Your weekly money saving deals and news from money expert Andy Webb
My top content this week
BLOG, VIDEO & ARTICLES
Savings round-up & news, including earn 7% interest
In my latest update on savings, I've news of a regular saver paying 7% from First Direct and one offering 5% from HSBC, a 3% ISA from Virgin Money and 2.55% easy access from Chip.
Plus, with rates dropping fast in the last few weeks, I've looked at whether fixed rates have already peaked.
Current account news, including £175 Halifax switch
My other monthly update is on bank accounts, including a new £175 switch offer from Halifax and £100 deal from TSB.
Plus how to get a £500 0% overdraft from First Direct and HSBC, details of Lloyd's new Silver packaged account, how to get a second Starling account and whether Santander Boosts are worth signing up for.
Monese adds charge for debit card top-ups
I wrote this quick update last night as it's important for anyone who uses a Monese account to earn the monthly Halifax Rewards. You'll now have to pay a charge to top-up by debit card.
Changed your mind? Your refund rights
I hope that over Black Friday you didn't make any purchases you now regret. If you have then hopefully you'll be able to get a refund - but your rights for this depend on how and where you bought it.
CASH CHATS PODCAST
295 | BNPL dangers, your money back rights, new bank switching deal & savvy Xmas spending
In the latest episode of the pod I’m talking about:
- When you can get a refund
- How BNPL can be risky
- Christmas money saving tips
- A listener question about using Amex points
- And more!
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
Next Live Q&A: Tuesday 6 December at 7pm
My live Q&As are the best place to ask me your questions. The next one will be in next Tuesday 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 2,800 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. Shop Small: £5 off £15 spend with American Express
Amex Shop Small starts on Saturday, and you can earn up to £25 in credit for supporting small businesses, from shops to restaurants to galleries to dentists. Though you're capped at five redemptions, and only once per retailer, there are ways to boost this. More here.
2. Aperol: Two cocktails for £5
Buy a £5 Aperol Christmas Card and you'll get a voucher to use at All Bar One in January and February next year to get two free Aperol Spritz. More here.
3. Amazon: £17 voucher when you join TikTok
If you've not yet joined social media platform TikTok then now is the time to do it as there's a £17 Amazon voucher up for grabs. More here.
4. Restaurants: Free Pizza Hut buffet via O2
Each week for the next three weeks you can claim a Pizza Hut lunch via the O2 Priority app. And you can get access even if you're not with O2 or Virgin Media. More here.
5. M&S: Sparks freebie
For the first 12 days of December, you'll be able to get a freebie or discount every day from the M&S Sparks loyalty app. More here.
6. Vue: 10 tickets for £38
Head to Groupon to save on Vue tickets, with a bundle of 10 working out at £3.80 each, five at £4 and two at £4.50. More here.
SAVINGS, BANKING & CREDIT CARD BEST BUYS
Banks
Halifax: £175 switch offer
As mentioned in my round-up you can now get £175 for switching to Halifax. Here's how it works.
Top banking switch and welcome offers:
- HSBC switch: Up to £240 cash bonus
- Nationwide switch: £200 cash bonus
- First Direct switch: £175 bonus
- Halifax switch: £175 bonus
- TSB switch: Up to £100 cash bonus
- Monzo welcome: Free £5 offer
- Monese welcome: Up to £30 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 1% back with Santander Edge
- Top cashback on spending: 1% back with Chase
- Top ethical bank: £60 voucher or donation via Triodos
Savings
The big changes are with regular savers as detailed in my update article at the top of this newsletter. Elsewhere fixed rates have continued to fall. More on these and other latest best buys here.
Top savings best buys:
- Top regular saver: 7% with First Direct
- Top current account linked interest: 5.12% with Barclays
- Top easy access account: 2.81% with Al Rayan
- Top 1-year fixed account: 4.35% with Atom
Credit cards
Santander: £30 voucher with new credit cards
This offer runs until 6 December. You'll get £30 voucher if you successfully apply for a new Santander credit card. More here.
Top cashback credit card best buys:
- Top welcome bonus: American Express Preferred Rewards Gold (20,000 points = up to £167)
- 0% purchase welcome: £20 bonus and £19 cashback
- Top non-Amex cashback: Barclaycard Avios
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MORE DEALS!
Here are a few ongoing and recent offers you might have missed:
Cashback offers
- JamDoughnut: £4.50 welcome offer
- Cashback: Up to £91 for free
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: Alumni 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
- Odeon: Free weekly ticket
- Vue: Free ticket and movie rental
- Disney+: Save £2 a month
- Ethical Consumer: Free issue of the magazine
Food and drink offers
- Tesco Clubcard Plus: One-month free trial
- Tastecard: 60-day free trial
- Ocado: £20 off your first order
- Gousto & Hello Fresh: More than 90% off your first boxes
- Pringles: Free pack
- GreenJinn: £1 welcome credit
- Greene King: Free pint or spirit & mixer
- Deliveroo Plus: Free year via Prime
- 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.
- Santander Edge review: Earn 4% interest and 1% cashback
- Where to price match and save cash
- The problems with Buy Now, Pay Later
- Autumn Statement 2022: What it means for your money
- How to improve your credit score
- How to make the most from Amex Shop Small 2022
- The best price comparison sites for your shopping
- Regular savings accounts explained: Are they worth it?
- Base rate at 3%: what does the rise mean for you?
- November 2022’s credit card & BNPL news & round-up
- Avios to Nectar swap range cut
- More than books: 9 ways your library can save you money
- My month in money #9 & #10: 7 weeks away
- Credit card stoozing: Earn interest from 0% borrowing
- Apple Music & TV+ prices hiked by up to 40%: How to beat it
- Cheap direct debits for bank switching and rewards
- How to search price history and know if you’re getting a good deal
- Waitrose brings back “free” hot drinks
- Sky Stream: Will it save you money?
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