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THE TOP TIPS IN THIS EMAIL Urgent post-base rate savings check: - Why 5% is the minimum you should get - Beat the base rate with 5.15% fix - Boost interest by up to 50% Ends. Longest 0% debt shift card 5 flight delay/cancellation need-knows Stop press:NS&I launches 2yr 4.6% British Savings Bond New. £190 FREE bank switch cash £270 Shark upright vac £130 New. Cheapest iPhone 14 '£28/mth' M&S up to 50% off sale Mortgage providers to cut variable rates Updated. Are solar panels worth it? Royal Mail launches 'fake stamp scanner' Join the 1.5m now on the MSE App New. Extra £26 cashback on £5+ spends 'I got £400 back from Carpetright' 3mths' free access to 7,500+ magazines New. Cheapest 100GB Sim '£6.62/mth' Ends Sat. Holland & Barrett 23% off code FREE Warburtons crumpets In Eng with a child aged 9mths to 4yrs? Register for 'free' childcare NOW This week's best buys, eg, 132Mb broadband £22/mth, 6.1% loan, Cheap Energy Club Should bridesmaids have to pay for the bride to attend two hen parties? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals MSE Car Insurance Compare+ 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 Best Sim-only deals

Bank of England cuts base rate to 5%... Check your savings rate NOW - millions can DITCH & SWITCH to earn 5.2% easy access or 5.15% fixed After months of speculation, the Bank of England has finally cut interest rates for the first time in over four years, with the base rate falling last Thursday from 5.25% to 5%.  It's accelerated the downward trend we've seen in savings rates over the last few months - hours after the Bank's announcement, our inboxes were flooded with notifications from banks about cuts to their savings products (yet sadly, and predictably, we've not seen the same pace of cuts for mortgage borrowers). Some analysts are suggesting the base rate won't be cut again until December, yet this should serve as an urgent reminder to EVERYONE to check their current savings rate NOW. Millions are on naff rates and can ditch & switch to easy-access or fixed-rate savers or cash ISAs paying far more, or even lock in a rate to hedge against future cuts. Don't accept less than 5% at the minimum Both top easy-access savings AND cash ISAs pay at least that Easy-access savings are the simplest form of savings, where you can put money in and take it out when you want.  - Pros: Flexibility. Access to your cash whenever it's needed, and you can ditch at speed if the rate's no longer competitive. - Cons: They're all AER variable, which means rates can and do change, so you need to monitor them. Remember, rates change rapidly, so do check the latest top easy-access savings and the latest top easy-access cash ISAs. Top easy-access savings – and it's a CASH ISA paying 5.2%. Unusually, the best savings rate at the moment comes from a top cash ISA (a savings account you can put up to £20,000 per tax year in and the interest's NEVER taxed). That's Trading 212's* 5.2% AER (min £1). The name might sound a bit odd, because it's a share-trading platform, but it should all work like normal, though you can read more about its complex structure. Next best ISA is app-only Plum, paying 5.17% AER (min £100), yet it's another that's a bit complicated. Top OPEN-TO-ALL easy access pays 5%. Technically the top normal easy-access account is NatWest Group's Ulster Bank at 5.2% AER, but that requires an Ulster current account and a hard credit check. Principality's 5% AER (min £1) is next best, but only allows 3 withdrawals a year. Or Close Brothers pays 4.9% AER but has a high £10,000 min deposit. Top BIG NAME online easy access pays 4.85%. You often tell us you want a name you know. Top is Santander-owned Cahoot at 4.85% AER (min £1), followed by Leeds Building Society's 4.85% AER (min £1,000). There's also Virgin Money's 4.76% AER (min £1), though it only allows 3 withdrawals a year. Tesco Bank's* 4.66% AER (min £1, lasts 1yr) allows unlimited withdrawals and has the same low £1 min deposit. Top 'IF YOU BANK WITH US' accounts pay 6%. For these easy-access accounts, you need to have a current account with the bank to open them. The rates are higher, but the amounts limited. The standout is Santander's Edge Saver*, which pays 6% on up to £4,000, though the current account has a £3/mth fee. How savings tax works... If you've savings that aren't in an ISA, then interest is paid to you tax-free, but can be taxed as income. Yet each year you get a personal savings allowance, which means: - Basic 20% rate taxpayers don't pay tax on the first £1,000/yr of interest. - Higher 40% rate taxpayers don't pay tax on the first £500/yr of interest. - Top 45% rate taxpayers pay tax on all interest (outside an ISA). As interest rates have risen, you need far less saved to bust the limit. At 5% interest, a 20% rate taxpayer would earn enough to pay tax with £20,000 saved, a 40% rate taxpayer earns enough to pay tax with £10,000 saved. Already have cash ISAs? Transfer to a top payer. If your existing cash ISA pays less, most of the top payers allow you to transfer into them. To do this, just apply for a new cash ISA, and as part of the application you'll be asked if you want to transfer your existing cash ISA over (don't just withdraw cash to move it, then it loses its 'cash ISA' status). Lock in at 5.15% with a top fix It's still possible to beat the base rate With fixed-rate savings and fixed-rate cash ISAs, the interest rate is guaranteed till maturity - it can't change during the term. But your money's LOCKED AWAY, which also means that if in a few months the accounts no longer look competitive, you're usually stuck with 'em. This doesn't apply, however, to fixed cash ISAs, where you can access your money (for a penalty) - so while normal fixed savings rates are higher than fixed ISAs, the latter can be useful if there's a chance you'll need to access the money during the term. One-year fixes currently out-pay all longer fixes, though you may want to lock in for longer if you want certainty of returns for the future, especially if you think rates will drop further. Again, rates change rapidly, so do check the latest top fixed savings and the latest top fixed cash ISAs. Today's top open-to-all fixed savings rates All accounts have full UK £85,000 savings safety  Fixed savings Fixed cash ISAs  1yr fix - MBNA 5.15% (part of Lloyds Group), min £1k - Close Brothers 5.1%, min £10k - StreamBank 5.05%, min £1k ----------------- 5.15% is equivalent to:  4.12% after 20% tax  3.09% after 40% tax - Close Brothers 4.92%, min £10k - Kent Reliance 4.91%, min £1k - United Trust Bank 4.9%, min £5k 2yr fix - Harpenden BS 4.96%, min £1k - Hodge Bank 4.94%, min £1k - Close Brothers 4.9%, min £10k ----------------- 4.96% is equivalent to:  3.97% after 20% tax  2.98% after 40% tax - Beehive Money 4.73%, min £500 - Harpenden BS 4.72%, min £1k - UBL UK 4.71%, min £2k Prefer a name you know? Top fixes from well-known names 1yr fix - MBNA 5.15% (part of Lloyds Group), min £1k - Tesco Bank 4.81%, min £2k ----------------- 5.15% is equivalent to:  4.12% after 20% tax  3.09% after 40% tax - Leeds BS 4.65% (matures 1 Sep '25), min £100 - Santander 4.62% (matures 1 Sep '25), min £500 2yr fix - NS&I 4.6%, min £500 - Leeds BS 4.55% (matures 2 Sep '26), min £100 ----------------- 4.6% is equivalent to:  3.68% after 20% tax  2.76% after 40% tax - TSB 4.35%, min £1 - Leeds BS 4.35% (matures 2 Sep '26), min £100 Is it worth fixing now? Fixed rates are based on the market's view of future rates. Following last Thursday's base rate cut (which was expected and already priced in), markets are pricing in one further cut before the end of 2024, likely towards the end of the year, with further cuts then expected to follow in 2025. But predictions can and do change, so there's a balance between crossing your fingers and leaving your cash accessible and earning (slightly) more in an easy-access account, in the hope the base rate will stay stable over the next few months, versus locking in a lower-paying fixed rate on the basis that rates are firmly on their way down. A taxing question for fixed rates. The interest on fixes crystallises for tax when you can access it, so some may want it paid monthly so they can spread out the interest over years, rather than get it in one lump which may push them up a tax bracket. Others may want it all paid at the end as, for example, they're retiring and may be a lower taxpayer then. For more, see our fixing: a taxing question help. Note that if you've a fixed cash ISA, none of the interest will be taxed provided it remains within the ISA wrapper. Locked in to a poorly paying fixed cash ISA? Cash ISAs, even fixes, can't lock you in - they must allow you to withdraw money, though can charge an interest penalty for doing so. Many who locked in 2+ years ago are on terrible rates and should pay the penalty to move. Our Should I ditch my fixed ISA? calc checks the maths works for you. Warren did, and emailed: "Took Martin's advice and switched two low-paying fixed ISAs into a one-year fixed ISA paying 5.36% - it cost me £118 in penalty charges but they will generate £880 in the new ISA." Boost interest up to 50% with special accounts There are a few specialist savings options some can take which pay more. So here's our checklist of other things to look at... 1. Are you on UNIVERSAL CREDIT or Tax Credits? You may qualify for an unbeatable 50% Help to Save bonus. 2. Do you have existing expensive DEBT? Paying off debt is usually more lucrative than saving. See our Should I pay off my debt? guide, the Should I overpay my mortgage? guide, and use our Mortgage Overpayment Calculator. 3. Are you a wannabe FIRST-TIME BUYER aged 18 to 39? There's a whopping 25% bonus possible via top Lifetime ISAs. 4. Save regularly each month? Earn over 10% in top regular savings. 5. There's nowt wrong with investing either. With investing, you aim for higher returns, but accept the risk you could lose some or all of your initial investment. We don't talk much about it, not because we're against it, just because it's not our area of expertise. For many, over the longer run, investing is the right call. For an introduction, see Stocks & shares ISAs, but you'll need more specialised websites for help on what to invest in.

 

 

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 11.59pm Wed. Longest 0% balance transfer card Can't afford to clear your credit cards? QUICKLY shift debt to 29mths INTEREST-FREE If you've credit card debt, a 0% balance transfer is a powerful tool to slash costs. It's where you get a new card, which pays off the debt on your existing card(s) for you, so you owe it instead, but interest-free for a set time. That way, more of your repayments clear the actual debt, rather than just cover the interest. After months at the top of our best-buy table, Tesco Bank is cutting the 0% period on its market-leading balance transfer card at 11.59pm tomorrow (Wed). So if you're paying interest, don't delay. Two tips first... 1. Don't just apply - that can hit your ability to access credit. Go via an eligibility calc. Our 0% Balance Transfer Eligibility Checker speedily shows acceptance odds for top cards (some people are 'pre-approved') so you can home in on those most likely to accept you, without affecting your creditworthiness. 2. Go for the LOWEST FEE within a 0% time long enough to clear the debt. Longer balance transfers usually have a bigger one-off fee to transfer. So if you've a choice and can clear debt quicker, go for a shorter deal to minimise fees. Unsure? Play safe, go long, such as Tesco's card. Top-pick newbies' 0% balance transfers (longest first) Ends 11.59pm Wed.  Tesco Bank Link goes via eligibility or apply direct* - 29mths 0% - 3.49% fee  - 24.9% rep APR interest after The longest 0% deal. Apply before 11.59pm tomorrow (Wed) and all accepted will get 29mths at 0%. Barclaycard Link goes via eligibility or apply direct* - Up to 28mths 0% - 3.45% fee - 24.9% rep APR after Slightly lower fee, but one month fewer, and an 'up to'. So whether you get the full 28mths 0% depends on your credit history. If our eligibility calc shows you're pre-approved, you WILL get the full 28mths - if not, you could get just 14mths. Virgin Money It's asked for all applications to go via our eligibility link above - 20mths 0% - 2% fee - 24.9% rep APR after Much lower fee if you can clear in 20mths. A middling card for length and fee, but one that will work for many who can repay quicker. NatWest It's asked for all applications to go via our eligibility link above - 13mths 0% - NO fee - 24.9% rep APR after Longest NO FEE 0%. A clear winner for those who can pay off within 13mths, as there's no cost at all. If you do get a card, ALWAYS follow the Balance Transfer Golden Rules: a) Never miss the minimum monthly repayment, or you could lose the 0% deal and it'll cost far more. b) Aim to clear the card (or balance-transfer again) before the 0% ends, or the rate rockets to the higher APR. c) Don't spend or withdraw cash. It usually isn't at the cheap rate and withdrawals may hit your ability to get future credit. d) If you don't transfer at application, you've usually only 60 to 90 days to get the 0% deal. Do check with the card provider. Quick balance-transfer FAQs (click links for Martin's answers) Q. Is it worth applying if my eligibility odds are low? | Q. What if my credit limit isn't big enough? | Q. Can I shift debt to existing cards too? | Q. Should I try to pay off my biggest debt first? SPOILER: NO. Full help and info, including options for poorer credit scorers, in Best balance transfers.

 

STOP PRESS. NS&I releases new British Savings Bonds, including 4.6% for 2yrs. See how they stack up in our full analysis. New. Get up to £190 FREE cash by switching bank. Two top offers ended last week, yet a new deal paying switchers up to £190 has launched to fill the void. TSB's Spend & Save* gives £100 upfront, £15/mth cashback for six months, plus a perk next April (eg, six Odeon cinema tickets, or a one-night hotel stay for two). See our full TSB write-up for how to get all this. Plus, check out more options, including Barclays' FREE £175* plus perks (eg, Apple TV+), in Best bank accounts. £270 Shark upright vacuum for £130 with code. MSE Blagged. 4,000 available. Shark New. Cheapest iPhone 14 '£28/mth'. Newbies to iD Mobile (uses Three's signal) can get an iPhone 14 (128GB) on a 24mth contract with 100GB data via Carphone Warehouse. It's £29 upfront, then £26.99/mth, and you can claim a £5 Amazon voucher. Factored in, it's £671.76 in total, equivalent to £28/mth. Buying just the handset from Apple is £699, so this is a strong deal. The retailer is responsible for the handset, iD Mobile for the contract. Want more options? Use our Cheap Mobile Finder. M&S up to 50% off clothes, home & beauty sale. Online & in store on 1,000s of its own items, plus brands including FatFace, White Stuff & Crew. M&S sale Mortgage providers to cut variable rates after base rate drop. See our lender-by-lender round-up. Updated. Are solar panels worth it? Energy prices fell by 7% last month (but are likely to rise in Oct). See how this tweaks the solar panels maths. Royal Mail launches in-app 'fake stamp scanner'. After rise in complaints from people being fined. How checker works Join the 1.5m who have now downloaded the MSE App. The MSE you know & love, but appified. Download free via Apple App Store or Google Play Store.

 

 

BLAGGED FOR MSE - £270 Shark upright vac for £130 4,000 available - Holland & Barrett 23% off code Ends Saturday - Extra £26 cashback when spending £5+ online Ends 31 Aug - 3 months' free access to 7,500+ digital magazines Ends 3 Sept	DID YOU MISS? - Free £3 beer, £1 off Pukka pies, plus more coupons - £37 Ted Baker prescription specs or sunnies (normally £135) - First sub-4% mortgage since April launches - will others follow? - Car boot sales - how to make money selling unwanted stuff

 

 

'Used your flight delay template - days later we got £540' Could you claim too? Check our 5 flight delay & cancellation need-to-knows The big summer getaway is now on. And while most flights go to plan, a minority don't, with travellers suffering the impact of delays and cancellations. Yet many are unaware of their legal right to claim between £110 and £520 in compensation each, if the airline is at fault. That's ON TOP of any refund, alternative flight or food reimbursement. As Angela told us in June: "In May, our New York flight was delayed 3+ hours due to a new plane part being needed. The airline only mentioned food/drink reimbursement, but your email prompted me to check for compensation. It took 15 mins using your template. I found out a few days later that I'd get £540 for me and my husband. Thank you."  So here are our five need-to-knows, plus we've full help in our flight delay & flight cancellation guides... (Holiday coming up? Bookmark 'em just in case.) The rules apply to any UK or EU 'regulated' flight within the last six years (five in Scotland). That's ANY FLIGHT leaving a UK/EU airport and any UK or EU AIRLINE arriving at a UK/EU airport. See which flights count and also what to do if your flight wasn't UK/EU. For DELAY compensation: the flight must have arrived over three hours late. When you took off is irrelevant - what counts is when the doors open on arrival. See how to check delay lengths and how much compensation you can claim. For CANCELLATION compensation: what counts is when it was cancelled and how late or early the alternative flight was. You're always entitled to a choice of a refund or alternative flight. Compensation on top may be due if the cancellation was within two weeks of your departure and the alternative flight offered takes off earlier or later than the original (how much earlier or later matters, so see when you're due cancellation compensation). Even if you chose a refund and not an alternative flight, compensation is still based on the time of the alternative flight offered. Whether it was a delay or cancellation, you're ONLY due compensation if it was the airline's fault. Most issues are defined as the airline's fault - for example, staff shortages (including due to illness), or knock-on issues due to the prior flight being delayed. But if it's an extraordinary circumstance such as extreme weather, or problems directly caused by 3rd parties such as the airport or air traffic control, it isn't. See what counts as the airline's fault. Use our FREE letter templates - DON'T pay to claim. Our flight delay and flight cancellation reclaim tools draft your complaint and help to escalate it to the relevant resolution scheme if rejected - and as it's totally free, you keep ALL the compensation. Though if it gets tricky, there's some decent no-win, no-fee help available as a last resort. Should I always claim if I'm eligible? It's up to you, but if the flight cost £20, is it fair to claim back £100s? See Martin's legal vs moral concerns for help. PS: If you're significantly delayed at the airport, the airline must pay (or reimburse you) for food, drink and, if necessary, overnight accommodation - so keep receipts. See rights if delayed at the airport.

 

New. Get an extra £26 cashback when spending £5+ online. MSE Blagged. Quidco newbies can get an extra £26 cashback by signing up via our link & then spending at least a fiver through the site. Quidco boost 'I got £400 back thanks to your Carpetright administration help.' Our success of the week comes from Fay: "I just wanted to say thank you for the information on Carpetright going into administration. I managed to successfully complete a chargeback claim with my bank, as I paid via debit card & now have the £400 I lost back in my account. Thanks for this really valuable & clear information." If we've helped you save or reclaim cash (on this, or owt else), send us your successes. 3 months' free access to 7,500+ digital mags & newspapers, including Good Housekeeping, Women's Health, Hello. MSE Blagged. For Readly newbies & those who cancelled over six months ago. Mag-nificent New. Cheapest 100GB Sim, now even cheaper - '£6.62/mth'. The price has dropped since last week. Newbies to TalkMobile (uses Vodafone's network) pay £9.95/mth for a 100GB Sim, and can CLAIM a £40 Amazon voucher. Factor that in & it's equivalent to £6.62/mth over the 12mth contract. Want a different network? Use our Cheap Mobile Finder. Ends Sat. Holland & Barrett 23% off most items code. MSE Blagged. Online only, valid on discounted items too. H&B FREE Warburtons crumpets at Morrisons Cafés. Any day when you say a secret phrase - full info in free crumpets. Please pass on to those who may be struggling. Related: Kids eat 'free' or for '£1' round-up. In England & have a child aged 9 months to 4 years? Register for 'free' childcare now. You've got till 31 Aug to register for up to 30 hours of 'free' childcare a week for the autumn term. Scotland, Wales & Northern Ireland run similar schemes for 3 & 4-year-olds. 'Free' childcare

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Ends Wed. Longest 0%: Tesco Bank (check eligibility / apply*) - 29mths 0%, 3.49% fee (24.9% rep APR interest) No-fee 0%: NatWest (check eligibility, NatWest has asked us to link only to our calculator) - 13mths 0% (24.9% rep APR interest) Best bank accounts £175 to switch + perks (eg, Apple TV+): Barclays New. Free £100 + £15/mth cashback: TSB Broadband top picks Fast fibre (100Mb+): Virgin '£22.06/mth' Superfast fibre (500Mb+): Vodafone '£26.88/mth' On Universal Credit or similar? Check all discounted social tariffs Car insurance Try our Compare+ Car Insurance tool Cheap loans Cheapest for £5,000 to £7,499: Tesco Bank (check eligibility / apply*), 7.2% rep APR (for Clubcard holders) Cheapest for £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 6.1% rep APR (for Clubcard holders) Top savings accounts Top easy access: NatWest Group's Ulster Bank 5.2%, min £5,000 Top one-year fix: MBNA (part of Lloyds Group) 5.15%, min £1,000  Top energy deals Try our relaunched Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£3.13/mth' for 3GB 4GB to 9GB data: Lebara, '£3.23/mth' for 5GB 10GB to 30GB data: iD Mobile, '£4.50/mth' for 30GB 31GB+ data: TalkMobile, '£6.62/mth' for 100GB

 

THIS WEEK'S POLL How much money do you have in savings? Though it's been a difficult time for many to build up savings, over the past 12 months we've seen some of the highest savings rates for over a decade. On Thursday, the Bank of England lowered the base rate to 5%, and we've already noticed some top savings rates beginning to fall. This week, we want to know how much you have saved, and in what type of account you have the majority of your savings. Vote in this week's poll. Half of MoneySavers are on a fixed tariff for electricity and gas. Last week, we asked you whether you were on a fixed or a variable energy tariff, and over 5,400 of you responded. Just under 50% of respondents said they were on a fixed deal for electricity and gas, with just over one-third (38%) of those saying they had 10 to 12 months left on their fix. See the full results.

 

 

MSE NEWS - Top story: Tesco Clubcard vouchers worth £14 million expire this month - how to use or extend yours

 

 

MONEY MORAL DILEMMA Should we as bridesmaids have to pay for the bride to attend her own hen parties? I've been asked to be a bridesmaid, which will include going to a dress fitting and two hen parties - one in the UK and one abroad. The bride's expecting the other bridesmaids and me to pay for these events ourselves, and also pay for her portion between us. Given that we've agreed to go to all these events for her, should we have to pay for her to attend them too? Enter the Money Moral Maze: Should bridesmaids pay for the bride? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MSE TEAM BLOG - Missed or cancelled a flight? Don't miss out on the tax refund

 

 

 

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 santander.co.uk, tescobank.com, trading212.com, tsb.co.uk, barclays.co.uk Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA 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 MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips.