLimitless

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.

Get a Cineworld membership

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.

Get a Picturehouse membership

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.

Expired deals

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.

Get 20% off ODEON gift cards

April 1, 2025 | Deals

Latest TopCashback deals: £20 for new members (April 2025)

Written by BCWYC Team

Earn extra cashback from TopCashback with these offers, including a welcome bonus

I’ve earned thousands of pounds through TopCashback and Quidco in the last 10 years – and that’s just by doing some normal shopping.

New member sign up deals

I think the best welcome bonuses are the ones that aren’t linked to a specific retailer. These open-ended offers mean you can get cashback no matter where you shop.

There are sometimes other deals that will pay a similar amount but they are restricted to specific retailers or require a higher minimum spend (eg £30). I’ll share these below if they are better than the generic offers.

You can only get one new sign-up offer.

Free £20 bonus

You can get a £20 new member bonus. You need to spend £10 via one of the retailers listed on TCB to get this bonus (excluding takeaways). You must go via this link or the button below.

Read the full terms and conditions when you click through. The £20 bonus ends 30 June 2025.

Existing customer deals

From time to time there are special bonuses you can activate. Often it’s £2.50 when you spend a tenner, though sometimes they are higher or linked to a specific type of purchase.

April 1, 2025 | Deals

Flower discount codes and offers

Written by BCWYC Team

Get the best deals on flowers for valentine’s, mother’s day and any other special occasion.

Here’s a round-up of the latest offers we’ve found. Don’t forget to check cashback sites such as Quidco and TopCashback – and if you’ve never used them make sure you get the new member bonuses available. Here’s more on how to claim those (worth up to £35 combined).

Bloom & Wild flowers offers

Bloom & Wild: £10 off your first order

New customers at Bloom & Wild can get £10 off the first order when using this referral link.

Order flowers from Bloom & Wild

Bloom & Wild: £5 free credit

Join the Bloom & Wild Rewards Club (it’s free) and you’ll get 500 points, worth £5 as a voucher to use later. You’ll also earn points when you buy flowers as well as get sent discount codes and offers.

Order flowers from Bloom & Wild

Bloom & Wild: £5 free credit

Set three reminders for dates like mum’s birthday and you’ll get £5 credit added to your account. Head to the Bloom & Wild home page and scroll until you see the Save the Date offer.

Order flowers from Bloom & Wild

Bloom & Wild: 50% off on your birthday

Once you’ve joined the Rewards Club you’ll be prompted to add your birthday, and in return, you’ll be sent a voucher to get 50% off an order on that date each year.

Order flowers from Bloom & Wild

Bunches flower offers

This is a really good online florist — plus there’s free delivery.

Bunches: 15% off

You can get 15% off all flowers with the code SAVE15

Shop at Bunches

Freddie’s Flowers

Freddies Flowers: 4th box free

Use the code FF4BOX at Freddie’s Flowers to get the fourth box free.

Get your forth box free at Freddie’s Flowers

Serenta flowers offers

Serenta Flowers: 5% off

There are usually various discounts available on this site, and you can often save an extra 5% off orders and get free delivery. The latest code is SERENTA5

Buy flowers from Serenta

Waitrose florist offers

Waitrose Florist: Various deals

Waitrose usually offers a discount of some kind on certain flowers, especially for specific occasions.

Get Waitrose flowers

April 1, 2025 | Deals

Discounted gift cards and offers

Written by BCWYC Team

Here are some of the latest offers to get you money off gift cards

When you buy gift cards for yourself or as a present, it’s really important you make a note of the expiration date and don’t forget about them at the bottom of the drawer! There are more details on what to watch out for in our article five things you need to know about gift cards.

Gift card special offers

Amazon gift card bonuses

Over on our Amazon deals page, we’ve got a couple of deals where you get extra money when topping up your account or buying a gift card. These offers tend to run most of the year, though they are normally only for people who haven’t done either of these in the last three years.

Amazon also offers discounts on some retailer gift cards, especially in the run-up to Christmas and during shopping promotions like Cyber Monday and Black Friday.

Check out Amazon gift card offers

Amazon: up to 20% off gift cards, including Lastminute, One4All and ODEON (ended)

Amazon is currently offering a number of discounted gift cards until 31 March 2025, including:

Candy Crush Google Play
Hotels .com
Lastminute
One4All
ODEON
Just Eat
Roblox
Uber & Uber Eats
Vue

Some offers are for digital cards, while others are for physical ones. Discount varies between 10% and 20% and check the terms on each gift card to ensure you’re meeting the minimum spend levels.

Save on gift cards at Amazon

One4All: £15 Amazon extra (ended)

You can get a £15 Amazon promo code if you buy a £100 One4All card from Amazon between 25 and 31 March 2025.

The £15 will automatically be taken off future orders- though it expires 17 May 2025. It’s limited to one per person.

Buy One4All at Amazon

Cashback on gift cards

JamDoughnut: cashback when you buy gift cards

With JamDoughnut, you can buy gift cards both as gifts and for everyday purchases and earn cashback on them. Plus, if you’re a new JamDoughnut user, you can get a £4 welcome bonus using our link* (double what you’d usually get).

Retailers on the app include supermarkets like Asda, Sainsbury’s, Tesco and M&S.

Read our review of JamDoughnut

Get a £4 welcome bonus at JamDoughnut

TopCashback: get cashback on gift cards

TopCashback has a spin-off site called TopGiftCards with money back on brands including Asda, Ticketmaster, Uber, Costa and Clarks. You need to click through from TopCashback and choose your gift card.

These are all digital gift cards but check the individual retailer terms to see if it can be spent in-store, online or both. Cashback is then paid back to your TopCashback account.

Remember, if you’re new to TopCashback you can also get a bonus of £20 when you sign up and spend £15. This counts when you buy gift cards too, but excludes takeaways.

The value of the gift cards on offer varies from 2% through to 10%, though most are less than 5%. Brands include (values correct as of 22/11/2023):

Asda – 1.6%
Morrisons – 2.5%
Asos – 6.1%
B&Q – 2.5%
Costa – 7%
Halfords – 6%
National Book Tokens – 7%
New Look – 5.2%
Pizza Hut – 7%
Primark – 4.3%
Ticketmaster – 3.4%
TK Maxx – 7%
Uber – 2.5%
Just Eat – 5.2%

Get a TopCashback new member bonus

HyperJar: earn cashback on gift cards

As with JamDoughnut, you can buy gift cards through the app and earn cashback on them with HyperJar.

There are more than 60 retailers on the app, including some supermarkets like Morrisons and Asda.

Read our review of HyperJar cashback

Cheddar: cashback on gift cards and spending

You can earn cashback in two ways with Cheddar: buying gift cards through the app, earning instant cashback, as well as by spending at specific retailers with a linked account.

There are more than 80 brands in the app, and once again, you can get cashback from supermarkets like Tesco, Asda and Morrisons. Use the code CLEVER2 when signing up to get £2 welcome cashback.

Read our review of Cheddar cashback

Discounted “work-perk” gift card trick, including John Lewis

We’ve written in detail about how you can get access to discounted gift cards, including John Lewis and Marks & Spencer, if you open up a Scottish Friendly ISA.

Featured savings deal

More Details

Trading 212 Cash ISA

AER (variable)

5.07%

Minimum

£1

New Trading 212 customers get an increase of 0.72% AER to 5.07% for 12 months.

More details ▼

Additional Info

Existing Trading 212 customers get a rate of 4.5%

FSCS Protected?: Yes

Allows transfers in?: Yes

Flexible ISA?: Yes

▲

Expired offers

Tesco: 15% off cinema gift cards (ended)

Until 27 October you can get 15% off ODEON, Vue or Cineworld gift cards at Tesco.

You can get gift cards between £10 and £100 in the offer.

Buy gift cards at Tesco

April 1, 2025 | Deals

Finance app and fintech offers

Written by BCWYC Team

Try out new apps to help you and your finances and also get a free money bonus or voucher when you do

We love trying out new apps that help us track our spending, put money into savings or earn interest. Often they’ll also come with a welcome or referral offer, and we’ll share these and any other decent ones below.

Money app offers

Money app welcome offers

Snoop: £5 Amazon Voucher

Snoop is an app to help you track your spending. It also analyses your bank data to suggest ways you can save money. Right now there’s an offer to get a £5 Amazon voucher.

You must go via the link below for the offer to track.

Once you’ve downloaded the app and signed up you need to connect a bank or credit card account and stay connected until the end of the following month. Do this and the voucher will be sent.

Join Snoop to get your £5 voucher

Sprive: £5 welcome bonus

Sprive is an auto savings app (more on how these work here) where the money moved from your current account goes towards your mortgage rather than a savings pot. The idea is you’ll slowly make overpayments that’ll get you mortgage-free faster.

The standard referral offer is £5 (it’s occasionally doubled to £10). You’ll need to sign up with a code (such as 5NN3KXFL) and set up a Direct Debit linked to your bank account.

The bonus can only go towards your mortgage – so sadly if you’re not a homeowner this won’t be one for you.

More about the Sprive app

Featured savings deal

More Details

Trading 212 Cash ISA

AER (variable)

5.07%

Minimum

£1

New Trading 212 customers get an increase of 0.72% AER to 5.07% for 12 months.

More details ▼

Additional Info

Existing Trading 212 customers get a rate of 4.5%

FSCS Protected?: Yes

Allows transfers in?: Yes

Flexible ISA?: Yes

▲

Money data offers

YouGov Connections: earn up to £55 a year

Share your banking data with YouGov and you’ll earn 5 points a day per account, worth 5p. You can add three current accounts, which over a year adds up to just under £55. Our full guide to YouGov Connections explains more.

YouGov Connections explained

Banking app offers

Monzo: £5 welcome bonus

New users of digital bank Monzo can get £5 credited to their account if they sign up via a refer-a-friend link and make a card payment in 30 days.

You’ll need to ask a friend for a link. Make sure the landing page when you follow a link explicitly says you’ll earn £5.

Here’s our full review of the bank.

Read our Monzo review

Expired offers

Tide business: Earn £75 (ended)

Sole traders and limited companies that open a brand new Tide account are eligible for a £75 welcome bonus. You’ll need to enter the code REFORM when you apply. Then once accepted, spend £300 on the debit card in the first three months.

The £75 will be credited to your account within eight weeks of meeting the criteria. You might be asked to prove you are running a business.

More about the Tide account

HyperJar: Up to 2% cashback (ended)

New users of the HyperJar app can earn up to £200 a month if they sign up before 21 June 2024.

You’ll get 1% back on spend with the physical debit card, and 2% on payments via Apple Pay or Google Pay, capped at £200 each month.

So if you spend £500 a month with your card you’ll get £5, and another £10 if you spend a further £500 via your phone’s wallet.

Most of your spending will count, but there are some exclusions, including paying off credit cards, Council Tax, utilities, gambling and tax bills. Also excluded are buying gift cards via HyperJar.

The cashback will last until 31 October 2024 so you’ve potentially got six months to earn the cashback. You’ll get your money 30 days after each month ends. So spend in May and you’ll get the money on 30 June and so on.

The HyperJar account is free so it won’t cost you anything to spend via the debit card.

You cannot be a current or previous customer of HyperJar to get the offer. Full terms and conditions here.

More about HyperJar

What is Club Lloyds?

How much does Club Lloyds cost?

Top Tip

Can you get a switching bonus?

Club Lloyds Lifestyle benefits

Free cinema tickets

Free Disney+

Free magazine subscription

Club Lloyds magazine choices (print or digital)

Free Gourmet Society membership

Which freebies are the best value for money?

Which lifestyle benefit should you choose?

Andy’s Analysis

Club Lloyds Interest rates

6.25% Monthly Saver

Up to 3% interest in your account

Is Club Lloyds worth it for the interest?

Club Lloyds spending overseas

Club Lloyds overdraft

Cashback on purchases

Lloyds app

Account details and management

Card details and controls

Cheque payments

Save the change

Budgeting and tracking

Summary – should you get it?

Club Lloyds Current Account

Andy’s Analysis – Is Club Lloyds a good account?

Split your handset and your tariff

Go SIM-only

Don’t get your handset via your network

Choosing your new phone tariff

Don’t pay for more data than you’ll actually use

Factor in the extras and freebies

Don’t just stick to the big companies

Finding the best price

Check if you’re out of contract

Compare prices

Check for cashback

Call your network to see if they’ll negotiate

How much will you make from the Amex Gold?

Earning Reward points

Spending bonuses

Combined points and bonus returns

Welcome bonus

Annual fee and charges

Other Amex Gold perks

£10 Deliveroo credit a month

Free airport lounge passes

Exclusive events

Other cashback offers

What are Amex Reward points worth?

Cancelling your Gold Amex

Amex Gold vs other cashback cards

Welcome bonuses

Everyday spending

Should you get the Amex Preferred Rewards Gold credit card?

How to get an American Express Preferred Rewards Gold card

How much does Spotify cost?

New Spotify customer deals

Four months free Spotify with Just Eat

Three months free Spotify

Three months free Spotify via H&M

One month free Spotify

Previous Spotify customer deals

Three months for £11.99

Existing Spotify customer deals

12 months of Spotify Premium for the price of ten (ish)

Downgrade to Spotify Basic

Shared Spotify subscription deals

Spotify Family for £19.99 a month and get six accounts

Spotify Duo – £16.99 a month for two

Top cinema offers

2-4-1 via Meerkat Movies for £1

Free tickets via your bank

Cashback on cinema gift cards

Up to 40% off via your other memberships

ODEON ticket deals and offers

ODEON: two tickets for £10 for Amazon Prime members