Urgent mortgage alert, 35mth 0%, Asos/H&M sales, cheapest iPhone 13, free films

BIG MoneySaving successes, track Santa, FAST b'band £18/mth, how to do good at Christmas

Plus... BIG MoneySaving successes, track Santa, FAST b'band £18/mth, how to do good at Christmas

                                                           

22 December 2021 | View in browser

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THE TOP TIPS IN THIS EMAIL 15 HUGE MoneySaving successes of 2021, including £17k chargeback, £8k council tax back, £3k eBaying Urgent. Check if you can save £1,000s on your mortgage The MoneySaving guide to doing good this Christmas New. Huge 35mth 0% debt shift 'Boxing Day sales' on NOW, including Asos Cheapest iPhone 13 contract we've seen Free Amazon, Apple and more streaming trials 108Mb FAST broadband '£18.40/mth' Martin's charity auction HSBC bank transfer warning How to give FREE Christmas gifts Track Santa on Christmas Eve Used Klarna, Clearpay, others? Help us This week's best buys, including £100 bank bribe,10GB Sim '£5/mth', top car insurance comparisons Should I rent out my house if my daughter has to stay elsewhere when home from uni? BEST BUYS & TOOLS Cheap Energy Club, incl Pick Me A Tariff MSE Cheap Mobile Finder Credit Club incl free credit report 0% Balance Transfers Compare Broadband deals Cheap Car Insurance Best Bank Accounts Top Savings Accounts Credit Cards for Bad Credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage Comparison Free online complaints tool - Resolver Compare Travel Money Best Sim Only Deals

15 HUGE MoneySaving successes of twenty twenty WON - can you win big too? Including... - £17,500 chargeback after bathroom botch - £8,200 overpaid council tax reclaim  - £3,000 flogging rubbish on eBay As another difficult year ends with bad news aplenty, we wanted to lift the mood by warming your cockles with inspiring MoneySaving successes from people who used our tips in 2021. Hopefully they provide motivation for you to follow in their footsteps, whether they righted wrongs, manipulated loopholes or ditched dire deals. So pick up a mince pie, pour yourself a warm mug of something nice, and indulge in a little festive cheer... 1) 'I got a refund of over £17,500 via CHARGEBACK after rogue traders ruined my home.' If something goes wrong with goods or services you've bought, you've a couple of ways to try to claim money back from your credit or debit card firm. One is via the chargeback scheme, where you ask your card provider to get the money back from the supplier's bank for you. It's a customer service promise from card providers, rather than what's often stronger protection under Section 75 (see below), but chargeback can be key when Section 75 doesn't apply.  Andreja used chargeback in November, resulting in the biggest success we can remember seeing: "When rogue traders botched our bathroom, doors and windows a few months ago, I asked our bank for a chargeback and received a full refund of £17,527. Without your advice I'd never have thought of doing this. Thank you so much." PS: Under Section 75, by law credit card providers (not debit) are liable if something goes wrong for items that cost over £100 (up to £30,000), even if you only paid a 1p deposit on the card. Back in 2014, Linda used it to claim a HUGE £23,500 when her kitchen supplier went bust. 2) 'I saved £450 buying my dream coffee machine via the little-known AMAZON WAREHOUSE.' This is the often hidden part of Amazon that flogs returned or slightly damaged items for a fraction of the price. See our Amazon Warehouse blog for how to bag a discount on something you were planning to buy anyway. Hamish emailed us in August: "Thanks for the tip. I bought my dream coffee machine when I found it for £550 instead of £1,000. It works brilliantly but is missing two minor pieces which I've found online for less than £20." 3) 'I've saved £840 over two years SWITCHING BROADBAND.' Over seven million are out of contract and overpay for broadband. In fact, some spend an eye-watering £45/month (£540/year) for the slowest speeds when most can more than halve costs, and get faster speeds by pouncing on hot, short-lived deals. Use our Broadband Unbundled tool to find the top deals in your area. Kathy used it in November and bagged a massive saving: "When BT notified me my contract was ending, I used your comparison and switched. Over the 24-month contract I will save around £841." 4) 'I got £6,200 back for reclaiming PACKAGED BANK ACCOUNT FEES.' They're the Marmite of banking. While they're good value for some, packaged bank accounts were mis-sold on a mass scale to others. If you're paying a monthly fee for account extras you don't need or can't use, our packaged bank account reclaim guide and tool can help. Phil got in touch with us after using it: "I saw the section about claiming back money from a packaged bank account. After filling in your template I got refunded £6,200 from Lloyds. You guys made it so easy for me. Thanks once again." 5) 'I made £3,000+ FLOGGING RUBBISH that I was planning to just recycle.' Shops do stocktakes... most of us don't. Yet many have £1,000s of items sitting in our homes we don't use enough to justify keeping. And you might be surprised by what others are willing to pay for items such as jam jars or toilet roll tubes. Our Flog your junk guide tells you what we've seen sell, and how to do it. Karen emailed us in April after she made £1,000s from selling crisp packets: "It's worth checking just about anything before you throw it away to see if you can sell it. I have a collection of empty crisp packets from the 1980s. Was planning to recycle them - but checked eBay and found people actually buy them.. over the last few months I've sold around 250 for £3,040...one even sold for £170. Thanks for all your great weekly tips." 6) 'We reclaimed £8,200 in COUNCIL TAX after 24 years in the wrong band.' Up to 400,000 homes in England and Scotland may be in the wrong council tax band because the original valuations were slapdash. Yet it takes just 10 minutes to check before making a claim - our Council tax bands guide has the full system. Suzanne and Sami emailed in October with their massive win: "After reading Martin's advice, we checked our council tax band. Ours was higher than our neighbours', so we went through the process and received an £8,192 refund - after paying the wrong amount for 24 years. Thank you. Martin... keep up the good work." 7) 'I'll save £1,900 in interest after using your eligibility calculator to find a 0% BALANCE TRANSFER card.' If you pay interest on credit or store card debt, STOP. With a balance transfer, you get a new card to pay off debt on old cards, so you owe it instead, but at 0% interest. The toughest part is acceptance, so use our 0% Balance Transfer Eligibility Tool, which shows which top cards you're most likely to get before you apply. See below for info on Virgin's new 35-month card or Top balance transfers for full help and options. Patricia's email in June shows huge savings are possible: "I used the eligibility checker for balance transfers and received the card yesterday. I've 18 months at 0% and have saved what would have been £1,940 in interest." 8) 'I saved over £2,000 following your CAR INSURANCE tips.' Our main tip to get cheaper car insurance is to never auto-renew, but following our tried-and-tested four-step car insurance cost-cutting system in full helps you drive costs down even further. We're inundated with success stories from those who've done so, but Mitchell's saving in November is the biggest of the year: "Followed your tips by checking 23 days before. You won't believe it, I saved over £2,000 with Direct Line versus my renewal price and comparison site quotes. Thank you."  9) 'I saved £750 a year HAGGLING OVER MY SKY BILL.' The best savings usually come from switching, but if you don't want to, haggling with your existing provider can help slash costs. See our full help and tips in How to haggle with service providers. Luke emailed us in July after his huge win: "I used your haggling information with Sky as my contract was coming up for renewal. I've got them down from £133/month to £70/mth for TV, movies, sports and a Netflix add-on - a saving of £756/year. Thank you MSE." 10) 'I'm saving over £650 a year after switching to a WATER METER.' As a rule of thumb, if you're in England or Wales and there are more or the same number of bedrooms in your home as there are people, it's worth checking if you'd save with a free water meter. Matt emailed us a few weeks ago after he pulled the plug on overpaying: "We switched to a water meter and overnight our direct debit went from £83 to £28, saving over £650/year. So easy to do as well - filled out an online form and it was fitted within a couple of weeks. No disruption or hassle at all. Thanks." 11) 'I got an extra £1,600 back by reclaiming TAX ON MY PPI PAYOUT.' With successful PPI reclaims, you didn't just get what you paid back - lenders and insurers also needed to add annual 8% statutory interest on top. This counts as savings interest, but unlike savings, 20% tax is automatically deducted from interest on PPI reclaims. And as most can earn £1,000/yr interest without paying tax, if you got a PPI reclaim  payout since April 2017, you may be due some back - Martin's Reclaim PPI tax blog shows who can claim and how to do it. As Richard found out: "Thank you for your advice regarding PPI, Martin. Just had a cheque from HMRC for £1,633 for my claim for tax paid on my PPI payout. I had no idea about the possible refund until I saw your programme on it." 12) 'I got a year's 2FOR1 at CINEMAS & RESTAURANTS for just £1.' This is all about manipulating the Meerkat Movies and Meals promo. Reuben took it to the max, as he emailed in July: "My daughter wanted to go to the cinema... so I bought travel insurance for one day - it cost me £1.01. Instead of paying £18 at the cinema it was just £9, then we went straight to Pizza Hut and saved 50% on the bill. I thank you." 13) 'I got £1,220 by claiming and backdating the MARRIAGE TAX ALLOWANCE.' More than two million eligible couples miss out on this easy tax break, worth £252 this tax year and paid via a tax code change. You can also backdate it by four tax years if you were eligible, which can net you a cheque for up to £970 on top of this year's gain. See our Marriage tax allowance guide for who qualifies and how to claim. Reva got in touch back in October: "I just got a cheque for £970 from HMRC for backdated marriage tax allowance and will save £250 this year, I can't thank you enough. It only took about a week and is an absolute godsend just before Christmas." 14) 'I saved £3,800 in interest by switching to a CHEAPER LOAN.' If you're paying off a personal loan, it's worth checking if you can switch to cut costs, especially with rates from 2.8%, which is close to the lowest ever. See our Cut existing loan costs guide for step-by-step help. Nicola emailed us in August with her saving: "Thank you so much for your tip about loans in this week's email - I have just saved £3,788 by switching my existing loan. As a single mum, this is massive for me." 15) 'I got £6,000 of BANK CHARGES back - now I'm debt-free.' If historic overdraft charges put you into financial hardship, or made your situation worse, check if you're eligible to get them back. Shaz emailed us her story in November: "I was constantly in my overdraft and more, and never came close to paying it. I tried to talk to the bank, but it was no help at all. After going to the ombudsman, the bank agreed to pay me back over £6,000 meaning so I am now totally debt-free. If it wasn't for you Martin, I would never have been in the position I'm in now. Thank you." PS: If these success stories have inspired you, please tell us how much you saved, made or reclaimed. ____________________________ Given the festive schedule, next week's email will come a little later than normal, on the afternoon of Wednesday 29 December. In the meantime, if you're celebrating, we wish you the happiest of Christmases from all of the MSE team.

 

 

DON'T believe the fake 'Martin Lewis' or 'MSE' ads Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

 

 

 

Urgent. EVERYONE should check their mortgage after last week's base rate rise. Many can still save £1,000s The 0.1% to 0.25% rise isn't huge but the signal is - so cheap deals may disappear soon The Bank of England issued a wake-up call last week for millions of mortgage holders, as it raised the base rate - which underpins many mortgage rates - for the first time in 3yrs. The good news is rates for switchers are ultra low and had largely priced in last week's rise, but they may not stay low for long as many economists also expect further base rate rises in 2022 to combat soaring inflation. So everyone with a mortgage should at least check their situation and see if they can save £1,000s by switching. There's tons of help in our 64-page Remortgage guide, but here's the key news... Will my payments go up? That depends on what type of mortgage you're on: - On a fixed rate? Don't panic - there's NO CHANGE till it ends. About 75% of mortgages are fixes, so many are protected. - On a variable rate? Costs are likely to rise. If it's a tracker it tracks the base rate, so it'll jump by 0.15 percentage points, which adds about £8 per £100,000 of debt to a monthly payment. If it's a standard variable rate (or linked to an SVR), while it's not certain to rise by the same amount, it's likely to. See lender-by-lender rate plans (though some are yet to confirm). EVERYONE should check their mortgage - and many can switch to save £1,000s. Dig out your paperwork, so you can note the type (fixed or variable), rate, when any intro deal ends and more. If you fall into any of these categories, then it's worth checking if you can save with a new mortgage deal: - Those on an SVR, as you likely already massively overpay and it'll get worse. On a £150,000 repayment mortgage, a typical 4% SVR costs about £2,300 a year more than the top 0.89% 2yr fix after fees, so big savings are possible. - Those whose fix or tracker ends within 6mths, or those who can leave their deal penalty-free. You can lock in a deal up to 6mths ahead, so it's prudent to check now as rates are still ultra low and are predicted to rise. - Those on an expensive fix or tracker that's not ending soon (though here savings are less certain). It's about weighing up lower monthly payments versus early repayment charges. Use our Ditch your mortgage? calculator to help. If none of these apply, set a calendar alert for when your mortgage has six months to run. But if you think you can save, you can benchmark a cheap rate using our Mortgage Best Buys comparison. Then, speak to a good mortgage broker - they've extra info to help match you with the best deal you're likely to be accepted for, plus have access to special deals. Our Remortgage guide will take you through it step-by-step. PS: The base rate rise also impacts savings. While those with fixed rates won't see a change, those on variable rates might see a small gain. Yet if you're getting less than 0.7%, it's best to switch to a better payer anyway - see Top savings accounts.

 

New. Pay no interest on debt shifts for 35 MONTHS (2.94% fee) - longest in over 3 years. This new balance transfer credit card from Virgin Money* (best to check acceptance odds via our eligibility calculator) lets you move existing credit or store card debt to it for a whopping 35mths 0% (2.94% fee), smashing the previous longest of 31mths. But please always follow the Golden Rules: 1) Pay at least the monthly minimum. 2) Pay it off within the 35mths or it's 21.9% rep APR interest. 3) Don't spend/withdraw cash on it. Plus if you can clear the balance sooner, other cards are cheaper - full options in Top balance transfers (APR examples). 'Boxing Day sales' on NOW: Asos up to 70% off, H&M 50%, Kurt Geiger 50% and more. Over recent years many have started pre-Christmas, and again in 2021 some are already on, while we predict some biggies will commence this week - including Boots, John Lewis, Next and M&S. Get the lowdown in our Christmas Deals Predictor. New. Cheapest iPhone 13 contract we've EVER seen. They're not MoneySaving, but if you want the latest model, firms finally have hot deals now stock issues have eased. Three newbies can get a 128GB iPhone 13 with 100GB/mth of data, plus unlimited mins & texts via Affordable Mobiles. It's £179 upfront, then £30/mth, so £899 over the 2yr contract - £550+ cheaper than getting a similar deal from Three, and cheaper than lower-data deals. See Cheap iPhones, or for more options, MSE's Cheap Mobile Finder tool. Note: Three is responsible for the contract, Affordable Mobiles for the handset. Free streaming trials for Amazon, Apple, Now and others. Watch Joker, all Harry Potters and footie for nowt. Great for Christmas - see our TV tricks guide for full info and more cost-cutters. Ends Thu. 108Mb fibre (MEGAFAST) Virgin broadband and line '£18.40/mth'. MSE Blagged. Till 11.59pm on Thu, Virgin Media newbies can get this 108Mb deal for £23.95/mth, plus a £100 bill credit (so you pay nothing for the first 4mths). Factor that in and it's equivalent to £18.40/mth over the 18mth contract. Yet only 52% of UK homes can get Virgin, so the link goes to our Broadband Unbundled comparison tool to check your eligibility and to find other deals. Ends Sat. Martin's money can't (usually) buy charity auction. He's offering his House of Games-winning robe, plus from his ITV show, a branded cushion, piggybank and 'oil painting'. See the lots. All proceeds shared between Money and Mental Health Policy Institute and Grief Encounter.

 

 

BLAGGED FOR MSE - 108Mb fibre Virgin broadband & line '£18.40/month' Ends Thu	DID YOU MISS? - As Ikea launches its 'up to 50% off' winter sale, our 20 hacks - Ninja blender/soup maker, multi-cooker 'up to £80 off' via codes - 'Martin, why say don't fix energy, when you predict a huge hike?'

 

 

The MoneySaving guide to doing good this Christmas Alternative gift ideas, including feed the hungry for FREE, help elderly neighbours & donate Tis the season to exchange gifts, share food and spend time with family. But the Christmas spirit can also be about helping others and giving something back rather than just being drawn into a retail festival. Martin caught the mood with his 2018 ban unnecessary Christmas presents video - it's had 17m+ Facebook views and 300,000+ shares. So if you want to do more than just give tat, or if you're looking for last-minute gifts, we've lots of ideas to help you do good at Christmas. Here are a few to get you started... Help feed the hungry for free with just one click. If you don't have spare cash, but want to give to charity, there's a special "click 'n' give" site where sponsors donate on your behalf. See give with a click. Check our charity gift catalogue round-up. Why not agree to give to good causes in each other's name? From vaccines to beehives, our charity gifts guide is packed with ideas. Give to your local foodbank. Charity the Trussell Trust predicts foodbanks will need to give out more than 7,000 food parcels every day this winter. We've links to find your nearest, plus how to help even if you're not flush with cash. See foodbank help. Help out at your local homeless shelter. Homeless charity Crisis runs its annual 'Crisis at Christmas' campaign at centres around the UK. Many volunteering spots have already been taken, but a few remain in Birmingham, Merseyside, Newcastle, Oxford and south Wales. See help a homeless centre. Share a moment with an elderly neighbour who may be struggling after a difficult year. Many may be feeling isolated at this time of year, particularly so due to the pandemic. Yet small acts of kindness can help neighbours who may feel lonely or need a hand with quick tasks. And to wish you a Merry Christmas, we've practised what we preach and donated a sizeable sum on your behalf to the World Health Organisation to help prevent and treat Covid-19 around the world.

 

HSBC customer? Beware transferring WRONG amount after app update. The bank has changed the way you enter amounts, and some say they almost sent £1,000s instead of £100s. See HSBC warning. How to give totally FREE Christmas gifts - use our gift cheques. If money's tight this year but you still want to give, then gift your time. Our printable Christmas gift cheques let you pledge to do something nice for someone - for example, breakfast in bed or cleaning someone's car. The only limit is your imagination. Track Santa as he delivers presents on Christmas Eve. Hop online or download free app to track Santa. Used buy now, pay later services such as Klarna or Clearpay? Tell us your experiences. The Government is working out how to regulate this new payment method, so take our 5min survey. We'll use answers to help us campaign for better consumer protection.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Virgin Money (check eligibility / apply*) 35 months 0%, 2.94% fee (21.9% rep APR interest) No-fee 0%: Sainsbury's Bank (check eligibility / apply*) up to 21 months 0% (20.9% rep APR) Broadband top picks Standard (10Mb+): Shell Energy, equivalent to £12.66/month Fibre (30Mb+): Vodafone, equivalent to £15.34/month Superfast fibre (55Mb+): Vodafone, equivalent to £15.84/month Top savings accounts Top standard easy access: Investec 0.71%, min £5,000 deposit Top one-year fix: Zopa 1.37%, min £1,000 Car insurance Get comparison site quotes in this order: Compare The Market* Confused.com* MoneySupermarket.com* Gocompare* Cheap loans Cheapest for £5k-£7.5k: Sainsbury's Bank (check eligibility / apply*) - 3.3% rep APR interest (Nectar cardholders), 3.4% rep APR (non-cardholders, 4-5 years) Cheapest for £7.5k-£15k: Cahoot (check eligibility / apply*) and Santander (check eligibility / apply*) - 2.8% rep APR, plus claim a £50 Amazon voucher Best bank accounts £100 to switch + great service: First Direct Up to £125 to switch + 2% interest: Nationwide FlexDirect Cheap Sims Up to 3GB data: Lebara, equivalent to £4.29/month for 3GB, unlimited minutes & texts 4GB-9GB data: Plusnet, equivalent to £4.34/month for 4GB, unlimited minutes & texts 10GB+ data: iD Mobile, equivalent to £4.92/month for 10GB, unlimited minutes & texts

 

THIS WEEK'S POLL What have you switched in 2021? Sadly, the best deals rarely come to loyal customers. Moving to a new, hot promotional deal is often (not always) the way to slash costs or boost earnings. So tell us, what have you switched in 2021? Most would pay more for a £100 Amazon voucher than for any other store. Given vouchers are part of so many promo deals these days, last week we asked how much you'd pay for a £100 voucher from a variety of stores, to get a sense of how appealing they are to you. More than 1,400 people responded, and Amazon was typically the one people judged to have the most value: 17% said they'd pay the full £100, while 60% said they'd pay at least £80 - both more than for any other store. Tesco was a strong runner-up, closely followed by Sainsbury's and Aldi. Meanwhile, Asos, Apple and Just Eat were the least attractive. Full £100 voucher poll results.

 

 

MONEYSAVING NEWS - Top story: British Gas customers should DO NOTHING and ignore messages to one click switch - Rail prices to rise by the largest amount in nearly a decade - Royal Mail suffers delivery delays in 23 areas in the run-up to Christmas - Starling Bank to introduce fee for those who deposit more than £1,000 a year via the Post Office - Government cuts electric car grants by £1,000

 

 

MONEY MORAL DILEMMA Should I rent out my house if it means my daughter has to stay elsewhere when home from uni? I live with my boyfriend, but keep my house so my daughter can stay there when she's not at university. It costs about £300 a month to keep the house running and I could earn £650 a month if I rented it out. However, I'd have to book my daughter into a hotel when she's not at uni as there's not enough room at my boyfriend's, and I also feel guilty about throwing her out of her home. What should I do? Enter the Money Moral Maze: Should I rent out my house if it means my daughter has to stay elsewhere when home from uni? | Suggest an MMD

 

 

MSE TEAM APPEARANCES (SUBJECT TBC) Thu 23 Dec - BBC Radio Manchester, Morning with Stacey Copeland, from 9.30am

 

MONEYSAVERS' TIPS FOR THE FIRST-TIME CHRISTMAS DINNER COOK That's all for this week, but before we go... MSE Rebecca will be making Christmas dinner for the first time this year and she's feeling daunted. Turning to MoneySavers on social media, she asked for tips and got more than a sackful. They told her to think about portion control (something MSE Gary doesn't know about), buy a turkey crown as it's quick, prep as much as you can and just enjoy it. If you have a Christmas dinner cooking tip, we (especially MSE Rebecca) would love to hear it, so head over to our first-time Christmas dinner tips Facebook post. We hope you save some money, stay safe, The MSE team

 

Important. Please read how MoneySavingExpert.com works We think it's important you understand the strengths and limitations of this email and the site. We're a journalistic website, and aim to provide the best MoneySaving guides, tips, tools and techniques - but can't promise to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong. What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the Section 75 guide for protection tips). We often link to other websites, but can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, How This Site is Financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com? Founded in February 2003, it is now the UK's biggest consumer help website, with more than 16 million users each month and about 7.5 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE. Who is Martin Lewis? Martin Lewis OBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography. What do the links with an * mean? Any links with an * by them are affiliated, which means get a product via this link and a contribution may be made to MoneySavingExpert.com, which helps it stay free to use. You shouldn't notice any difference; the links don't impact the products at all and the editorial line (the things we write) isn't changed due to them. If it isn't possible to get an affiliate link for the best product, it's still included in the same way. More info: See How This Site is Financed. As we believe transparency is important, we're including the following 'un-affiliated' web-addresses for content too: Unaffiliated web-addresses for links in this email uk.virginmoney.com, sainsburysbank.co.uk, comparethemarket.com, confused.com, moneysupermarket.com, gocompare.com, cahoot.com, santander.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.