Is it worth selling old books, DVDs, games and CDs online?

We review which site is best for selling DVDs, books and CDs

Over the years I’ve accumulated hundreds of CDs, books and DVDs. Yet thanks to Spotify, Netflix and my Kindle they’re just gathering dust. So if you want to sell books, CDs or DVDs then trade-in apps may be your answer. We put the market favourites to the test to see if you’ll make pennies or pounds from your unwanted items.

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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Sites to sell CDs, books, games and DVDs

I looked at three different companies which all promise to buy your unwanted physical media and also compared these to what you could potentially make on eBay and Amazon Seller.

The apps I used were:

  • Music Magpie
  • We buy books
  • World of Books (known as Ziffit at the time of writing)

All three also work by entering details into a website if you don’t want to use a phone.

I also looked for others out there and it seems that MoMox and Zapper are not currently up and running.

How these buying sites work

  • Just scan the barcode with your phone and instantly receive an offer (or not) for your media.
  • Reach the minimum amount – one of the frustrations with some of these apps is you can’t trade in until you reach a minimum amount. This figure ranges from an achievable £5 through to £15, and when many items are offered to you for 10p, that’s quite a few to sell before you reach the threshold.
  • Package and post – once you’ve accepted the figures for the trade, you need to box the titles up. Most allow you to drop the box off, though some will collect by courier. There isn’t usually a charge for this.
  • Wait for payment – you only get paid once the items have been received and checked. With CDs, DVDs and games in particular this involves a condition check. If they aren’t of the desired quality you might get less cash, or even none at all.

How the trade-in apps fared

Having just moved house, I was still clearing out as I unpacked boxes and found books, CDs, DVDs and sheet music books that I hadn’t touched in years. So I grabbed five of each and used the apps below to see just how much money I could make. You can sell computer games too but I didn’t have any to sell.

I’ve summarised the results in this table so you can see how Ziffit (now World of Books), Music Magpie and We Buy Books compared:

Trading appAmount offered (for 24 items)Minimum payoutExtra incentives
We Buy Books£3.92£1510% extra with code APP10
World of Books (was Ziffit)£3.41£510% extra for new traders with code WELCOME10
Music Magpie£1.52£510% extra with code GET10EXTRA
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We Buy Books

We Buy Books accepted a few more items than the others (10 out of 20) but offered slightly lower individual prices. And the funny thing is, quite contrary to their name, they didn’t accept any of the five books I tried to sell! That said, I’ve used them to sell books before and had some success, mostly 10p offers but I did get a random £6 offer for a grown-up version of a Where’s Wally book!

I was disappointed this time with their offer prices for the sheet music books. Most offers were around 50p which I guess is better than the price they offer for most books, but the one I found could possibly sell for around £25 on Amazon, they only offered just 12p for!

Summary: OK for sheet music books and DVDs but didn’t accept any of my reading books. It would take quite a lot of products to get to the £15 minimum for payout, so not great if you only have a few items to sell.

World of Books (was Ziffit)

Ziffit, as they were known as at the time of research, were good for their offers on the sheet music books and DVDs but only offered 10p on one book and made zero offers on the CDS. In total, they made offers for 9 out of the 20 items with prices ranging from 10p to 50p, so nothing to shout about. 

Summary: Good for sheet music, although don’t expect any offers higher than 50p. The £5 minimum payout is much more achievable and good if you have fewer items to sell. Not great for CDs or books in this particular case.

Music Magpie

Music Magpie would only take 7 out of 20 the items and the prices they offered were very low – in fact the best offer they gave was 40p for a Shawshank Redemption Blu Ray. They didn’t accept any of the books and offered just pennies for the sheet music books. They gave more offers for CDs than the other apps, but don’t expect anything big, the maximum was 22p.

Summary: Better than Ziffit and Music Magpie for CDs, but low prices across the board. £5 minimum payout is easier to achieve, so good if you’ve only a few items to get rid of.

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Are these trade-in apps worth it?

From my test the answer is generally no. This kind of physical media just doesn’t hold its value, and with people also not really buying these items second hand, these websites don’t always offer a price which makes it worthwhile.

But you will get larger amounts for special editions, rare items, recent releases and textbooks, though you’ll probably get more for them on eBay.

And if you’re struggling for extra cash and don’t think you have the time to eBay your unwanted items, then these sites may just be the quick answer you’re looking for.

Are Amazon Seller and eBay better?

Since none of the buying apps came up trumps, I thought I’d compare their offers to what I could get elsewhere. CEX doesn’t buy books, but you can list these on eBay and Amazon (through Amazon Seller).

Obviously this is based on an estimate of what you could potentially make. For eBay, I looked at the same items and what price they are currently offered for. And for Amazon Seller, they give you the price after fees for the lowest price the item has sold at.

Other things to take into account are the photos, listing and packing for making Ebay sales, which all takes time and it would have to be done for individual items (although you could possibly sell in bulk). For Amazon Seller, if you go down the route of FBA (fulfilled by Amazon), then there are the storage fees to take into account if the products don’t sell.

And with both eBay and Amazon, there’s no definite sale. You could be holding on to the items for months or even years.

That could be an issue, unlike with the apps mentioned above where you have a definite income (once the products have been received and assessed).

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How much could I make?

So what can I potentially make from Amazon Seller or eBay? Amazon Seller to me seems the best to go with but it requires some work. For the 20 products I’m planning to sell I could potentially make around £70 and on eBay about £60. But neither of these estimates are reality until the products sell.

Both estimates are a lot higher than the £3 odd offered by the buying apps above. The biggest difference in price I found between the trade-in apps and Amazon, was for a City of Angels music book. This was worth 43p on Ziffit and 12p on both We Buy Books and Music Magpie, yet Amazon predicts it could sell for £24.65.

That said, both Amazon Seller and eBay do require a lot more effort and man-hours than the trade-in sites, but I could make more money from them if my items go on to sell. But for convenience, the question is whether I should just take the £3.92 offered by We Buy Books!

How to watch BT Sport for free and deals to save

BT Sport isn’t the cheapest channel out there but it is possible to pay less, and sometimes even get it for free.

BT Sport is now TNT Sports

TNT Sports replaced BT Sport in 2023, following a merger with Warner Bros Discovery. We’ve got a page with the latest TNT Sports deals and offers so you can carry on watching your favourite sports for less on that channel.

The cheapest ways to watch BT Sport are if you’re a BT broadband / TV or EE mobile customer. There’s a pay-as-you go option for those with different internet and mobile providers.

Here are the best offers right now to save you cash.

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Pay as you go passes

BT Sport month pass – £30.99

For the first time, BT has introduced a monthly pass at £30.99 a month. This means you don’t need to have any other service with BT or to sign up to a long contract – though you will have to cancel to stop the subscription rolling over to a new month.

The pass lasts for 30 days and includes all the BT Sport channels and discovery+, including 4K and HDR options if your TV supports it.

Sadly there’s no day pass as you get with NOW TV.

* The price increased from £25 on 17 February 2023

30-day pass via Virgin Media Stream – £16.20

If you get your broadband from Virgin Media then you can pay £18 a month on a rolling 30-day contract (so effectively a monthly pass), and get 10% credited back to your bill. You will need to buy a £35 Virgin Media Stream box though (here’s my review).

Get it with your broadband

If you get your internet services from BT or Plusnet then you can get the BT Sport channels for an extra charge each month. This starts from £15 a month and you can watch via the BT Sport App. It goes up if you also add other BT TV channels and get a Freeview Box to plug into your TV.

If you’re adding it to an existing BT contract then it could mean you start a new contract for all your BT services. Shop around for deals that’ll bring the price down, such as using cashback sites for an added bonus.

Get it via Virgin Media

Virgin Media Stream: £8 per month

You can currently get BT Sport channels for £8 a month via Virgin Stream. It’s a 30-day rolling contract so you can cancel at any time. You’ll get the price for 18 months max, when it will then revert to full price (currently £18).

However you do need to be getting broadband via Virgin Media and there’s a £35 one-off set up charge (this can often be haggled to zero if you call up).

Check out our review of Virgin Media stream to find out more.

Get it with your mobile

If your mobile phone is via EE you can buy passes to watch on your phone using the BT Sport app. You’ll get access to BT Sport 1, BT Sport 2, BT Sport 3, BT Sport/ESPN and BoxNation channels.

There are add-ons that let you watch it via the BT Sport app on your TV or improve picture quality to 4K.

Three months free with EE

EE customers can get the BT Sport app free for three months by texting SPORT to 150. Unless you cancel after this you’ll move on to the monthly paid subscription.

£10 a month mobile pass via EE

Access to the BT Sport app costs £10 a month. You can only watch it on your device and this is just for EE customers.

£15 a month to use BT Sport app on TVs and smart sticks via EE

The next level up is £15 a month the BT Sport Large Screen package lets you watch it on a TV via devices such as a Chromecast, Xbox, Amazon Fire Stick and some smart TVs.

The step-up to UHD/4K viewing is a package called BT Sport Ultimate which costs £20 a month.

10 months Big Screen & BT Ultimate for £15 a month via EE

This season pass lets you watch the channels on your TV and also upgrades picture quality to 4K. It’s £15 a month, so you’re saving £5 a month on the Ultimate package – but you are committing to 10 months.

There’s an early cancellation charge if you want to stop early, which you’ll also be charged if you switch away from EE for your SIM. To get this text SEASON to 150.

“Free” with EE Swappable Benefits

If you have a reasonably expensive “Smart Plan” contract with EE you can choose BT Sport as one of your swappable benefits. However I’d say you’re probably better off shopping around for a cheaper SIM-only deal.

You can pay £5 more to upgrade to the Large Screen package.

Three months BT Sport and Chromecast for £40 via EE (out of stock)

The BT Sport in a Box promotion gives EE customers (on a 12-month SIM-only contract or pay monthly tariff but not 30-day SIM-only deals) three months of BT Sport Large Screen and get a standard Google Chromecast (RRP £30) for £45.

You’re effectively getting a free Chromecast with this deal, though you might want to check out offers for the new Chromecast instead.

If you’ve not had the free trial, those three months will automatically be added to your account when you sign up.

BT Sport on YouTube

Watch the Champions League final for free

For the last five or six years, BT has shown the Champions League final and Europa League final for free via BT Sport’s YouTube channel and on the BT Sport website for free! So anyone can watch without paying.

In 2023 the games are as follows:

  • 31 May: Europa League Final (Sevilla vs Roma)
  • 7 June: Europe Conference League Final (Fiorentina vs West Ham)
  • 10 June: Champions League Final (Manchester City vs Inter Milan)

Free Discovery+ with BT Sport

If you get BT Sport via BT TV, EE or Plusnet, you can get the Discovery+ package for free, which includes Eurosport. This is worth £5.99 a month for £59.99 a year.

This should include the monthly BT Sport pass, but not if you pay Sky and Virgin Media direct for BT Sport. You’ll need to activate the offer here.

How to watch BT Sport on your TV

So how do you get these options on your TV? 

Check for an app on your TV or smart device

You can watch BT Sport on your TV if you have the BT Sport app. This is available on

  • Samsung Smart TVs
  • Amazon Fire Sticks
  • Chromecast
  • Roku devices
  • NOW sticks
  • Xbox
  • PlayStation
  • Apple TV
  • Netgem

Buy an HDMI cable

As long as you have a laptop with an HDMI connector, you can just buy a cable to connect to your TV. This should be the cheapest option – but I prefer the smart stick options!

Sport on other channels

You can watch sport on Sky, Eurosport and Premier Sports. Here’s my guide to the ways to save on each of them.

The best deals

Find our picks of the best offers in our dedicated deals library

The corner shop stamp rip-off

Watch out when you’re buying your stamps – some retailers will be adding a hefty markup.

With most things I buy, I expect prices to vary from shop to shop. Bigger retailers will often try to undercut each other to attract your business. Smaller shops might have to charge more due to bigger overheads.

Now, I don’t have a problem with this. I’ll usually shop around for the cheaper price, but if I have to go to a smaller, convenience store, then I appreciate it’ll cost me more. Except that is for stamps.

Stamps should cost what stamps cost. Right? Well, I’ve found that’s not always the case, and I expect lots of people are unwittingly paying over the odds for postage.

And with recent price hikes from Royal Mail, it’s even more important to make sure you’re not paying too much.

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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How much do stamps cost?

Most stamps don’t have a price printed on them, making it hard to know how much they cost! The current price of stamps are as follows:

How much is a First Class stamp?

  • A 1st Class stamp is £1.65.
  • Large 1st Class stamps are £2.60

How much is a Second Class stamp?

  • A 2nd Class stamp is 85p
  • Large 2nd Class stamps are £1.55

How much is a book of stamps?

There’s no discount for buying a book of stamps, so just multiply the individual price by the number of stamps (usually 6 or 12).

Overcharging for stamps in small shops

A few years ago at Christmas I picked up a book of 2nd Class stamps from a small shop. I’ll call it a corner shop even though it wasn’t on a corner. But that should give you an idea of the kind of shop I mean – an independent off-license/newsagent/random groceries store.

Now we were in a bit of a rush, so just asked for £10ish worth of stamps (we were taking advantage of the Amex Shop Small offer which used to be you spend £10 and get £5 back). At the time (before the multiple price increases since!), a book of 12 was £9, so we asked for two more stamps to take us over the £10 spend we needed.

Since it had been so long since I actually bought any stamps, and without a price printed on them, I just thought they’d gone up in price. A lot.

But, actually they hadn’t. The price, as set by Royal Mail at the time was 56p (remember this was a few years ago). So I should have got 18 stamps for £10.08, rather than 14 for £10.50. It represented a huge 34% markup.

Now, with our £5 credit back on the purchase, we still saved money on those stamps – but most people won’t have.

So was this just a mistake? Or a one-off?

Even bigger markups elsewhere

To get an idea I asked the price of a stamp in three similar “corner shops” around the London Bridge area on the same day.

The first only sold 1st Class stamps and charged 90p. But this stamp – at the time of the research – should have been 65p, so the increase was a massive 38%.

The second charged 70p for 2nd Class, while the third wanted 70p for 1st Class. Though the markups were smaller, the shops still charged more than if you got your stamps at the Post Office.

Watch out for Amazon too

It turns out the same issue occurs online too. Expecting Amazon to be a useful place for people to buy stamps (and top-up orders for free delivery), I was shocked to see overinflated prices there too.

Of course I shouldn’t have been surprised. A huge amount of items sold on Amazon are not sold by Amazon. Instead smaller retailers use the online giant as a middleman. And it’s these shops which are selling stamps above the set price.

Here’s one from March 2023. The listing says you’ll get a 12% discount on four 1st class stamps. But at £5.69, you paid £1.43 per stamp. That was already well over the odds, even before the price increases we’ve seen since. So be really careful!

Can shops sell stamps at a higher price?

That’s the big question really. If they can, then they aren’t doing anything wrong by doing this. But there’s something about stamps that didn’t ring true. My instinct was this is illegal.

First I checked the Royal Mail website. The terms and conditions for authorised stamp sellers are they cannot sell stamps for more than the set price. So that’s pretty cut and dried.

However, it turns out selling above the set price is allowed. This rule only counts if the retailer has purchased the stamps direct from the Royal Mail. If they’ve picked them up elsewhere – a cash and carry for example – the shop can charge what it wants.

When this first happened in 2017, I also asked Royal Mail for confirmation, and here was its response:

“Any retailer who buys their stamps direct from us for resale must, under our T&Cs, sell them at face value or lower. This also applies to retailers who buy from us and sell stamps online.

“However, if a retailer has acquired stamps from somewhere else, we cannot bind them to this condition.

“There isn’t a way of knowing whether someone selling stamps has bought them from us or not, and we don’t provide signage to retailers. However, there are approx. 50k outlets across the UK where customers can buy stamps at the correct price.

“If a customer has any concerns about the price of the stamps they have been sold, they should contact our Customer Services team on 0345 774 0740 who can check if the retailer is a customer of ours and get in touch with them to remind them of our T&Cs”.

The best deals

Find our picks of the best offers in our dedicated deals library

Where to buy your stamps at a fair price

Ideally the safest place to get them at the right price is at a Post Office. Shops such as WH Smiths also sell at the correct price, as do all the major supermarkets.

If you are buying from a smaller or independent store, it makes sense to always ask how much a stamp is first. If it’s more than expected, I’d challenge them to see if they’ll charge the lower price. Otherwise, walk away and find somewhere else.

Make sure the stamp has a barcode

Since January 2023, standard stamps have a barcode, as shown in this article’s main image. If you’ve any older ones you can send them off to be exchanged for the new versions.

If you have picture stamps without barcodes, such as Christmas ones, then you can keep using these.

You also don’t need to worry about the stamp having the Queen rather than the King on display. Both will work just fine.

When do stamp prices go up?

If stamps are to go up in price it tends to happen in the last week of March or early April each year, though it can sometimes happen at other times. Fortunately, you can still use a stamp bought in a previous year for the postage marked on the stamp.

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Best ways to collect and spend Nectar points

If you have a Nectar card, are you making the most of your points?

If you shop at Sainsbury’s, you’ve probably got a Nectar card, and may even collect the points every time you visit without thinking much about it. And if you’ve been collecting points, you’ll need to spend them to get the most out of your rewards. But do you know how to use your Nectar points?

Like the Clubcard scheme and other loyalty schemes, you can rack up points at other retailers, including Argos. When it comes to redeeming points, you can spend them when shopping, exchange them at face value, or even swap them for Avios points.

Here’s how Nectar works and how you can sign up. Plus, I’ve shared tips for both collecting and spending Nectar points.

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 Nectar loyalty scheme?

Nectar is the loyalty scheme for Sainsbury’s and Argos, where you can earn points on your purchases. It’s actually owned by Sainsbury’s, but points can be collected and redeemed with other brands. As a member of Nectar, you can also access discounts on specific items when shopping, similar to Tesco’s Clubcard Prices.

How Nectar points work

One Nectar point is worth 0.5p, meaning if you earn 1 point from a purchase it’s the equivalent of 0.5% cashback. 100 points are therefore 50p, 200 points equal £1 and so on.

The value of loyalty card points offered by different schemes varies quite a bit, with Nectar points equating to half the value of Tesco Clubcard points. However, when redeeming Nectar points at other participating retailers, you could get more value out of them, so it’s worth keeping an eye out for the latest deals.

Nectar points value conversion

  • 1 Nectar point = 0.5p (or half a penny)
  • 2 Nectar points = 1p
  • 100 Nectar points = 50p
  • 200 Nectar points = £1
  • 500 Nectar points = £2.50
  • 1,000 Nectar points = £5
  • 2,500 Nectar points = £12.50
  • 5,000 Nectar points = £25

How to collect Nectar points

You earn points when you shop at participating retailers or fill up your car at participating petrol stations and scan your Nectar card. Bonus points can be earned at specific retailers or through special deals and promotions — we tend to share these promotions on our loyalty scheme deals page when there are good ones available.

To collect Nectar points when shopping in stores, you’ll need to either have a physical plastic Nectar card or a digital one stored on the Nectar app. When shopping online, you’ll need to either connect your Nectar card to the relevant account or shop via the Nectar website.

You can also earn when spending via Nectar credit cards, or by converting Avios points into Nectar points.

How to spend Nectar points

Your options for using Nectar points are more limited than with other reward schemes. You can use them in-store and online, such as at Sainsbury’s, to donate to charity, or spend them with a handful of partners.

To redeem your points, you’ll need to scan your card or the app in-store, while you can select to use them online. With some partners, you’ll need to convert your points into vouchers first. You can also choose to swap them for Avios points.

How to sign up to the Nectar scheme

The Nectar loyalty scheme is free to join. You can get a Nectar card online, via the app, or by picking up a form in a Sainsbury’s store.

Once you’ve got set up, a physical card will be posted out, though you’ll have a digital card to use via the app straight away.

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8 places to collect Nectar points

1. Sainsbury’s

Earn points as you spend

You’ll get one point for every £1 spent at Sainsbury’s. 500 points are worth £2.50, so this works out at 0.5% cashback.

Scan your Nectar card at the till to get your points, and keep an eye on the app or digital account for special offers which boost the number of points you’ll get.

You might also get vouchers for extra points at the till, sometimes doubling or tripling points on your next transaction; it’s just a matter of remembering to bring them to your next shop. If you wanted to, you could even buy a single, cheap item at the start of your shop to use any vouchers printed out on the rest of your shopping.

Get bonus points via weekly offers

As well as generic offers, you’ll also get ones tailored to your shopping habits. These change every Friday.

You have to save the offers to your account, though there’s a handy “save all offers” button. And of course you still have to scan your card at the till.

Nectar Prices

Nectar Prices are discounts for Nectar holders, similar to Tesco Clubcard prices. To get these, you just shop as normal, looking out for the Nectar price on the shelves. At checkout, you need to make sure you remember to scan your Nectar card, and the discount will be applied.

Your Nectar Prices

This sounds like it could be the same as Nectar Prices above, but Your Nectar Prices are specific to you. These come through weekly and will be based on your shopping history, potentially saving you money on things you’ll actually buy. There are only a few offers each week, but it’s worth having a peek when you get the notification.

2. Argos

You can also earn points at Argos. It’s one point per £1 spent, although it’s occasionally doubled. You’ll need to link your Nectar and Argos accounts before you can earn points.

3. ESSO

Esso replaced BP on Nectar back in 2019. You can earn 1 point per litre of fuel, or swipe in-store to get two points per £1 spent on other things, so roughly 1% back in points. When you get to 300 points it gets you 5p off every litre of fuel.

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4. Avios

You can convert 400 Avios points to 400 Nectar points, which is handy if you’ve got a surplus of Avios points that you won’t use. You can also swap them back the other way (you’ll only get 250 points though). This is also a way to boost the value of Amex Reward points. Find out everything you need to know in our step-by-step guide to convert Avios to Nectar points and vice versa.

5. Via Nectar credit cards

If you shop at stores that are part of the Nectar scheme often, it might be worth getting a Nectar credit card.

The American Express Nectar credit card is your best bet and will earn you up to two points for every £1 spent, worth 1%. There’s also a bonus worth £100 when you first sign up and spend £2,000.

If you’re thinking of getting a Nectar credit card, check out our best cashback and reward credit card promotions to see if there are better options for you.

6. Via Amex membership rewards

You can convert American Express Rewards points to Nectar points at a value of one to one, meaning one Amex point would be worth 0.5p. This could be a good use for large Amex welcome bonuses, which can be worth between £100 and £500, depending on the card.

7. Via utilities & insurance

You can earn bonus points for signing up for other Sainsbury’s Bank products such as home insurance, as well as Sainsbury’s Energy. Though they could be worth it, these offers shouldn’t be a reason to choose Sainsbury’s over other providers as they could work out more expensive than options you find via a full comparison.

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8. At other retailers

You’ll see many other brands listed on the Nectar website, such as Expedia and Very. To earn points via these retailers you have to click through via the Nectar portal. Most of the time you’ll get two points per £1 spend, so the equivalent of 1% cashback, but they can be more or less. There are often points boosting offers to look out for.

Participating Nectar retailers include:

  • ASOS
  • Just Eat
  • Expedia
  • Groupon
  • Europcar
  • Very
  • Dominos
  • Wayfair

These extra places to earn points might sound appealing, but I would avoid using them since you can usually beat these rates by clicking through a cashback site instead for a better bonus.

Where to spend Nectar points

Sainsbury’s shops

To use your points in Sainsbury’s stores you must have used your Nectar card in that specific store in the last year. You can also use them online on the Sainsbury’s website.

They can also be used on petrol but you have to pay in the kiosk, not at the pump.

Argos

You can use multiples of 500 points at Argos, each worth £2.50. To spend them in an Argos store, simply scan your card. To spend online, you must have connected your card to your Argos account.

Converting to Avios points

We think that most people are better off using cashback credit cards and air mile reward credit cards. You’ve got the flexibility to use your earnings how you want, and not be restricted to certain flights.

However, if you are an Avios fan, then you can boost your points by converting 400 Nectar points to 250 Avios.

Donate to charity

Nectar Donate allows you to give your points to charities using Crowdfunder. The points are worth the same as usual, so 1,000 points will be a £5 donation. There’s a minimum of 200 points, and it must be in multiples of 200.

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Other ways to redeem Nectar points

Nectar offers just a fraction of the partners you get with Tesco Clubcard, and fewer opportunities to boost the value. Some retailers let you swipe your card or link your card to use points. Others require you to exchange the points for a voucher or code via the Nectar website.

Spending your points isn’t particularly flexible or as straightforward as you might think. To recap, 500 points are usually worth £2.50. You also have to spend Nectar points in chunks (usually 500 points or 1,000 points) rather than choose how many you’d like to use. 

For example, you can exchange 2,000 points for £10 off purchases at Eurostar. Other poor options include swapping for movie rentals at Sky Store since you can get far cheaper rentals elsewhere. There are much cheaper ways to rent movies out there, so don’t rely on Nectar to save you lots of cash.

Nectar points special offers

Occasionally, there are offers that increase your points at Sainsbury’s and other Nectar partners, both to earn extra points and sometimes (though more rarely) to use them.

You can usually find any points offers in the Nectar app and website, so it pays to check every now and again, before your weekly shop, or when you’re looking to save a little extra.

When we spot any really good Nectar points deals, we’ll share them on our loyalty scheme offers page.

How to check your Nectar points balance

Not sure how many Nectar points you have? The Nectar app and website both contain your current points total, as well as a record of where and when you earned your points.

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How to lock your Nectar points

One downside of Nectar in the past was that anyone who found or stole your card could use your points. This was particularly bad news for those who had earned tens of thousands of points using credit card welcome offers. Earlier this year, Nectar introduced a feature that lets you lock your points to ensure they can’t be used without your authorisation.

To lock your Nectar points, you’ll need the latest version of the app.

  • Log in and you’ll see your points total near the top of the app screen, and below that a line telling you whether the points are locked or unlocked
  • Tap this to bring up a locked/unlocked switch
  • Toggle between these for when you want to use your points
  • It should unlock immediately, but it’s worth doing it a little before you want to spend the points to be safe, rather than wait until you’re at the checkout

This feature will only work for the main account holder, not additional cardholders.

NOW TV free trial, offers & deals

Get Sky Atlantic, Sky Cinema and Sky Sports without getting Sky – and pay less with these great NOW TV offers.

Sky’s NOW TV – or NOW as it’s been rebranded – can save you a lot of money compared to paying for TV via your broadband provider, whether that’s Sky, Virgin, BT or TalkTalk.

Despite recent price increases and fewer offers it’s still the cheapest way to get big channels such as Sky Atlantic, Sky One and more. You’ll also get HBO Max included.

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 NOW?

NOW is essentially an on-demand video streaming service, just like Netflix and iPlayer. The big difference is it lets you watch Sky channels. Why bother when you can do this direct? Well NOW is so much cheaper and more flexible. And you’ll see below there are always deals to bring the price down further.

Another great thing is that you can subscribe month by month, or even by the day for sports channels, rather than tie yourself into a year-long contract as you would if you had satellite or cable TV. Here’s Andy’s take on whether it’s worth the money.

It works best if you don’t watch ALL the different channels. That’s because films, TV and sport are all on different packages. Very cheap if you get one or two, but it can be pricey if you get more. And of course you need to consider if you’d be better off picking Netflix or Amazon Prime instead – there’s not enough time to watch all three!


How much is NOW?

Here are the full price costs for all the different NOW passes – but of course you don’t need to pay this. Check out all the deals on this page for ways to save.

  • Entertainment costs £7.99
  • Entertainment + HBO Max Pass costs £9.99 a month
  • Cinema Pass costs £9.99 a month
  • There are two Sky Sports NOW TV passes
    • A Day Pass costs £14.99 for 24 hours
    • A Month Pass is £34.99 a month
  • NOW TV Boost cost £6 a month or £9 a month
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New NOW customer offers and deals

The best offers are pretty much always for new customers. If you’ve never used NOW or NOW TV as it was known before, always start with one of these. If there’s a free or very cheap pass featured further down you can always add that at a later date. We’ve ranked them in the order of how good we think they are.

These offers are only for new NOW subscribers. Make sure you cancel before the prepaid package is up or you’ll pay full price for the following months.

At the moment it seems most of these introductory offers are for a minimum of six months, so you might need to weigh up whether you’d be better off paying full price for a single month and using the cancellation trick (more on this further down the page) to hopefully bring prices down without being locked in.

NOW Entertainment: £2.99 for 6 months

This new user offer requires you to lock in for 6 months, after which you’ll pay full price but can cancel at any time.

You’ll get:

  • Sky originals and exclusive US Shows
  • The biggest returning hits from HBO – such as Euphoria series 3
  • One month ad-free

This offer also comes with a 30 day trial of Boost or Ultra Boost. Includes ads.

NOW Entertainment & HBO MAX: £6.99 for 6 months

This new user offer requires you to lock in for 6 months, after which you’ll pay full price but can cancel at any time.

You’ll get:

  • Sky originals and exclusive US Shows
  • Every series from HBO Max Basic, such as The Pitt
  • One month ad-free

This offer also comes with a 30 day trial of Boost or Ultra Boost. Includes ads.

NOW Cinema: £6.99 for 6 months

This new user offer requires you to lock in for 6 months, after which you’ll pay full price but can cancel at any time.

You’ll get:

  • The latest blockbusters on NOW
  • One month ad-free

This offer also comes with a 30 day trial of Boost or Ultra Boost. Includes ads.

Reduced passes with NOW Broadband

If you change your internet to NOW Broadband, you’ll can sometimes find discounted NOW passes. The cost varies depending on when you sign up; we’ve seen it as little as £4 a month.

However, you are tied into the broadband and the NOW membership for 12 months. And it’ll go up to full price once the year ends.

NOW TV free trials (ended)

Sadly there are no longer any free trials for the main passes, though they could return. Usually you can trial “Boost” for 7 days though that’s not currently showing.

If you do get a trial and don’t want to keep paying then remember to cancel before the seven days finish to avoid getting charged full price.

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Existing NOW customer offers and deals

Most of the special offers are only for new customers, but there are lots of ways existing customers can save each month. Usually this involved either buying a gift card pass.

With the passes you will get a code which you can enter into your account. Go to the view passes page and you’ll see where to add the code.

There used to be deals offering passes included with a NOW box or stick, but the company no longer sells these.

Here are the best deals:

NOW cancellation trick

If you go to cancel your NOW pass, you’ll be asked the reason you are cancelling. Select the option saying it’s too expensive for you and you might be offered a discount to stay.

If that’s as good or better than the existing customer deals we’ve listed above, then you can accept it and pay less. This will be for a limited time, often three or four months, so don’t forget to repeat this process.

Do keep an eye on your emails too. It’s not unheard of for NOW to offer a discounted price after you’ve cancelled. Here’s more on how this trick works and how to cancel.

NOW email offers

It’s also worth having your email preferences set to allow promotional emails from NOW. They will regularly send promotions with discounts – most recently Andy signed up to four months of Entertainment for £1 a month.

This will only be sent if you don’t have an active subscription, another reason to hit cancel at the start of each month.

Netflix, NOW TV and Freeview box for £5/mth for six months (expired)

If you have BT or EE broadband (or sign up for it), you can add on a EE TV package that includes Netflix and NOW at a reduced price. At the moment, you can get it for £5 a month for the first six months. You’ll need to commit to 24 months, and the price will go up after the six month period and every year. However, it includes:

  • Netflix Standard with adverts (rrp £5.99 a month)
  • NOW Entertainment (rrp £9.99 a month)
  • Discovery+ basic (rrp £3.99 a month)

With this deal, you’re locked in for at least 24 months. For the first six months you’ll pay £5 and this goes up to £20 a month from month seven. It then costs £22 a month from 31 March 2026 and £24 a month from 31 March 2027.

You’ll need to factor in if you can get broadband for less elsewhere, and that you’ll be tied in for two years.

If you want HD Netflix you’ll have to pay extra – and it’s not clear how much more this is.

Similarly if you want HD and no adverts on your NOW pass that’s another £6 a month. And it’s often possible to get cheaper NOW packages direct with NOW – that might not be the case if you pay via your BT bill.

A similar model box will likely cost you £250, so if you’re looking at ditching pay TV elsewhere, this would be a cheaper way to get hold of it, with the streaming services thrown in (though you won’t keep it if you leave BT in two years time).

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Latest Sky Sports NOW TV deals

You need a separate pass for Sky Sports via NOW and there are often deals to bring the price down. We’ve listed them on our bespoke deals page for Sky Sports.

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Best credit card offers and promotions (July 2026)

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.

Santander: get £40 in Uber vouchers when you sign up for its cashback credit card

From 9 July 2026, new Santander customers who open a Rewards Credit Card can get up to £40 in Uber vouchers.

To get the first £20, you need to do the following within 30 days of opening your Rewards Credit Card:

  • Activate your card
  • Add it to your digital wallet – Apple Pay, Google Pay, Samsung Pay or Garmin Pay
  • Make at least 10 purchases using either your digital wallet or physical card
  • Have your Rewards Credit Card open until Santander invites you to claim your voucher

For the second £20, your Rewards Credit Card must stay open for 30 days after you claim your first £20 Uber Voucher.

Santander will check your account 30 days after you open it. If you meet the offer criteria above, they’ll email you a unique voucher code within 30 days. You’ll have 3 months to use it.

Best American Express welcome offers:

We’ve more details on the latest offers in our dedicated guide to American Express offers, but here are the top picks for the bonus available for new cardholders.

Boosted Amex welcome offers

Amazon: £50 welcome offer

You’ll get a £40 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.

Barclaycard Rewards: Boosted 1% cashback for 12 months when you apply in-app (ended)

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.

There are no fees for using this card abroad.

The offer ends 10am on 28th May 2026.

Virgin Atlantic: Up to 36,000 bonus welcome points (ended)

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 offers 18,000 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.

Offer ends 18 May 2026. 

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.

Barclaycard Avios: boosted welcome offer (ended)

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.

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John Lewis: double points for 60 days

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.

There’s no end date for this deal.

M&S: 5x points for six months

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.

Best 0% Purchase & Balance Transfer welcome deals

Before you get a 0% balance transfer card make sure you read my guide to how to properly use them to reduce the cost of debts.

Bonus cashback: Up to £25

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

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Best fee-free travel welcome deals

Most credit cards are expensive to use overseas, but a few are fee-free on transactions and withdrawals.

Best credit building credit card welcome deals

If you’ve got a poor credit rating then spending on a credit card and then clearing the debt completely each month can help boost your score.

I’ve written in detail about this type of card, so make sure you check it out.

Barclaycard Forward: £15 cashback

If you’re eligible for the Barclaycard Forward card, then you can apply via Quidco to get £15 cashback.

Tesco Foundation: £25 cashback

You can get £25 cashback when applying for the Tesco Foundation card via TopCashback.

Get paid to switch bank

Check out the latest bank switching incentives, plus the current accounts with the best rewards, cheapest overdraft and highest interest.

best bank switching offers
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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.

CardFeeRequirementWelcome bonusBoosted points
Virgin Atlantic Reward+£160 a yearSpend £3,000 within 90 days18,00018,000

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.

Barclaycard: £20 bonus and £15 cashback (expired)

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.

Halifax Clarity: £20 cashback (expired)

Sign up for a new Halifax Clarity credit card and make a transaction within 90 days to get a £20 bonus added to your card.

The Halifax Clarity won’t charge you for spending or using an ATM, but it will charge interest on cash withdrawals.

Yonder: 6 months free (expired)

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. 

Book offers & deals

This is where we’ll share top deals to save money on books

You know the feeling when you get a great book. And it’s even better if you’ve managed to get that paperback or hardback on a special offer or deal.

If you want to read some of our general tips to help you save money on books, then check out this article. For specific offers or launches of big titles we’ll share details below.

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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eBook offers

Kindle deals

There are so many ways to save on Kindle books, We’ve written this separate guide.

Audiobook offers

Apple Books: free children’s audiobooks

Apple is offering more than 50 free children’s audiobooks until 21 July 2026 to celebrate the National Year of Reading. You don’t have to do anything to get them — just go into the Apple Books app, head to audiobooks and you’ll see a banner that will take you to the offer.

Once they’re in your library, they’re yours for good.

BookBeat: 90 day free trial

You can 30 hours of free audiobooks via this offer for new BookBeat users.

After the trial it’ll cost £5.99 a month for 20 hours of listening with the basic plan, you’ll pay more for plans with further hours. You can cancel anytime.

Audible deals

We’ve a separate page for Audible deals, and a guide to how to save money with the service too.

Spotify deals

Premium Spotify users can get 15 hours of audiobooks every month. Here are the top Spotify deals.

Why you need more than one bank account and how many bank accounts you can have

Having one bank account isn’t just risky, it could be costing you cash.

Lots of people only have one current account. And if they’ve not yet switched it for some free cash, they’ve probably had it for a long time.

But limiting yourself to a single bank account — whether it’s through loyalty, indifference or simply not knowing you can have multiple current accounts — is a bad idea.

And opening up new accounts can bring benefits when managing and accessing your money – and even making some extra cash.

Keep reading or watch this video to see why I think you should have more than one account. 

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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Can you have more than one current account?

Let’s get this cleared up first. Yes, even though many think they can only have one, there’s actually no limit to how many current account you can open from different banks. You might even be able to have more than one from the same institution.

Due to my job, I’ve got a number of current accounts, but most of you won’t need anything near that many. In fact even just having two can be enough. 

And there’s very little risk in opening and running multiple accounts. I’ve shared a few things to consider further down the article.

10 reasons to have more than one current account

Here are the main reasons I think you should open up extra accounts.

If your bank has technical issues

We rely so much on online and app banking nowadays that not having access for even a few hours can be much more than an inconvenience.

This week Lloyds, Halifax and Bank of Scotland apps were all down thanks to the Amazon Web Services downtime, and that’s not the first time something like this has happened.

A debacle with TSB a few years ago, where systems were down for a couple of days saw people unable to access their wages or pay their rent. Though the length of time the TSB systems were down has been an isolated incident, occurrences of website crashes and app downtime for hours are increasingly frequent at a number of banks.

The risk of this happening to your bank is the number one reason why I think you should have at least two current accounts. In this second account, you should put enough money in that you can cover essentials for a few days. If you can put more, even better.

Make sure that this second account isn’t part of the same group as your other one, as these tend to share technical systems. So If you’ve got a Halifax account, make sure the second isn’t Lloyds, and vice versa. And the same goes for Natwest and RBS. First Direct and HSBC have different systems, but it can’t hurt to do the same.

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To separate your savings

When I was younger ,I was guilty of just having all my money in one account — savings and spending. This meant that I didn’t ever really know how much I had in savings, and it was possible to “accidentally” dip into those funds with everyday spending.

The answer to avoid this is to open up a separate account and move all your savings over. Then set up a standing order to regularly move more money each month.

You could, of course, put this cash in a normal savings account, but the top rates right now are in a handful of current accounts.

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To keep your overdraft debt separate

This trick also works if you have a huge overdraft. If you’re regularly in the red, it can be hard to track how much if you’re also spending out of the same account.

But if you open a separate account for your everyday spending, you can begin to treat and manage the overdraft debt as you would any other owed money, such as a loan or credit card. That’ll help you focus on clearing it (especially since you’re likely paying a huge 40% interest on that cash).

To protect your cash from scammers

Sadly, there are more and more scams aimed at your bank accounts. From fake phone calls through to phone thefts, you’re at risk if you have all your cash sitting on one place.

Of course, if a crook does get access to one account, they might also be able to access others at the same time, so make sure your accounts are protected in advance.

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To manage your money with someone else

Every couple manages their money differently. Some only have their own accounts and that can work fine, but joint accounts are particularly good for joint expenses.

You need to have a chat with your partner about what works best for you, and it could be a joint account is a bad idea — especially since it will link you on things like your credit report.

For help with budgeting

I think it’s worth having a separate account too for your everyday spending. You only move over the cash you want to part with, whether on a weekly or monthly basis. Ultimately this will stop you overspending and also help you keep track of where your cash is going.

There are certain accounts that make this a lot easier. Monzo, Chase, HyperJar and Starling are all really good accounts for this as they also have additional pots or spaces to further break down your spending.

To make some money

If you only want a maximum of two bank accounts, a really good option is to make sure one of them is going to be making you money.

There are plenty of accounts offering freebies such as Disney+ and cinema tickets or even money each month. The more of these you have the more you’ll get.

The best is probably a cashback current account. One from Chase will pay you cashback on supermarket and transport spending via the debit card.

To keep switching

I’ve made a lot of cash by switching from bank to bank and nabbing incentive bonuses each time. Now some people struggle with the idea of switching once, let alone repeatedly, and in part that’s because they like the bank they are with.

Well you can get around this by having a separate account that you just use for switching. The offers come and go, but there’s no harm having an account ready for when offers appear.

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If you need to go into a branch

I’d also try to ensure one of your accounts — and again this can work if you only have two accounts — has a branch that you can physically walk into if you need to. 

Though I rarely need to go into a branch these days, there are times I do. If you need to take out a large amount of cash, sign forms or pay in cheques, a branch might be necessary. However, some banks allow you scan cheques via the app.

Yes, you can cover a lot of this online or over the phone, but I like the option to go into a branch if I feel the need. And if you’ve multiple accounts, it’s easy enough to make sure one of those is local.

For fee-free overseas spending

A final one to add to your wallet is an account that offers fee-free spending abroad, such as Chase, Starling, HyperJar, First Direct or Monzo. We have a full guide to specialist travel cards to help choose one.

How many current accounts can you realistically have?

There’s no legal limit to how many current accounts you can have, but in practice a few things cap it:

  • Most banks will only let you hold one personal current account with them at a time (sometimes plus a joint account)
  • Each new application involves a credit check, and too many in a short space of time can affect your credit score
  • Banks can decline an application if they think you’re opening accounts purely to game switching offers

In practice, most people get the bulk of the benefit from two to four current accounts. Going beyond that, it’s really only worthwhile if testing and reviewing accounts is part of your job.

Do multiple current accounts affect your credit score?

Before applying for a new account, make sure your credit report is up to date and there aren’t any obvious warning signs. This is because you will be credit checked each time you open an account (except with Monzo, Chase or Starling).

It’s worth spacing the applications out rather than doing them all at once. And if you’re thinking of applying for a mortgage in the next six months, it’s wise to just hold off until that has gone through. But the risk is minimal.

I’ve written more about how bank switching impacts credit scores here.

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Opening up additional current accounts

It’s very easy. You simply pick which account you want to open and go through the application process. You’ll enter details about your address history and income, and share ID such as your passport or driving licence.

Some accounts will let you do this completely online, and will absolutely be the case for digital only banks such as Monzo, Starling and Virgin Money. You’ll probably need to upload photos of ID.

Others might require you to visit a branch with ID to complete the process. I can’t say which ones will and won’t ask for this, but this happened for my Natwest and Barclays applications.

Our podcast

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

Episodes every Monday.

How to manage multiple current accounts

Some benefits that come with additional accounts require things like additional direct debits or minimum payments in every month. But there are tricks to manage this.

You might also struggle to keep tabs of your many accounts, but some banks let you add on accounts from other banks. Password managers such as Bitwarden allow you to safely store all those different passwords and usernames.

And those only really become issues if you are having lots of accounts. If we’re talking about opening just two, three or maybe four accounts you shouldn’t have any problems.

Frequently asked questions

Can you have two current accounts?

Yes, there’s no limit on how many current accounts you can hold, even with the same bank, though most people only need two or three.

How many bank accounts can you have?

There’s no official cap on how many bank accounts you can have. Some people hold dozens for testing or reward purposes, but two to four accounts covers most people’s needs.

Is there a limit to how many current accounts you can open?

No official limit exists, though individual banks may decline extra applications and each new account triggers a credit check.

Does having multiple current accounts cost anything?

Most standard current accounts are free to hold, so having several doesn’t cost anything by default. Fees only apply if you choose a packaged or premium account.

What happens if you stop using a current account?

Dormant accounts are usually left open by the bank, though it’s worth formally closing any you no longer need to keep your finances tidy and reduce the number of accounts a fraudster could target.

Can you have a joint account as well as your own current account?

Yes, most people hold a personal current account alongside a joint account with a partner, and banks generally treat these as separate products.

Expert thoughts on having multiple bank accounts from Be Clever With Your Cash

Two accounts is a sensible starting point for most people — one for everyday spending and bills, and one that quietly earns something in the background, whether that’s interest, cashback or rewards. The biggest single benefit isn’t complexity for its own sake; it’s simply not having all of your money sitting with a single bank when its app or website goes down.

Technical failure risk is the one most commonly underestimated. There have been serious outages at major banks in recent years, some lasting days rather than hours, leaving customers unable to access wages or pay rent. Splitting money across two providers — ideally ones that don’t share the same underlying banking infrastructure, as is the case with Halifax and Lloyds — turns a single outage into an inconvenience rather than a crisis.

The other underrated benefit is psychological rather than practical. Separating spending money from savings, or an everyday balance from an overdraft being cleared, makes it much harder to accidentally dip into money earmarked for something else. It’s a simple structural trick, but remains one of the most effective ways to actually stick to a budget.

How do I open a bank account?

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

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

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

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

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

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What bank account do I need?

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

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

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

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

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

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

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

What happens when you open a bank account?

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

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

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

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

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

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How much will it cost to open a bank account?

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

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

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

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

How to switch your bank account

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

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

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How to complain if you’re not happy

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

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

FAQs

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

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

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

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

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

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


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

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