Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG, VIDEO & ARTICLES
Does bank switching affect your credit score?
Something you're often asking me is whether bank switching will impact your credit score, particularly if you're doing more than one.
The answer is yes with a number of factors contributing, but whether that's a problem will depend on your situation.
Be a seat filler and get cheap tickets
If you're looking for cheap things to do this summer, then seat filling can be a huge money saver.
Every year there are a number of festivals and outdoor events listed for a fraction of a ticket's face value, as well as indoor talks, plays and comedy shows. Here are the best ones to explore.
June 2023’s credit card news & round-up
Read and watch my latest credit card update, including:
- the latest on whether there'll be an Amex Shop Small this summer
- if the £20 Halifax Clarity offer is better than the Barclaycard Rewards cashback
- rumours that Amex has introduced minimum income levels for cards
- whether we'll ever see an Apple Card in the UK
All this and more.
State Pension top-up deadline extended
There's been huge demand from people looking to fill gaps in their National Insurance records so they get the full State Pension when they retire.
In fact, so many have tried the system can't cope, and you've now got until April 2025 to make payments - if you need to. Find out here why it's important to check your State Pension forecast now.
CASH CHATS PODCAST
323 | How to get 9% on savings & your holiday finances to-do list
In the latest episode of the pod I’m talking about:
- How regular savers work, and why the interest rate isn’t a con
- The things you need to check before you go on holiday
- A listener question about Junior ISAs
You can listen to episodes via all the normal podcasting apps or over on the blog.
If you do listen on one of these apps, please do remember to hit follow so you get each episode as soon as it's released.
YOUR QUESTIONS
Ask Andy Live Q&A: Monday 19 June @7pm
My live Q&As are the best place to ask me your questions. The next one will be on Monday at 7pm.
Make sure you follow me on YouTube or Instagram to join in. The earlier you ask your question the more likely I'll have time to answer it.
Ask a question in the Facebook group
Or, join the Facebook community to ask your questions and share your money experiences and ideas. There are 5,000 of us in there so far!
THIS WEEK'S TOP DEALS
I only share deals and special offers on the blog which I think are really good value. Click the titles or links for more information.
I'll also share a quick update on Instagram on Saturday morning.
1. Amex Gold: £220 welcome offer
A brand new boosted sign-up offer launched this week for the American Express Preferred Rewards Gold credit card.
It could be worth up to £220, plus this time there's the chance to also win up to £200 in Amazon vouchers on top. Here's more.
2. Savings: Up to £100 bonus
Put money away with Hargreaves Lansdown for at least six months and you can get a bonus of up to £100 on top of some decent short-term fixed rates such as 4.8% from Kent Reliance for half a year. Here's more.
3. Savings: 3.91% easy access & 5.42% 1 year fix
More increases this week across all types of accounts. There's now 3.91% on easy access from Shawbrook and 5.42% in a one-year fix from Castle Community or Oak North. Here's more.
3. Clubcard: Last chance to triple value of Clubcard points
Though this was due to end on Tuesday the opportunity to swap Clubcard vouchers for triple rather than double value will now finish at midnight Thursday. Here's more.
5. Costa & Caffe Nero: £5 extra on gift cards
There's a free fiver when you buy a £20 gift card from both of these high street coffee shops. Here's more.
6. Consumer Credit Awards: Vote for a chance to win £1,000
If you head over to the Smart Money People site and leave a review for a credit provider (so cards, loans, BNPL, credit scores etc), you'll be put in a prize draw to win a £1,000 cash prize. Plus your vote/review will help others when they're researchng products. Here's more.
7. Ocado: 25% off wine
Ocado has joined the multi-buy wine offer gang. Here's more.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Savings
Top savings offers
- Chip: Up to £50 bonus
- Hargeaves Lansdown: Up to £200 bonus
- Santander: £50 ISA bonus
Top savings best buys:
- Top regular saver (with current account): 7% with First Direct
- Top current account linked interest: 5.12% with Barclays
- Top limited access account: 4% with Coventry Building Society
- Top easy access account: 3.91% with Shawbrook Bank
- Top easy access Cash ISA: 3.78% from Shawbrooky
- Top 1-year fixed account: 5.42% with Castle Community Bank
- Top 1-year fixed Cash ISA: 4.65% from Virgin Money
Credit cards
Top cashback credit card offers:
- American Express Gold: Boosted 30,000 points
- British Airways American Express: Boosted 10,000 points
Banks
Top banking switch and welcome offers:
- Co-operative Bank: £125 refer-a-friend switch
- First Direct: £175 switch + £40 cashback
- HSBC: £200 switch + £40 cashback
- Lloyds: £150 switch
- Natwest switch: £200 bonus
- RBS: Up to £200 switch offer
- Tide business welcome: £75 cash bonus
Top banking best buys:
- Top reward account: £5 a month from Halifax
- Top cashback on bills: Up to 3% back with Santander 123
- Top cashback on spending: 1% back with Chase
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MORE DEALS!
Here are a few ongoing and recent offers you might have missed:
Cashback offers
- TopCashback: £15 welcome offer
- Cashback: Up to £91 for free
- YouGov: £50 cash for sharing bank data
Shopping vouchers and other deals
- Amazon: Up to £10 off for some
- Snoop: Free £5 Amazon voucher
- Flowers: £10 off Bloom & Wild
- LNER: Free £5 train travel credit
- Railcards: 20% off
- NUS card: Non-student card trick
- Birthday freebies: Food, drink and vouchers
Entertainment deals
- Spotify: Including 12 months for the price of 10
- NOW TV: 40% off passes
- Apple TV+: Up to 11 months free
- Netflix & Sky TV: One month free
- Vue: £5 for ticket and 2 pizzas
- Disney+: Free with bank account
- Discovery+: Free with BT Sport and Sky
- Ethical Consumer: Free issue of the magazine
Food and drink offers
- Tesco Clubcard Plus: One-month free trial
- Tastecard: 60-day free trial
- Ocado: 30% off your first order
- Gousto & Hello Fresh: More than 90% off your first boxes
- Buttons: Free pack
- GreenJinn: £1 welcome credit
- Greene King: Free pint or spirit & mixer
- Brewdog: £150 bar credit for £99
- McDonald's & Burger King: Freebies from loyalty schemes
- Caffe Nero: 25% off drinks and pastries
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Recent content you might have missed
I know it can be tricky to read, watch and listen to everything I create each week, so here are some articles, videos and podcasts from the last few weeks you might have missed.
- Regular savings accounts explained
- June 2023’s current account news & offers
- 53 more Halifax, BoS and Lloyds branches to close in 2023
- Barclays to close yet more branches
- June 2023’s savings round-up
- Energy price cap falling to £2,074 from July
- My month in money #17
- Netflix Extra Members: What you need to know
- Nationwide’s £100 member bonus: Will you get it?
- Morrisons bring back More loyalty scheme
- How to get the best value sun cream
- How to get O2 Priority if you’re not on O2
- Ways to manage your money and mental health
- Interest rate at 4.5%: what does the rise mean for you?
- How to get the best value hotel rooms
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Most recent videos:
BANK OFFERS: Nationwide, Lloyds, Starling | NEWS: Chase, Revolut, Barclays - UK June 2023 update
BEST SAVINGS ACCOUNTS: 4.5% limited-access, up to 5.35% fixes, 3.75% ISAs & more (June 2023 update)
Energy Price Cap to fall: How much lower will your energy bill be?
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