Get free cash when you shop at thousands of shops or other bonuses with these Quidco sign-up bonus offers.
We’re big fans of cashback and – even better – you can often get a bonus when you sign up for the first time.
Quidco is one of the big cashback sites, and we’ll list the best deals here, as well as any other specific cashback deals we think you can’t afford to miss.
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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What is Quidco?
Quidco is a cashback website that lets you earn money back when you shop through its platform. It works with thousands of retailers across different categories, including fashion, tech, travel and groceries. When you make a purchase through Quidco, a percentage of what you spend is tracked and later paid out as cashback, which you can withdraw to your bank, PayPal, or as a gift card.
First time Quidco user offers
There are regular retailer-specific offers that come and go which could save you £10 or £15 if you buy at those shops. But the two generic offers below are far better as they mean you can spend your money wherever you want on whatever you want.
£18 bonus cashback when you spend £10
The best deal is for subscribers to our weekly newsletter who get access to an exclusive £18 first-time bonus when they spend £10. You’ll also get the cashback offered by the retailer on top.
Once you sign up, you’ll need to click on the sign up confirmation email that will be sent immediately. If you don’t see it please check your spam folders as it could be there, and then add our email address to your safe senders list.
Then look for a special email that will be sent to you with the exclusive Quidco sign-up link. Make sure to read the terms and conditions on Quidco’s website before making your first purchase to ensure it tracks.
This offer is due to end 30 June 2026, but will hopefully be extended
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Plus, new Quidco customers get a high paying £18 welcome offer
Get £10 cashback when you spend £5, plus extra cashback (ended)
This is an ongoing offer that can get you the cashback on any purchase, as long as you spend £5 or more. So if you spend £5 at any of the 5,000+ retailers listed on Quidco – which is pretty much all of them – you’ll get £10 back plus whatever the cashback rate is. There are so many shops you’ll definitely find a way to get your cashback.
It’s worth looking for bonus cashback deals which can pop up from time to time. You need to click to activate these offers. We’ll add them below when we see them.
Quidco Flashback offers
Often Quidco has boosted cashback known as Flashback that runs for 24 hours. Sometimes we can share them in advance, although they could change or be cancelled. Always check the Quidco homepage for the full terms and conditions. You might also have to activate some offers.
Some deals will give you money without actually spending any money:
£3 bonus when you install Quidco reminder (ended)
If you use Chrome as your internet browser you’ll be able to earn a £3 bonus by installing the Quidco Reminder extension, then using it to activate cashback while shopping and spend at least £3. There are a handful of retailers excluded which are listed in the terms and conditions when you click through. The offer comes and goes.
The best offers and promotions for credit cards from 0% interest through to introductory bonuses.
Used responsibly, credit cards can help you earn money on purchases, give you stronger consumer protections, make holidays cheaper, help you clear debts or spread the cost of a big purchase.
Everyone’s situation will be different, so these are just the best cards out there – you might have to settle for a shorter deal or lower rate of cashback.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Cashback card welcome bonuses
When you’re opening a card, especially a cashback or rewards based card, it’s worth seeing if there’s a welcome offer. And even better, checking to see if it’s boosted.
Barclaycard Rewards: Boosted 1% cashback for 12 months when you apply in-app
Barclaycard is boosting the cashback on purchases to 1% for 12 months if you apply in app and 6 months if you apply using Barclaycard.co.uk, Barclays.co.uk or a comparison site.
The cashback rate reverts to 0.25% after the promotional period ends. T&Cs and exclusions apply.
Virgin Atlantic: Up to 36,000 bonus welcome points
Virgin Atlantic has two offers running. Up to 36,000 points on its Virgin Atlantic Reward+ Credit Card (which comes with a £160 annual fee) and up to 6,000 points for its Virgin Atlantic Reward Credit Card (with no annual fee).
The Reward+ card offers18,000 welcome bonus points with your first card spend, made within 90 days of taking out the card. An extra 18,000 bonus points if you apply by 18 May 2026 and spend £3,000 or more within 90 days of taking out the card. You also get 1.5 Virgin Points for every £1 spent on everyday purchases and 3 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. There’s also a flight upgrade or companion ticket if you spend £10,000 or more a year on purchases. Terms apply.
The Reward card offers 3,000 welcome bonus points with your first card spend, made within 90 days of taking out the card and an extra 3,000 bonus points if you apply by 18 May 2026 and spend £1,000 or more within 90 days of taking out the card. As an ongoing rate it offers 0.75 Virgin Points for every £1 spent on everyday purchases and 1.5 Virgin Points for every £1 spent direct with Virgin Atlantic or Virgin Holidays. You get a flight upgrade or a companion ticket if you spend £20,000 or more a year on purchases. Terms apply.
You’ll get a £20 Amazon Gift Card if approved, plus activate your Amazon Barclaycard in the Barclays or Barclaycard app* for an extra £10 Amazon Gift Card.
You’ll also earn 1% at Amazon and 0.5% elsewhere, dropping to 0.25% after a year.
Existing Barclaycard customers can apply to switch from their current card to the Amazon version, but will lose any existing card benefits.
Santander: no fee for first year of Edge credit card (ended)
Those with a Santander current account can get the Edge credit card without its usual £4 monthly fee for the first year. The card lets you earn 1% back on your spending, up to £10 per month, giving you a cap of £6 oer month that you can make with the account, but with this offer, you can save £48 per year and make up to £120 in cashback. We have a full review of the Santander Edge credit card with all the info on cashback you can earn.
To get it, you need to open a Santander Edge credit card between 11 November and 13 January 2026, set up a Direct Debit and use your credit card 10 times or more over the first 3 months to qualify.
For this, you’ll get £48, which will cover the monthly fee for the first year.
The usual 25,000 welcome Avios is boosted until 15 January 2026 on the Barclaycard Avios Plus credit card.
In addition you can get 10,000 more points and a year of Apple TV.
To get all the points you need to spend £6,000 in the first six months. This spend will also earn you another 9,000 points, giving you a total of 44,000 points, which is worth £220 if converted into Nectar points.
However, the card does come with a £20 monthly fee. You could cancel the card once you’ve hit the threshold to reduce the impact on your profit.
Existing Barclaycard customers won’t be able to apply.
If you apply for a new John Lewis Partnership card you’ll get double points at John Lewis or Waitrose for the first 6 days, meaning you’ll get the equivalent of 2.5% back.
After this, you’ll earn 1.25% back (5 points per £4 spent) in Waitrose or John Lewis. You’ll get 0.25% back (1 point per £5 spent) at all other retailers.
If you apply for a new Marks & Spencer credit card, you can get five points on M&S spending instead of one, for six months. Every £100 spent gets 500 points which works out as £5 as a voucher.
There is no closing date for this offer but the terms and conditions state it can be withdrawn at any time.
Cashback sites Quidco and TopCashback offer between £20 and £30 to successful applicants for credit cards from Tesco, TSB, HSBC and Barclaycard. Rates can change, so check out both sites.
For balance transfer cards this could work out better than the no-fee option. So, for example, if the transfer fee is 0.9% and you transfer £2,222 or less then the cashback you earn will wipe out the fee.
These rates can change so it’s worth checking each site to see which pays the most.
New to cashback sites? Get an additional bonus of up to £20
Quidco new members can get £18 when they spend £10, while TopCashback new members can get £20 when they spend £10. Find out how to get these bonuses
Check out the latest bank switching incentives, plus the current accounts with the best rewards, cheapest overdraft and highest interest.
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Expired deals
Asda Money: up to £50 cashback (expired)
If you open a credit card with Asda Money by 6 January 2025 then you can get 5% back in your Asda Pounds in your first 60 days, up to £50.
You’ll also earn 0.75% on your Asda spend and 0.2% everywhere else.
This is only available for new customers, or those who’ve not had an Asda credit card in the last 12 months. You’ll need to stay within the terms of your credit agreement to get the Asda Pounds.
It’s worth noting that recent offers have paid more, with £50 or £100 available in cashback in 2024.
Virgin Atlantic Reward+: Up to 36,000 bonus points boost (ended)
If you collect Virgin Points rather than Avios, this offer until 13 October 2025 will earn you double the usual welcome points when you spend £3,000 within the first three months.
Card
Fee
Requirement
Welcome bonus
Boosted points
Virgin Atlantic Reward+
£160 a year
Spend £3,000 within 90 days
18,000
18,000
You’ll get 18,000 points with your first purchase with this card, and then another 18,000 when you spend £3,000 in the first 90 days of having the card. You also need to link your Flying Club number to your credit card by 11 January 2026.
You’ll be eligible for the offer as long as you’ve not held this Virgin Atlantic card in the last six months. If you have the free version of the card you will be able to get this offer.
With the card, you earn 1.5 Virgin Points for every £1 spent on card purchases and 3 Virgin Points for every £1 you spend directly with Virgin Atlantic or Virgin Holidays.
The offer ends on 13 October 2025.
Is it worth it?
This is a significant boost on the previous one last Spring.
Bear in mind there’s a £160 annual fee, and you won’t get a refund if you cancel it after getting the bonus.
You can use the points against flights, as well as on the Virgin Red site, including for train tickets or gift cards at Costa, Nike and Pizza Express. You’ll get half a penny (0.5p) per point, so those 36,000 points will be worth £180.
You can also swap for things like Virgin Wine and Greggs’ sausage rolls!
HSBC: 0% purchase card plus £60 cashback offer stack (expired)
With the HSBC Purchase Plus card, you can get £35 cashback from Quidco when you apply and use the card within 90 days. If you’re not on the Premium level of Quidco (£1 a month – more here), that this drops to £25.
And on top of this HSBC will give £25 cashback if you spend £100 on the card once accepted. That part ends 16 December 2024.
The card itself offers up to 20 months of spending at 0%, and up to 17 months for a balance transfer, with a fee on the latter of 3.49%. If you use the card for purchases you must pay off at least the minimum each month, even though it’s at 0%.
Remember, even though you need to go via Quidco to get this offer, you should check your eligibility first on the HSBC site. If you decide to proceed with the application, close the HSBC website down, and start again via Quidco.
If you’re new to Quidco, you could get up to £20 as a welcome bonus as well, though you’ll need to you use this for other shopping as it requires a minimum spend.
With the Barclaycard Platinum credit cards, you can get £15 cashback from Quidco when you apply and use the card within 90 days.
And on top of this Barclaycard will give £20 cashback if you spend £500 on the card once accepted. That part ends 6 February 2025.
The card itself offers up to 22 months of spending at 0%, and up to 19 months for a balance transfer, with a fee on the latter of 3.45%. If you use the card for purchases you must pay off at least the minimum each month, even though it’s at 0%.
Remember, even though you need to go via Quidco to get this offer, you should check your eligibility first on the Barclaycard site. If you decide to proceed with the application, close the Barclaycard website down, and start again via Quidco.
If you’re new to Quidco, you could get up to £20 as a welcome bonus as well, though you’ll need to you use this for other shopping as it requires a minimum spend.
If you sign up for Yonder, you can get yourself 6 months free (usually £15 per month).
Yonder is a reward credit card that lets you earn points to dine out (mainly in London). Travel insurance is included. A nice draw is that it doesn’t necessarily check your credit report as it prioritises open banking data when making a decision on accepting or rejecting your application.
You don’t have to stick around after the free trial and cancel before the 6 months are up.
Don’t miss out on even better deals when looking for a new mortgage offer.
If you’re on a fixed mortgage deal, you might just see remortgaging as something you need to do to avoid moving on to a more expensive standard variable rate. Of course, doing that will save you money but it’s possible to use remortgaging to reduce how much you pay over the term even more.
I’m not going to go through everything you need to do when you remortgage here – things like check your credit report for errors, get paperwork together and watch your spending and credit applications in the run-up to your application.
This is all very important stuff and could well have changed since you last got a mortgage. So do read up on all of that.
Instead, I’m going to focus here on a few simple things you can do that could make a big difference to the monthly and total cost of your mortgage. And the main one involves something called “Loan to Value”.
Watch this video or keep reading (or both)
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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What is Loan to Value?
Loan to Value, or LTV, is essentially how much you have borrowed compared to the value of your home. So if you originally bought a £300,000 house with a £30,000 deposit you would have had an LTV of 90%. That’s a mortgage loan of £270,000.
So why does this matter to remortgaging? Well, LTV is measured in bands. They generally start at 95% (meaning you’ve put down a 5% deposit) and drop in 5% increments down to 60%, though sometimes the gaps between tiers are larger (eg 75% and then 60%).
Mortgage interest rates tend to then drop for each band you move down. And obviously the lower the interest rate you get, the less you’ll pay.
For example, at the time of writing, the lowest available five-year fix is 4.48%. This is based on taking out a 25-year mortgage term with a 60% LTV. At 80% LTV, the lowest five-year fix available is 4.68%, at 90% that rises again to 4.84%.
And over time there’s a good chance your LTV will have changed, thanks to prices rising as well as you paying off some of your loan, meaning you might get a better deal when it comes around to remortgaging.
There are two key changes that could have affected your LTV since you agreed to your last mortgage deal.
Try our mortgage calculator
Our mortgage calculator helps simplify things by giving you an idea of how much you could borrow and your likely monthly repayments.
First, unless you’re on an interest-only mortgage, you’ve been paying into your mortgage every single month, building up equity.
Say you’ve knocked £15,000 off the mortgage in equity payments (don’t forget some of your monthly repayments will have gone towards interest charges), then you have added an extra 5% to what you own. This means your LTV would now be 85% and you can apply for the next tier of mortgages.
And second, your property value could have increased. Let’s say it’s now worth 5% more at £315,000. That’s an extra £15k. Alongside your initial deposit and the £15k in repayments, it would give you £60,000 of equity – roughly 19% of the total value. That means the LTV is now 81%.
However, in the example above, the repayments and extra value might give an LTV of 81% but it would still only mean getting access to deals in the 85% LTV bracket, rather than 80%.
When you’re really close to a new tier, finding some extra cash from savings or cutting back ahead of remortgaging would be well worth it. Here an extra £3,000 might seem a huge amount but the drop down to the 80% band could be a big saver over time.
Using our example mortgage size, a 0.45% difference between 85% and 80% LTV tiers over five years would be just £2,000, but over 25 years that variation in rate would be worth £15,000.
It’s worth having a go on our mortgage calculator to find out what effect things like different rates have on payments, so it’s worth taking a look at playing around.
How to get a new valuation for LTV
You can get a sense of price changes using a site like Zoopla. You put your postcode in and you’ll get an estimate as to the current value of your property. It’ll be shown in a range which can be quite broad. When I looked, for example, it suggested my house had gone up by £20k to £79k in value since we paid for it two years ago.
You can also get an idea from Zoopla and RightMove as to what the list prices were for other similar properties that have sold recently. Have a nose at the listings online so you can see if it’s a similar layout and standard inside. Remember these are just asking prices, so the actual deal could be different.
For a more accurate idea you could invite an estate agent over to give you their input – there’s no commitment for you to list the house if you do this. You can then put a figure on your application.
The mortgage lender will then want to do their own valuation (and charge you for it!). This could just be a drive-by looking at the outside of the property, or they might want to come into the house. You probably won’t know which one it is, so make sure everything looks good inside just in case.
This won’t happen though until you’re already quite a decent way through your application process so if you don’t get what you want to bear in mind you’ll start all over again with another lender.
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Plus, new Quidco customers get a high paying £18 welcome offer
Shop around for the lowest rate
Once you’ve checked the LTV you could just remortgage with your existing lender. That might be the quickest option, and it could mean you don’t need to go through as many hoops and cut out some fees. But it could also mean you’re missing out on some much lower deals.
You can also talk to a mortgage advisor, who will be able to give you a much better idea of what you could be offered based on your individual circumstances, and even ways to boost your affordability.
A few extras to bear in mind when comparing different rates:
Find out if you are able to overpay
It’s really worth looking to see what the rules are in terms of overpayment. Some won’t let you do it at all, while others might have annual limits. Best is complete freedom to pay what you want each month and the ability to clear it completely before the term ends.
Even if you don’t think you’ll be able to overpay by much, if at all, right now, you never know how things could change. It’s really useful to have that flexibility.
You’ll get charged all sorts of different fees with different mortgages, and they can make good looking deals actually worse than ones with higher interest.
The main ones are the arrangement and booking fees. These facilitate the deal and could be non-refundable. You need to factor in these to the total cost of the mortgage deal.
Do this over the length of the deal (eg three years) to work out what you’ll actually be paying over time, and compare it to one with higher rates and lower fees.
Consider if you want to fix for longer
If interest rates are going to shoot up in the coming years, you might want to look beyond the usual two-year fixes. There are often five and 10-year options available, though you may pay a higher rate for these.
Check how much you’ve left to pay
One reason not to remortgage is when you’ve almost cleared your debt. That’s because the fees that are added to new deals could well wipe out the savings you’ll make by sticking put – even if it’s at a higher interest rate! So work out how much you’ll be paying by sticking put just in case it works out cheaper.
It’s worth looking for new deals around six months before your deal ends as it can take time to get the process approved.
Saying that, you can remortgage at any time, though if you do it before your deal ends you may get hit with exit fees – usually known as early repayment fees.
So generally it’s best not to do it early but you might want to keep an eye on any potential base rate changes by the Bank of England.
If it looks like there’s going to be a significant rise you might want to switch your deal early to get hold of lower price deals – but of course you need to factor in any early repayment charge as well as any changes to LTV.
Important
*Your home may be repossessed if you do not keep up repayments on your mortgage. Be Clever With Your Cash may receive a payment from Tembo Money if you complete a mortgage through the link provided. This will not affect the amount you pay for the service.
This broker fee discount of up to £499 is applicable for standard mortgages and remortgages only, more complex cases including guarantor, buy-to-let, adverse credit, and equity transfer may be liable for a fee. The fee you are required to pay will be clearly outlined by your adviser prior to an application being submitted on your behalf. The offer does not cover any other potential fees that may arise during the mortgage process.
Tembo Money Limited (12631312) is a company registered in England and Wales with its registered office at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and regulated by the Financial Conduct Authority under the registration number 952652. Tembo Money was awarded Best Mortgage Broker at the British bank awards in 2022, 2023, 2024 and 2025. Rates are not guaranteed and may change by the time you come to apply. Eligibility criteria may vary by lender.
Our calculator is only an estimate of how much you are able to borrow and does not constitute mortgage advice
All of the deals for ODEON, Vue, Cineworld, Everyman, Picturehouse and more!
In this article you’ll find all the latest cinema ticket deals and offers, starting with the ones you can’t miss, then some chain specific offers, and then a few more well worth a look.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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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 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.
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.
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:
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.
We’ve listed more offers, both specific to the different chains and across different cinemas, below, but these ones in particular are worth a look:
Everyman: 2-4-1 Wednesday with Times+
Escapes: free film preview tickets
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ODEON ticket deals and offers
Don’t forget we may have featured some ODEON deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
ODEON: discounts and points via ODEON Extras
Deal expiry: Ongoing offer
Sign up for free to ODEON Extras scheme to earn points and other savings. You’ll get the following:
Tickets from £4.50 every Monday
A birthday treat (possibly a large popcorn and drink combo)
500 points on joining
25 points for every £1 spent
If you watch two films in three consecutive months you’ll get a free upgrade to ODEON Extras Plus. You’ll need to make another two visits every six months to keep at this level. Extras Plus will get you more and is still free:
50 points for every £1 spent
10% off tickets when you book online
An improved birthday treat
Invites to member screenings
Large popcorn for the price of a medium
You’ll need to earn a few points before you can use them. You’ll be able to swap as follows:
5,000 points for a £5 food and drink voucher
7,000 points for a standard seat ticket
10,000 points for recliner seat ticket
So you’ll need to spend £280 to claim that free standard ticket on the base level Extras membership! If a ticket costs £10, that’ll be 14 tickets.
Points will expire 24 months after they’re earned, so don’t forget to use them.
ODEON: two tickets for £8 for Vodafone customers (+£1 booking fee)
Deal expiry: Ongoing offer
If you’re a Vodafone customer then you can get two ODEON cinema tickets every week with VeryMe Rewards. You can do this once each week for any film showing at any time.
Two standard tickets will cost £8, while two Luxe tickets cost £13.
You can also get four standard for £16 and four Luxe for £26.
The voucher can only be used on the same screening, so you couldn’t use it for one ticket at two screenings for example.
You’ll need to pay an additional £1 booking fee when using the voucher on the ODEON website, though this covers the whole booking. If you use it at the box office you won’t pay this extra charge.
To get it, you just need to tap on ‘Rewards’ in the Vodafone app and claim the offer.
Don’t forget we may have featured some Vue deals in our ‘Top cinema deals’ section above, including free tickets via bank accounts.
Vue: free tickets via Club Perks
Vue have launched a new reward scheme called Club Vue. Each time you buy a ticket you’ll get a stamp, and once you have 10 stamps you’ll get a free ticket. There are also ‘bonus treats’, so something to look out for.
You need to download the Club Vue app and join the free Vue Member scheme.
There’s only one stamp per booking, so you might want to book multiple seats separately. You’ll also only get the stamp if you book in advance on the app or website, and not via the box office.
The free ticket is for a standard 2D showing, so won’t work for 3D or other premium tickets though you can pay extra to upgrade. You’ve three months to use the free ticket once it’s been issued, and you can use it online or in person.
This appears to work with free tickets too, such as those from Lloyds Bank or Vitality, so you might not even need to spend anything to get a stamp.
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.
Don’t forget we may have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
We’ve also details of Cineworld and Picturehouse memberships later on this page.
Cineworld: £5 Tesco tickets all May
Turn £2.50 in Clubcard vouchers into a £5 2D cinema ticket any day in May.
How to redeem:
Exchange your chosen voucher value (for example, £2.50 in Clubcard vouchers to receive a £5 2D ticket).
You’ll receive two emails from Tesco:
A confirmation email
A second email containing your Reward Partner voucher code
Visit the Cineworld website.
Select your film and preferred time
You’ll be presented with multiple ticket options.
Select “Clubcard – £5.00” and choose the number of tickets.
Choose your seats.
Select “Tesco Clubcard Partner Code”.
Enter your voucher code – the full or partial ticket value will be deducted, depending on the amount you originally exchanged.
Proceed to payment to complete your booking.
The £5 deal is on Cineworld’s standard 2D tickets.
Clubcard members can also get a special drink and popcorn deal while at the cinema, letting them buy a drink and popcorn combo at a discounted price.
The deal runs until the end of May, after which you can still use the Tesco Tuesdays deal to get £5 tickets with your Clubcard points (more details below).
Each Tuesday you can use a Tesco Clubcard Cineworld voucher that’ll cost you £2.50 in points for a £5 ticket.
You can get up to four 2D tickets with the offer, and it includes the booking fee. You need to pick “Clubcard ticket” when booking on the Cineworld website.
If you don’t have enough points to transfer, you can transfer a portion into vouchers and pay the difference for the ticket. You’ll need at least 50p in Clubcard points.
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.
First Direct account holders can claim two tickets for a tenner every week. You need to sign up for the free First Direct Perks scheme to access the deal.
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Plus, new Quidco customers get a high paying £18 welcome offer
Everyman cinema ticket deals and offers
Everyman offers are pretty rare, the best one being with a Times+ subscription.
Everyman: 2-4-1 Wednesday with Times+
If you subscribe to The Times, you’ll be able to get two-for-one tickets at Everyman on Wednesdays. You can get a one month free trial or £3 for 3 months then it’s a pricey £26 a month.
Don’t forget, we have featured some other deals in our ‘Top cinema deals’ section above, including how to hack 2-4-1 tickets for £1.
Escapes: free film preview tickets
With Cinematik, you can get free tickets to select films for free. Each month, a film is voted to be screened, and you can book to see it on a specific day. You can book a maximum of one ticket per screening. You also have the option to reserve an additional ticket for a guest, which they’ll need to confirm separately via a shareable invite link.
The cinemas taking part are mainly local independent ones, but there are Picturehouse and Reel cinemas included. There’s a full list of all participating cinemas on the Cinematik website.
Mubi 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.
If you’ve got a Vitality membership, usually offered as a healthcare perk with employers, then you can nab yourself a free Vue or ODEON ticket once each month.
You now need to get a four-week streak, where you earn at least 12 points each week. You can then claim the free ticket in the app.
Enter your code on the cinema’s website when booking your tickets.
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.
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.
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.
If you frequently go to a Cineworld, its Unlimited Card lets you go as much as you want (2D only). The minimum subscription is 3 months and starts at £10.99 a month, going up to £21.90.
Each cinema is bracketed into a group – the amount you pay depends on the group your cinema falls in. The Cineworld website has a full list of which cinemas are in which groups.
Group 1 cinemas – £10.99 a month
Group 2 cinemas – £16.99 a month
Group 3 cinemas – £19.40 a month
Group 4 cinemas – £21.90 a month
Members are also invited to preview screenings and get 10% off food and drink. If you continue your subscription for a second year, membership then includes 3D films and the food discount goes up to 25%.
There’s also a referral scheme where you get an extra month for free if you get a mate to sign up.
We’ll share any discounts on membership here when they’re available.
Take a friend for free from 23 January to 12 February
If you’re a Cineworld Unlimited member and were registered by 20 January 2026, you can take a friend for free until 12 February.
The free ticket can be a 2D ticket only at any Cineworld cinemas.
Picturehouse: free tickets and £3 off with memberships
Picturehouse memberships give you free tickets and discounts at any Picturehouse cinema. The free tickets are sometimes restricted to your member cinema so it’s best to save them for the weekends when prices go up.
There’s two tiers of membership – Member and Member Plus. The Member option gives you five free tickets and costs between £57 and £97 per year depending on the member cinema you join.
Member Plus gives you an extra card so you can split the costs with a mate or family member. You’ll get ten free tickets and it costs between £100 and £170 per year.
After the freebies you’ll also get £3 off our further tickets.
Members also get a 10% discount on food and drink, free previews, no online booking fees and occasional other freebies.
At certain points in the year there are discounts on memberships, and we’ll share them here if they’re any good.
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.
For £65 (£50 concessions) you can get an annual “Classic” membership. This comes with five credits to use for free tickets or at home streams. You can use the credit to buy tickets for yourself and guests. There’s a further 20% discount for you and a guest on other tickets. You’ll also get 10% off drinks and snacks.
If you go to a Curzon a lot, there is a £285 “Cult” option. This annual membership gives you five free credits a week. Use them all and it’s just £1.10 a ticket! You can’t use the credits to get a ticket for a guest. If you want to pay monthly it’s £25 a month, but you’re still tied in for 12 months.
The Cult + membership doubles down with 10 free tickets a week (which are valid for events such as theatre and ballet screenings) and an additional cardholder. It comes in at £850 a year.
Odeon is running it’s New Year Sale already, offering 25% off its annual subscription. It’s £139, usually £186. Limitless Plus is reduced to £164, usually £219.
This makes it just over £11.50 per month, so if you’re a regular cinema-goer, it could be well worth it.
You can only get this when you buy a whole year upfront between 22 December 2025 and 31 January 2026.
You can currently get 25% off a new Cineworld Unlimited subscription if you use the code UNLIMITED25 between 30 June and 13 July 2025. The price of a membership depends on the cinema that you’re signing up for and your subscription period.
You’ll also get 10% off snacks and 25% off at partner restaurants.
Tesco is selling Odeon gift cards with a 15% discount. You can use these to pay as normal for any ticket, including those which are discounted, such as using Meerkat Movies or the two for £10 voucher via Amazon Prime.
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.
You can buy bundles of Vue tickets on Wowcher, either two, five or ten, and you’ll get them at a much lower price. Two tickets cost £9.50 – making it £4.75 a ticket. For five tickets, you’ll spend £22 (£4.40 per ticket), and ten tickets cost £40, making it £4 per ticket.
You can use the tickets for Standard 2D screenings, sitting in super saver seats.
You’ll have til 18 May to use the tickets, but check that your cinema is listed, as there are some exclusions, and some cinemas will charge you a £2 surcharge when redeeming it – check this list in “The Fine Print”.
To get it, go to Wowcher and search “Vue” to find the offer.
Cineworld: two tickets for £12.95 with Wowcher (expired)
Deal expiry: 31 March 2025 (though may be extended)
You can buy two Standard Cineworld tickets on Wowcher for £12, plus a £0.95 booking fee when booking the tickets.
You’ll have til 31 March to use the tickets, but check that your cinema is listed, as there are some exclusions. There’s an uplift fee for things like 3D screenings or IMAX. And be aware that you need to use them both at the same time.
To get it, go to Wowcher and search “Cineworld” to find the offer.
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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Gardens
RHS Wisley: free entry until the end of May for gardening related names
If you’re named after a plant, perhaps Daisy, Ivy, Hazel or Heather? Or perhaps a surname? Gardener, Farmer or Bloom, to name a few, then you can get access to RHS Wisley for free until the end of May 2026.
All you have to do is have a gardening-related name and show ID upon entry. If you have a name that’s gardening-related but in another language, they’ll accept that, too.
Here are the full rules of the promotion in relation to the names RHS deems as “gardening related” from the Terms and Conditions.
The relevant name must be part of their legal name, as a first name or surname;
The name must directly relate to gardening, plants, flowers or horticulture. This means that it is the same as or a close linguistic variant of a name or term for a plant, flower, tree, herb, vegetable, fruit, shrub, seed, bulb or other gardening or horticultural term;
Where the individual is relying on their surname with botanical or gardening meaning, the scope may be extended to horticultural origins, where the surname is directly connected to plants, plant-related occupations or natural landscapes; and
The name may relate to gardening, plants, flowers or horticulture in any language, applying the above criteria. The individual may be asked to provide a translation.
This offer is back again this year. If you buy the May 2026 edition of Gardeners’ World magazine you’ll get a card that’ll get you 2-4-1 entry to over 380 gardens in the UK and Northern Ireland.
This includes:
Leeds Castle (save £33)
Hever Castle (save up to £25)
Knepp’s Rewilded Walled Garden (save £30)
69 National Trust gardens
26 National Trust of Scotland gardens
12 English Heritage gardens
The magazine costs £9.99 and you can buy it in shops or online.
The pass is valid until March 2027 and can be used as many times as you like.
Interest paidNo - only paid for Plus and Max accounts
Fees£3.99 per month for one child
Parent account There's no bank account for parents; instead, the account is topped up using your existing bank account
CardCustomisable debit card
EducationIncludes access to Money Missions to teach kids about money
PerksParents can set chores with the app, and anyone can pay into the account with Giftlinks
Offer2 months free and £5 free pocket money available for new gohenry customers who order a card and deposit £5. Sign up using the code AFUKBC26 to get it.
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.
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.
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Plus, new Quidco customers get a high paying £18 welcome offer
Activities
Barclays: free tennis sessions for all ages
Barclays is offering free social tennis sessions each weekend across the country for all ages every weekend. The sessions are at 10am on Sunday mornings — you can find a nearby court on the website and book onto a session.
You’re not just limited to one session either, you can book every weekend if you want to.
You don’t need to have any equipment, know-how or even a partner to play with. The sessions are social, so you can meet new people to play with.
To book, you go to the website and search for a park tennis court near you with your postcode. If there’s not one near you yet, keep checking, as they’re adding new ones all the time.
Tennis for Free: free sessions for kids and adults
Tennis for Free is offering free tennis sessions at a number of locations across the UK. Sessions are usually at the weekend and last about an hour. Some are for kids aged 12 and above, while some are for all ages, and they’re more about having fun than professional coaching.
All abilities are welcome and equipment is provided for the sessions.
Once you’ve found a venue near you, you’ll need to sign up for an account and book a slot online. If there’s not one near you yet, keep checking, as there are more coming soon!
Day Out With Thomas: Let’s Rock, Let’s Roll Tour (ended)
North Yorkshire Moors Railway (NYMR) has a bank holiday flash sale from 1st – 4th May 2026. Families can save 20% when jumping onboard the Day Out With Thomas: Let’s Rock, Let’s Roll Tour.
The flash sale is live from 1st – 4th May, and the offer can be claimed by using code MAY20 at the checkout to receive a 20% discount.
Day Out With Thomas is a fun-filled family event taking place at heritage railways across the UK. Tickets include a train ride behind Thomas – a REAL steam engine – as well as access to a full day of activities including live entertainment, photo ops with Sir Topham Hatt, Thomas & Friends music corner, garden games, arts and crafts, storytelling and more.
Visitors can also hop on board the NER Autocar for an hour long scenic train ride from Pickering to Levisham and back. Bookings are not required for this, but seating is limited.
To book, you go to the website and click on “buy tickets”. This takes you to the booking page where you can enter the MAY20 promotional code.
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.
Marwell Zoo: free entry if you’re called Gary or Lemmy (ended)
To celebrate the arrival of two new camels, Marwell Zoo is offering free entry for anyone called Gary or Lemmy (the names of the camels) until 1 May 2026.
You just need to show ID at the gate, and anyone else going with you needs to pay for entry (unless they’re called Gary or Lemmy, obviously).
In September each year many buildings open their doors for free across the UK. Here are some of the main organisations, but do check locally to see if there are other places offering something similar.
Heritage Open Days (England) – September 2025 (ended)
On weekends from 12 to 21 September 2025, Heritage Open Days is offering free access to events celebrating England’s history and culture, such as tours and exhibitions. You can register for tickets until 14 August. Details here.
Open House London – September 2025 (ended)
From 13 to 21 September 2025 you can get free or discounted access to hundreds of buildings and gardens in London, many of which are normally closed to the public. Bookings opened on 20 August 2025. Details here.
Doors Open Days (Scotland) – September 2025 (ended)
In September 2025 there’s a similar open day festival in Scotland giving you access to buildings and events across the country. It runs across four weekends, depending on location. Details here.
Open Doors (Wales) – September 2025 (ended)
Throughout September 2025 you can get free entry and guided tours to more than 200 historic sites in Wales. Loads of events don’t require booking. Details here.
National Trust & English Heritage offers
English Heritage: free family pass with a newspaper
If you buy a copy of the Daily Star, Express or Mirror between May 9th and May 17th you can get free entry to an English Heritage property with your family.
A copy of the paper will cost between £1.50 and £3.60 depending on the paper and the day – with midweek papers costing the least. The English Heritage family pass is worth up to £50.
The family pass works for groups up to 2 adults and 3 children, or 1 adult and 4 children, or 2 adults. The pass is valid until Sunday, 14 June 2026.
Make sure you check the terms and conditions for exclusions and the English Heritage website for opening times.
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!
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.
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.
If you want to put money aside for your grandchildren, or your parents want to save some money for your kids, Rebecca Goodman explains what you need to know first to get the best deals.
Giving money to grandchildren, either as a lump sum or regular payments, might not be the most exciting present in the world, but it can be invaluable to them (and your children). The money can be used for just about anything – from paying for university, a first car, or even to put towards a house deposit.
There are lots of ways to save and invest for grandchildren, and how you do it will depend on when you want the child to access the money, how much you plan to give, and the tax implications. Here we discuss the options available.
We explain all you need to know.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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What is the best way to save money for grandchildren?
How you choose to save money for grandchildren will depend on your circumstances and there are lots of options available. A good way to decide is by looking at when you would like the child to be able to access the money.
If you want them to be able to use the money before they turn 18, a children’s savings account is usually your best bet. These accounts can be opened by the child (at a certain age), by a parent or guardian, or sometimes by a grandparent (although they may need parent or guardian’s approval).
You may want to wait until the child is 18 to access the money, and in this case you could use a Junior ISA – either with cash or invested in stocks and shares.
If you’re looking at a longer timeframe, you could also put the money into a child’s pension – which they won’t be able to touch until they’re much older.
You could also save the money in your own account and then gift it to a grandchild. This could be in a savings account, an ISA or an investment product, for example. You can give away up to £3,000 a year without it counting towards your estate and if you’re giving a higher amount, inheritance tax may only be applied if you don’t live for at least seven years. You can also give smaller, regular, sums away which are exempt from inheritance tax.
The easy-access option: a children’s saving account
A children’s savings account allows you to put money away for a grandchild and they will be able to access this at a certain age. Most accounts allow children to withdraw money and may provide a debit card so they can pay for things. These easy-access accounts pay a variable rate of interest and money can usually be withdrawn at any point without a penalty.
There are also regular savings accounts for children which tend to pay a higher rate of interest. Much like adult accounts, you are often limited to how much you can put in each month, and withdrawals may not be allowed during the first year.
Specific children’s savings accounts can usually be set up with a parent or guardian’s approval, and grandparents can contribute to these as long as they have the account details.
Grandparents can also open accounts in some cases for children. You may need the parent or guardian’s approval to open an account for a child but this depends on the account and the provider. Some accounts can be opened without parental approval, but proof of the child’s ID, such as a photo of their passport, is usually required.
Interest paidNo - only paid for Plus and Max accounts
Fees£3.99 per month for one child
Parent account There's no bank account for parents; instead, the account is topped up using your existing bank account
CardCustomisable debit card
EducationIncludes access to Money Missions to teach kids about money
PerksParents can set chores with the app, and anyone can pay into the account with Giftlinks
Offer2 months free and £5 free pocket money available for new gohenry customers who order a card and deposit £5. Sign up using the code AFUKBC26 to get it.
What is the best savings account for a grandchild?
The best savings account for a grandchild will be one that pays a decent amount of interest, allows you to put away the amount you want to, and one which suits yours (and the grandchild’s) needs when it comes to access.
Some of the best children’s savings accounts, based on the amount of interest paid, which can be opened by a grandparent include the following (you may need permission from the parent to do this):
Kent Reliance Demelza children’s savings account (4.18% AER variable)
Min £10 / max £25,000
Under 18 years old only
Open it in branch or via post
The Family BS Junior Saver (2) (3.35% AER variable on up to £3,000 saved, 3.6% on £3,000 to £25,000)
Min £1
Under 17 years old only
Open it in branch or via post
Yorkshire BS Children’s Saver (3.55% AER variable on up to £100,000 saved)
Min £1
Under 17 years old only
Open it in branch or via post
Halifax Kids’ Saver (2.25% AER variable on up to £5,000 saved, 0.75% on £5,000+)
Min £1
Under 15 years old only
Open in a branch or online
Some of the best easy-access children’s savings accounts (which grandparents can pay into but may need to be opened by a parent or guardian) include:
Nationwide FlexOne Saver (5% AER variable on up to £5,000 saved)
For 11-17-year-olds
Requires a FlexOne current account
Can get a Visa debit or a cash card
HSBC MySavings (4% AER variable on up to £3,000 saved / 1.2% above this)
Min £10
Ages 7 to 17
Debit card from 11
Can be opened online if parent/guardian has HSBC account, otherwise in branch only
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And here are some of the best regular savings accounts for children:
Halifax Kids’ Monthly Saver (5.5% AER fixed for one year on up to £100 saved monthly)
Min £10
Under 15 year olds only
Withdrawals not allowed (but account can be closed early without a penalty)
Can be opened online or in a branch
Principality BS 3 Year Children’s Regular Saver (4% AER fixed for three years on up to £100 saved monthly)
Min £1
Under 15 year olds only
Withdrawals not allowed (but account can be closed early without a penalty)
Can be opened in a branch or by post
Saffron BS Children’s Regular Saver (Issue 2) (3.95% AER variable on up to £100 saved monthly)
Min £1
Under 17 year olds only
Withdrawals allowed
Can be opened in a branch or by post
What is the best ISA for grandchildren?
There are also a range of cash Junior ISAs for children, which come with additional tax benefits. Junior ISAs can only be opened by a parent or guardian, but a grandparent can pay money into one.
Up to £9,000 can be put into a Junior ISA every tax year and any interest you earn is tax free. The money can’t be accessed until the child turns 18, so they’re a nice way to build up a little nest egg.
You can also choose an investment ISA for a grandchild, with a stocks and shares Junior ISA. These work in the same way as a cash Junior ISA but as you’re investing your money, the returns are likely to be a lot higher but you also take on the risk of the stock market and returns are never guaranteed.
As investing is designed for the long term, a stocks and shares Junior ISA could be a good option, as you may have an 18-year period where the money could potentially rise. Here are some of the best accounts available right now.
You need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
Annual fee
£11.99 per month (Investor plan)
Investment styles
DIY or ready-made
Minimum deposit
£25 per month
FSCS Protected?Yes
Transfer in existing ISA?Yes
Interest on uninvested cash1.51%
Trading fee£3.99
Foreign exchange fee1.50%
Fund feesIf you invest in funds, you'll have to pay fund fees between 0.03% and 1.5%
Note on feesYou need to have the Investor plan to open a Junior ISA, but this covers as many Junior ISAs as you need, so you can have as many open as you have children.
Fund feesWhen you invest in funds you'll also have to pay fund fees between 0.06% and 0.79%
AJ Bell Junior Stocks & Shares ISA
Customer rating4.3/5
Annual fee
0.25%
Investment styles
DIY or pre-built
Minimum deposit
£25 per month or £250
FSCS Protected?Yes
Transfer in existing ISA?Yes
Interest on uninvested cash1.75% on all cash balances
Trading feeShares - £5 (£3.50 if you had 10 or more share deals in the previous month)
Foreign exchange fee0.75%
Fund feesIf you invest in funds, you'll have to pay fund fees starting from
0.03%, depending on the funds you choose
Authorised and regulated by the Financial Conduct AuthorityYes: FRN 155593
The long-term option: Junior pensions
If you’re looking for a very long-term savings plan for a grandchild, you could open a pension for them. While it may sound like a long way off, there is currently a big gap between the amount many people have saved, and the sums they require for a decent standard of living when they retire. So, if you would like to build up a little nest egg for a grandchild to supplement or replace their income when they stop working, a pension is one option.
A Junior Self-Invested Personal Pension (or Junior SIPP) can be opened by a parent or guardian for a child as soon as they are born and grandparents can contribute.
It is usually managed by the parent or guardian, until the child turns 18.
The annual allowance for the 2025/2026 tax year is £3,600. Thanks to the tax benefits of a pension, this means £2,800 can be put into the account this tax year and this will be topped up by the government by 20%.
The money can’t be accessed until the child reaches pension age – which is currently 55 but will rise to 57 in 2028.
Money within a pension is invested, so the longer the money is in the pot, the longer it has time to grow. This means putting money into a pension regularly, even a small amount, could potentially see the entire pot grow substantially.
However, as it is an investment, it’s worth remembering that the amount could rise or fall and there are no guarantees.
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What are the advantages of a Junior SIPP
Paying into a grandchild’s pension allows you to build up a retirement pot for them which they can use when they retire, but there are other benefits too:
Tax breaks: Money paid into a Junior SIPP is free from both income tax and capital gains tax
Pensions tax relief: The government adds 20% onto anything that goes into a Junior SIPP
Lower Inheritance Tax (IHT) to pay: You could lower your IHT bill by paying money into a grandchild’s Junior SIPP (although the rules around this are set to change from 6 April 2027).
The lucky option: Premium Bonds
Premium Bonds are loved as not only are they a very safe place to save money because they’re government backed, there’s also the chance of winning the lottery each month.
While Premium Bonds don’t pay any interest, every £1 bond you buy is automatically entered in the monthly prize draw, where you could win between £25 and £1million.
The child’s parent or grandparent must open a Premium Bond account for them, and control this until they turn 16. They must also give you the details of the child’s account. You can then buy bonds for them and each child can hold up to £50,000 in their account.
The tax-efficient option: bare trusts
A bare trust can be set up so any money within an account legally belongs to the child. This can be set up by a grandparent although they will need to show the child’s ID.
The grandparent then acts as a trustee of the account and manages it until the child turns 18 (or 16 in Scotland).
A major benefit of using a bare trust is that any interest earned on the money within one is seen as the child’s income, so there could be no tax to pay. Gifts put into a bare trust are known as Potentially Exempt Transfers (PETs) and no inheritance tax is due on these as long as the person who gifted the money lives for at least seven years after it’s paid.
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FAQs
How do I invest for my grandchildren?
One of the best ways of investing for a grandchild is to put money into a Junior ISA, where the child can take control of the account at the age of 16 and access the funds within it by the age of 18.
If you are looking to invest over the very long term, a children’s pension is another option that has significant tax benefits.
You could also invest in your own name, and gift the money to a grandchild at a later stage, although inheritance tax may apply in some situations.
Can I open a savings account for my grandchild without a birth certificate?
You may be able to open a savings account for your grandchild without a birth certificate, but you will usually need to show a different form of ID instead. This could be a passport, for example. You may also need permission from the child’s parent or guardian to open the account.
Do I need the parent’s permission to open an account for my grandchild?
Some savings accounts can be opened by grandparents without a parent or guardian’s permission. These are usually opened in trust but you will need to show some form of ID for the child to open the account.
What tax does a grandparent have to pay?
If a grandparent opens a savings account for a child, usually as a trustee, the money within the account is seen as the child’s and any interest earned will count towards the child’s income. But if the savings account is in the grandparent’s name, the interest earned will count as the adult’s and any tax due will be calculated based on their income.
Can I open an investment account for my grandchild?
You may be able to open an investment account for a grandchild but this depends on the account and the provider. A Junior ISA or a Junior SIPP, for example, can only be opened by a parent or guardian but a bare trust account can be opened by anyone.
Tax benefits of investing for your grandkids
Investing for your grandchildren comes with many tax benefits. If you’re investing through a Junior ISA, for example, there is no income tax or capital gains tax to pay on the interest. If it’s a Junior SIPP you can benefit from tax breaks and the government will top up contributions by 20%, up to the annual limit, and with a bare trust the account is usually taxed as if it is the child’s so may be tax free.
Save on your home essentials from furniture to paint
If you fancy spending the weekend putting up shelves or sorting out the garden, here are the best home, garden and DIY sales and offers.
Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.
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Here’s what’s currently on offer.
Current deals
The Range: 50% of summer garden goodies
The Range is offering half price deals on enough gear to get your garden fully equipped for the summer.
The specially selected best sellers included in the deal are:
Inflatable Double Pool with Slide – was £49.99; now £24.99
Sensei Wireless Garden Speaker – was £21.99; now £9.99
Ceramic Egg Oven – was £159.99; now £79.99
Bromley Dining Table and Chair Set – was £299.99; now £149.99
Camping Cart – was £39.99; now £24.99
Goods are available for click and collect as well as delivery as part of its wider spring sale.
Until 17 June 2026, if you’re not currently receiving Argos marketing emails and you sign up for them, you’ll get an email with a unique code that’ll get you £5 off a £40 spend.
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Expired deals
Decathalon: return used tent for gift card refund (ended)
As part of its ‘No Tent Left Behind’ campaign Decathlon is letting customers buy tents, use them for a few months, and return eligible them for a refund on a gift card.
It says some 250,000 tents are left at festivals each year, which mostly go into landfill. And in a bid to reduce waste it’s promising to accept the return of its M100 range of tents bought between 9 June and 14 September 2025.
It encourages customers to enjoy the tent at their summer festivals but for it to accept a return, the tent mustn’t be damaged, stained, torn, contaminated, altered or in poor condition.
You must bring the tent back to a store, with proof of purchase, by 14 September 2025, to be eligible for the offer.
If you have the Hobbycraft loyalty app then you can get £5 off a £15 spend until the end of October. You’ll find the voucher in your app or if you’re shopping online, you can use the code HC515 to get the discount.
It can’t be used to sign up for workshops or subscriptions or to buy gift cards
Ikea: £15 off £50 spend and free breakfast (ended)
Wear your pyjamas to Ikea this Saturday 7 September and you’ll get a £15 off voucher to be used against a £50 spend and a free breakfast. There are also other activities running, but they’re store-dependent.
The breakfast available includes one of: a small cooked breakfast, a small vegetarian breakfast, a children’s breakfast, a breakfast bacon roll, a breakfast sausage roll or a breakfast vegetarian roll. You can’t get the cooked breakfasts at the Hammersmith store.
You can only get the breakfast between 9:30am and 11am on 7 September 2024 and you’ll need one of the vouchers that will be distributed at the store on the day and an Ikea Family Card, which is free to sign up for.
Save money without sacrificing the protection you give your skin.
Is a branded suncreen any better than a supermarket’s own version? And what should you be thinking about other than the SPF number?
I’ve taken a look at how to make sure you’re not overspending but still getting the right protection.
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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What makes a decent sun cream?
SPF and UVB rays
When you’re going to buy suncream there’s probably only one number you really pay attention to. The big one on the front – the SPF number. Sun Protection Factor.
This ranges from around four or five all the way through to fifty plus. The number which medical groups recommend is at least thirty.
What the SPF number specifically shows is the protection you get against Ultraviolet B rays – or UVB. These are the rays that generally will burn your skin.
Basically the higher the number is, the greater the protection, the longer the protection you’re going to get from these rays.
“Star ratings” and UVA rays
There’s actually more than one type of UV ray coming from the sun. What you should also be looking for when you’re buying your suncream is protection against UVA – Ultraviolet A – rays.
This is the stuff that’s meant to premature age you, the stuff that causes you to get those lines caused by the sun. It will hopefully say both UVA and UVB on the packet.
But how do you know how good that protection is? Because SPF isn’t anything to do with the UVA. Instead, you look for some stars. Bigger packs hopefully have it on the front, though it might be on the back of smaller ones.
You should be looking for at least four stars. That’s going to give you the protection that you need.
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Is more expensive suncream better?
Now if you’ve got at least factor 30 on the UVB and then you’ve got at least four stars on the UVA then all the sun creams are pretty much the same. At least they’re doing the same thing anyway in terms of protecting you from the sun’s rays.
So whether you’re going into Aldi or Boots and you’re spending a couple of quid or whether you’re spending more than ten quid by getting some posh brands, they’re not really doing anything different.
The best buys were from Boots, Nivea, Sainsbury’s and Superdrug, all relatively affordable. Worryingly, some of the brands didn’t offer the protection promised – and were marked “don’t buy”. These were Asda, Morrisons and one type of Ultrasun.
Broadly, the only real difference they found between the ones that did pass the tests is that some of the cheaper ones can feel a bit greasy when you apply them to your skin. Or they smell not fantastic when you apply them, so you might want to try some different ones and pay a bit more money.
So just because it’s a brand it’s not necessarily any better than an own brand from one of the chemists or supermarkets.
One extra thing to think about when you’re buying your sun cream is the size of the bottle. In terms of getting value for money the bigger bottles will often work out cheaper per unit, usually per ml, So you’d think the bigger the bottle the better the deal.
But that’s not necessarily the case. On the back of most of your sun creams, you’ll see a little drawing of a pot. You see it on lots of cosmetics as well. This little round pot with an open lid and in there it will give a little number. If it says “12m” it stands for twelve months. Most sun creams are meant to last between 12 and 18 months.
Time actually reduces how strong the cream is. The bottle might say thirty on the front but if it’s two or three years old it won’t be delivering that kind of protection.
And it’s worth bearing in mind that if you leave your suncream out in the sun then that’s going to make it last a shorter amount of time as well.
So will you actually use the cream up in that time? Or will you, like I have in the past, have half-used bottles sitting at the back of the cupboard until the next year?
Big families, or people spending a lot of time in the sun, are probably better off buying big bottles at the start of each summer, and then buying smaller ones as the summer ends. And people who aren’t out in the sun much might be better off just buying smaller packs. Of course, it’s important to apply the right amount – so don’t scrimp.
Find a free business bank account for your business type
A business bank account is a separate bank account from your personal one that you maintain just for your business. These accounts are more tailored to business banking, so you can integrate accounting tools, make invoices and categorise your expenses. Some accounts are limited to certain types of businesses, so you’ll need to check that your business is eligible to have an account with your chosen bank.
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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Featured business banking account
Sponsored
WorldFirst World Account
Customer rating4.9/5
Monthly fee
£0
Currencies available
Send 100+ currencies to 210+ countries and regions, receive 20+ currencies
Payment fees
£0.30 - £4.00
FSCS Protected?No
ReceiveCollect global revenue in 20+ currencies
Integration with marketplacesConnect with 130+ marketplaces and payment gateways, including Amazon, Shopee, Shopify and PayPal
PayMake same-day or next-day payments in major currencies or or pay suppliers, employees and taxes locally and internationally in the UK, US, Europe, China and more
Fx ratesConvert currencies at a 0.3% exclusive rate (new customers). Receive live rate alerts instantly via email or text
Team accessControl team permissions and roles
FeesNo account opening or ongoing account fees, no fees to collect funds. Payments cost £0.30 to £4, depending on the currency
TransfersTransfers cost 20p per transfer after a 12 month promotional period
Integration with accounting toolsConnect your own accounting software or export transactions to share with your accountant for free
Invoicing toolsYes - send 3 per month free
Offer detailsGet £100 in cash when you open a Tide Business Account and spend £1,000 within 60 days of account opening. Use the code BCA100 when you sign up.
Eligible businessesRegistered limited companies or sole traders
Integration with accounting toolsFully integrated accounting tools
Invoicing toolsYes
Eligible businessesSole traders or registered limited companies
Fee detailsAfter the 3 month free trial, you'll pay a monthly fee depending on how much you deposit each month. Deposits up to £750: £3 per month; Deposits up to £7,500: £9 per month; Deposits over £7,500: £18 per month
Amaiz Business Bank Account
Customer rating4.3/5
Monthly fee
£0
Cash deposit fee
Not available
Fee for transfers in/out
Free (FPS transactions)
AccessOnline or via app
FSCS Protected?No
Cash withdrawalsUnlimited free withdrawals
Integration with accounting toolsNo
Invoicing toolsYes
Eligible businessesFor companies of all sizes and risk categories
Do you need a business bank account?
If you’re a sole trader or just earning extra via a side hustle then you don’t need to have a specialist business bank account. You can make do with a standard (and free) personal account.
You don’t have to use the same one you bank with day-to-day. It’s generally best to separate your business money from your personal cash, so it’s best to open a new account — it’s up to you whether you stick with the same bank you use for your personal banking or try a different one. Keeping them separate will be useful when it comes to doing your tax return and working out which purchases were business-related.
But, if you are part of a Limited Company then you’ll have to have a specific business account.
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What to look out for when searching for a business bank account
When choosing a business bank account there will be a few differences from regular bank accounts that you’ll want to consider.
Fees
You’ll be more likely to come across fees with these bank accounts. We’ve shown the free accounts above, although this refers to whether there’s a monthly fee. The other fees you might come across include:
Initial set-up fee
Cash deposit fees
Cash withdrawal fees
Transaction fees
Fees for payments in
Fees for transfers out
It’s important to consider what your business is likely going to need. For example, if you take a lot of cash payments, you might be more interested in getting free cash deposits, while a company that doesn’t handle cash much wouldn’t be bothered about cash deposits.
Eligibility
Some accounts aren’t available for all businesses. If you have a Limited Liability Partnership, for example, you’ll have fewer choices when it comes to business bank accounts. Check out “eligible companies” in further details above for an overview. You’ll also want to double-check with the bank directly. Generally speaking, sole traders and limited companies should be eligible for all of the accounts above, although there are often excluded business types.
Cash deposits
Many of the business bank accounts listed above are digital banks, which means there isn’t a high street branch for you to deposit cash into your account, however, most of them will let you deposit cash at the Post Office or using PayPoint. Some have associations with high-street banks — for example, Mettle is owned by NatWest so you can pay in cash at NatWest branches.
Integration
A lot of business bank accounts offer integration with accounting software like Xero or Quickbooks. Or, they’ll offer the option to export your transactions to give your accountant or upload them into your chosen software. If you don’t have accounting software, you probably wouldn’t need this, although it may be useful in the future.
Some business bank accounts come with a free trial of accounting software. While this is worthwhile if you think you’ll need accounting software, remember to cancel it if you don’t think it’s something you’ll need.
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Customer rating
4/5
