Energy bill hike news, top 4.55% savings, free £100 supermarket voucher ends, fight unfair parking tickets, 50p Sim!

Plus... 8p/litre off fuel, FREE £200 ends, 7 Amazon hacks, free Harry Potter Lego, 25% off wine & fizz

                                                           

25 August 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL New. Top 4.55% savings & a big name: - Top easy-access savings/ISAs - Top fixed-rate savings/ISAs - Free £150 if you've got £15k to save - Four ways to boost savings interest Ends. Cheapest Sim EVER now 50p 7 tricks to pay less at Amazon (Bad) News: Energy bills to be hiked Fight unfair private parking tickets Ends. Free £100 supermarket voucher Ends. FREE £200 cash to switch bank 8p/litre off petrol or diesel 25% off wine/fizz in 4 supermarkets Ending? Free £50 in shares FREE Lego Harry Potter set Urgent free school meals check Ends. £51 off Morrisons online 'I saved £340 on travel insurance post-cancer' Extend expiring Clubcard vouchers! Spotify deals: FREE 3mths Premium, etc Best buys: 12mth no-fee 0% card, etc MMD: Should my friend share their train compensation? Quick deals: Free Grand Designs Live tickets & more

New. Top 4.55% easy-access savings - and, surpisingly, it's actually from one of the UK's biggest banks (NatWest) Check what your savings pay. If it's less, it's easy to ditch, switch & earn more Millions of savers are on naff rates and can quickly ditch, switch and gain - and right now is a great time to check if you could be earning more. In the last week, a new top-paying easy-access saver paying 4.55% has launched from a big name, while Barclays-owned Tesco Bank and Govt-backed NS&I have also launched new ranges of fixed-rate savers paying more than other big names. So let us take you through the top picks in both normal savings and cash ISAs right now... All accounts below full UK savings safety protection of £120,000 per person, per institution. All interest rates are AER. Top easy-access (variable) savings These are bog-standard accounts where you can put money in and take it out whenever you like. If you've got one, check what it earns - if it's less than 4.5%, open a new top-paying account and just move your money across. All rates are variable, so they'll likely move with UK base rate changes, and with providers' whims, so you need to monitor the rate, unlike with fixes, where your rate's guaranteed for a set period. New. Top 4.55% easy-access savings. First Active (part of Natwest) pays 4.55%* (min £1, max £1m) making it the new highest-paying easy-access savings account for larger amounts. The rate includes a 1yr 1.5% bonus. While Tembo's 4.55%* easy-access saver (includes a 1.55% 1yr bonus) pays the same, it will only let you save up to £20k in it, so the First Active account from NatWest is a winner if you've got more. Both accounts let you make unlimited withdrawals, though for Tembo you have to keep the account open with at least £1 for the whole year to get the bonus. Next best is Tesco Bank's 4.53% (includes a 3.48% 1yr bonus) and Cahoot's (part of Santander) 4.52% Simple Saver (min £1, max £500k). These both allow joint accounts (not many do) and Cahoot's doesn't include a bonus rate, though only lasts 1yr. Earn more, up to 5%, but with strict amount limits: A couple of banks offer higher rates but limit the maximum amount you can have in to get the rate. Spring's 5% (Paragon Bank's savings app) Accelerate Saver (min £10, max £5k) and Cahoot's 5% (part of Santander) Sunny Day Saver (min £1, max £3k) which lasts a year. Top easy-access cash ISA: Chip 4.6% (min £1, max £20k/yr) at 3.75% variable + 0.85% newbie bonus. There's also Trading 212 4.6* (min £1, max £20k/yr) at 3.6% plus a 1% newbie bonus, though you don't get the bonus on most transfers. Both these are flexible ISAs, meaning you can replace any withdrawn funds without it impacting this year's £20k allowance. Far more options in Top savings and Top Cash ISAs. Top fixed-rate savings Fixed rates normally get stronger the longer you fix. While that's still true right now, there isn't loads in it, which suggests the market's long-term view is interest rates will be pretty stable. So if you want to save, can comfortably lock money away, and strongly value certainty, fixing - and fixing for longer - looks a decent option.  But remember, if you go for a longer fix and rates rise in the meantime, your money's locked away, you can't move it to up the rate (except in a long fix cash ISA). Yet you can hedge your bets with several fixes of different lengths. If you can lock away money for longer, say 5+yrs, and you've got a cash emergency fund, savings may not be right for you. Read Martin's beginner's guide to investing - you're in the sweet spot for that, and done right, it could be far more lucrative. Top savings fixes pay between 4.85% and 5% if you're happy to lock money away. See our full list of top fixed savings, but in brief... - 1yr fix: MBNA 4.85% (min £1k), Tesco Bank 4.84% (min £2k). - 18mth fix. Chetwood Bank 4.9% (min £1k). - 2yr fix: Investec 4.95% (min £5k), Scottish Building Society 4.91% (min £500). - 3+yr fixes: 3yrs Afin Bank 5%* (min £1k), 5yrs Afin Bank 5%* (min £1k). Govt-backed NS&I's British Savings Bonds also pay decent rates for 1-5 years (4.81% to 4.85%), with deposits guaranteed up to £1m by HM Treasury. It has separate fixed products depending on if you want interest paid back into the fix annually or paid to your current account monthly, which is an important decision if you pay tax on savings interest. See Should I choose monthly or annual interest? Grab a FREE £150 if you've got £15,000+ you can lock away in savings for 2yrs Newbies to savings marketplace Raisin - which lets you save and move money between different banks after filling in just one form - can get £150 by opening a Raisin* account using code SUMMER150, then opening a min 2yrs savings fix, and funding it with £15,000+ in a single deposit by 11.59pm Thu. The cashback will be paid within 20 days. Its top 2yr fix is Shawbrook's 4.81%* (you save with the bank, not Raisin, so get its savings safety protection), which is beatable, until you factor in the cashback... on £15,000 over 2yrs you'd get an effective rate of 5.29%. Full info in Raisin £150 cashback. Cash ISA fixes let you withdraw. ISA rules say they must always allow you to withdraw without notice - though they can, and all do, charge an interest penalty. Fixed cash ISA rates pay a touch less than normal savings right now, so they're only worth it if you've not used your £20,000 ISA allowance this year and would likely pay tax on interest from normal savings. - 1yr ISAs: UBL UK 4.71% (min £2k, 90-day withdrawal penalty), Vida Bank 4.7% (min £1k, 90-day withdrawal penalty). - 2yr ISAs: Vida Bank 4.77% (min £1k, 180-day withdrawal penalty), UBL UK 4.76% (min £2k, 180-day penalty). - 3yr+ ISAs: 3yrs Vida Bank 4.8% (min £1k, 270-day withdrawal penalty), 5yrs Marsden BS 4.87% (min £5k, 360-day penalty). Also, remember you always have a right to transfer a cash ISA to a new provider. When these mature, you'll likely be moved to a poorly-paying easy-access account, so diarise to do a transfer then to up the rate. How does tax on savings work? It's easiest to just watch Martin's savings tax explainer... Top ways to further boost interest Some specialised options pay even more... - 50% bonus for many on Universal Credit. See Help to Save. - 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs. - Earn up to 8% if you can save monthly. See Regular savings. - Prefer to invest? Over the long run, done right, investing usually beats savings - see Martin's beginner's guide to investing.

 

 

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.

 

 

 

Ends Wed. Cheapest Sim we've EVER seen has got EVEN cheaper - get 1GB monthly data, unlimited calls and texts for just '50p/mth'! Or grab a huge 50GB for under £4/mth if you need more data We thought Sim-only deals were already at rock-bottom prices, but competition's pushed them ever lower this week. Around 14m people are out of contract, free to switch and slash bills. If that's you, now's the time to use our Cheap Sim Finder - some cracking short-lived deals have just launched. Here's how to check and switch... Step 1: Can you switch & save? Check by dialling just five digits. Just text 'INFO' for free to 85075 (some providers will ask for your date of birth to help confirm your identity). The service will then tell you if there are any early termination/cancellation charges - if there aren't, you're free to move. It won't work for some on 'multiple-phone' contracts, but if you've been with the same provider for more than two years, you're likely out of contract (though do check). Step 2: Switch to the best new Sim to save. There are actually only four mobile network operators (MNOs) in the UK - EE, O2, Three and Vodafone. All others are mobile virtual network operators (MVNOs), which piggyback on their signals and tend to be a lot cheaper. Our Cheap Sim Finder lets you filter for deals using your current network's signal. As Willem emailed: "I switched my mobile plan from Vodafone to Lebara, saving over £600/yr. Thanks for the newsletter - it helped prompt the change." Here's an example of what's available right now on each network's signal using piggybacking (all have unltd UK calls & texts). Cheapest new-customer Sim-only deal examples Use our Data Calc if you're unsure how much you use Ends 11.59pm Wed. Sky on O2's signal 2.7 / 5 ("OK") customer service - 1GB at average '50p/mth' over 1yr contract (£1/mth plus a £6 Sainsbury's, M&S, John Lewis or food delivery voucher within 4mths). It's the cheapest Sim deal we've ever seen. Cheapest deal on the main network: O2, 10GB at £8/mth. New. Lebara on Vodafone's signal 4.3 / 5 ("good") customer service - 35GB at average '£3.49/mth' over 1yr (8mths at £3.03/mth, then £6.90/mth, plus £10 Amazon or shopping voucher), but 1mth rolling contract. Cheapest similar deal on the main network: Vodafone, 16GB at '£6.80/mth.' Ends 11.59pm Thu. iD Mobile on Three's signal  3.2 / 5 ("OK") customer service - 50GB at average '£3.92/mth' over 1yr contract (3mths at £2/mth, then £8/mth, plus £31 Amazon or shopping voucher). - 120GB at average '£6.88/mth' over 1yr contract (3mths at £2.50/mth, then £10/mth, plus £15 Amazon or shopping voucher). Cheapest similar deal on the main network: Three, 60GB at '£8.80/mth.' Spusu on EE's signal 4.4/ 5 ("good") customer service - 5GB at a straight £4.50/mth: 1mth rolling contract. Cheapest similar deal on the main network: EE, 3GB at £12/mth. Step 3: To keep your number when switching, text 'PAC' for free to 65075. You'll then get a code to give your new provider, which will transfer your number - usually within one working day. (Do note: some providers will ask for your date of birth to confirm your ID, and this won't work if you're on a contract with more than one phone.) Sometimes doing this triggers a retention offer - they might fight to keep you with a much better deal. You could even try this first if you'd rather stick with your current provide. For more help, see our Mobile phone haggling guide.

 

(Bad) News: Regulator Ofgem's Price Cap announcement is due tomorrow (Wed) at 7am... The October Energy Price Cap is still likely to RISE 4%, even after Govt's elec VAT cut. The Energy Price Cap changes every three months - tomorrow we'll hear the new rates for Oct-Dec, and it doesn't look like it'll be good. Full info and Martin's instant analysis, including an easy-watch video, will go in MSE News from then. Is there a way to avoid the hike? Yes. The likely rise only applies to those on their firm's standard tariff - it doesn't affect those who are fixed. Currently, the cheapest fixes let you lock in at around 8% below the current Price Cap rates (so likely 11% cheaper than October's), so if you're on a standard tariff, it's worth doing a quick comparison via our whole-of-market Cheap Energy Club (including our Pick Me A Tariff easy-switch tool). Got an UNFAIR private parking ticket? Fight it! A record 17m private parking tickets were issued in the year to March 2026 according to new data. Yet tickets are often invalid/unfair, so don't automatically pay. For full help, see our Fight unfair private parking tickets guide. Ends Wed. Get a FREE £100 supermarket voucher just for OPENING a new bank account. Santander newbies (ie, you don't have ANY of its products) who open one of the current accounts via the links below by 2pm tomorrow (Wed) and spend £200+ at grocery stores in 4+ transactions in each of Sep, Oct and Nov will be emailed a link to claim a £100 supermarket voucher from 14 Dec (check your spam). The Everyday* account is its bog-standard fee-free account, so is your best bet if you just want to grab the voucher. Edge* is a top (joint) bills account, it costs £3/mth but pays 1% cashback (max £10/mth) on household bills paid by Direct Debit (look at the Edge Up* if you've bigger bills, as it pays a max £15/mth cashback on bills for a £5/mth fee). Full info in our Santander review. Ends Thu. Or... FREE £200 cash to switch bank. A reminder that new switchers who apply to Barclays Bank Account* can still bag a FREE £200 cash by starting a switch before 11.59pm this Thu. The only bank that pays more right now is HSBC Bank Account*, which gives new customers switching to it a FREE £220 cash. For full info & options, see our A huge seven banks now pay you to switch note from last week. 8p/litre off petrol or diesel when you spend at Tesco. At 500+ petrol stations. See Tesco 8p off fuel. 25% off six bottles of wine & fizz in four supermarkets. Say 'cheers' to the bank holiday (please be Drinkaware). Ending? Free £50 in shares if you invest £100+. MSE Blagged. This is for newbies to Trading 212* (ie, never had any of its products before) using code MSE50 when investing £100+ in funds or shares via its shares ISA or investment account, both of which offer a wide range of funds or shares. You get £50-worth of shares (or a fraction of a share if it's high-priced) in a randomly selected well-known firm, eg, Apple, Google, Nvidia, Coca-Cola. The shares are added within 3 working days, you can then either keep them or sell them (but can't withdraw the proceeds for 30 days). We don't know how much longer this deal will be around, so sooner's safer if you want it. Share prices can go down as well as up. See full T212's free £50 shares info. FREE Lego Harry Potter set. This weekend, limited stock. See Free Lego. Urgent. On a low income with school-aged child(ren)? Apply for Free school meals NOW. You need to reapply every year. Even if your child's due to get them automatically (either due to age or because you live in London or parts of Wales), it's worth applying manually, as your child's school could get additional funding. Don't get free school meals? If you're on a low income, it's worth checking to see if you now qualify as the eligbiltty criteria have recently been expanded, meaning many more children are now due them. For full info, see Free school meals.

 

 

BLAGGED FOR MSE - Free £50 in shares if you invest £100+ For Trading 212 newbies	DID YOU MISS? - Check if you're due up to £70 compensation from Mastercard - Can you really get £1,160 worth of John Lewis beauty for £250? - Premium Bond prize rate to rise to 4.35% - are they worth it? - Ends Mon. £10 off railcards code - Speedily find the cheapest airport parking

 

 

How to pay less at Amazon: Seven little-known tools & tricks, incl 60% off 'like new' returns & 15% off household essentials  'I saved £150+ on a never-opened PC - I'm well pleased!' Amazon's main site makes shopping so simple that many fall into the trap of never delving any deeper into what else the online retailer has to offer. That leaves you at risk of overpaying, as many of its best ways to save are tucked away. Our Amazon guide has the full range of tips, tools and tricks to help you buy things you'd have bought anyway for less, but here's a taster... 1. Amazon Resale: Speedily uncover up to 60% off 'like new' returns with our unique tool. - Quickly find bargains: Use our free Amazon Resale Discount Finder. - Best for? Up-to-date branded electricals, kitchen appliances, laptops, clothing, games, jewellery, household items. - Consumer rights: You've got statutory rights, but you might not get the manufacturer's warranty. Amazon Resale* sells returned or slightly damaged items at reduced prices. Discounts of 30% to 60% are common, and often the damage is no more than to the box, while the product itself is in excellent condition. We built the Amazon Resale Discount Finder tool to help your discount quest. Tell us what you're looking for, and it'll show you how much you'd save compared with buying new at Amazon. Bargains we found this week include: Product Amazon new Amazon Resale Villeroy & Boch 12-plate set £312 'Like new': £82 (74% saving) HP 14-inch laptop £580 'Like new': £313 (46% saving) Apple AirPods 4 £118 'Like new': £88 (25% saving) As Resale deals constantly come and go, what you can get on any given day is a bit of a lottery, but many MoneySavers have saved big, including Anne-Marie who told us on Facebook last week: "Recently bought a mini PC from Resale. The cellophane was still on the box so it had never been opened. It was over £150 less than the 'new' price. I am well pleased!" 2. Amazon Renewed: Save on top-condition used tech with a 1yr warranty. - Quickly find bargains: Search on Amazon Renewed*. For phones, use our Refurbed Phone Finder for a wider range. - Best for? Slightly older tech, including phones, laptops, headphones, games consoles, smartwatches and cameras. - Consumer rights: Everything comes with a one-year warranty on top of your statutory rights. Unlike Resale, which mainly focuses on returned products, Renewed* sells refurbished tech that's been tested, cleaned and restored to full working order. It's often stocked with previous-generation Apple, Samsung, Dell and other big-brand devices. Stock varies and is limited, but we found a Garmin Approach S60 watch for £175 (new £309), a Nintendo Switch neon for £169 (new £248) and Anker Space earbuds for £30 (new £42). 3. 'Subscribe & Save' TRICK: Get 5% to 15% off essentials, even if you only want them once. You can get discounts on many household staples, including loo roll, bin liners, batteries, toiletries and cleaning products, by signing up to Amazon's repeat-delivery service. The trick? You still get the discount on your first order, but you're not locked in to future deliveries. Once your order arrives, just cancel the Subscribe & Save subscription and keep the saving. We found a six-pack of Dolmio Bolognese sauce for £8.73 (normally £12.48), 120-pack of Felix cat food pouches for £24.70 (normally £32.94), OPI Tickle My France-y nail polish for £7.96 (normally £10.08), and a four-pack of Twinings Everyday tea bags for £10.50 (normally £14). How to find Subscribe & Save items. 4. Spending £30 to £35 and don't have Prime? Use the Super Saver Delivery tool. Amazon normally charges for delivery on orders under £35. If you're only a few quid short, it can sometimes be cheaper to add a low-cost item than pay the delivery charge. Our Amazon free delivery tool helps find suitable filler items that push your basket over the threshold for less. 5. Can you cut the cost of Prime membership?Prime (one-day delivery, TV/movie streaming etc) costs £9/mth or £95/yr, but there are ways to reduce what you pay: - Share Prime benefits with another adult in your household for free. See how Amazon Family works. - O2 customer? Eligible new or returning Prime customers can get Prime for £2/mth less. See the O2 Prime offer. - Aged 18 to 24 or a student? You can get 50% off Prime, plus 6mths free if you're new. See full 50% off Prime info. 6. Is that deal really a deal? Check past prices with CamelCamelCamel. A product showing as "50% off" doesn't automatically make it a bargain. The clever CamelCamelCamel tool lets you view Amazon price history so you can see whether today's discount is genuinely good or if the item has sold for less before. If you're prepared to wait, you can set a target price and receive an alert when it's reached. 7. Psst... Amazon also has a hidden vouchers page. There's a little-known page packed with digital vouchers offering extra money off selected products. Not every voucher leads to a great deal, but it's worth a browse before you buy, especially if you're already planning a purchase. PS: Have you heard of Joybuy? It launched earlier this year and is trying to take on Amazon with Prime-like delivery at no cost for many. MSE Olivia's Joybuy vs Amazon blog assesses product choice, delivery and price.

 

£51 off Morrisons online (ends Mon) & more supermarket delivery newbie codes - incl £30 off Co-op and 25% off Ocado. See first-timer grocery discounts. 'My travel insurance costs jumped after I had cancer - so I used your new tool & saved £340.' Success of the week. Pam emailed: "I'm a lymphoma survivor and have just completed my 2nd year of being disease-free. Last year, I paid £623 for an annual travel insurance policy covering me and my healthy husband - but the same provider quoted £728 to renew. I had a look at your website and saw that you'd launched the Compare+ Travel Insurance tool. I got three quotes and went with the highest level of cover for both of us, paying £390 for a worldwide policy (excl USA) [a £338/yr saving]. Many thanks for your tool. It saved me a lot of stress, as well as money." If we've helped you save or reclaim (on anything), let us know. Ends Mon. Tesco shopper? Last chance to use/extend £11m of expiring Clubcard vouchers. See Tesco tip. Spotify deals: FREE 3mths for Premium (ad-free) newbies, or 2mths for £6.50 for oldies (normally £26).

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Top definite 0% card: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.09% fee, 24.9% rep APR No-fee 0%: Virgin (check eligibility) 12mths 0%, 24.9% rep APR Best bank accounts Free £220: HSBC Ending. Free £200: Barclays Broadband top picks Fast fibre (100Mb+): Sky '£18.59/mth' Ultrafast fibre (900Mb+): Sky '£22.17/mth' On Universal Credit or similar? Check all discounted social tariffs Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: First Active 4.55%, min £1 Top easy-access ISA: Chip 4.6%, min £1 Top one-year fix: MBNA Bank 4.85%, min £1k Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Sky, '50p/mth' for 1GB 4GB to 9GB data: Lebara, '£2.69/mth' for 5GB 10GB to 30GB data: Lebara, '£2.99/mth' for 10GB 31GB+ data: iD Mobile, '£3.92/mth' for 50GB

 

MONEY MORAL DILEMMA Should the friend who was late for our holiday share his train delay compensation? I recently went on a canal boat weekend with some friends. We live all over the country, so met at the boat hire location. One friend took the train instead of driving, and his train was delayed, meaning we couldn't leave until he arrived. He later told us he'd claimed compensation for the full cost of his train ticket. Should he share this money with us since we were equally inconvenienced? Enter the Money Moral Maze: Should our friend share his train delay compensation with us? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

QUICK DEALS - Ends Mon. SpeckyFourEyes: £27 branded prescription specs & sunglasses (normally £99) - Grand Designs Live: 15,000 FREE tickets for Birmingham NEC, 2-4 October - Formula One Store: Up to 50% off selected official F1 merchandise via code - Merlin: 'Free' second day entry to Alton Towers, Thorpe Park & more when staying overnight - Ends Mon. Tails.com: 90% off code on a one-month supply of tailored dog food

 

 

MSE TEAM BLOG - MSE Forum highlights: teenagers, toothbrushes & toasters

 

 

MARTIN'S APPEARANCES  Wed 26 Aug - Good Morning Britain, ITV1, 7.20am Wed 26 Aug - LBC with Tom Swarbrick, 8.05am Wed 26 Aug - Times Radio, 8.35am Wed 26 Aug - 5Live Breakfast, BBC Radio 5, 8.45am Wed 26 Aug - This Morning, ITV1, 10.55am

 

 

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