New energy fixes, free McDonald's, 20GB Sim £4/mth, cheapest ways to spend abroad, free £25 cashback, top savings + £10 Amazon

Plus... beat Netflix & Spotify hikes, Solar panels – worth it?, £210 beauty £50, 10% off Poundshop

                                                           

01 August 2023 | View in browser

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THE TOP TIPS IN THIS EMAIL 8 travel money must-knows, incl... - Play your cards right - Compare bureaux de change - Top cards for under-18s 20GB data Sim just '£4/mth' Streaming costcutters - get Disney+, Prime etc for less FREE £25 cashback on £5+ spend Stick, switch or fix energy? More new fixes launch Poundshop 10% off EVERYTHING 4.35% easy-access savings + £10 Amazon Are solar panels worth it? FREE McDonald's fries £4 secret theatre tickets, incl West End? £210 beauty £50, incl Estée Lauder, Urban Decay Help to Buy helpline chaos Child 16+ and still studying? Act NOW to keep Child Benefit 'I haggled £500/yr off my broadband' 30% off dog food This week's best buys, including 5.6% loans, £200 bank switch bribe, fibre broadband '£19/mth' Should I pay more for our hol as it's not my partner's thing? 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

Max the bang for your buck (or baht) this summer 8 travel money must-knows - so you don't overpay to pay abroad  Including FREE £175 'spending money', top cards for you & the kids, cheap euros and more... Schools are out, summer's here (even if the sun isn't) and many are heading overseas for a well-deserved break. So while you may have picked the perfect destination, it pays to pick the perfect way to spend overseas - rocking up to the airport with the wrong card or no cash can cost you dearly. Just see what $1,000 costs through different payment methods: Excludes cashback. Card costs calculated as 5 x $100 ATM withdrawals and 20 card transactions. So if you've yet to sort your spending money, here are our last-minute travel money must-knows... 1. Play your cards right for the cheapest way to spend abroad. Spend in a foreign currency on most plastic and while the banks get a near-perfect exchange rate, they charge us a 3% non-sterling exchange fee, so £100 worth of euros/dollars etc costs £103. Yet top specialist overseas cards don't add this, giving you the same near-perfect rates as the banks. And you've a few options... FREE £175 spending money and a specialist card. If you're willing to switch bank right now, there's a double winner with First Direct*. It gives you one of the top free cash offers and near-perfect rates for spending abroad (though you can beat this a smidge with a few of the best spending cards listed below). Other perks include a linked 7% regular saver and a £250 0% overdraft for many. Full info including key eligibility criteria in Best bank accounts. The TOP specialist cards for spending abroad. If you don't want to switch bank, there are three cards vying here - the reason they're top is that two give cashback, the other lets you lock in a rate before you travel. So let's compare their key benefits... The top 3 'near-perfect exchange rate' travel cards Chase Mastercard* DEBIT card via Chase app Barclaycard Rewards Visa* CREDIT card Revolut Standard Visa & Mastercard PREPAID card via Revolut app Perks ✓ 1% cashback up to £15/mth for at least 12mths on most overseas & UK spending ✓ 0.25% cashback on most UK & overseas spending ✓ Preload cash before you travel so you can lock in the exchange rate Fee-free? ✓ Fee-free on overseas spending and near-perfect exchange rate ✓ Fee-free on overseas spending and near-perfect exchange rate Not always, 1% exchange fee Sat-Sun & on over £1,000/mth. Card delivery £4.99 Easy credit-check? ✓ Yes, just ID check No, full credit-check (eligibility calc shows acceptance odds) ✓ Yes, just ID check Fee-free ATM cash? ✓ Yes, up to £1,500/mth (1) ✓ Yes, up to £500/day (1) ✓ Yes, first five/mth free (up to £200), 2% after (min £1)  Interest-free spending? ✓ Yes (it's a debit card) ✓ Yes, if paid IN FULL each month (25.9% rep APR if not, so avoid) ✓ Yes (you can only spend money preloaded on the card) Interest-free ATM cash? ✓ Yes (it's a debit card) ✓ Yes, if paid IN FULL each month (25.9% if not, so avoid) ✓ Yes (you can only take out money preloaded on the card) (1) These cards won't charge you, but individual ATMs may. Which wins? Chase is the standout here - it's easy to get and offers unbeatable cashback on spending in the UK and overseas. But with a £1,500/mth ATM withdrawal limit, it's not the best if you want to take out larger sums of cash. With Barclaycard, you just use it and get billed later (and remember to pay it off IN FULL). It also gives Section 75 spending protection, so if you're buying important things abroad costing over £100, this is stronger protection than Chase, which only has the lesser chargeback (which Barclaycard has as well). Revolut has more caveats. You can lock in an exchange rate in advance, which is near-perfect Monday to Friday and on £1,000/mth (there's a 1% fee on weekends or £1,000+). Though you can beat this by loading the card with pounds in advance and exchanging on a weekday. Left it too late to get a new card? If you're travelling imminently, First Direct may not work as it takes 30 days to get the free switching cash, while a credit card can take up to two weeks to get after application. But Chase and Revolut require no credit check and give virtual cards you load on to your smartphone via Apple or Google Pay so you can use instantly (you can avoid Revolut's £4.99 card delivery fee doing this, too). Just make sure you can pay contactlessly and won't need to withdraw cash. The cards above are only marginally better than some of the other specialist cards, such as Santander Zero, Monzo and Starling, and some Virgin Money and NatWest credit cards. If you've already got one (check yours), don't feel you need to switch. 2. Want cash for budgeting? TravelMoneyMax compares 16+ bureaux in seconds. The top cards above are usually the best way to spend overseas, and these days cards are much more widely accepted. However some people prefer cash in their pockets, and find it helps them budget. If you do want cash, the cheapest bureau depends on what currency you want and how much, and changes by the hour. Our TravelMoneyMax tool quickly compares 16+ bureaux to find you the best rate for delivery or collection. Here's what €1,000 costs in cash vs a big high-street name (rates correct Tue 1 Aug): Via cheapest bureau for delivery (including delivery costs): £865 Via cheapest bureau for collection (in London): £868 Click & collect cash from M&S on the high street (non-cardholders): £873 Walk-up cash from M&S on the high street (non-cardholders): £888 3. Travelling outside the EU? Beware these debit cards... Most debit cards add a 3%-ish load on the exchange rate, but some ALSO add a charge each time you spend outside of the EU (plus Iceland, Liechtenstein and Norway), so buy something for a fiver and you can pay £6.65 for it. These are the worst cards to use in the USA and elsewhere. See our card-by-card overseas charges calc to find out how much your cards cost. The main offenders are: Bank of Scotland (50p) | Halifax (50p) | Lloyds (50p) | TSB (£1) 4. Top cards for under-18s to spend on abroad. With fewer using cash to spend abroad, it's tougher to give children spending money. The solution is kids' UK prepaid cards, where you (or they) load up money to spend. These also often let you set spending limits and monitor via apps too. Some offer near-perfect exchange rates. You should get the rate on the day you spend. Full info in Top kids' travel cards, but some of the main ones that do are... - HyperJar* is FREE, though it doesn't allow ATM withdrawals. - Nationwide's FlexOne is a fee-free bank account debit card for 11 to 17-year-olds, but doesn't have monitoring facilities like other cards. - GoHenry* is the most well-known brand, costs £4/mth, but go via that link and you get 6mths free, so you could get it for hols and cancel later if you're not using it. Or if you already pay for a Starling Kite* card, it also has near-perfect exchange rates. - If parents/guardians are a customer, Revolut <18* can be opened for free (£4.99 delivery fee). NatWest Rooster Money is similar, but its fee-free foreign spending is only on up to £50/mth. 5. What you should say when they ask: "Do you want to pay in pounds?" This is now very common, both at overseas cash machines and in stores - they'll pressure you to pay in pounds, but is it the right thing to do? In short, the answer's NO. See Martin's 'Pay in pounds?' video & blog to find out what to do and why. 6. Beware cash machines' own fees. When we talk about fees for withdrawing cash above, we're talking about fees charged by card providers. But it's becoming more common for the actual cash machine to charge you too. There's no way around this - but don't assume all ATMs charge the same. While making a film on this for his ITV show, Martin found cash machines within 200 metres of each other ranging from a €2 fee to a €7 fee, so it's best to try a few. Also check whether your UK bank operates ATMs abroad. Santander doesn't charge its customers for using its overseas ATMs, while Chase doesn't charge for using its ATMs in the US. 7. Don't use a credit card to buy cash or load a prepaid card. Most credit card providers count these as a cash transaction - and thus charge fees and interest. It's always better to use a debit card if you can. More info in don't buy travel cash with a credit card. 8. Withdrawing cash abroad on a credit card could be a pain for your credit record. On the right card it's cheap, but there may be a possible minor impact on your ability to get credit in future. See why in credit card ATM withdrawals.

 

 

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.

 

 

 

Stop throwing away cash by overpaying for mobiles. SIMply switch to fix it Millions can cut £100s/yr off mobile bills just by grabbing even cheaper Sims now 20GB data's just '£4/mth'. Can you? The prices of the cheapest new Sim-only deals continue to fall - though all are 'pay and get a voucher' short-term promos. Yet if you're one of 14m who are out of contract (text 'INFO' for free to 85075 to find out), you'll likely have seen a huge, above-inflation price hike instead. Cut costs by £100s/yr just by switching Sim. The Sim is the chip in the back of your phone that gives it its identity. Switching it is easy, and you can keep your number. Just text 'PAC' to 65075, then give the code you're sent to your new provider, which will transfer it. As MoneySaver Victoria emailed: "I was paying £22.50/mth - with a warning it might increase. My provider offered £9/mth for 3GB data. However, your best deal with 5GB was 99p/mth for six months, then £4.40/mth. So I opted for that and will be saving £20/mth [£240/yr] overall! THANK YOU!" Our Cheap Sim comparison has all today's deals, but to help you, here's our pick of the crop, including EU roaming policies for those off on hols soon... Top newbies' Sim-only deals All have UNLIMITED calls & texts. Data is the differentiator - use our Data Calculator if you're unsure how much you use Provider (network) Cost Lebara (Vodafone) MSE Blagged Service poll result: 4.1/5 Monthly rolling contract 5GB + free Europe roaming for '£3.45/mth': You pay £1.99/mth for the first six months, then £4.90/mth thereafter. Over a year, it's equivalent to £3.45/mth, but it's a one-month rolling contract, so you can cancel at any time. Lebara (Vodafone) Service poll result: 4.1/5 Monthly rolling contract 12GB + free Europe roaming for '£3.57/mth': You pay £6.90/mth, but can CLAIM a £40 Amazon, M&S, Argos or Just Eat voucher within six months. If you'd have spent there anyway, factor it in and it's equivalent to £3.57/mth if divided over 12 months. Top price/data sweet spot  TalkMobile (Vodafone) Service poll result: 4/5 1yr contract Ends Thu. 20GB for '£4.20/mth': You pay £7.95/mth, but can CLAIM a £45 Amazon voucher within four months. If you'd have spent there anyway, factor it in and it's equivalent to £4.20/mth over the year's contract. Roaming's £2.25/day to get your UK package while in Europe. iD Mobile (Three) Service poll result: 3.7/5 1yr contract Ends Fri. 54GB + free Europe roaming for '£6.50/mth': You pay £9/mth, but can CLAIM a £30 Amazon or Currys voucher within three months. Factor that in and it's equivalent to £6.50/mth over the year's contract. Roaming's limited to 30GB/mth of data. Top unlimited data pick Three Service poll result: 2.3/5 1yr contract Unlimited data for '£11.59/mth': You pay £17/mth, but you'll get £65 automatic cashback within three months. Factor that in and it's equivalent to £11.59/mth over the year's contract. Roaming's £2/day to get your UK package while in Europe. WANT A DIFFERENT NETWORK'S SIGNAL? Smaller networks 'piggyback' on the big four's. We've mentioned Vodafone and Three signals above, yet if you want more options for them, or O2 and EE's signals, our Cheap Sims tool lets you filter by the cheapest using each network. More Sim-switching need-to-knows... - Unlock your phone for free. If you're out of contract, your network must let you do this free. See Mobile unlocking. - Don't want to switch? Haggle. Mobile firms are among the easiest to haggle with. Full info in Mobile haggling. - Need roaming help? See our Cheap mobile roaming guide. - Members of cashback sites may be able to get deals even cheaper. In some cases, these sites can undercut promo deals elsewhere. Do check you're comparing like for like though, see Top cashback sites for more.

 

FREE £25 when you spend £5+ online. (3,000 available.) MSE Blagged. This deal is a no-brainer. Newbies to cashback site Quidco get an extra £25 cashback when they sign up via our special link and spend £5+. Top cashback sites. Stick, switch or fix? More new energy tariffs launch, so it's time to choose. The energy switching market is slowly coming back to life and, as we explained last week, you now have options. Six fixed energy tariffs now beat or match the Energy Price Cap, three of which - So Energy, E.on Next and a complicated Utility Warehouse tariff - are open to new customers. Full details in our Should I fix? guide. Plus there are variable tariffs from Octopus and newbie Fuse worth considering - see last week's energy update. Poundshop.com 10% off EVERYTHING code. MSE Blagged. £15 minimum spend. Delivery's £6. Poundshop Grab free £10 Amazon voucher + 4.35% easy-access savings. MSE Blagged. Newbies to app-only bank Kroo* who apply via this link get a £10 Amazon voucher for opening an account and putting £50+ in. Although it's a current account, its rate is decent compared with the top savings accounts - not too far below the top 4.63% payer - and if you're saving under £3,500, the £10 outweighs the extra interest. You needn't switch to Kroo, there's no hard credit-check, and it has the full UK £85,000 savings safety protection. Full info in Best bank accounts. Updated. Are solar panels worth it? Solar panels generate electricity to cover some (or all) of your usage, meaning your energy bill is cheaper - and with today's high prices, this can be a big saving. But they're not cheap to install, so check how the maths works for you in our Are solar panels worth it? guide, updated for July Price Cap rates. FREE McDonald's fries (normally £1.49) for app newbies. See how to claim in McDonald's MoneySaving hacks. 25% off top secret theatre tickets from £4, including West End shows. Special site sells last min unsold seats for the theatre, ballet, concerts and more at dirt-cheap prices - go via our link to get an extra 25% off your first booking. But you must agree not to say what you get so you don't upset people who paid full whack. See Top secret tickets.

 

 

BLAGGED FOR MSE - Lebara 5GB Sim for '£3.45/mth' Ends 31 Aug - £25 cashback on £5 spend 3,000 available - Poundshop.com 10% off code Ends Thu - £10 Amazon voucher with Kroo account Ends 30 Aug - 30% off Forthglade dog food Ends Fri	DID YOU MISS? - Ends Thu. FREE National Trust family day pass - Free £2 Lindt choc, £1.75 off chips & more coupons - Whodunnit, romance or sci-fi... grab free holiday books - Urgent. Are you due a £200 school uniform grant? - Three months' free access to 7,000+ magazines

 

 

With Spotify and Netflix hiking prices, and others expected to follow... How to cut the cost of streaming - get hours of music, TV & movies for FREE With Netflix axing its cheapest ad-free plan, and Spotify increasing subscription costs by £12/yr, the cost of streaming your favourite TV, movies and music's going up, and more hikes could be on the way - Disney+ and Paramount+ both recently increased prices in the US. Yet we've tricks to help you watch and listen to the shows and tracks you love as cheaply as possible, whether you're new to streaming, or you've several subscriptions and want to cut back... Streaming newbie? Watch or listen to months of top shows, movies and songs for FREE. Some services give free trials in the hope you'll be so blown away by their content you'll pay for it (or will forget to cancel). For example: - 7-day free trial: Paramount+, Apple TV+ (though Apple gives 3mths via O2 Priority, or if buying an iPhone, iPad, Mac etc) - 30-day free trial: Amazon Prime Video and Amazon Music Unlimited - 90-day free trial: Apple Music when signing up via an iPhone, iPad or Mac (or 6mths if buying AirPods or Beats), and Spotify Premium (if signing up via PayPal, otherwise 30 days) To max these, hop from one free trial to the next and you can watch or listen to months of content. But remember to cancel before you're charged. See TV & movie streaming free trials and music streaming free trials. Do you even need to pay? Watch 100s of hours of TV box sets and movies FREE on Channel 4, My5 and others. We've updated our list of 90+ popular box sets/movies you can stream for free - this includes A Quiet Place Part II, Gravity, Line of Duty, Peaky Blinders and Luther. If you do want paid-for movies and TV, at least do the streaming hokey cokey - put one service in, take one service out... Subscribe to ad-free Netflix, Prime Video, Disney+ and Apple TV+, and it's at least £32/mth. Instead, pay £6 to £11/mth for just one service, watch what you want, cancel it, move on to the next one, and do the same. We've full info on how to jump between 'em, including a handy tool to check which service has which shows. Use these deals and tricks to save on Disney+, Prime Video or Amazon Music Unlimited. They're popular, but many can still cut costs... - Disney+: 3mths for £12 in Clubcard vouchers | £15 cashback on an annual subscription | £2/mth off for O2 customers - Prime Video: Video-only membership for £5.99/mth | £2/mth off full Prime for O2 customers - Amazon Music Unlimited: Prime subscribers get it for £8.99/mth (normally £10.99/mth) More ways to pay less for what you watch. These quick tips could save you even more... - Paying annually can help you save £13 to £16. If you'll want the service for a year, pay less by paying upfront. - Multiple watchers in one household or family? Check if you can (legally) share your streaming. - Only watch streaming services? See if you can ditch the £159/yr TV licence. - Don't mind adverts? See how much you could save switching to Spotify Free or Netflix 'Standard with Ads'. PS: Want to watch the Barbenheimer double bill? These tips won't help, so see our 20+ cinema savers.

 

£210 make-up & skincare including Estée Lauder, Urban Decay, Huda Beauty & more for £50. 15-item set. Boots online beauty box Help to Buy helpline chaos leaving homeowners unable to sell or remortgage. Phone lines are jammed and there are long delays for vital paperwork. See what to try if you've been hit by the issues. Child turned 16 and in full-time education or training? Act NOW to avoid losing Child Benefit. To keep getting your payments, contact HM Revenue & Customs by 31 August. See child benefit when my child turns 16? 'I saved over £500/yr on my broadband thanks to your tips.' MSE Blagged. Our success of the week comes from Anita, who bagged a huge discount following our Virgin haggling tips. She emailed: "My broadband and phone were due for renewal. I was paying £37/mth and they wanted to put it up to £68. It took me two calls. The first could offer nothing less than £68/mth, but I had looked at your website and knew I could get it cheaper. I rang a second time and got it down to £21/mth [saving £564/yr] with nothing to pay until November. Thank you for your tips and just don't give up." If we've helped you save money (on this or 'owt else), please send us your MoneySaving successes. 30% off Forthglade dog food. MSE Blagged. On full-price items, includes wet / dry food & treats. Not in NI. Forthglade

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest 0%: NatWest (check eligibility / apply*) - 30mths 0%, 2.99% fee (23.9% rep APR) No-fee 0%: NatWest (check eligibility / apply*) - 19mths 0% (23.9% rep APR) Best bank accounts £200 to switch + £36/yr cashback: NatWest / RBS £175 to switch + top service: First Direct Top savings accounts Top easy-access: Shawbrook Bank 4.63%, min £1,000 Top one-year fix: Atom Bank 6.05%, min £50 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: Novuna (check eligibility / apply*) or AIB (NI) (apply), both 5.6% rep APR Broadband top picks Standard (10Mb+): Shell Energy '£16.88/mth' Fibre (30Mb+): Shell Energy '£18.83/mth' Fast fibre (55Mb+): Vodafone '£20.42/mth' Superfast fibre (100Mb+): Vodafone '£21.21/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: Lebara, '£3.57/mth' for 12GB

 

THIS WEEK'S POLL How do you normally pay for things when you're abroad? We're well into summer now (although you might not know it with all the rain!) and many of us are already away, or planning an overseas trip. So this week, we want to know how you normally pay for things when you're abroad. Do you stick to cash, or prefer paying by card? Let us know in this week's poll. Almost half of MoneySavers gave their kids their first mobile between age 10 and 12. Last week, we asked what the most appropriate age is for children to get their first mobile phone, and over 7,300 people voted. Around 44% of those with kids said their child got a phone between 10 and 12, and almost three-quarters (72%) who hadn't given their child a phone said they would at the same age. See the full poll results.

 

 

MSE NEWS - Top story: Wizz Air passengers could get £100s back from wrongly rejected refund claims - New laws to tackle online scam ads finally confirmed - but the fight against fraudsters isn't over - Savers to be sent switching prompts in crackdown on low rates - All London primary age children to get free school meals for a year from September

 

 

MONEY MORAL DILEMMA Should I pay more for our holiday because it's one my partner won't like? I usually let my partner decide where we go on holiday, but have found one I'd really like to go on. It's more expensive than what we usually budget for, but I'm prepared to save up so we can afford it. The catch is that the holiday won't be to my partner's liking - it's not the sort of thing he's interested in at all. Should I offer to pay more because it's more 'for me', or should we split the cost evenly like we always have because he usually decides where we go? Enter the Money Moral Maze: Should I offer to pay more towards our holiday as my partner won't like it? | Suggest a Money Moral Dilemma

 

 

PENTHOUSE UPGRADES AND THEATRE SERENADES - WHAT ARE YOUR BEST BIRTHDAY/ANNIVERSARY BLAGS? That's all for this week, but before we go... what's the best way to celebrate a birthday, anniversary or honeymoon? Blagging a freebie of course! We asked our social media followers about their top blags, and they didn't disappoint. One requested a hotel sea view for their husband's birthday holiday to Madeira and were instead upgraded to a penthouse apartment overlooking the sea. Another blagged access to Heathrow's first class airport lounge for their 10th wedding anniversary. And one lucky (?) person was serenaded by the entire London Palladium audience after their dad told a performer it was their birthday. Let us know the best freebie you've nabbed in our Facebook and Twitter (technically now called 'X') conversations. 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 firstdirect.com, chase.com, barclaycard.co.uk, hyperjar.com, gohenry.com, starlingbank.com, kroo.com, natwest.com, novunapersonalfinance.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.