Your weekly money saving deals and news from money expert Andy Webb & the team
Our top content this week
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Santander Edge Saver hikes savings rate to huge 7%
You can now beat inflation on (some) of your savings! The Edge Saver will pay 7% on balances of up to £4,000 - but there are some catches. First, you need to have the Santander Edge current account (which comes with a monthly fee), and the rate drops after a year. So is it worth it? Here's our analysis.
Disney+ Price Changes & adds adverts: Will you pay more?
From November Disney+ is changing how the streaming services works. Rather than once tier there will be three, and depending on what you do in the next few months you could be spending more or less to watch. Here's what's happening and how to beat the price hike.
UK Inflation rate falls to 6.8%
For the second consecutive month, UK inflation has fallen and is now at 6.8%. But what does that actually mean? Here's what you need to know.
Tandem Instant Access Saver - is it any good?
We told you last week about Tandem's new table topping 5% easy-access current account (the Santander Edge Saver might pay more but this doesn't have a balance limit).
It's well worth a look but some of you are uncertain about using an app only bank so we've broken down everything you need to know.
The best student bank accounts for 2023
Since it's A-Level results day, it's time to look again at the best student current accounts, including which ones offer the best freebies and why a 0% overdraft is vital.
Be Clever With Your Cash news
Our social media handles have changed
An important update for you all - we've switched from using @AndyCleverCash to @BeCleverWithYourCash on most of our social media accounts (it's @BeCleverCash on Twitter/X).
Find out why - and what you can do to make sure scammers don't catch you out following the change.
CASH CHATS PODCAST
333 | Disney+ price hike, Premium Bonds boost & top student current accounts
In the latest episode of the pod I’m talking about:
- How to beat the new Disney+ price changes
- Which student bank accounts have the largest 0% overdrafts and best freebies
- Whether the increased Premium Bond prize rate is better than savings
- A listener question about keeping track of savings interest
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 #77: Your money questions answered
My live Q&As are the best place to ask me your questions. You can watch the one from Monday here.
I'll share in a future newsletter the date of the next one. 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 now 6,200 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.
1. Vue: £4 cinema tickets with Groupon
Watch the latest blockbusters for as little as £4 at Vue cinemas across the UK with Groupon’s ticket bundle deal until the end of September. Here’s more.
2. TSB: Last chance to switch for up to £270
There’s not long left to get up to £270 with the TSB switching deal. The switch needs to complete runs by 31 August 2023 so you’ll need to be quick with this one. Here’s more.
3. ISAs: 5.3% limited access fix
A bit of an odd ISA, but one that could get you a better rate if you're not sure you want to completely fix your cash. Provided by Barclays, you can take out up to 10% of your deposit three times a year, and keep adding to it. Here's more
4. Nectar: Spin to win prizes and freebies
Nectar cardholders have the chance to win bonus points and prizes (such as packets of crisps) until 29 August 2023. Here’s more.
5. Santander Edge: Up to £10 cashback
If you are tempted by the Edge Saver reviewed at the top of the newsletter, then you'll need an Edge current account - and you can get a free tenner if you apply via a cashback site. Here's more.
6. Nando’s: Free food on Results Day
Nando’s is offering a free quarter chicken or starter for students getting their A-Level results today (17 August) and next week for GCSE students. Here’s more.
7. Liberty: Free beauty boxes via subscription
This one can only be considered free if you’d usually spend £240 or more at Liberty. You can get free subscription boxes valued at £300 by putting £20 a month into your “beauty box”. If you’re tempted, make sure you know how it works and the drawbacks. Here’s the details.
8. IKEA: Students get £10 off a £75 shop
Students aged 18 and over can save £10 on a £75 shop online or in-store at IKEA. Here’s more.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Savings
Top savings offers
Top savings best buys:
- Top regular saver (with current account): 7% with First Direct
- Top current account linked saver: 7% with Santander
- Top easy access account: 5% with Tandem
- Top easy access Cash ISA: 4.43% with Shawbrook
- Top 1-year fixed account: 6.01% with Smart Save
- Top 1-year fixed Cash ISA: 5.77% with UBL
Credit cards
Top cashback credit card offers:
- Asda Money: Up to £50 back in Asda Pounds
- Yonder: 6 months free membership
Banks
Top banking switch and welcome offers:
- Co-operative Bank: £125 refer-a-friend switch
- First Direct: £175 switch + £40 cashback
- Halifax: Up to £225 switch
- Natwest: £200 switch
- RBS: £200 switch
- TSB: Up to £200 switching bonus + up to £40 cashback
- Ulster Bank: £200 switch
- Tide business welcome: £75 cash bonus
Top banking best buys:
- Top reward account: £5 a month from Halifax
- Top cashback on bills: 1% back with Santander Edge
- 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
- NUS card: Non-student card trick
- Birthday freebies: Food, drink and vouchers
Entertainment deals
- Spotify: Including 12 months for the price of 9
- NOW TV: 40% off passes
- Apple TV+: Up to 11 months free
- Netflix: One month free via Sky Stream
- Vue: £5 for ticket and 2 pizzas
- Disney+: Free with bank account
- Ethical Consumer: Free issue of the magazine
- Days out: Free £25 voucher via Lotto
- Heinz: Free days out
Food and drink offers
- Tesco Clubcard Plus: One-month free trial
- Tastecard: 60-day free trial
- Gousto & Hello Fresh: More than 90% off your first boxes
- Cadbury's Buttons: Free pack
- GreenJinn: £1 welcome credit
- 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.
- August 2023’s savings round-up
- Bank of England hikes the base rate to 5.25%
- Premium Bond prize rate increases to 4.65%
- 10 activities to help kids learn about cash
- How much do fans cost to run vs aircon?
- Consumer Duty: Will we see better savings rates?
- Premier League on TV hack: Save up to £850
- My flight was delayed 28 hours: what are my rights?
- How to save every day of the week at the cinema
- My month in money #19: The one with the windowless room
- Spotify hikes monthly subscription
- Why is Monzo offering me a £25,000 loan?
- Amex shakes up fee refund charges
- Dart Charge: act now to avoid a £70 fine
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Are you following me on YouTube?
If you haven't already I'd really appreciate it if you could head over to YouTube to click "subscribe" and the little notification bell that appears next to it.
Most recent videos:
Disney+ price hike: How to beat it, plus new cheaper plan with ads (UK August 2023)
BEST SAVINGS ACCOUNTS: 5% easy access, 4.65% Premium Bonds & more (August update)
Interest Rate up to 5.25% - how high will it go? (August 2023 UK)
Beat Spotify's price hike: Hacks to spend less
BANK SWITCH: Halifax £225 & TSB £200 (August 2023 update)
Please do tell any friends you think would find it useful too. Thanks!
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