Cancel Sky and Virgin TV subscriptions and save hundreds

If you’re still paying for premium pay-TV via satellite or cable you’re paying too much.

Switching away from Sky TV, Virgin Media or EE TV to streaming alternatives can save you £100s of pounds – and you can still keep the exact same channels.

You’ll also get the added flexibility of choosing what you want to pay for and when. And you can even keep recording most channels if you want.

In this article I’ve shared why you shouldn’t be worried about ditching Sky, and how to watch the alternatives (such as NOW TV) on your TV.

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How much Sky TV costs

Sky TV isn’t cheap. From 1 April 2026 Sky Ultimate package costs £24 a month for new customers and could go up to a massive £55 a month if you add in Sports and Cinema, coming in at £660 a year. This is on a 24-month contract, where prices will likely go up each April.

You might even be paying another £35 a month if you add on things like Kids channels, UHD viewing and multiroom. That’s potentially £90 a month and £1,080 a year.

But that’s for newbies… existing customers paying full price will see a huge increase. Ultimate, Cinema and Sports will add up to £87 a month (£1,044 a year), and with the extras like HD and skipping ads it’s £122 a month (£1,464 a year).

The Sky Essentials plan would save some money each month, though you’d only get Sky Atlantic, Netflix and Discovery+, losing all the other Sky-only channels.

I’ve also not included broadband costs here as you can easily shop around for deals elsewhere – there’s no need to get it direct from Sky or Virgin.

Initial price per monthFull price per month
Basic package
Sky Essential (inc Netflix w/ Ads)£15*£21
Sky Ultimate (inc Netflix w/ Ads, Disney+ w/ Ads, HBO Max w/ Ads & Hayu)£24*£37**
Add-ons
Sky Sports£20*£33
Sky Cinema (incl Paramount+ w/ Ads)£11*£17
Sky Kids£8£8
Sky UD Ultra£6£6
Sky Whole Home (1 device)£15£15
Skip ads£6£6
*initial 24 month contract price, otherwise 31 day rolling contract ** estimated price from 1 April

Sky Ultimate now comes with included streaming services

The big change from March 2026 is the addition of HBO Max and Disney+ to the Sky Ultimate package, with Hayu arriving in July.

Here’s what these extras would cost if you bought them separately (which of course you can do at any time). Like with the included Netflix, the HBO and Disney subscriptions are the basic ones which include adverts and other restrictions. You can pay the price difference to upgrade any or all of these if you wish.

SubscriptionIncluded tier valueStandard costPremium cost
HBO Max£4.99£9.99 (£5 to upgrade)£14.99 (£10 to upgrade)
Disney+£5.99£9.99 (so £4 to upgrade)£14.99 (£9 to upgrade)
Hayu£5.99N/AN/A
Netflix£5.99£12.99 (so £7 to upgrade)£18.99 (so £13 to upgrade)

The three new services add up to £16.97 of value, so with Netflix Basic the total streaming part of the package is £22.96 a month. That means you’re paying only £1.04 for all the Sky channels at the introduction price, though it jumps up to £14.04 for those out of contract.

Is Sky worth the cost?

To accommodate the new streaming passes, prices have gone up by only £2 so at first sight, Sky could actually be really good value for money. But is it?

If you’ve just let your bill roll over to full price, and add on some or all of the extras, then it’s a huge amount to pay each month. And as I’ve shared below, it’s possible to get the same or similar for less.

But hopefully you’re not paying full price. £24 for all those channels and subscriptions as a new customer isn’t bad at all. And since Sky and Virgin are notoriously easy to haggle with and freebies are often thrown in – especially if you bundle your TV packages with your broadband and even your mobile phone, you will hopefully be paying something similar.

But the big question is, do you actually want or need all the channels and those four streaming services? And if you do, would you actually want them for the minimum 24 month contract you’re entering into for the lower price?

And what about other streamers, such as Prime Video and Apple TV, or the upgrades to get rid of ads on the included ones? You’ll need to pay extra for these on top, pushing your bill up.

If the answer is you’re happy to have less to watch at any one time, rotating through the streamers as and when, then you absolutely can pay less over the year by ditching the long pay TV contracts. I think you could be saving between at least £200 and £430 a year, more if you’re paying Sky’s full price.

Cancelling Sky TV

Make sure you are out of contract. It could be that you have different dates for TV and other bundled packages such as broadband or phones. If so, make sure you know what the effect of cancelling your TV could have on the price of those services.

If you have any time left to run you’ll be charged an early exit fee, which will pretty much be all the money you owe until that contract is due to end. 

If you’re not out of contract for a while, make a note in your diary a month before it’s due to end to start the cancellation process in motion.

When you’re ready to cancel, you can phone Sky or use a live chat function. To leave Sky TV you need to give 31 days notice, so you’ll still pay for a month (and receive the channels) in that time.

When the service ends you’ll need to return your Sky Q or Sky Stream equipment – so you won’t be able to keep using them for other services.

How to watch free channels (including BBC, C4 & more)

The most watched TV channels are BBC, ITV and Channel 4. These are all available via Freeview. For free. And there are plenty more, including U&Dave, Dmax, Really, Food Network, HGTV, Quest and Yesterday.

Importantly you don’t need Sky to watch these. Most can get these by connecting their TV to an external aerial. If you don’t have one you can try indoor aerials which might work. Or, something called Freesat will connect to your satellite dish. You may need a separate box to connect.

And you can of course catch them live or on catch up via streaming apps on your TV such as BBC iPlayer, Channel4+, ITVx, Freeview Play and so on.

For a more traditional programme guide (EPG) experience when live viewing these channels, check out the live tab on devices like Amazon’s Fire TV (you’ll still actually watch in each broadcasters’ own app).

If you’re happy to focus mainly on these channels then you’re saving a grand a year, if not more.

How to record without Sky or Virgin

The downside with moving away from traditional Sky or Virgin is you lose your recording box.

If that’s essential to your viewing, you can buy a Freeview or Freesat box to record Freeview channels. This can cost between £165 (like the Manhattan T4-R) and £250. Sounds like a lot, but if that was to last you for four years (which it really should, if not longer), that £165 costs you £41 a year. Even when you factor that in, you’re still saving money versus Sky or Virgin.

Though I’d challenge you whether you actually need this feature. If you already watch most things on catch-up you can probably do without a box.

Even if you really hate adverts on the likes of Channel 4 or ITV, you can pay £3.99 and £5.99 a month respectively for their ad-free streaming services. Do this as and when there’s something you want to watch (rather than every month), it’ll be cheaper than buying a new box.

How to watch major Sky channels elsewhere

There are actually only a handful of channels not available to watch via Freeview. These are mainly the Sky channels (eg One, Atlantic, Comedy, Witness etc) and a few others such as U&Gold, Discovery and Nat Geo. But even these can be watched without Sky or Virgin and at a far lower price.

NOW (formally NOW TV) is the main player here. It’s actually owned by Sky and allows you to watch most of the above channels and more via your broadband connection. There are also options for Sky Cinema, Sports and Hayu (reality). I’ve written in more detail about NOW TV in my review here.

The main differences to Sky’s packages are Entertainment includes Kids and HBO Max (TV only, not movies), but not Netflix, Disney or Hayu. Meanwhile Cinema does not have Paramount+ nor the two free Vue tickets you get direct from Sky. It does however have the HBO Max movies.

You also have a single add-on bundle with NOW to cover advert skipping, better quality picture and sound and multi-room, rather than separate additions with Sky.

The great thing is you’ll be paying on a monthly basis rather than on a long contract so you can ditch it at anytime, though new introductory offers now require a 12-month minimum term.

Personally I prefer to pay full price for the first month, and then bring the prices down even more by going through the cancellation process each month. Doing this usually results in a lower price offered, often without a minimum term.

Full price per monthTypical new customer offerTypical cancellation offer
Entertainment (incl HBO Max)£9.99£4.99*£2.99-£4.99
Sports£34.99£26*£18-£25
Cinema£9.99£2.99-£4.99
Hayu£5.99
Add on
Boost (HD, no ads and 2 x streams)£6£2
Boost Ultra (4k, no ads and 4 x streams)£9£6
* 12 months contract

Sky vs DIY package: price difference

If you’re looking at Sky Ultimate vs NOW, price wise, it’s most fair to compare exact like for like.

If you got Entertainment, Sports, Cinema and Boost a full price from NOW it’d add up to £59.97. Along with separate subs for Netflix with Adverts, Disney+ with Adverts, Hayu, Paramount+ with Adverts and Discovery+, you’d pay another £24.94. That’s a total of £86.92 a month, or £1,043.

Full price for these via Sky – so Ultimate (with Netflix, Disney, Hayu, HBO Max and Discovery+), Sports, Cinema (with Paramount+), Kids, Multi-room, Ad skipping and Ultra HD – would total £1,464 a year. So that’s £421 more expensive.

A reduced Sky price, based on new customers, for the same package, adds up to £1,080 a year. So you may be able to haggle something similar.

However, there are three key differences. One, it’s possible to get lower NOW and prices, so the difference will be bigger. There are also plenty of deals throughout the year for the other streaming services, with the exception of Netflix.

Next, you don’t need and probably don’t want all the extras all the time. By paying for just one or two of these at any time, you’re looking at £20 a month at most (unless you add Sports). That’s £240 a year, if not less! A huge saving.

Finally Sky will lock you in to two years, and prices are likely to increase during that time which you’ll have to pay. Since most NOW and streaming prices are 31-day contacts, you can ditch them when you don’t want or can’t afford them.

How to watch other channels from Sky

The other major mainstream channels you might want to keep that aren’t on Freeview or NOW TV are probably Discovery and TLC. Both are available from Discovery+ (£3.99 a month) or as an Amazon channel (you’ll also need Prime).

TNT Sport is also available as a monthly pass at £30.99 a month. That might be more than what you pay for the channels elsewhere, but combining it with the other savings should bring the overall cost down.

Indian channels such as are also available to stream, with Zee TV costing £7.99 a month and Hotstar (including UtSav) at £5.99.

When Sky or Virgin might be better value

There are a few exceptions though when paying for TV via Sky or Virgin could work out either better value or just a better user experience.

If you watch a lot of sport

Though occasional viewers can get a day pass for Sky Sports on NOW TV, the month pass comes in at £34.99. There are often deals that bring the price down to around £25 for a month, sometimes £20.

But if you know you are going to want and watch the main sports channels every week AND you want tojust Sky Atlantic and Netflix with Adverts via the Sky Essentials package, you might be better off with Sky or Virgin.

The cost for Sky Essentials (£15 a month as a new customer) and Sports (£20 as a new customer) would add up to £35 a month.

However, don’t forget you are tied into a long contract.

If you don’t have great broadband

On-demand streaming does require decent broadband, so you will probably want to look at upgrading to fibre if you don’t already have it. If that’s not possible – especially in rural areas – then you might need to stick with Sky (not Sky Stream) or Virgin Media for your TV.

Should you ditch the TV Licence?

With so much quality TV now online from the likes of Netflix and Disney, I’ve taken a look into whether paying for the BBC represents good value for money.

It’s been announced that in April 2025, the TV Licence is increasing by £5 a year, with the annual cost set to be £174.50.

This is the first inflation linked increase in three years, and that’ll continue until 2027. However, it won’t reverse years of underfunding thanks to zero or below inflation hikes, which led to budget cuts – and many would argue a lowering of quality in BBC output.

For some, this latest increase means they’ll advocate for people to cancel their TV Licence now rather than pay more. I’ve shared in this article who needs to have one and who doesn’t.

However for me, the big question isn’t how to ditch the licence fee, but should you?

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Who needs a TV Licence

Here’s when you need a TV Licence:

  • If you watch any live TV
  • If you record any TV
  • If you watch BBC TV on iPlayer, no matter the device (eg on your phone, games console, TV etc)

Despite more and more of us using streaming services, this is still pretty much most TV viewing.

So realistically the only way you’re eligible to avoid the licence fee is if you only watch online streaming or catch up services (not including iPlayer), and if you never watch or record broadcast TV.

Now if that’s the case, then you don’t have to pay, and I’ve shared further down how you can cancel your TV Licence.

Over 75s

A rule change a few years ago meant not all over 75s get a free TV Licence. However, many will still be able to claim one as long as they already receive pension credit. Here’s more information on the TV Licensing website.

Before we start

Everyone has an opinion about the BBC, especially the news output which those on the right say is too left wing and those on the left say is too right wing. We’re going to put that aside for this analysis and focus just on what you get for the money you pay.

I also want to put my cards on the table here at the start. When I was five or six, I declared that I wanted to work for the BBC when I was older. And I did. From 22 to 33 years old I worked all over the Beeb, before leaving to start up Be Clever With Your Cash. So it’s important to me.

Though it’s certainly not perfect (what large organisation is?). I do believe we’re better off as a country with the BBC than without. And that will obviously inform on my analysis below.

But it’s more than a decade since I left the broadcaster, and so much has changed in that time – not just at the BBC, but also how we consume our media – which goes for me too.

And the cost of living crisis has made every penny we spend so much more important, making value for money as a licence fee payer something that really does need interrogating.

What I watch

So do I get value from BBC TV? Over the last few years my TV viewing has changed drastically. Many of my favourite dramas and comedies can be found on Netflix, Sky Atlantic and Disney+.

Yet I do still watch plenty of excellent normal TV, mainly BBC and Channel 4 (you need a TV Licence to watch or record any live TV). In fact some of the best shows I’ve watched over the last year have been on these channels.

Happy Valley, Ghosts, Traitors, Race Across the World, Match of the Day, Wimbledon, Ludwig and Outlaws (all BBC), through to It’s a Sin, The Great British Bake Off and The Handmaid’s Tale (all C4). And there are plenty of great older shows available on-demand too, such as classic Attenborough, Motherland, His Dark Materials, Peaky Blinders, The IT Crowd and The Bridge.

And I’m not alone. Most TV viewing is of a free to watch channel, whether that’s via Freeview or Sky. And the most-watched shows every year are on the BBC, ITV and Channel 4. Even big import TV shows like Game of Thrones or Stranger Things haven’t come close.

Still, £175 every year is a lot of money. And there are some cheaper alternatives with very good programmes.

How the TV Licence cost compares to other media services

If you pay for the TV Licence monthly at the new price it’ll work out as £14.54 a month.

It’s far cheaper than paying for TV via Sky or Virgin, where you’re looking at at least double that amount every month, and potentially as much as £100.

Elsewhere we’ve seen a number of streaming services hike prices, closing the gap to the licence fee.

Sky’s “on-demand” service NOW is £9.99 a month for the Entertainment channels (not movies or sport), or £119.88 a year – though there are deals to get this even cheaper, often half the price. But if you want HD and to ditch adverts you’ll pay another £6 to £9 each month.

Amazon Prime now comes in at £95 for the year, which is £7.92 a month (and streaming only is available at £5.99 a month) – though you’ll need to pay extra if you don’t want adverts.

After clamping down on sharing, Netflix starts at £5.99 a month (with adverts), but the most popular package is £12.99 a month, working out at £15588 a year. You can pay more, at £18.99 a month for the top tier

Disney revamped prices in October 2024, so you’ll pay either £4.99, £8.99 or £12.99 a month, while Apple TV+ also increased monthly costs (again) to £8.99 a month.

And there are others like Paramount+ (£4.99 with ads, £7.99 or £10.99 a month without adverts), while you can pay for extra content and no adverts via ITVx (£5.99 a month).

So on the whole, though there are more and more of these streaming services, and they all keep getting more expensive, they can be cheaper alternatives (if you get them on their own, or cut the price you pay via offers or go for the basic versions with adverts).

That’s a persuasive argument for ditching the Licence Fee as far as cost goes. However, I believe that as long as you can afford it, you get more for your money from the BBC than the premium services.

What the Licence Fee pays for

The thing people ranting against the TV Licence tend to forget is the money doesn’t just pay for BBC TV drama, documentaries and comedy. It also funds BBC news, sport, CBBC, radio and online.

And it’s these areas which I think make that £14.54 suddenly feel like really good value. So I’ve broken down this price between all the things it pays for and calculated below what I think is a fair representative value for each BBC service.

These figures are just for me – you will have your own views on what you use and don’t use.

BBC TV & iPlayer

My price: £7 a month / £84 a year

So imagine the drama, comedy, entertainment and factual part of the fee was the same price as the other streaming services at £10. Oh and iPlayer.

No matter what you might instinctively think if you just turn the TV on and watch something live, I think if you really looked at what’s on, you’d find plenty of quality new and old content to keep you going throughout the year. We’ve actually got a long list of shows we want to watch and not got around to, and add at least a couple every month.

But let’s say it’s £7, representing half of the money you pay. That’s even cheaper than most of the other options (and no adverts). I think many people would think that’s pretty fair for what you get.

And don’t forget this includes funding the production of BBC programmes you might actually end up watching on a service like Netflix! Without the licence fee they wouldn’t be made in the first place.

BBC Radio & BBC Sounds

My price: £3.50 a month / £42 a year

I’ve got a cool digital radio for the shower. There are four presets, and we’ve got BBC 5Live, BBC 6 Music, Heart 80s and Absolute 90s saved. My god, I hate the adverts on the latter two, making BBC radio essential.

And during the first lockdown in particular I was mainlining 5Live – a fantastic example of national broadcasting when we needed it most.

BBC podcasts are no longer just radio shows put online. Many are commissioned just for BBC Sounds, including the excellent documentary Vishal (produced by my friend Satiyesh) and music shows. Plus it’s a great way to catch up on radio you might have missed.

I do listen to a lot of Spotify, and there are some great podcasts out there (have you listened to our Cash Chats show yet?). So it is possible to get good quality music and speech content (though you need to pay to avoid constant adverts).

However, given the choice between paying for Spotify (at £11.99 a month) and paying for BBC Radio, I’d pick BBC Radio. And at an equivalent price of £3.50 a month I think that’s a bargain.

BBC Sport

My price: £2 a month / £24 a year

If you had to pay £2 a month, that’s just £24 a year, to get Wimbledon, Match of the Day, 6 Nations and smaller sports like snooker, athletics and so on, plus every few years the World Cup, the Olympics and Commonwealth games, I think most people would think it’s fantastic value – especially when compared to the £14.99 cost to watch Sky Sports for one day on NOW TV.

BBC News

My price £1 a month / £12 a year

This is certainly an area where my view on value for money has changed (though a lot of that is down to budget cuts enforced by the government through frozen or below inflation increases to the licence fee).

I’ll now go to the Guardian first for my news updates, rather than the BBC News website, and even listen to podcasts like the News Agents over Newscast.

However, BBC News is the first place I’ll go for breaking news. And if you’ve ever watched news in the USA, you’ll appreciate not only just how good BBC News is, but how it makes sure the other news networks raise their standards.

I’d say it’s well worth paying £1 a month for this – that’s just 3.3p a day.

CBeebies and CBBC

My price: 75p a month / £9 a year

Let’s say it costs 75p a month (£9 a year) to have these channels – and I don’t even have kids! If you do you probably would say it’s worth paying more to get this essential content.

I grew up watching shows like Going Live, Blue Peter and so on. And more recently my niece and nephew loved programmes like Justin’s House and Operation Ouch.

And during the pandemic the BBC really raised the bar in shows to help with homeschooling.

Yes, you can get other kids shows via Sky but these are largely cheap overseas imports and I don’t think they have the same education and quality you get from the BBC.

BBC Online

My price: 0p a month

In previous years, I’d allocate 50p a month for this, as it was the place I’d go to check the weather, the news, the football scores and more? Now I hardly visit it other than to play Sounds or iPlayer, which I’ve covered in other sections. So lets treat it as something you get as part of your ‘contribution’ to news, sports etc.

Other stuff

My price: 29p a month / £3.50 a year

Then there’s plenty of stuff we don’t see, but do benefit from.

There are technology developments which make a big difference to how we watch TV (such as iPlayer) and how other programmes are made by other people (like the cameras built for Blue Planet).

We might not listen to the World Service, but it does a fab job of promoting the UK around the world and supporting nations that really need it – while also building ‘soft power’ across the globe.

Oh, and the licence fee is also used to make sure everyone in the UK gets broadband, especially rural areas. It did the same for digital TV.

Right, I’ll shut up now. But let’s say we pay 29p a month towards all this (a total of £3.50 a year).

Money well spent or a waste of cash?

So just to quickly summarise, for me the £14.54 monthly TV licence cost could be broken down like this.

  • £7 a month for all the drama, comedy and documentaries (£84 a year)
  • £3.50 a month for all the radio (£42 a year)
  • £2 a month for sport (£24 a year)
  • £1 a month for news coverage (£12 a year)
  • 75p a month for children’s TV (£9 a year)
  • 29p a month for the innovations (£3.50 a year)
  • plus all the BBC websites

I still think the licence fee is a really good investment. In fact I think these values I’ve assigned are too probably too low for what you get, especially in the cases of sport and radio. 

Yes I have made up the values above (in reality the split is different), and there will certainly be parts you don’t use at all. But it’d be easy to justify assigning higher values to the ones you use and less to those you don’t – for example if you’ve got kids you’d probably think £2 a month for CBBC is great value.

And if you consider what you might pay for all the separate parts at commercial rates, even if you only chose one or two, you’d likely pay just as much. 

Should the Licence Fee be scrapped?

Andy’s analysis

I do recognise there’s growing resentment in some parts of the public, particularly by people who simply don’t watch any BBC (or live) TV at all. I’ll often see posts in money saving Facebook groups about scrapping it, with the majority of the hundreds of comments in favour of ditching it.

However, much of what I see in these conversations is misinformed, and fuelled by media like the Mail and Murdoch’s News UK (The Times and The Sun), and the previous Conservative government, who all have vested interest in getting rid of the BBC.

So I hope this article can help balance some of the arguments (I find it frustrating that the BBC’s own impartiality policies prevent it from delivering any decent defence).

Like the NHS, we’d really miss the BBC if it was gone. No matter how many amazing US imports are available to watch, there’s still fantastic TV made in the UK, and a big part of it is down to the BBC. Even if you still think it’s too much money, I do think that it’s important we fight to keep the BBC independent and strong.

Alternatives

If people genuinely don’t use any BBC service then I do think it’s unfair that they should be forced to pay for it. It seems something really does need to change. But what?

It’s really tough to find a solution that could protect what the BBC stands for and enable it to produce the services it does to the standard it does without the full fee.

Lots of people talk about a subscription method, as you have with Netflix. It’s certainly an option, but people don’t realise that Netflix makes very little profit, and hardly pays any tax in the UK.

I also think there is a chance that for lots of people the cost will go up in order to get all the services. A report from the BBC said it’d likely cost £37 a month to get all the services.

That doesn’t sound too far off. The pick and mix approach to Sky via NOW TV can save you cash versus a normal Sky subscription, but if you want Entertainment, Cinema, Kids and Sport you’re still looking at paying £60 a month. 

An advert funded model is another option, but ITV, Channel 4 and Channel 5 aren’t swimming in cash, and adding the BBC into the market will mean there’s less money to go around. So we’ll see all the free-to-air channels suffer.

And we could see the BBC outbid for some of the important big events and programmes by the likes of Amazon – forcing people to shell out more.

I imagine it’d have to be some kind of blended model. Perhaps some services funded by a reduced licence fee with others subscription only.

How to stop paying the Licence Fee

If you genuinely don’t watch any BBC TV, reckon you could do without, or don’t feel you should pay for the other BBC services then you can cancel your licence.

You can tell TV Licensing that you don’t require a licence here. Just make sure you don’t watch any live TV or use iPlayer.

Best before, use by and sell by dates – what’s the difference?

Make sure you’re not wasting food by chucking it away.

Do you throw out food when it reaches the date on the pack? Well, you could be chucking out perfectly good enough produce – and wasting money as a result.

In fact, there are a few kinds of expiry dates on food, and it’s not always clear what they mean. How do you know when it’s safe to keep eating? Well, here’s a quick round-up.

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What’s the difference between best-before, use-by and sell-by dates?

Use by dates

As it suggests, the advice is to actually use the food by the date listed. So, often this is mainly fresh meat or fish, milk, fruit and veg.

It doesn’t mean you can’t eat stuff after the use-by date, but there’s a risk you could get food poisoning – so it’s often best to stick to the date.

I’ve had a look online to see if there are any general rules for telling if something is still ok to eat – but the advice is mixed.

Apparently, some manufacturers factor in a day or two extra as a precaution, while some people swear by the sniff test. However, the only guarantee, as long as the food has been stored properly, is to consume it by the use-by date.

Best-before dates

Anything with a best before date is safe to consume after expiry. However, the manufacturer will only guarantee the quality until the date.

So you shouldn’t get ill if a pack of crisps or tin of beans if out of date. It might not taste great, but there’s every chance it’ll be just fine – especially if it’s only a few weeks past. Some stuff is absolutely fine months later.

Sell-by / Display until dates

The sell-by date is really an indicator for shop staff rather than customers. It doesn’t actually mean anything for the quality or safety of the food. There’s actually been a huge drop in how often we see these as research found they understandably confused shoppers.

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How I beat use-by and best-before dates and save money

Chucking out-of-date food away is essentially throwing money in the bin. Here’s how I avoid it. I know some might seem obvious, but I’ve added in some details you might not be aware of for each.

Freeze it

Ignore packaging that says “freeze on day of purchase”. You can freeze anything up until the use-by date as long as you’ve not already opened it.

When you defrost it you should then cook the produce within 24 hours.

I’ll sometimes break up a pack of meat into smaller freezer bags for an individual portion. This means I can get one chicken breast out if I’m cooking for myself, or more depending on how many I need.

You can of course also freeze leftovers, while batch cooking is a great way to use up everything.

Eat it

Right, obvious. But if you keep an eye on use-by dates and plan your meals around those items you won’t be chucking out foods you could have eaten.

Once you’ve cooked meat you’ll also be able to store it for a couple of days until the fridge, even if you cook it on the use-by date.

Buy cheap out of date food

You rarely see supermarkets sell items past their best before date, but smaller shops and markets will often have cut-price grub that’s just gone out of date.

There are also online retailers such as Approved Food and Yankee Bundles. They sell a huge variety of products for pretty low prices, including big brands. They also sell a lot of stuff that’s seasonally out of date – so post-Christmas, Easter and Halloween there’s an influx of cheap but perfectly good choc and sweets!

It’s well worth taking a look, but don’t get too carried away by the bargain basement prices – you’ll still need to eat or drink the stuff!

Know what you’ve got

If you’re heading to the supermarket, it really does help to make a list of what you actually need, rather than what you think you need.

A quick cheat here is to take a photo of your fridge or cupboards so you can see what’s there.

Be flexible with your meals

A common food tip is to meal plan – it is probably the best way to make sure you use up ingredients.

But I also try to be flexible with what I’ll have for dinner – and this allows me to take advantage of cut-price food that’s about to go out of date.

You see I’m a little addicted to reduced stickers, as I wrote about a few years ago, so I’ll often decide on meals based on what I can pick up on the day, then freeze anything I can’t use that night.

Buy smaller portions

Those big packs might appear to be cheaper, but not if you have to throw half of the contents in the bin.

If you only use some items occasionally, especially store cupboard essentials, it might be better to buy smaller packs – even if they cost more per 100g. In the long run, you’ll save money.

Avoid bulk buying

This is one area I occasionally fall victim to. If I see a really good deal I sometimes buy two or three – usually on condiments (I’m a little sauce obsessed). Mostly it’s fine, but every now and again I get caught out and find I’ve not used them by the best before date.

Obviously, I now know they’ll be okay to keep eating after the best before date (as long as they aren’t open), but even so I do limit how much of the same thing I buy.

Restaurant discount cards compared – are they worth it?

Tastecard, Dine, Meerkat Meals, Gourmet Society and Hi-Life Diners Club all offer good deals on dining out, but are they worth shelling out for?

You know me, I’m always looking for deals and discounts, and dining cards seem like a fantastic way to save some cash when eating out. But could you just be paying for something you don’t really need?

Rather than review them individually, I’ve compared what you get with each of the options and shared not just how much they cost, but whether they represent good value for money.

image of mobile with the apps

What restaurant discount cards are available?

There are currently four main options:

  • Dine Club
  • Gourmet Society
  • Meerkat Meals
  • Tastecard

How do dining cards work?

Sign up for one of the memberships and you’ll have access to discounts at thousands of restaurants in the UK. You can find out which restaurants are participating and what you’ll save via their websites and apps.

Once you join you’ll either be sent a physical card to put in your wallet or a digital card you access via an app on your phone.

Some restaurants require you to book in advance, but plenty allow you to just turn up. Let them know you’ve got one of these cards, present it when you ask for the bill, and you should get the money off your meal. Easy.

What discounts are available?

The offers used to be quite different, but now they are pretty similar. If there’s more than one type of deal it often depends on the individual restaurant which one applies.

  • Tastecard: 2 for 1 or 50% off, plus 25% off Caffe Nero
  • Dine Club: 2 for 1, 50% off or 25% off total bill
  • Meerkat Meals: 25% off the entire bill, 50% off pizza delivery
  • Gourmet Society: 25% off the whole bill including drinks, two for one meals or 50% off food

Anything to watch out for?

A few things you need to be aware of:

  • There are often exclusions on weekends, and some restaurants don’t let you use the card in December
  • Some restaurants have a limit of two people per card, though some let you use more than one card on a table
  • You might also have to book in advance
  • They will auto-renew! Make sure you cancel soon after you buy the card to avoid this as full-price is often (though not always) a rip-off. You’ll still be able to use it for the length of your membership and you can then look for a better deal if you choose to renew
  • I’ve had restaurants I’ve visited tell me they’re no longer accepting the cards, even though they’re still listed, so it’s worth checking before you turn up

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Where can you eat?

You’ll find some restaurants on all or most of the memberships, while others will only be on one.

Ultimately, which is best comes down to where you live and the type of place you want to eat. So if your local fave you often eat at is only with one membership, then that’s possibly the best for you.

There are plenty of chains too. You can check which restaurants are near you on the various websites and apps.

What free trials are there?

Half of the memberships offer free or £1 trials, with periods ranging from 30-days up to 90-days.

Check out the latest Tastecard and other dining card deals here. Typical free trial offers include 90 days Tastecard for free and 90 days Gourmet Society for £1.

You can even get a 24 hour pass for Dine for £1.99 which is perfect if you don’t need a long term membership.

Which is cheapest?

Dining membershipFree trial?Annual cost
TastecardYes (latest here)£39.99
Gourmet SocietyYes (latest here)£34.99
DineClubNo£49.99
Meerkat MealsNo£1 (via hack)

A year of Meerkat Meals can be picked up for around £1 using a simple little trick – and you get Meerkat Movies too.

With the others, an annual membership is likely to be the most cost-effective once you’ve had the free trials.

You can also choose to pay month by month for some of the memberships, which works out more expensive over a year, but possibly cheaper if you only need it a few times a year. And the £1.99, 24 hour deal from Dine Club is great to use if you’re not a frequent restaurant goer.

What extras can you get?

Tastecard and Gourmet Society have discounts on cinema tickets and days out whilst Meerkat Meals goes hand in hand with Meerkat Moveis.

The cinema offers tend to be discounted tickets at most major chains and some independents. This is pretty good, but as my ultimate guide to ways to save at the movies shows, there are other ways to save – often with bigger discounts. And you have to be careful that your local cinema doesn’t have an offer that beats this.

Should you get a restaurant discount card?

I think these memberships can each be really good value – but it mainly depends on four factors:

The price

If you have paid around £40 you only need to eat out two or three times to break even. As long as you’d do that anyway, it’s a no-lose situation and you will start saving afterwards. If you think you’ll use the cinema discounts too, then even better.

The discount

Two for one is great for two people, not for three. And though one card might give you 50% off food, another might give 25% off food and drink. Depending on how much you spend on booze, you might find the lower discount actually saves you more money.

The restaurants near you

It’s always worth checking what’s available near where you live and work as these are the places you’re more likely to visit – and then check if there are other savings you can get for free.

Will you actually use it?

I found that when I lived in London there were so many quality restaurants I wanted to eat at that I rarely used my membership cards. I’d rather enjoy my meal or try something new than go somewhere simply because there was 50% off.

But of course, if your fave place to eat is listed, then these can be brilliant ways to spend less when eating out. 

Andy’s top tips

I’d recommend taking out the trials rather than buying one straight away. This will help you see just how much you will use one. If it’s not much, then you know these might not be for you.

And you’ve always got the option with most to take out a monthly membership. Though your savings per meal will be less, you’ll be better off in the long run.

Do try, if you can, do support local restaurants though over the chains. So many are shutting their doors that our support can make a big difference.

How to find cheap flights

16 ways to save money on your travels

We’ll tell you how to find the cheapest flights, give you tips to keep the costs down, and we also lift the lid on all the so-called hacks to make your air travel as cheap as possible.

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Make use of flight comparison sites and trackers

Google Flights, Skyscanner and Kayak are just three of the many flight comparison sites out there that can help you find the cheapest price possible for the flight you want.

If you are particular about a date and a place you want to fly to, then you can set up alerts on all of these sites. Then just sit back and leave the comparison sites to tell you when it’s best to book. If the price drops (or dare we say rises), these alerts will let you know.

Alternatively, if you are not fussed about the exact date you want to fly, then you can use comparison sites to look at a whole month and use this to pick the cheapest dates. 

This works too if you’re not set on a particular place as you can simply input ‘everywhere’ as your destination and see the cheapest places to visit in a particular month.

Using this method, you can even find great priced flights in the busiest travel months of the year. For example, input the month of August 2024 into Skyscanner with ‘everywhere’ as the destination and at the time of writing you’ll find return flights available to book for less than £50 to Denmark, Norway, Italy, Luxembourg, Germany and more.

Check for codeshare savings

Codeshares are a type of flight where one airline operates the flight, while other airlines may sell seats on it. Sometimes exactly the same flight is cheaper when you book through one or the other airline. You can check who will be operating the plane by checking the flight number. 

That said, you will need to watch out for transatlantic flights as US airlines aren’t part of stronger EU rules on delay compensation – even if you booked via an EU or UK partner.

Book budget flights earlier rather than later

Tickets are often less with budget airlines when they first go on sale. As seats sell, fares tend to increase in price with the most expensive ones close to travel.

However, buying early doesn’t mean they won’t get cheaper, since airlines often run promotions, but generally with budget, the earlier, the better.

Watch out for flight brokers

When you use sites like Skyscanner and Kayak, you’ll usually see prices from third party agencies, and these can often appear to be the cheapest option.

Booking through them should be the same as booking via a travel agency but we’ve seen several stories where the price changes or different flights are booked.There have even been cases where bookings haven’t been even made and customer service has been non-existent.

Do a little research before using one, as most have plenty of customer reviews. If there isn’t a great deal of difference in price, then it might be better going with the airline directly or using a more established agency such as Expedia or eBookers.

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Consider indirect flights

To keep the costs down when looking for flights, consider flying indirect routes, as these are almost always cheaper. You can do one way or both ways indirectly.

It is best to book as one trip rather than booking individual legs separately, so you’ll be covered if you are delayed on any flight and will get moved to a later connection.

For peace of mind, it’s always best to choose connecting flights that give you at least one hour to get from plane to plane as you may need to go through customs or pick up your luggage on the way. This varies depending on the country you are passing through, so always allow yourself enough time so you’re not running to your next connection.

Just a heads up, when looking at indirect flights be aware that there are some connecting flights which require you to switch airports. I’ve seen this for US flights where the connection is in New York and you land in JFK but take off on the connecting flight from Newark airport. 

You would have the cost and hassle of lugging your cases across New York, making that low cost indirect flight you found, not quite as good as you once thought!

Make a stopover

If you don’t fancy extending your flight time or enduring lengthy layovers in the airport when flying indirect, it could be better to extend the interim stop and spend the night there. You’ll often save some cash and there’s the benefit of getting to visit another destination on your trip.

Go “open jaw”

An alternative to a stopover is an “open jaw”. These flights are booked at the same time but depart from and return to different airports.

A few years back, editor Andy flew from London to San Francisco and returned from San Diego to London. This allowed him to spend a day in San Francisco before getting a separately booked short and cheap flight to San Diego.  All three flights combined were actually cheaper than flying direct to San Diego!

To find options look for multi-destination options in search options. Or, if you want to book the additional flights yourself, we also like the site Skiplagged to find potential routes.

Fly into other airports

If a town has multiple airports or if there are alternative airports that are easy to travel to then it’s worth checking prices at each of those for both your departure and arrival. Do check exactly where these are though as you could find you’re adding on more time and money to actually reach your final destination for some.

You may actually find these smaller airports have less queues at passport control as they’re often quieter. I have also found with car hire it has been cheaper to pick up and drop off at the smaller airports. Obviously this is not always the case, but it’s worth checking all the costs involved with travelling before booking your flights.

Keep luggage costs down

The first price given on most airline websites is the cost of the flight without hold luggage, so if you want to keep the flight price as it is, then you need to travel light.

Now there are some circumstances where you have to take hold luggage such as if you have large cosmetics, golf clubs or a big suitcase. But rather than book the upgraded economy ticket to include this, work out the price difference if you add these as extras – it can sometimes work out cheaper. 

This can really save cash when booking for multiple people as the airlines apply a seat upgrade to all the tickets you are booking. Since you won’t necessarily need a hold suitcase for each person, you can just book all the travellers at the basic rate and then add on the amount of hold luggage you’ll be taking as an extra. 

This is how I book flights for my family as we never need 5 suitcases – I book the most basic ticket and add on 2 additional suitcases.

If you are adding sports equipment as an extra, such as golf clubs, and there’s space, think about packing your clothing and toiletries in with the equipment (up to the permitted weight), rather than paying for an additional suitcase. The additional padding from the clothes protects your sports equipment too!

Make your carry on luggage allowance go further 

Different airlines offer different carry-on luggage weights and size limits, but here are the airlines with the best carry on allowance included in their most basic fare, that we found:

  • Norse Atlantic 40 x 30 x 15 cm, no weight limit
  • British Airways 56cm x 45cm x 25cm and 23kg + a personal item like a handbag or small rucksack
  • Virgin 23 x 36 x 56cm and 10kg plus a personal item small enough to fit under seat in front (no weight specified)

Using the free carry-on luggage allowance to its max, which with some airlines will be a small suitcase and a rucksack, may mean you don’t actually need a large suitcase in the hold and this could save you money.

Make sure you read up on what you can put in your carry-on luggage as there are restrictions on liquids among other things.

Still need more room? Think about stuffing clothes into your neck pillow. You can buy one specifically designed to do this, or if you already have one with a removal cover, ditch the cushion and fill it with pants, socks, t-shirts and other soft clothes and you have a luggage carrier that’s also a comfortable neck pillow – great for those long haul flights.

Don’t pay to book seats when you book your flight

To book airline seats or not to book seats? A question everyone wants answered, but there’s no right or wrong answer. 

If you want to ensure you are sitting with your travel companions or, if you have a preference for a particular seat on the plane, then expect to pay a hefty price to guarantee this. The airlines are really cashing in when it comes to seat allocation and you can expect to pay anything from a few pounds to a few hundred pounds to guarantee your seats.

But Which? recently surveyed the major airlines who, all but Ryanair, confirmed they have systems that will always try to seat groups on the same booking together. 

So if you check in as soon as you’re able to, you should in theory get to sit together, as long as there are seats available. Now if the flight is busy and lots have decided to pay upfront for their seats, then this may stop you from getting seats together.

But you can keep checking the seat allocation on your flight right up to check-in. By going to the ‘manage my booking’ section of the airline’s website, you’ll be able to look at what seats have been taken and what’s available by doing a mock seat purchase.

The reserved seats will usually be greyed out so you’ll be able to see how much space is available on the flight and make a call as to whether it is necessary or not to pay to reserve seats.

If you’re willing to wait until check-in to select seats, ensure you check in at the soonest you can. This will vary by airline, also by ticket type and even by loyalty card status. For example, BA bronze executive club members get to select seats one week before departure whilst for Blue members and non-members it’s 24 hours.

Check your options if you’re travelling with kids

If you’re travelling with kids, then most airlines will aim to sit you together or as close as they can. Again it’s no guarantee, but they do go out of their way to ensure this happens so you don’t have to pay to reserve seats. 

RyanAir is a bit different and allegedly it separates parties unless you pay to reserve seats. To guarantee sitting with your children, they insist you pay to reserve a seat so bear this extra cost in mind before booking.

Make sure you pick a good seat

Before you book your seats, use a site like seatguru to find out which seats are the best and which ones should be avoided, as it maps out each plane and colour codes seats according to how good they are. If they’re colour coded green, then the seat has had a positive review.

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Don’t forget your airmiles

If you collect the various airline points, then don’t forget to check the price of flights by paying with points in part or in full as you may be able to snag yourself deal. 

Most of the time we think you’re better off swapping your Avios into Nectar and shopping around for flight deals, but if you have companion vouchers you may be able to save on your tickets.

Use “incognito” or private browsing

Experts differ with their opinions on whether this actually happens or not but some say that flight websites use tracking cookies when you’re looking for flights to change the price if you’ve searched for the same route a few times. It’s been reported that you might even get higher prices if you use an Apple Mac rather than a PC.

There’s no guarantee you’ll get lower fares, but if you use the incognito option in Chrome or private in Safari you can hide your search cookies from them. Just remember to close the windows and open new ones for each search. 

Sign up for deals

Sign up free to Jack’s Flight Club and get an email every week with the best flight deals they have found. There’s also a premium membership at £39 a year where you’ll be sent even more deals. I’ve not signed up for this, but if you have the flexibility with work and family to get away on a whim, it could well be worth it. 

Secret Flying is another site worth looking at if you want a rock bottom price for a flight and are open to different destinations. 

How to pay in a cheque online with your phone

Beat the queues (and closing branches) by depositing a cheque with a mobile banking app.

It’s been years since I received or wrote a cheque. But during the first lockdown I helped some elderly neighbours with their shopping. And since they were housebound and not online the easiest way for them to pay me was via cheque.

Normally that would mean a visit to the bank in order to deposit to my account, but it actually gave me a chance to try out an online banking feature I’ve been unable to use before.

Since late 2017, some banks have used cheque imaging software to scan your cheques using the banking apps on your phone.

More and more banks now let you do this, and it’s a handy feature for those too busy or unable to head to a bank, or perhaps have seen their local branch close down.

How to pay in a cheque with your banking app

If your bank has the feature (you can see a list of the banks that do and significant banks that don’t below), then it’s a similar process with each one.

You first take a photo of the front of the picture using the app. And once that’s gone through, you take a picture of the back – even if it’s completely blank!

The phone must be completely flat above the cheque, which must also be flat. You need to get the corners lined up to markers on the phone screen. And even if you nail this, it might not be enough. When I first tried it with Halifax it took about seven attempts to get the front to scan.

But once I worked out it needed to be on a dark background it took just seconds to snap each side and hit submit. Far quicker than heading out to the bank and queuing up.

You should see the money in your account by the end of the next working day, as long as you pay it in before a cut-off time (which varies by bank). Of course, make sure you keep the cheque until it has cleared just in case it’s rejected. 

Andy’s top bank apps

Banking apps aren’t just useful for paying in cheques. If you’re like me, you’re doing most of your banking on one – and some are much better than others. Here are my top apps for managing your current account:

  • Starling
  • Chase
  • Halifax

I’ve compared the apps across all the major UK banks in detail. You can read more about the best and worst mobile bank apps here.

Banks where you can pay in cheques with your phone

These are the main banks I can find that offer this feature.

Bank of Scotland

Bank of Scotland is one where the app works in exactly the same way as Halifax’s (see below)

Barclays

You’ll find the feature on the Pay & Transfer tab of your Barclays app. You can pay in a maximum of four cheques every seven days, and a cheque can’t be for more than £500.

First Direct

Since there are no branches you’d normally need to go to an HSBC or a Post Office to pay in a cheque with First Direct. However, in June 2020 the bank added the option to do this via the app, or you can also post them to the bank.

Halifax

I found the feature in the ‘More’ tab at the bottom of the app. There’s is a maximum cheque value of £10,000 and a daily limit of £10,000.

HSBC

HSBC has a maximum daily limit of £2,000. You can find the feature in the ‘Move Money’ section of the app.

Lloyds

Lloyds’s pay-in via the app feature lets you deposit a cheque with the bank in exactly the same way as Halifax.

Monzo 

After years where the only options was to send it via the post, since late 2023 you can now pay in cheques up to £500 via the app. For larger amounts you’ll need to post it.

NatWest

Added in May 2021, you can pay in a cheque using the NatWest app. You need to select the account you want to use and you’ll see the option. I found it much harder than on other apps to get the camera to find the cheque and had to put it on a dark background for it to scan.

However, once I finally got far enough to submit the cheque, the app came back saying it “couldn’t process your cheque right now”. I tried a few times before giving up! I’m sure it’s just teething problems at launch but it’s frustrating.

RBS

RBS has the same app and functionality as NatWest, so it’ll follow the same process as above.

Santander

Since late 2022 you’ve finally been able to use the Santander app to pay in a cheque. It has to be less than £500 in value. There’s a £1,000 total cap per day.

Also, for the Post Office option you’ll need to order some paying-in slips and deposit envelopes from Santander in advance.

However, you can also use cash machines or send your cheque to your local branch to process.

Starling

Simply go to menu in the top right hand corner and choose “Add money”. Then you’ll be able to take a photo of your cheque up to £500.

TSB

Since spring 2023, you can now scan cheques using the TSB app. Select the Payments tab at the bottom of the screen, then deposit cheque. There’s a £750 daily limit.

Virgin Money

The app for a Virgin Money, allows cheques up to £500 as long as they weren’t signed more than six months ago. You’ll find it via the menu in the top right-hand corner.

Banks where you can’t pay in a cheque with your phone

Here are some of the notable banks which don’t have this feature. If you can’t get to any of these banks to pay in a cheque, you can head to your Post Office and deposit it there. However, all they’ll do is post it on for you so it can take a while to clear.

Chase Bank

Chase does not have the function to pay in a cheque via the app. In fact there are no ways to deposit a cheque. Instead you’ll need to pay it into a different account and transfer the money across.

Co-operative Bank

You’ll need to visit a branch or post cheques for Co-op Bank.

Kroo

It’s not possible to add a cheque to Kroo at all, so you’ll need to deposit one elsewhere and transfer over.

Nationwide

There’s no cheque option on the app or website, but you can send it by post.

Revolut

Revolut won’t accept cheques (or cash!).

How to switch bank to one with this feature

It’s really simple to open up a new bank account at one of those listed above which do let you pay in a cheque with the app on your phone. 

You can either open up a new account and keep your old one, or you can choose to switch using the Current Account Switch Service which moves all your standing orders, direct debits and future payments.

You can read more about how switching works here.

How to get an NUS / Totum discount card without being a student

If you’ve recently had a Totum discount card you might be able to renew it or get an Alumni card.

It looks like this hack is back, meaning even non-students can buy a cheap online course and get access to dozens of student discounts.

Or, if you previously took advantage of this trick, or graduated in the last three years, then you might be able to get a new Totum (formerly NUS) card without buying a course! Here’s how:

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What is an NUS / Totum card?

If you’ve ever been a student, you’ll know that your ID often doubled up as an NUS (National Union of Students) card and gave you discounts in shops, cinemas and more.

A good few years ago NUS started charging students to get an NUS Extra card, which as the name suggests, gave even more discounts. It’s since been rebranded to Totum.

The cards also now come with a Tastecard and an ISIC (International Student Identity Card), giving student prices overseas and on travel.

It’s a great way to save, even if there is a £14.99 annual cost plus £1.50 delivery. It’s cheaper to get a three-year card (at £29.99), though that only has the ISIC card for one year.

How much money can I save?

Potentially a huge amount.

Of course, it depends on what you buy. There are still thousands of ways to save. Plenty of high street shops will give a 10% discount, including Leon, Boots and Apple. Add on the discounts you can get at cinemas, theatres, galleries and thousands of shops and you should easily make your money back. Anything after that is a massive bonus.

Unfortunately, some student discounts (eg Young Persons Railcard), require a student ID. And some discounts – such as Spotify and Asos – are only available via sites like MyUniDays and StudentBeans which require a full .ac.uk email address.

Totum alumni card for previous cardholders

If you’re a recent graduate, or if you got a Totum card via the old version of the trick, you should be able to pick up an alumni card. This will give you all the same discounts, without you having to still be at university.

There are a few ways to get this. First you can log in to your NUS/Totum account and see if you’ve got the option to just buy a new card. I had a look at my old account and this was there ready for me to get. One thing I noticed was that this didn’t seem to be an alumni card, but it worked in the same way – as long as I didn’t change my place of study (doing this required a new verification).

It might be that your old log-in doesn’t work anymore as I recall having to change my password when NUS changed to Totum. In that case, try the following.

First thing to do is set up a support ticket with Totum. Ideally you’ll need your card number, but hopefully your email will suffice. You’ll then be sent a verification link to order your new alumni Totum card.

Or if you were an actual student who graduated within the last three years then follow the same link and upload proof of graduation.

This is the best option as you’ll only need to pay for the Totum card itself, and not an online course too.

Get a new student discount card when you aren’t a student

One of the first articles I wrote on the blog, and one of the most popular for years, was a hack to get a student discount if you weren’t a student. The trick was to sign up for an online course at certain providers where you’d be eligible for the NUS / Totum card.

I first signed up back in 2013 for an online Photoshop card, and repeated it a number of times until these online education businesses were all removed by NUS in 2018. Sad times.

However, since March 2023 it now looks like some online providers are offering access to the Totum card again. I’ve not tried it personally, so proceed with caution.

Which online courses make you eligible for a Totum (formerly NUS) card?

There are a few course providers, found via Reed, which promise eligibility for a Totum card. Ones I’ve spotted in mid-February 2024 include:

  • Global Edulink
  • 1 Training
  • Study365
  • Oxford Home Study Centre
  • Lead Academy
  • e-courses4you
  • e-careers

Prices seem to start at £12 for an online course.

The problem is that for most of these the reference to Totum doesn’t actually appear on the individual course descriptions. Instead it appears on the search results. But I’ve cross-referenced each of these providers and they do appear on the Totum application page.

So hopefully you’ll be able to request a code from the training provider once you’ve paid for your course. You’ll need this to verify on the Totum site that you are doing a course.

Of course there’s a risk that you won’t be able to get the verification code. If that happens then you could try to get a refund on the course bought.

Also be very careful that these providers don’t try to sell you their own student discount card. A number of them have these for between £8 and £14 but they are not the NUS / Totum cards. The only people you should be giving money to are whoever sells you the initial course and Totum’s own website.

Cheapest course I can find (14/2/2024):

The cheapest paid course I can find is £12 – not bad as long as you aren’t bothered about the actual course content. These were all via Reed, though it’s worth checking sites like Groupon and Living Social.

How to apply for your Totum card

Once you’ve signed up to your course, you can simply apply for a Totum card on the Totum website.  You may need to contact the course provider to get the verification or voucher code.

Here’s how to apply for your Totum Card:

  • Step 1: Go to Totum.com 
  • Step 2: Enter your email address
  • Step 3: Type in the course provider as your place of study. This should auto-populate the box after three characters. Once it appears hit continue.
  • Step 4: Enter the verification code
  • Step 5: Here you pick the length of Totum card you are buying and any add-ons (more on these later)
  • Step 6: Next upload a photo of yourself (this will be displayed on the card).
  • Step 7: Enter your personal details. You may be asked for a student number or password. You should be able to find this in the account you’ve set up for your online course.
  • Step 8: You pay! It’s £14.99 for a one-year membership, £24.99 for two-years and £29.99 for three. There’s a £1.50 charge for delivery.

Our podcast

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

Episodes every Monday.

Best NUS card discounts

You can search the NUS Totum website to see where you can use it, though many businesses won’t be listed there so ask in-store or look for signs.

I’ve shared a list of some of the top places to look here. However, there are a few which I think are particularly special:

Apple student discount

If you’re going to buy an iMac, iPad or Macbook then having an NUS card means you can get the Education Discount worth up to 10% off.

Plus if you buy in August and September you can get a freebie. In 2023 it was an Apple gift card worth up to £120, in previous years it’s been headphones! To use online you click through from the NUS website. More on saving at Apple with a student discount

Boots student discount

Take your Totum card into a Boots store and ask them to link it to your Advantage card. You’ll need to do this each September.

Virgin Money M Plus current account: is it any good?

You’ll get up to 2.02% interest on savings, plus a freebies if you switch.

Virgin Money launched its new current account in late 2019, based on the B account from Clydesdale Bank. It has some attractive features such as high interest and fee-free spending overseas, but they’ve not been enough to get me to open an account.

But since late 2020 it got a lot more tempting, offering freebies and discounts to entice customers.

Here’s how the account and offers work and my thoughts on whether it’s worth it. Plus my video takes you through some of the features on the app.

Is the Virgin Money M Plus current account any good?

Let’s take a look at each key feature:

The interest on savings

At 2.02% this is the highest paying easy access account for savings at the moment (by a smidge) so it’s certainly worth considering.

There are a few restrictions. The largest is you will only earn interest on balances up to £1,000. Anything over this will get 0%. That works out as £20.20 in interest a year. Not a huge amount but better than what you’ll get elsewhere.

The linked savings account where you can put further money pays 2.02% on the first £25,000. This is variable but it can be beaten elsewhere. You have the option in this account to set up any number of savings pots within this account, all earning interest. This helps you split your savings out for different goals, such as an emergency fund or holiday.

The switching incentives

*Update 3 October 22 – There’s currently no switching offer from Virgin Money *

Unlike other banks, Virgin Money doesn’t offer cash. Instead it rotates between one or a combination of

  • 20,000 Virgin Red points
  • Free wine
  • A Virgin Experiences voucher
  • Boosted interest rates
  • A charitable donation

I’ve written in full about the latest switching offer.

The Virgin discounts

Virgin Money is calling this new part of the offer “Brighter Money Bundles” – and it’s available to all Virgin Money Current Account customers – not just new switchers.

The main offer right now seems to be up to £225 off a Virgin Media package. It’s only for new Virgin Media customers and you have to commit to an 18 month contract and pay a £35 set up fee.

The Virgin Media offers listed at launch can be seen here.

I’ve clicked through to see the offers and prices and it does look like prices are slightly lower than going direct to Virgin Media each month, plus there’s between £50 and £100 bill credit on top. It’s worth checking what you can get via a cashback site though for a proper comparison.

There aren’t any other offers listed right now, but it seems they’ll favour Virgin brands such as the gyms, airline and wine.

Fee free spending abroad

Though we can’t really travel right now, this is a really good feature you only see on Starling or Monzo and some credit cards (though Monzo and some credit cards have restrictions on cash withdrawals).

The app

The app positions itself along the lines of the other challenger bank offerings, with savings pots, budgeting features and the ability to tag and track transactions.

You can also deposit a cheque with your phone and it’s compatible with Apple Pay and Google Pay.

But there are plenty of features it doesn’t have, including some of the extras you’ll get with Starling and Monzo such as round-ups, PIN reveal or the ability to freeze your card.

Should you open a Virgin Money M Plus account?

Let’s start with the good things.

The 2.02% interest is decent as is the linked 1.71% account, especially if you’ve already had the Nationwide FlexDirect account for more than a year. You can’t beat it in an easy access account right now.

If you don’t have a Chase, Starling or Monzo account then it will also be useful for overseas spending.

Both of these make it a decent option, and the switching deal is worth considering. However, if you are going to switch bank I think there are other options you should consider first. In terms of bonuses, I’d go for one which pays cash. You can see the list of the latest ones here.

Then if you’re after a bank to help you budget I’d look at Starling or Monzo.

Our podcast

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

Episodes every Monday.

How to switch to Virgin Money

As with other bank switches you’ll need to open a new account with Virgin Money and then use its website to detail which bank account from a different bank you are switching over. Virgin Money will carry out a credit check.

You will have to close this old account completely as part of the switch, but all your money and future payments in and out will be transferred over. This is guaranteed as part of the Current Account Switching Service. You can read more about how bank switching works here.

Chip app autosave fees could cost you £41 a year

With automatic saves, can this app help you put money away?

One of the best savings apps over the years has been Chip. A smart autosave feature and often decent interest rates have meant I’ve often been a big fan.

Note often, not always. That’s because it feels like every few months the proposition (and charges) change. Sometimes it’s free, sometimes it’s not, and in recent years there’s been a move to focus on investments over savings.

And the latest revamp means it (once again) won’t be free to use the auto-saving feature. In fact, it’s never been so expensive!

So is it worth getting or sticking with the app to boost your savings?

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What is Chip?

Chip is an automated saving app for your phone or tablet. It analyses your current account and works out how much you can afford to save – and then does it for you by moving the money to a separate account.

It also offers a savings rate of 1.1% AER or a Prize Savings Account with the chance to win up to £20,000.

There are also an increasing number of investment features, though this article is focused just on savings.

How much does Chip cost?

One issue I have with Chip is how frequently they change the cost of using the app. Sometimes it’s free, sometimes you have to pay.

Currently there’s a free tier called “Chip”, which is all you need to access the savings accounts and features. This is the focus of the review.

There’s an additional paid tier called “ChipX” (at £5 every 28 days) which adds investing functionality.

Auto save charges

Rather than make users pay a monthly charge for the entry-level Chip tier (which has happened in the past) there are going to be charges from 12 October 2022 for using different features – including autosaves.

New savings fees

These new charges begin on 12 October 2022

  • 25p per recurring save
  • 45p per auto-save

New withdrawal charges

  • Two free withdrawals per calendar month
  • £1 per withdrawal after this

Are the new charges worth paying?

Andy’s Analysis

I’m disappointed Chip has added charges for using autosaves (again). I get that the app needs to make money, and they can’t offer loss leading products. But it’s ridiculously expensive.

An autosave happens every four days. So unless you turn them off or pause them, they will happen 7 times a month or 91 times a year. At 45p per autosave, you’ll pay £3.15 a month or £40.95 a year.

That’s far more than you’ll have paid for this feature on the pre-2022 model. And it’s something no one should be paying especially since the exact same function is available for free via the Plum app.

You’ll also need to be careful if you do use Chip not to withdraw your money more than twice a month, otherwise you’ll get hit with a hefty £1 fee.

How does Chip help you save?

Chip offers a handful of features to boost how much of your money goes into savings.

Autosaves

I really love the “big idea” behind Chip. With automated savings, the app’s “AI” (artificial intelligence – don’t worry it’s not Terminator) algorithm analyses your spending habits, and based on what goes in and out of your account (along with general data about all its users) Chip will suggest an amount you can afford to save each week.

The amount will vary depending on how much money you have in your account and how often you spend it. It could be just a few quid, or a decent chunk. In theory, you shouldn’t really notice that the money has gone.

This is great for those who always plan to save but never get around to it. The autosaves can quickly add up.

But with a 45p charge for each autosave you’re really wasting cash for using the feature. However, if you want to learn more, keep reading.

How often does Chip save money?

By default Chip will suggest savings for you every four days. You can pause auto-saves for a week, two weeks or a custom date up to three months away. 

It can take up to three working days for your money to reach the linked account.

How to cancel autosaves

You have until 3pm to choose to stop this payment if you wish. If you’re happy with the suggested amount you don’t need do anything and the money will automatically be sent to your Chip account.

How much can you save with Chip?

Chip says the average is £20. There are five levels of auto-saves, with one being the lowest. By default, you’re at level 3, but it’s easy to switch between them in the app. 

Overdraft savings

I’m not a fan of this feature which allows you to move money from your overdraft into Chip. If you do this you’ll likely end up paying huge overdraft fees. Personally I’d avoid activating it.

Minimum balances

This is a handy cap you can put so that Chip won’t every take money out of your connected bank account past a certain balance. This can ensure you don’t ever go overdrawn or not have enough cash for other payments.

Splitting your autosaves

You have the option to choose how much of your autosaves goes into each savings account or goal (more on these later). So you could put 80% into the main savings account, but 20% into another.

Recurring Saves

This feature lets you choose when you move a set amount over. It can be weekly, fortnightly, every four weeks or monthly.

It’s basically a standing order – but one that charges you 25p for each transfer. So you’d be better off just setting these up with your bank for free, and moving the money to one of the best paying savings accounts.

Savings goals

The savings goals feature is useful in helping you identify what you’re saving for, and track your progress against the targets you set.

You can enter a name, date and amount to help motivate you to keep saving. You can have as many as you want, and allocate how much of your autosaves goes to each goal. 

The app then shows you how realistic it is to achieve your savings target by certain dates in the calendar when you’re choosing your savings deadline. Once you set a savings goal, Chip lets you know whether you’re on track to hit your target.

The money isn’t held in separate pots for these goals (as you would with Starling or Monzo). It’ll still sit in whichever account you’ve chosen for your money.

Save streaks

The more you save without cancelling a transfer or withdrawing cash the longer your savings streak will be. In theory, this keeps you motivated to keep on saving, though I doubt you’ll pay much attention.

Chip’s savings accounts

The money you auto or manually save to Chip sits in one of the connected accounts.

There’s the Instant Access saver, which can pay a decent rate – you can see the latest one in our savings best buy tables.

Alternatively, you can put your money in the Prize Saver account. There’s no interest here but you might win a prize between £10 and £10,000. Here’s my full analysis.

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Is Chip any good for savings?

The autosave feature is great, but not at 45p per save. There’s no point paying 25p for the recurring saves either.

That leaves it just as an account to maximise earnings on savings. Does it perform? In the past Chip has offered high-interest rates, but the ones currently on offer can be beaten.

Alternatives to Chip

I’d use Plum for autosavings without a charge, and simply set up standing orders for regular payments for savings. Meanwhile Monzo and Starling let you create goals within their “Pots” or “Spaces” features.

For higher interest savings rates, check out my latest best buys.