Energy bills to fall, £137,000 reclaim, 4.25% easy access, secret sales - Nike & Converse, 100Mb broadband £21/mth, Blue Peter badges

Plus... 31mth 0% debt shift, £250 off vacuums, £132 M&S beauty £25, Nationwide free £100?

                                                           

23 May 2023 | View in browser

Banking & Savings Household Bills Deals Insurance Cards & Loans Mortgages Income Reclaim

 

THE TOP TIPS IN THIS EMAIL Financial FOMO: Are you missing out on up to £137,000? Important. Martin's Energy Price Cap Preview - will bills fall? New. Speedy 100Mb to 500Mb broadband for under £30/mth Huge 4.25% new easy-access savings £250+ off Shark cordless vacuums code New. 31mths' 0% debt shift Secret Sales code - extra 20% off Nike, Ted Baker, Converse and more Nationwide customer? Some are getting a free £100 £132 M&S beauty bag for £25 Martin's podcast: Are you due new energy compensation & more 21 top MoneySaving tips for renters Plusnet Mobile is closing - you need to switch Help local foodbanks facing shortages With E.on Next, Good Energy, Octopus or Ovo? You may be due compensation How kids can earn a Blue Peter badge Government has chosen not to protect you from ticket touts This week's best buys, including free £200 bank bribe, 100GB Sim '£8.62/mth, Compare+ Car Insurance tool Should I give some of the money I received in my stepfather's will to my mother? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Compare+ Car Insurance Best bank accounts Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Compare travel money Cheap Energy Club, with Pick Me A Tariff Best Sim-only deals

It's financial FOMO time Are you missing out on £137,000? Many people get in touch to say they've saved LARGE. Time you tried? Council tax | Pensions | Mobiles | Loans | Car insurance | Bereavement reclaim | Cash ISAs... Martin: "One of my joys is that huge numbers get in touch to report a success across a Himalayan range of issues. My frustration is not everyone tries. So today I want to tickle your FOMO - Fear Of Missing Out - with a band of 10 MoneySavers, proving it can REALLY pay, in the hopes of whetting your appetite. Over to the team..." 1) The council tax wrong bander - £8,500 refund "Thanks sooooooo much for the advice regarding wrong council tax bands on your show a couple of weeks ago. We have had a refund going back to 1993 from our local council of £8,500!!!  "We are now a band less (F to E), so also pay £30 less each month - meaning I can afford an extra glass of bubbly. Winning all round! We'd never have known but for you." Sharon's email to Martin, one of 10,000s successes we've had on this. Key council tax savings: - Check 'n' challenge your band. Are you one of 100,000s overpaying? - Are you due a council tax discount? If you live alone (or with kids), are on a low income, claim Universal Credit, are a student or carer, have a severe mental impairment or a disability, you may be due. 2) The mobile phone Sim switcher - £400/yr saved "I was with Vodafone paying £35/mth. I read your articles and, as soon as the contract ended, I asked for a PAC and got a new Sim for £4.25/mth. I've saved £369 a year, so thank you very much." Peta, one of huge numbers of speedy monster mobile saving successes. Key mobile-switching info: - Cheap Sim Finder. If you're one of 14 million out of contract, switch Sim. Sometimes you can save huge amounts and not change signal. 3) The multiple-bank switcher - £750 earned "I wanted to share with you a £750 banking bribe success my wife and I had over a period of two months (mid-March to mid-May 2023, so very recent). We both opened burner accounts, and from two switches earned £375 each." Manjinder, one of many multiple switchers who emailed us about his wins. Some have made more than £1,000 per person. Key 'get paid to switch bank' help: See how to safely do multiple switches or, for ease, just move bank once to make cash. Four banks currently pay. A full rundown and info is in Best bank accounts, but in brief... - NatWest's free £200 plus £3/mth cashback* - HSBC's free £200 + 5% regular saver* - First Direct's free £175, top service, 7% linked saver* - Lloyds' free £150 and monthly rewards 4) The state pension booster - £26,000 gain "Thanks for the 'kick up the rear' regarding national insurance (NI) contributions. I've paid up five of eight missing years at about £4,000, which will pay an extra £1,300 each year starting in three years' time [so £26,000 if he lives to typical age]. All I have to do now is stick around a while." Graham, one of 1,000s contacting us about this year's big campaign. Urgent. Key voluntary NI contribution info: - Aged 45 to 70? Urgently consider buying national insurance years. Full details on how to do it, plus a handy calculator to see how much you could make. Most must do it by the end of July. 5) Unmarried couples' bereavement pay - £22,000 back "I spotted the reader success about bereavement support and clicked the link. I'd been with my partner for 27 years, living as husband and wife in all but paper, and yet we weren't eligible for the same support as those who were married. "I was totally shocked when £22,000 dropped into my bank account." Joanne's email to MSE after she read our recent help. Bereavement support payment help: - Are you due a bereavement payment? If you've lost a partner and were unmarried with children, a rule change means you can now claim backdated benefits worth £1,000s. - How we've helped people claim £124,000 already. You've till Feb 2024. 6) The car insurance cost slasher - £1,000 saved "My husband and I recently saved using your Compare+ tool. Due to his age, he didn't think he could get it any cheaper, so I used your link and we are now £1,000 better off. Thank you." A delighted Mrs P emailed us to tell us how she drove down costs. Key car insurance help: - MSE's Compare+ Car Insurance. Not just a comparison tool - bespoke cost-cutting tips to really slice the price down. 7) The cheap loan arranger switcher - £3,000 saved "I had a personal loan with a whopping 16.2% APR and £6,300 interest over six years. Not any more - thanks to your advice, switching saved me £3,000. Thanks Martin." Mark emailed us his massive saving. Key loan-switching help: - Cut existing loan costs. Tougher to do than it was due to rate rises, but worth checking if you're on a costly loan. - Cheapest personal loans. A full rundown of the current best buys. 8) The wow, huge lost pension finder - £137,000 back "I just wanted to thank Martin and the team for advice in locating lost pensions. I followed the advice, and after a few months managed to locate my old pension, which I stopped paying into during the early 1990s.  "I was shocked to find that it had £137,000 in it!" Richard, who scored a gigantic win after Martin's pensions special. Key pension-tracing info: - Find lost pensions, Premium Bonds, savings & investments. There's £50 BILLION of lost assets in the UK (including from deceased relatives). 9) The fixed cash ISA ditcher - £5,000 interest boost "After reading about not leaving money in old ISAs that pay little interest, I closed a 5yr ISA with two years to run at 1.25%/yr. The penalty for closing it was £430, but I opened a new 2yr ISA paying 4.2% with the same building society and will receive over £5,000 more over the next two years than had I not acted. Thanks Martin." JP's email, showing how much extra interest was made even after a penalty.  Key savings info: - Should I ditch my fixed cash ISA? Some make £100s or £1,000s. - Top savings accounts. Earn at least 3.5%. - Top cash ISAs. You can transfer to up the rate. 10) And to finish... the lucky life-change multi-saver "Dear Martin and team, I need to start by apologising for having taken so long to write this email, the purpose of which is to say THANK YOU. "I signed up to the MSE email in 2018, driven by the urge to get my finances in order and, more importantly, by the need to try and understand a bit more about all of this, which I will never comprehend why we do not get taught in school. Isn't that insane? Since then, I have: - Received over £1,700 back from HM Revenue & Customs after discovering I was on the wrong tax code thanks to your Tax Code Calc. - Saved £100s by switching my £30+ phone bill to a £12 Sim-only deal - Repaid more than £5,000 of credit card debt in less than two years thanks to balance transfer credit cards I had absolutely no idea existed. And, perhaps even more importantly, I now know how to use credit cards in my favour to leverage rewards, so that's even more savings and benefits. :) "I will never be able to thank you enough. For the savings, but above all, for having empowered me (and so many others) so much. Thank you, thank you, thank you, gracias." Julieta, whose five years following MSE has put her £1,000s better off. PS: If these success stories have inspired you, please tell us how much you saved, made or reclaimed.

 

 

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.

 

 

 

Important. Martin's Energy Price Cap Preview This Thursday, for the first time in two years, we'll be told UK energy prices will drop... but how does it affect what you pay? Here are my 8 key need-to-knows At 7am on Thursday, the predictions will stop, and regulator Ofgem will tell us its new Price Cap to start on 1 July lasting three months. This dictates what almost every home in Eng, Scot & Wales pays (apart from a few on fixes) regardless of the firm. It's mostly based on wholesale energy rates from mid-Feb to mid-May. Remember though, there's NO TOTAL CAP on what you pay, it's a cap on the underlying rates, so use more, you pay more. Now let me take you through what we know, what we expect and what it means for your bills... 1. The regulator's CONFIRMED "what we currently pay will come down considerably". I pressed Ofgem's strategy head on Good Morning Britain. He wouldn't confirm the new rate, but watch him confirm what we pay will drop. 2. Price Cap rates will likely drop 35 - 40%, but what we pay will drop an average 15 - 20%. Since last Oct, what we pay hasn't been at the Price Cap, but a lower rate set by Government. It's called the Energy Price Guarantee (EPG), and kicks in when the Price Cap is too high - the state pays the difference. From July, the new lower Cap will be under the Guarantee level, so we'll pay that. Here are Cornwall Insight's average direct debit predictions (other payment methods will move a similar percent, though there can be some variance. From July, prepay will match direct debit). In a nutshell, for every £100 you pay on energy now, you'll likely pay £80 - £85 from July PS: The EPG rate rises 20% from July, but that shouldn't impact as the Price Cap's now cheaper (it had been due to rise in April, but thankfully the Chancellor agreed to my request to delay it). 3. Next winter, most'll likely still pay similar to the winter just gone (double the one before that). For most, the drop in the rate paid won't make up for last winter's £66 per month support. Lower users will fare worst, as the £66 was proportionately a bigger reduction on their bills. If the predictions are right, it'll still leave people paying around double or more what they did before the energy crisis hit in autumn 2021. The Price Cap seems unlikely to ever drop close to pre-crisis levels again, unless there's wholescale worldwide economic recession, not something we hope for. See help if you're struggling to pay. 4. Further government support for lower to middle income households is unlikely. From July, the state will no longer be subsidising all home energy bills via the Guarantee. This means it's spending many billions less than it expected to. So on Sunday's BBC One Kuenssberg show, I asked the Environment Secretary if any new support for lower/mid earners was due (spoiler, it's unlikely). 5. High standing charges likely to remain, it'll cost £300/yr just for the facility of having gas and electricity. It's likely it's the unit rate (cost of gas/elec) not the daily standing charge that will drop. In my view, this leaves a moral hazard that the less you use, the less you save. I have lobbied Ofgem hard on this, sadly to little avail. 6. Will this kick-start firms offering fixes? From Thu, there'll be some short-term price certainty, which may be the catalyst to restart deals. Based on current predictions, if any firm offers a fix for not much more than the July Price Cap, for the sake of certainty it's worth considering. Our Should I fix? calc will be available to help if it happens. 7. Some prepay payers should run down credit before July. We'll do more practical energy management tips as July nears, but if you've a non-smart prepay electricity meter, as you usually pay the rate from the day you top up, aim to run your credit down to the minimum by 1 July, and then top up (even a quid) to kick-start the new cheaper rates. 8. There are cost of living payments to come for those on benefits, with disabilities, & state pensioners. The first £301 benefits payment (of £900 total) has been paid. If you haven't received it, submit a claim. See full cost of living payments info.

 

New. Huge new top easy-access variable savings best-buy 4.25% (or quick fix at 4.6%). Hanley Economic BS branch or post account (not online) pays a huge 4.25% AER - yet only allows one withdrawal a month. App-based Chip's 3.82% AER is next highest, allows unlimited withdrawals but has a few quirks - the link goes to our guide which tells you more. Top big name: Sainsbury's 3.6%* AER limits you to three withdrawals a year, while Post Office 3.47%* AER has unlimited withdrawals. Top short fix: If you can lock the money away, Isbank's 4.6% AER 9mth fix* also pays £25 cashback if you're saving £10,000 via Raisin using code RAISIN25. Full info & options in Top savings. Code gets at least £250 off Shark cordless vacuums. MSE Blagged. Two models, normally £500+. 8,800 available. Excludes Northern Ireland. Shark New. Longest 0% balance transfer - shift debts to 31mths interest-free. A balance transfer's where you get a new card that pays off old cards for you, so you owe it instead, but at 0% interest. Virgin's 31mths 0%* for a one-off 3.5% fee is now the longest, though if you can repay quicker, others have lower fees. Full options in our Top balance transfers guide. Will you be accepted? The 0% Eligibility Calc shows your odds for most top cards. Golden rules: Repay at least the monthly minimum, and clear the card before the 0% period ends, or Virgin jumps to 23.9% rep APR. Secret Sales code gets extra 20% off already-reduced Nike, Ted Baker, Converse and more. MSE Blagged. High-street & designer stock at reduced prices. 4,000 codes available. Secret Sales It's not a scam! Nationwide really is paying some existing customers £100. You don't have to do anything to get it, if eligible. See who gets the Nationwide £100. Not with Nationwide? Get £200 free. See free cash bank switches. From Thu. £25 M&S summer beauty bag (worth £132) if you spend £30. The 11-piece set is always popular and sells out quickly. M&S beauty bag Are you due new energy compensation? Plus renters' rights (& wrongs)... This and more in this week's episode of The Martin Lewis Podcast - listen via BBC Sounds, Spotify, Apple and more. PS: Martin's up for Top Presenter (page 5) & Top Factual Show (page 6) in the NTA Awards longlist if you want to vote.

 

 

BLAGGED FOR MSE - Code gets at least £250 off Shark cordless vacs 8,800 available - Extra 20% off code on Nike, Ted Baker & more 4,000 available	DID YOU MISS? - Cheapest ways to spend abroad - Ninja air fryer & grill £175 with code (normally £270) - £15m in Clubcard vouchers expire in one week - Free choc, nappies & more with supermarket coupons - Free postcode lotto with a £200+ daily prize

 

 

Whooooooooooooosh... New. Seriously fast broadband for half the cost many pay for standard speeds: 100Mb '£21/mth' | 500Mb '£30/mth' If you've a need, a need for (serious) speed - or, less romantically, you just want to save some cash and get faster broadband, this is for you. As always, it's about pouncing on short-lived promo deals, and this week's are short and fast. So if you're one of the seven million homes out of contract, ditch, switch, save and rev it up. Four million homes still get speeds below 30Mb (so the slowest of these fast deals is almost four times faster) Typical cost of that broadband is £35-£45/mth (so all our deals below are faster and cheaper) TOP SWITCHERS' DEALS As they're postcode-dependent, links go via our broadband tool which shows if you can get 'em  New. Shell Energy - 109Mb broadband only '£21.44/mth' 18-month contract (avail to 40% of UK) Cheapest 100Mb+ deal, but rated 'poor' for service. Apply via this Shell Energy 109Mb link and pay £9.95 upfront, then £26.99/mth. Then CLAIM the £110 Amazon voucher in 4 months, factor it in and it's equiv to £21.44/mth. Shell Energy was rated 'POOR' in our last poll (1). Ends Wed. Virgin Media  - 132Mb broadband only '£22.06/mth' 18-month contract (avail to 55% of UK) Cheapest 100Mb+ deal rated 'OK' for service. Apply via this Virgin 132Mb link and pay £26.50/mth. Then CLAIM the £80 Amazon voucher within 4 months, factor it in and it's equiv to £22.06/mth. Virgin was rated 'OK' in our last poll (1). Ends Thu. Vodafone - 100Mb broadband only '£22.59/mth' 24-month contract (avail to 40% of UK) Cheapest 100Mb+ deal with 'good' service. Apply via this Vodafone 100Mb link and pay £28/mth. Then CLAIM £130 Amazon, Tesco etc voucher in 4 months, factor it in and it's equiv to £22.59/mth. Vodafone was rated 'GOOD' in our last poll (1). Ends Thu. Vodafone - 500Mb broadband only '£29.59/mth' 24-month contract (avail to 40% of UK) Cheapest 500Mb+ deal, rated 'good' for service. Now we're talking blistering speed. Apply through this Vodafone 500Mb link and pay £35/mth. Then CLAIM £130 Amazon, Tesco etc voucher in 4 months, factor it in and it's equiv to £29.59/mth. On Universal Credit or similar benefits? Try a social tariff. Many providers offer special discounted social broadband tariffs, which give long-term cheap prices on standard speeds. We include them in the comparison if you select 'show social tariffs' & enter your postcode. To compare, we use 'equivalent costs' - adding all costs, except calls, deducting promo credits & averaging over the contract. (1) For full results, see our broadband service poll. Don't want to switch? Haggle. If you're out of contract and free to move, you're in a powerful position to haggle. In our December poll, the vast majority of those who'd haggled with the big broadband firms were successful. So use the deals above as a benchmark price to help you get your costs down. Not sure how? Read full Broadband haggling tips. At least 50% of customers must get the advertised speeds at peak times. The providers above also tell you the estimated max speed you're likely to get before you sign up. Switching usually only means about two hours' downtime. You're told the switch time, and most don't need an engineer to set it up - though some moving to or from Virgin may (you're told before applying). Members of cashback sites can sometimes undercut deals. In some cases, the cashback can mean these sites undercut promos elsewhere, though sometimes the deal differs - so check carefully. More in Top cashback sites.

 

21 top MoneySaving tips for renters. In last week's email, we gave you our 21 renters tips, then just afterwards the Government announced planned renters' rights reforms. Plusnet Mobile customer? It's closing - you need to switch. You can leave penalty-free. See Plusnet Mobile help. What are your local foodbanks running short on? They're a lifeline for many, and if you're able to help, there are sites showing what donations are needed. Go to Bank the Food app or Donation Genie to help. Are/were you with E.on Next, Good Energy, Octopus or Ovo? You may be due compensation. Four energy firms have to pay customers back after failings. See energy firm compensation to find out if you're due. How kids can earn a Blue Peter badge to get FREE entry to 200+ attractions. Find out how to earn one in time for the summer holidays, and how it compares with other deals. The Government has chosen not to protect you from ticket touts. It has rejected official Competition and Markets Authority proposals for a fresh clampdown on professional resellers charging inflated prices. See ticket troubles.

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: Virgin Money (check eligibility / apply*) - 31mths 0%, 3.5% fee (23.9% rep APR) No-fee 0%: NatWest - 19mths 0% (23.9% rep APR) Best bank accounts £200 to switch + £36/yr cashback: NatWest / RBS £200 to switch + 5% regular saver: HSBC Top savings accounts Top easy access: Hanley Economic BS 4.25%, min £1,000 Top one-year fix: SmartSave 5%, min £10,000 Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR Cheapest for £7,500 to £15,000: HSBC (check eligibility - existing customers only / apply*), 4.8% rep APR Broadband top picks Standard (10Mb+): Shell Energy '£16.88/mth' Fibre (30Mb+): Shell Energy '£19.38/mth' Fast fibre (55Mb+): Vodafone '£21.46/mth' Superfast fibre (100Mb+): Shell Energy '£21.44/mth' On Universal Credit or similar? Check all discounted social tariffs Cheap Sims Up to 3GB data: Lebara, '£2.70/mth' for 3GB 4GB to 9GB data: Lebara, '£3.45/mth' for 5GB 10GB+ data: TalkMobile, '£8.62/mth' for 100GB

 

CAMPAIGN OF THE WEEK Got friends or family who might benefit from support with digital skills? The charity Good Things Foundation works to help excluded people gain the support and skills they need to improve their lives through digital - from help accessing devices and data to free online training. Its Learn My Way platform offers a range of free online courses, including basic digital skills, help managing money online and assistance in applying for Universal Credit. Help someone you know get started with Learn My Way, or use this interactive map to find the nearest of over 1,000 in-person, community digital inclusion hubs they can visit.

 

THIS WEEK'S POLL How long have you been with your broadband provider? Millions overpay for broadband when their original contract ends - but there are legitimate reasons to stay with a provider (such as coverage, speed or service). So this week, we want to know how long you've been with your provider and what's encouraged you to stay. Vote in this week's poll. British Gas leaves customers cold with its service. In last week's poll, we asked what you thought of your energy provider's customer service. Of those with more than 100 responses, Octopus came out on top, with 83% of its customers rating it 'great'. British Gas took the wooden spoon, with 65% of its customers rating it 'poor'. See the full energy provider service results.

 

 

MSE NEWS - Top story: New £150 disability cost of living payment starts in June - do you qualify? - Thousands of single bus fares in England to be capped until December 2024 - Barclays closing 25% of bank branches this year - here's the full list

 

 

MONEY MORAL DILEMMA Should I give some of the money I received in my stepfather's will to my mother? My stepfather's will named his children and stepchildren, including myself, as beneficiaries of his estate, bypassing my mother, who thought that each of their wills had been written so that their estates passed to the surviving spouse. Following my stepfather's passing, I'm now in line to receive a large sum of money. Should I give some to my mother, given what she thought they'd agreed on? Enter the Money Moral Maze: Should I give some of my late stepfather's money to my mother? | Suggest a Money Moral Dilemma

 

 

MSE TEAM BLOG - MSE Forum highlights: Switching, sweet potato and Skye

 

 

MARTIN'S APPEARANCES (WED 24 MAY ONWARDS) Thu 25 May - Co-hosting Good Morning Britain, ITV1, from 6am Thu 25 May - Ask Martin Lewis, BBC Radio 5 Live, 1pm MSE TEAM APPEARANCES (SUBJECT TBC) Tue 30 May - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

 

HOLIDAYS, DISHWASHERS AND A HORSE - WHAT'S THE BEST FREEBIE YOU'VE BAGGED? That's all for this week, but before we go... with most Nationwide customers set to get £100 each in June, we asked what's the best freebie you've ever received. Many bagged travel-related freebies, including free business-class upgrades, a holiday in Canada and an all-expenses-paid trip to a Champions League game in Europe. Others picked up free TVs, dishwashers and fridges. But we have to doff our cap to the MoneySaver who managed to gallop their way into getting a free horse - a neigh-mazing freebie. Tell us your best freebie in our Facebook and Twitter discussions. We hope you save some money, 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 12 million users each month and about 8.5 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 CBE 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 natwest.com, hsbc.co.uk, firstdirect.com, sainsburysbank.co.uk, postoffice.co.uk, raisin.co.uk, uk.virginmoney.com, nationwide.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.