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Updated December 23, 2025 | Articles

How to cut the cost of your broadband and landline bills

It’s easy to pay far more than you need on your phone and internet service, but it’s also pretty easy to cut £100s off your annual bill.

I’m currently paying the equivalent of £19 a month on my landline and 100mb broadband with Virgin. That’s £28 a month less than the standard price, saving £336 a year.

It’s a big saving, and there’s no reason you can’t cut your bills too! And if you’re not on fibre broadband you should be able to get it for even less.

So how do you do it? My low Virgin price is a combination of a very good sign-up offer, a complaint about service and some good old fashioned haggling. And these aren’t the only way to save.

You can find out a little more about my savings in this week’s podcast, or read on for my tips.

I think there are four basic steps to save on broadband and landline. You don’t need to do all of these, but the more time you put in, the less you’ll pay.

Step 1 – Do some research

The best way to get a deal is to hunt around for the best prices and offers.

Use a comparison site to get an idea of your options.

There are plenty of comparison sites out there. I like Broadbandchoices.co.uk as unlike some of the others it works out the annual cost for you including extras. They also have a few of their own exclusive offers.

Watch out for hidden costs

Broadband companies are no longer allowed to hide the cost of the landline, but there could still be set-up and connection extras you have to factor in. Watch out too for the smaller print telling you how much you’ll pay in 12 or 18 months when your contract is up.

Look at the service ratings

A few years ago I wrote about the savings I made going for TalkTalk’s TV, phone and internet deal.

I’ve just crunched the numbers, and after cashback, bonus high street voucher, special offers and credit for poor service, I paid an average just £4.45 a month over the 16 months I was with them.

Pretty good eh? Except it was appalling service. So bad I was desperate to leave, which I finally managed to do without penalty payments. There’s absolutely zero chance I would ever go back to TalkTalk even if it was the cheapest service available.

So the lesson is, make sure you’re happy with the service you’re going to receive.

Know what you’re getting

Watch out for any broadband that has ‘traffic shaping’. This means they’ll cut your speed at busy times of the day.

Likewise, if you don’t stream a lot of TV or download much, you probably don’t need unlimited data or Fibre high-speed internet.

Work out what you need

Though more and more people don’t use a landline, it’s usually cheaper to get one alongside your internet.

If you’re mainly watching box sets on Netflix or keeping to the standard channels, think about if you really need a Pay TV package. If you do, then NOW TV can get you Sky channels for a lot less.

> Check out my comparison of NOW TV, Netflix and Amazon Prime Instant Video

Step 2 – Look for extra offers and discounts

If you’ve found some prices that look tempting, see if you can save even more.

Check for cashback

Always look at TopCashback and Quidco to see what cashback deals they have. I got £110 when I moved to BT in 2017, and have had as much as £189 back. This can sometimes work for existing customers too if you want to upgrade your package.

Plus, new customers can often get a bonus when they sign up to the cashback site, sometimes as high as £16.

Wait for vouchers and other freebies

BT, TalkTalk and Sky all offer freebies when you sign up. Often it’s high street vouchers or a prepaid Mastercard. You can even get free tablets, FitBits or TVs from time to time.

However, these promotions can come and go and the value changes frequently. If there aren’t any on offer when you look I’d wait a few weeks to see if that changes, though if you’re paying through the roof with your current supplier it might be better to just switch. Most recently we got a £100 prepaid Mastercard.

If you can combine cashback and vouchers, that’s even better!

Can you pay upfront for the line rental?

A final saving is to pay your line rental upfront for a year. Unfortunately, the discounts available have dropped from around £50 to just £15 to £20, and not all providers do this. Plus you it can make it harder for you to switch away if you’re midway through your year. Still, it’s worth a look.

Step 3 – Haggle with your current provider

Once you’ve got a sense of the prices and extra offers available, call up your current provider.

Check if you’re in contract

Do check you are out of contract before leaving and if you’re required to return any equipment. If not you may be charged for leaving early. But Ofcom figures show that 39% of people are out of contract – and likely paying more than they should as a result.

It’s not impossible to get out of a contract before it ends. If prices rise, you often get sent a letter saying you have 30 days to move. You can also try to leave if the service is really bad, but this isn’t easy.

Work out your target price

If your research has come up with some fab extra discounts in the form of cashback and freebies, factor them into your monthly cost. So if you’re looking at £120 cashback, that reduced your ideal monthly fee by £10. This is what your current provider needs to match or beat.

See what they offer you

Phone up your provider and ask to speak to the cancellation team – they usually have access to the best deals. Say you’re thinking of leaving and see what they can offer you. Tell them the research you’ve done and the prices you’ve found elsewhere.

They’ll usually try to keep you by offering a discount or extra services for free. If it’s the latter, have a think about whether you really want that extra or if you’d prefer a money saving.

Don’t feel pressured to make a snap decision. Just say you need to speak to your partner/housemates and ask them to call you back the next day.

Hopefully they’ll suggest something you’re happy with (it’s obviously easier not to switch). But if they can’t match the deals you’ve found elsewhere, it might be time to switch.

Still call if you are in contract

You might still be able to haggle a better deal, or even cut some of your services you don’t use.

Step 4 – Make the switch

If you’d made the decision to move, it’s pretty easy to do.

Sign up with the new provider

The new provider will sort out the switch for you and let you set a date for the move to happen. It should take place within a couple of weeks, though our move to BT took longer.

The only difference is Virgin. You’ll need to cancel directly with your current supplier and ask for a MAC (Migration Authority Code).

Don’t forget to go through the cashback site or comparison site if they are offering exclusive deals, otherwise you’ll miss out.

Chase for any owed money

When I left Sky a few years back I realised they hadn’t refunded me for the last month. If I hadn’t chased them, it’s unlikely they’d have paid! The same happened with TalkTalk who owed me £77.

Updated December 23, 2025 | Articles

Are you oversharing on social media?

Andy Webb

It’s easy to reveal more about yourself online than you realise – and that could help scammers and hackers.

This week a couple of blogging friends shared one of those little games that are so popular on Facebook. This one used your answers to tell you “Who you are”. The month you were born decided the first part of the answer, and the second part depended on which four-day date range your birthday fell into. So someone born between 12th and 15th of February would be a “Short Princess”, whereas 24th to 27th June would be a “Giant Unicorn”. Then you’re asked to post your answer in the comments below the picture.

Harmless fun right? Well, maybe not.

What those answers really reveal

Think about the information the quiz asks for.

By reading the comments posted for this game, I can work out the poster’s birthday within four days.

Ok, you might be thinking “What can they with just part of my birthday?”. Maybe nothing. But think about when you’ve had to go through security on the phone and date of birth has been one of the questions – particularly when asked for a four-digit memorable code.

People are rightly concerned when this kind of personal data is stolen in hacks like the ones on TalkTalk, Uber and Equifax, but they’re happy to share similar information when it’s presented as a bit of fun.

And this is done is in huge numbers. At the time of writing the game I mentioned above had 39,000 comments – and that’s just on one Facebook page. There will be many, many more comments on threads where people have shared the image.

This isn’t the first time I’ve seen this kind of data harvesting. When Facebook first started a popular one was to find your “pornstar name”. There were a few versions of this but the most common one was first pet’s name followed by mother’s maiden name. Oh, how we all laughed. Go on, do it now. It’s either very funny or incredibly dull (which is also funny). But don’t share it. Because, surprise surprise, do that and you’ve given away two key security questions.

Giving away access (and your data) to games and apps

You could also be giving away more information than you realise when you add extras to your Facebook account. By giving permission to apps, games and permissions you need to agree to what you share.

Some will just want your name and email address. But others will want your friends list, birthday and location.

The risk here is the game has only been created to get your data. And once you’ve given permission for Facebook to share it, those scammers can use the info against you or sell it to others.

The personal information we’re not even tricked into revealing

Social media was named as such because it’s about being social. And that means we’re likely to celebrate and share the things we love. Favourite bands and sports teams, pet names, family connections, anniversaries – even where we went to school. You might even proudly display your full date of birth including the year.

Do these all sound familiar? Yup, they’re all common security questions.

How to stop scammers finding your data on social media

As well as using the information you share to try to bypass security on your accounts, it could be used against you in other ways.

Often small parts of data can be merged with data found elsewhere to build up a bigger profile of you and your information. There could even be enough out there for people to steal your identity.

So how can you minimise this happening?

Well the first thing to do is make sure your social media accounts are locked down. Limit your Facebook page just to people you actually know, and then go through removing the obvious security risks such as your date of birth. You can remove your birthday on Twitter too.

Then just be careful about the games and quizzes you take part in. If any part of the question appears to reveal personal data, don’t take part. And only give access to any of your account data to brands you trust. On Facebook you can check which apps you’ve given access to.

Other ways oversharing could affect you

I’ve written about how I never reveal on social media if I’m on holiday or away from my house if there’s no one at home. The danger is you’re effectively advertising to thief’s that there’s an empty home ripe for a break in.

It has also been known for employers and recruiters to check social media accounts of prospective employees. Anything dodgy and there’s little chance you’ll get the job.

And sometimes old tweets and posts can come back to haunt you. It seems every month or so a footballer, politician or celebrity has to apologise for something they said online. To be fair most of these examples tend to be racist, homophobic or misogynistic and I’ve few issues with those people being exposed. But you might want to audit your accounts for anything you regret typing, and deleting as appropriate.

https://becleverwithyourcash.com/facebook-hacking-checklist-how-to-protect-your-data/

Updated December 23, 2025 | Articles

Be Clever With Your Cash is five!

Andy Webb

The highlights for me and the blog over the last 12 months.

I don’t write about me and the blog itself very often, but I find this anniversary each year is a good time to reflect on everything that has been going on. It’s actually been a huge year, with lots of change in my life, but all of it good.

This article is also an opportunity to thank you all for your continued support as the site turns five years old. I know the words I write and speak here on Be Clever With Your Cash can make such a difference to your finances, but without you reading, listening and watching it would all be quite meaningless. So thank you, thank you, thank you.

Here’s what been going on:

Leaving London, going freelance… and on to TV

At the end of February last year Becky and I upped sticks and moved to Yorkshire. The locals have a reputation for being a savvy bunch, so it seems like fate to have ended up here.

In another big change, last May I took the tough decision to go full time and leave the Money Advice Service where I’d been writing their blog for the previous four years, though only part-time for the last 18 months. I was looking forward to devoting more time to the blog, when quite unexpectedly a new opportunity came about… TV.

I’d had chats with TV production companies before, even making a “taster tape” at one point, but none ended up getting commissioned. This one was different, Channel 5 already wanted a new consumer series and the team at True North were looking for a money expert to be part of the team.

The initial chats were promising, and I hoped I’d get this small role on-screen to build upon my other TV experiences. You know that I did make the cut, alongside Gaby Roslin and Fiona Phillips. Shop Smart Save Money had an initial run of three episodes in June 2018, returned for another eight in the autumn.

I didn’t expect quite how large my role would end up being. I’m loving going out and meeting a different family each week, and even more so sharing tips and tricks every week in the studio. We’ve just started filming for another batch which will air in the spring – and I found out last week that I’ve been shortlisted for the Financial Broadcaster of the Year award at the Headlinemoney Awards for my work on the show. Exciting stuff!

The site

The TV work actually takes up as much time as my two days a week at the Money Advice Service, so sadly I’ve not been able to expand my time on Be Clever With Your Cash. But that doesn’t mean the blog hasn’t continued to do well.

One million different people have visited the site in the last 12 months, totalling 1.4 million different page views. Imagine one person saved £1 for each of those views… a huge amount of money saved, and I really think the figure could be much, much higher.

The articles and deals

I wrote a total of 122 articles, and regularly found and updated hundreds of deals. Once more I still didn’t have the time to write about everything I wanted to. My highlights, in case you missed them the first time around, are:

Sadly the last year saw the end of the popular NUS card trick, and it looks like Zeek’s cut-price gift cards are also now finished. So I’ll keep working hard to find new ways for you to get the best discounts and help your money go further.

The podcast & YouTube

Cash Chats clocked up 35,000 listens in 2018. Though I’ve taken a bit of a break over the last few months it’ll return in March with brand new episodes. Plus you can now listen on Spotify!

YouTube also took a bit of a back seat during filming, and with house renovations about to start these videos might not return for a few months. The most popular has been “Why I’m saying no to a smart meter“, which so far has had almost 5,000 views.

Another big award win

When I wrote the article for the site’s fourth birthday, my highlight was winning Financial Blog of the Year at the 2018 Headlinemoney awards. It says a lot about this year that winning it for a second time last May wasn’t the biggest news! But it was amazing to win the award again.

What do you think?

I’d love to know what you think about Be Clever With Your Cash so I can make it even better for you. If you have a few minutes, please do fill in the survey below.

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Updated December 23, 2025 | Articles

Why I didn’t tell you I went on holiday

Andy Webb

I’ve just got back from a week away. But I didn’t post any pics on Facebook or Twitter while I was away. I didn’t mention it anywhere on my blog.

Of course I wanted to. Surely the whole point of holiday snaps on social media is to say “look at me having a lovely time while you’re still at work!”, all posted while cackling a Bond villain laugh.

And professionally, I wanted to let you lot know why I might not respond as quickly as I could to comments or emails. I scheduled all my new articles in advance and even had the newsletter and social media posts prepared in advance so it would seem like (relatively) normal service.

So why did I go incognito? Why all the effort to make things seem normal?

Well it’s really simple. I didn’t want you to know my house was empty.

I don’t know about you, but any time I get back from a trip away I always approach my house with a little trepidation. Could we have been burgled? Fortunately we never have, but I’ll do what I can to avoid it.

Obviously doors and windows are locked. A neighbour picks up the post and brings the bins back up. We’ve got timers on lights too. Standard stuff.

But not revealing that I’ll be away is equally important.

Advertising your absence

When you check in on Facebook that you’re at Heathrow Terminal 4 ready to jet off somewhere, you’re telling anyone who can see your page that you’re off on hols.

When you tweet a snap of some badly translated t-shirt in Asia, you’re clearly saying you’re not at home.

When you Instagram a photo of your Spanish tapas, again you’re telling people you’re away.

And, sadly, this could mean there’s a higher chance you will be burgled. You’ve been publicly saying you’re home is empty – a fantastic opportunity for any thieves.

“But it’s just my mates on Facebook”, you might be thinking. Yeah maybe. But is your security as tight as you think? All it takes is for a friend to like your post and it could then appear on another wall. And for most people, Twitter and Instagram are open to everyone. Everyone.

It’s a weird test, but next time you see a friend share their holiday online, head over to their house and take a look. I’d imagine you could find a lapse or two in security. And you’re not even a professional burglar (at least I hope not).

If the movie Home Alone was to be remade now, all The Wet Bandits would have to do is quickly check the McCallister’s Insta feed to see the family was away (except for Kevin of course).

> Are you following me on Twitter? Click to see my updates (except for holidays..)

Social media could even stop an insurance claim

Still, there’s always the hope it won’t happen, and hopefully if your home is broken to while you’re away, you’ve got insurance to cover any loses.

But it’s not that easy. You’re insurer might check back on your social media posts to see if you’ve advertised your absence to thieves. In the same way your claim would be rejected if you left a window open, social media posts about an empty property could be seen as neglectful on your part. That would mean no compensation for everything stolen. No repairs to broken doors or windows. You’d have to find the cash yourself.

So when you head off on your hols, maybe you should do as I do and take a break from social media. It might just stop your home being burgled.

> I hate buying insurance, but it’s a necessary evil – here’s how to save

Updated December 23, 2025 | Articles

The best of 2019

Andy Webb

Catch up on the top articles, podcasts and videos from the last 12 months.

As we say goodbye to 2019 (and the decade) I thought it would be a good time to look back on the most popular content from Be Clever With Your Cash.

Here on the blog I’ve written 149 articles and shared 284 special offers (not including hundreds more over the Black Friday weekend). I’ve produced 53 podcasts and 33 videos, as well as 8 hours of Shop Smart Save Money on Channel 5.

No doubt even the most regular readers among you won’t have managed to take in all that money-saving and making content. So here’s a quick month-by-month list of the highlights that are still well worth a look.

January

Back at the start of the year, I wrote about how you could fix your finances in 2019. This four-part series is a must-read if you want to get on top of your money.

February

With heavy snow, flu and a Brexit no-deal on the cards (nothing changes!) I looked at stockpiling for an emergency, as well as some tips for getting the most out of your freezer.

March

Most people I speak to are overspending on their mobile phone bills, with having too much data one of the biggest reasons. Here’s my article where I shared how you can work out just how much you need.

Meanwhile, on the podcast I took listeners through each of my 14 current accounts and why I’ve got each one.

April

At last year’s SHOMOs awards, my article on why supermarkets shouldn’t be shouting about cheap chicken picked up second place in the Blogpost of the Year category.

May

One of the most popular articles of the year looked at whether it’s worth selling books, DVDs and CDs online, covering places like Music Magpie, CEX and Ziffit.

June

I covered reusable bottles and coffee cups earlier in the year, and in June I shared how you can get free water top-ups on the high street – cutting the need to buy single-use plastic bottles.

July

Travel content was a hit as summer approached with this article on getting the exchange rate on holiday currency

August

Really popular was my article where I shared why you should have more than one bank account. You can also listen to me talk about the topic on my podcast.

September

In September I revealed why new rules mean you might find your debit card is declined.

Meanwhile over on the vlog I explained how to switch bank accounts (and take advantage of all those switching incentives).

October

One of the new ways to save some money this year is the Tesco Clubcard Plus scheme which launched in October. Here’s how regular Tesco shoppers could save hundreds of pounds by signing up.

November

I’m a huge fan of cashback as a way to get a little extra back each time I shop, so in November I shared how I’ve made £4,000 in the last six years.

The month also marked 100 episodes of my Cash Chats podcast, and to celebrate I shared how you can get hundreds of pounds of free cash!

December

This month has obviously been dominated by Christmas tips, but I also wrote about really important changes to overdrafts which have seen interest rates jump to 40%. If you ever use your overdraft you need to read this.

Updated December 23, 2025 | Articles

Be Clever With Your Cash is six!

Andy Webb

The highlights for me and the blog over the last 12 months.

As has now become tradition, I use Be Clever With Your Cash’s birthday as a chance to share with you the good and the bad from the last year.

I rarely write about “blogging” itself or the challenges of running my own business, so also it’s a good opportunity for me to reflect on how things have gone and give you a bit of an insight into what happens behind the scenes.

Plus, I’d really appreciate it if you can fill in my annual survey so I can get your feedback on everything I do.

The business

It’s been a pretty big year for me. Though I quit my job at the Money Advice Service in May 2018, I immediately went on to work at least two days a week on Shop Smart Save Money on Channel 5 for just over a year. So it wasn’t until that finished last summer that I was finally 100% self-employed.

I’ve been looking forward to this for a long time, but when it happened I actually found it really overwhelming. I’d put off so many ideas and tasks until I had more time that when that time finally came I had a bit of paralysis in terms of what to actually do. Which meant I didn’t actually do anything new!

Fortunately, that only lasted a few weeks after I realised I still couldn’t do everything I wanted. So I focused instead on kick-starting my Cash Chats podcast and YouTube channel which had both taken a back seat during filming (more on those later).

I still don’t have enough time to do everything I want, but I’m really enjoying the ability to help you all as well as reach new people via these other formats.

There have been other challenges too. I’m essentially on my own in my basement office five days a week, so I do miss having colleagues around me. One thing that’s helped is a weekly video chat with some of my fellow money bloggers from my UK Money Bloggers community, many of whom are in the same boat.

But there are good things too. I love that I’m not constrained by working 9-5, or Monday to Friday. I’ve been playing tennis twice a week in the day and (despite how expensive my local David Lloyd club is) it’s the highlight of my week. I occasionally let myself sneak out to the cinema too!

The blog

My focus, of course, has been the blog itself, and it’s gone really well – though it’s not always been a certainty!

Most of my traffic comes from Google searches, which can be quite unpredictable. Every month or so Google releases an “algorithm update”, which (in theory) makes the search results better for everyone. As someone who runs a website these changes can actually be a little scary.

I’ve had months where previously popular posts have lost most of their traffic after an update, followed by them regain much of what they lost with a later change.

It’s frustrating, and particularly hard to keep on top of this as a lone blogger when you’re competing for the top results with massive publishers backed by team’s who’s only job is “Search Engine Optimisation”, aka SEO.

But even with these ups and downs, pages on the blog have been viewed just under 1.6 million times in the last year, with November getting 179,000 odd views – both best-ever figures since I started.

And obviously that all adds up. In a few weeks time, Be Clever With Your Cash will have been visited by its 4th million person since it launched. When I started the blog I never imagined I could help this many people.

It’s impossible to know if every person has taken some action after they’ve read something I’ve written, and the amount they’ve saved or made as a result. But I like to think everyone one of them has saved at least £1. Just a quid.

I think that’s more than fair seeing as I’ve shared dozens of ways you can save hundreds of pounds over the years. And that means the blog has helped save the UK £4 million. At least!

The blog also picked up Best Personal Finance Blog and was chosen as runner-up for Best Money Saving Blog and Article of the Year at the 2019 SHOMOs.

The podcast

I’m probably most proud of Cash Chats in the last 12 months. Though I started it three years ago, this year was the first time I really felt I knew what it was and who it was for.

Part of that was realising that it is its own thing with its own audience. Yes I’m sure of you regular readers also listen to the podcast, but many people are coming to the podcast without even knowing about the blog.

I’ve also been more committed to getting an episode out every week, and as a result the listenership has grown since the relaunch in July. I’m not quite sure how the Apple podcasts charts work, but it’s also peaked at number 20 in the Business chart and number 5 in the investing chart (even though it’s not about investing!).

There’s been wider recognition too, receiving recommendations as one of the best money podcasts by Good Housekeeping, the ‘i’ and Stylist, as well as featuring in Apple Podcasts’ “Be A Better You” curation.

To cap it all off, it was awarded Best Money Podcast at the 2019 SHOMO awards in September, beating some excellent and well-established shows.

If you’ve not listened to Cash Chats before you can stream or download it here.

TV and YouTube

My Channel 5 series Shop Smart Save Money returned for another eight episodes last summer. It was such a privilege to work on this show, in particular getting to meet different families who really needed my help.

I really think we made some great TV, and I was delighted to be shortlisted for Financial Broadcaster of the Year at the 2019 Headlinemoney awards for the work on the show. I’m hoping I’ll be back on your screens soon (any TV producers are welcome to get in touch!)

In the meantime I’ve been upping my game on the videos I make at home for the blog and my YouTube channel. Previously I’d just used my phone, but this summer I invested in a decent camera, microphone, lights and even some fancy furniture for a nice background.

It’s hard work growing the YouTube channel – like the podcast it seems it’s a different audience again – and I’m still learning. It certainly takes up a lot of my time! But once more I’ve seen some really strong progress.

The big editorial change I’ve made from previous videos is the move from short two or three-minute clips to videos that last 15 to 20 minutes. I’ve always been someone who prefers to read an article, but it’s good to be able to help those who prefer to watch.

If you haven’t already, please do subscribe, and hit the thumbs up button or comment on any videos you watch – it all helps.

New this year has also been a special “deals of the week” video every Thursday morning for social media, which allows me to talk a bit more about the offers I feature in the weekly newsletter. You can watch follow me on Facebook and Instagram if you want to catch it.

My annual survey

It’s so important to me that any content I produce for you is what you actually want to read, hear or watch. So please do take a few minutes to answer this short survey.

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Updated December 23, 2025 | Articles

How to stop spending money

Andy Webb

The tricks to help you avoid shopping addictions, impulse spending and payday splurges.

It’s easy to get carried away when shopping and come home with an impulse buy (or two). There’s nothing wrong with that – as long as you can afford it and use what you buy.

If you can’t, or there’s something else you’re struggling to save for, then it’s time to stop spending money when you don’t need to.

In this video I’ve shared how you can identify, reduce and then block your bad spending habits.

For more videos, please do head on over and subscribe to my YouTube channel. If you can also click the thumbs up for this and any other video on the channel I’d really appreciate it.

How to stick to a budget

Andy Webb

Simple tricks that’ll help you stay on budget.

If you’re always overspending and struggling to stick to a budget you’re not alone. It can be tough keeping track of where your money is going.

So in this video I’ve got a few simple tricks you can use that’ll help you work out not only how much you really can afford to spend, but ensure you’ve got the flexibility to adapt.

Subscribe to Andy’s YouTube channel for more videos. Plus please click the “thumbs up” icon as it helps the video appear higher up in YouTube’s search results.

The best mobile bank: Monzo vs Starling vs Revolut vs Monese

Andy Webb

Should you move to a digital-only bank? And if so which one is best?

The world of fintech has brought about a revolution in banking, with digital challenger banks such as Monzo and Starling leading the way with their app-based current accounts, along with Revolut, Monese and the now defunct N26.

These mobile phone only banks are changing our relationships with money, by making it easier for us to track our cash, budget our spending, separate our savings and pay our bills.

Plus they are fantastic for spending on your holiday as there are no fees on transactions and most cash withdrawals.

In this video I…

share how to open an account with Monzo, Starling, Revolut and Monese
review the key features
break down any charges
explain how to withdraw and pay in money
look at whether they’re safe to use and if your money is protected
compare them to let you know which bank I think is best for you.

For subtitles, press play and then hit the CC button at the bottom of the video (you might need to tap the video or hover your mouse over it) and you’ll be able to get auto-generated subtitles.

For a transcript, you’ll need to click through to YouTube. Then hit the three dots under the video to access all the subtitles at once. Remember they have been auto-generated by YouTube so there might be the odd word where it thinks I’ve said something else.

If you find this useful, please click to watch this video over on YouTube and then click the “thumbs up” icon as it helps the video appear higher up in YouTube’s search results.

Don’t forget to subscribe to my YouTube channel for more videos.