Your weekly money-saving deals and news from money expert Andy Webb and the team.
Our top content this week
BLOG VIDEO & ARTICLES
Has the base rate peaked?
The Bank of England decided not to increase the base rate last week - meaning it stays at 5.25%. Find out why they did this, whether rates have peaked and what it means for mortgages and savings.
Are your finances ready for Christmas?
With less than 3 months to go, starting your Christmas prep now can help you save along the way. We’ve rounded up some Christmas money tips and tricks to help you cut costs and make sure you have enough cash to cover everything.
Amex fee refund change: what it means for you
From next week you'll no longer be able to get a partial refund on American Express annual fees when you cancel. This will have a big impact on the welcome offers available on some cards. We explain how the changes affect you from October.
Monzo offers cashback in a new trial
Monzo has launched a new cashback trial for selected accounts. Find out how the new cashback feature works and how much you could earn on your spending.
Lloyds and Halifax close 33 more branches
Lloyds and Halifax have announced yet another round of bank branch closures. Find out which bank branch locations are closing and your options if you still need to bank in person.
Autumn train strikes: what are your rights?
More rail strikes are on the way, with the first taking place this weekend. Find out your rights if your train is delayed or cancelled.
Andy's month in money
Sometimes being clever with your cash is as much about the small wins as it is the big ones (every little helps after all). From beating the Disney + Price hike to claiming a refund on delayed trains, Andy shares his money highlights for the month of September.
CASH CHATS PODCAST
339 | Base rate frozen & Nationwide's £200 switch deal
In the latest episode of the pod, Andy is talking about:
- Has the base rate peaked?
- Nationwide's new switching deal and regular saver
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
Andy’s live Q&As are the best place to ask your money questions. We'll share the date for the next one in a future newsletter.
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 6,800 of us in there so far!
THIS WEEK'S TOP DEALS
We 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. Nationwide savings account: 8% interest
Nationwide is offering 8% AER for its Flex Regular Saver. Here’s more.
2. New bank switch: Get 3x £200
Nationwide has also announced a new bank switching deal which could get couples up to £600. Plus, it's open to new and existing customers. Here’s more.
3. LNER: Get £5 credit
Get £5 credit to spend on train travel when you sign up to LNER's Perks scheme. Here’s more.
4. Vodafone: Get 3 months of Amazon Prime for £1
Vodafone customers can get 3 months of Amazon Prime for £1 by signing up through the link provided in their VeryMe Rewards. Here's more.
5. Virgin Atlantic Reward+: Last chance for 30,000 bonus points
If you're a frequent Virgin flyer, don't miss out on 30,000 points (usually 15,000) when you sign up for a Virgin Atlantic Reward+ credit card and spend £3,000. Offer ends Monday. Here's more.
6. Savings: £25 bonus
Hargreaves Lansdown are offering a £25 bonus for new and existing savers who put away at least £10,000 in a fixed rate account. On a 6% paying one year fix it'll give you the equivalent of 6.25%. Here's more.
7. Sainsbury's and Asda: 25% off wine
Buy six or more bottles of wine at Sainsbury's or Asda to get 25% off the total until 4 October (Sainsbury's) or 1 October (Asda). Here’s more.
8. Students: The best discounts
If you're back (or starting) at uni, then it's worth checking out some of the top student discounts, including Apple, Amazon, Co-op, Boots and more. Here's our pick of the savings.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Savings
Top savings offers
- Chip: 4.84% + up to £50 bonus
- Santander: 5.6% 1 year ISA + £50 transfer bonus
- Hargreaves Lansdown: £25 welcome bonus
Top savings best buys:
- Top current account linked saver: 7% with Santander
- Top regular saver (with current account): 8% with Nationwide
- Top easy access account: 5.1% with Leeds Building Society
- Top easy access Cash ISA: 4.8% with Leeds Building Society
- Top 1-year fixed account: 6.2% with NS&I
- Top 1-year fixed Cash ISA: 5.85% with Virgin
Banks
Top banking switch and welcome offers:
- Co-operative Bank: £125 refer-a-friend switch
- First Direct: £175 switch + £40 cashback
- Lloyds: £175 switch
- Nationwide: £200 switch
- TSB: £150 switch + up to £90 cashback
- 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
Credit cards
Top credit card offers:
- BA Amex: 60,000 Avios points
- Virgin Atlantic: 30,000 points
Follow us on social media
Want to stay connected throughout the week? Follow us on social media - our social media handles have changed.
We’ve switched from using @AndyCleverCash to @BeCleverWithYourCash on most of our social media accounts (it’s @BeCleverCash on Twitter/X).
We're on Instagram, Facebook & Twitter.
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: 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
- Disney+: Free with bank account
- Ethical Consumer: Free issue of the magazine
- 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
- McDonald's & Burger King: Freebies from loyalty schemes
- Caffe Nero: 25% off drinks and pastries
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.
- 8 savings hacks to boost your money
- Inflation falls to 6.7%
- Baking on a budget: our top money-saving tips
- September current accounts, news and special offers update
- Are you missing out on free money for your pension?
- Stamp prices jump to £1.25 from October
- How to save money on petrol & diesel
- Save money on the new iPhone 15
- Amazon has introduced a fee for same-day Prime delivery: how much will this cost you?
- No receipt? No problem – the shops that accept your loyalty card instead
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Are you following us on YouTube?
If you want to watch our videos as soon as they're released, make sure you head over to YouTube and click "subscribe" and the little notification bell that appears next to it.
Most recent videos:
- Nationwide £200 bank switch (get it 3 times) & 8% regular saver (September 2023 update
- Interest Rate NO CHANGE - have they peaked? (Sept 2023 UK Bank of England Base Rate update)
- BANK OFFERS: TSB & Lloyds switches September 2023
- BANK OFFERS: First Direct & Barclays switches + Chase, Santander, TSB, Monzo - UK Sept 2023 update
- CREDIT CARD DEALS: £450/60,000 Avios via Amex, 30,000 Virgin points, 5% Asda + more (September 2023)
Please tell any friends you think would find it useful too. Thanks!
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