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DON'T believe the fake ads on Facebook |
Ending. NatWest free £100 + 2% cashback (great as a bills account) NatWest's switch bonus works on most of its accounts, and with bills cashback some can get £200+/yr If you're fed up with your bank, this deal from NatWest is a cracker to switch to when combined with its Reward account. It's best for people who have a separate account for bills, because, for a small fee, it pays 2% cashback on council tax, energy and other household bills, on top of the £100 switch bonus. This is a rare deal from NatWest: it's only run once before, and we've no idea if it'll ever return, so if it's right for you, go quick. Here's the full info... Ends Tue 19 Jun. Free £100 AND ongoing 2% cashback: good for bill-payers. NatWest pays a £100 bonus to switchers (incl existing NatWest customers who haven't got the bonus since last Oct) to most of its current accounts. The standout is NatWest Reward* which, for a £2/mth fee, gives 2% cashback on council tax, energy, broadband bills etc paid by direct debit. Alternatively, you can just get the £100 bonus on the NatWest Select* account which has no fee - great for regular switchers.- How do I get it? To get the £100 you must apply to switch by Tue 19 Jun, pay in £1,500+ and log in to online or mobile banking by Fri 13 Jul. To get the Reward cashback you then need to pay in £1,500/mth (equiv to a £21,500 annual salary). - How much cashback can I get? We estimate that after the monthly fee, those with higher bills (eg, £1,700/yr energy) get £135/yr, average household bills £66/yr, or lower bills £30/yr. For those on low bills you might be better switching to Barclays Blue Rewards. - RBS also pays £100 to switchers. NatWest's sister bank RBS has the same deal on its RBS Reward* and Select* accounts. It has the same qualifying criteria as above, but you have until Fri 6 Jul to apply and Fri 24 Aug to meet the conditions. RBS is bigger in Scotland; NatWest is bigger in the rest of the UK, although you can use either's branches wherever you live. Free up-to-£200 switch bonus, freebies with top service and more. Don't want to switch to NatWest or RBS? You can get up to £200 if you switch to HSBC, freebies worth up to £170 with top service-rated First Direct, or up to £185 in M&S vchs from, er, M&S. See Best Bank Accounts for full info. |
New. Hurrah - finally a 1yr fixed savings account paying OVER 2%. We haven't seen a rate this high for over a year, so this 2.05% 1yr fix from app-only Atom Bank (with FULL £85,000 UK savings protection) is a corker, though of course you have to lock your money away without access for the year. It smashes the competition and the best 1.31% easy-access rate. But hurry - these deals often go quick. xA0;Top 2.05% fix FREE £10 at M&S / John Lewis / Toby Carvery etc. MSE Blagged. When you sign up to a new loyalty scheme, but you need a Mastercard. Also gives up to 12% back at thousands of shops and pubs. Free £10 M&S/John Lewis Ikea 'up to 40% off' summer sale, eg, £10 single bed frame (was £25). See our analysis of deals. 5 Odeon tickets for £25. Norm up to £17 each. Can be used on multiple visits, but excl Jurassic World and a few others. Cheap cinema Warning. Npower hikes energy prices 5.5% - 1m affected. Prices go up on Sun - it joins British Gas, E.on, EDF, Ovo a nd Scottish Power, which have all hiked recently. Yet you can save £100s/yr ditching pricey standard tariffs. Use our Cheap Energy Club for a full comparison, or just compare big name firms, or good customer service suppliers. 'Free' Nando's chicken, when you buy £1.50 sauce. Fiddly, but Nando's discounts are rare. Cheapy Nando's |
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6 Scam-busters: Don't think you're too smart to be had It's Scams Awareness Month and we're supporting Citizens Advice to raise awareness of how increasingly sophisticated scumbags try to target YOUR cash. And it's timely - it was revealed last week that 1,300 TSB customers had money stolen by fraudsters after its IT meltdown. Meanwhile, our Martin is involved in a spat with Facebook over its publication of scam ads. Our Scam-Spotting guide highlights the warning signs, here are six key tips... Never give personal details if they call, text or email. The classic scam is fraudsters sending messages or emails asking for your details to break into your accounts, claiming to be from a bank, insurer, HMRC, even the police. An increasingly common trick is where they call, ask you to call your bank back, but play a dialling tone, tricking you into thinking they've hung up. Yet you're still talking to them. These have all sorts of names such as 'phishing', 'smishing' and 'vishing'. See phishing etc help. Beware fake Martin Lewis ads. MSE founder Martin Lewis's face has been plastered all over the internet, in ads wrongly claiming he's endorsing binary trading, PPI companies and more. NOT ONE of these scam ads is genuine - don't be fooled. There's more in our Fake Martin Ads guide - plus, read why Martin's suing Facebook over scam ads. Check if hackers have stolen your data. Find out if passwords, email addresses, your home address, phone numbers or DOB have been compromised without you knowing. See hack check, incl what to do if hit. Don't fall for fake deals on WhatsApp & Facebook. We hear of many bogus offers popping up in people's feeds and messages, eg, Alton Towers and Ryanair giving away free tickets on WhatsApp. They're a con: if something seems too good to be true, it probably is. Here's how to spot Facebook/WhatsApp fakery. When is www.bbc.co.uk not www.bbc.co.uk? Not all links are genuine - fraudsters exploit this a lot. But there are ways to check where a link takes you BEFORE you click. Always look where you click. (We bet you checked this BBC one.) Ensure you've FREE antivirus software. It's simple and effective. See our Free Antivirus Software guide. |
£5 Pandora charms, £1 Miss Selfridge necklace & more. Summer sales are on, incl up to 60% off H&M, Victoria's Secret, and up to 50% off Mulberry, Asos, Gap and Ted Baker. Plus, rumoured up to 50% off Selfridges. Summer sa les Father's Day deals incl 'free' steak, 20% off Moonpig, £3 shaving kit. It's this Sunday. Father's Day deals Find the NEW best-value Tesco Clubcard Rewards. Now Tesco has completed its overhaul we've crunched the numbers to identify the best deals. Incl train tickets, Evans Cycles and Pizza Express. Top 10 Clubcard Rewards Net £16 off an England football shirt - a great save. Not MoneySaving, but if you're after one for the World Cup we bring you the cheapest. Get kitted out 70 garden-ready plants £8 all-in (norm £19). MSE Blagged. 6-10cm plants. Lucky dip from, eg, geraniums, busy lizzies. Jersey Plants MSE victory as regulator Ofgem plans compensation for consumers hit by late final bills. See our energy campaign success. |
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AT A GLANCE BEST BUYS
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New. MEGA-fast 100Mb broadband + TV + line rental '£25/mth'
- It's £29/mth for 1yr. Bizarrely, there's a £20 activation fee added to your first bill that's immediately refunded, so you never pay it. After 12mths, the price jumps to £48/mth - but you're free to leave then. - You get an immediate £50 bill credit. So unless you use chargeable services (eg, calls) you pay nothing in the 1st mth, £8 in the 2nd, then £29/mth. That's why it's equiv to £24.84/mth over the year. - You get a 'V6 TV box'. It's essentially Freeview with pause and rewind, plus it can record up to 6 channels at once. - Virgin scores well on customer service. In our most recent poll, 41% rated it 'great' - ahead of BT, Sky and TalkTalk. Can't get Virgin or don't need high speed? Use our Broadband Unbundled tool to check top deals available in your area, incl '£10.24/mth' for standard speed, or '£18.33/mth' for faster fibre. If you just send emails or browse, standard is fine. Fibre is best for large households online at once, gamers and heavy downloaders. |
Free tix to Martin's 'How to Be Successful' London lecture for uni students. This Thu at noon, at the London School of Economics, Martin's doing a free talk on money, work, enterprise etc (being filmed for ITV). Places are limited. If you've a uni student ID, book via [email protected] with 'Shaw Library' as the subject. It'll be similar to but more wide-ranging than his 4 things to be successful lecture. STUDENT LOAN £1,100 RECLAIM - SUCCESS OF THE WEEK: FREE open water swimming safety sessions. With qualified lifeguards this summer. Just keep swimming |
CAMPAIGN OF THE WEEK Teachers - it's My Money Week. Education charity Young Money (part of Young Enterprise) is running My Money Week until Sunday, offering resources (incl lesson plans and suggested activities) to teachers delivering cash classes for the first time or to those after new ideas. See My Money Week plus MSE's Financial Education info. |
THIS WEEK'S POLL Should the railways be renationalised? We used to let the train take the strain, though in the last few weeks rail chaos has meant it's been the cause of it. Could putting the rails back into public hands be the solution? Should the railways be renationalised? Monzo and Starling top our banking-app poll. Last week we asked how you rate your banks' apps, and over 5,000 responded. Monzo was top of the tree, with 75% of its customers saying its app is 'great to use', while 70% of Starling customers felt the same. Among the old-school banks, NatWest's and Barclays' apps were the highest rated. See full banking app poll results. |
MONEY MORAL DILEMMA Should I make my grown-up daughter pay to live at home? Our 30-year-old recently moved back in with us, after her relationship ended. She'd been living with her boyfriend and splitting the cost of rent. I've said that it's only right she contributes towards extra expenses we incur, eg, utilities and food. What do you think... and how much? Enter the Money Moral Maze: Should my grown-up daughter pay to live at home? | Suggest an MMD | View past MMDs THE QUICKIES - Debt-Free Wannabe chat of the week: Cash gift - where should it go? |
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MARTIN'S APPEARANCES (WED 13 JUN ONWARDS) Thu 14 Jun - Good Morning Britain, ITV, Deals of the Week, 7.40am MSE TEAM APPEARANCES (SUBJECTS TBC) Wed 13 Jun - BBC Cumbria, Money Talks with Ben Maeder, from 6pm |
QUESTION OF THE WEEK Q: I've found out I have PPI, but I've been told that because I'm a discharged bankrupt, any money will go to the official receiver rather than me. Is this correct? Andrew, via email. MSE Sarah G's A: Unfortunately, yes - assuming you were mis-sold the PPI before you went bankrupt. After you're discharged from bankruptcy, which usually happens automatically after 12 months, you normally get to keep new assets or money that comes in. If you were mis-sold the PPI after you went bankrupt, it's a different story - in that case you're able to keep the money. Anyone who thinks they've been mis-sold PPI can visit our Reclaim PPI for free guide for full help. Please suggest a question of the week (we can't reply to individual emails). |
WHAT'S YOUR TOP PLANETSAVING MONEYSAVING TIP? That's all for this week, but before we go... last week it was World Environment Day, so we thought we'd ask for your top tips on going green AND saving cash. Examples MoneySavers have sent in include carefully opening envelopes so they can be re-used, hoarding plastic bags and simply never forgetting that packed lunch. Share your eco-friendly MoneySaving tips over on our environmental savings Twitter post. We hope you save some money, |
Important. Please read how MoneySavingExpert.com worksWe 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 LewisWhat is MoneySavingExpert.com? Who is Martin Lewis? 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 halifax.co.uk, starlingbank.com, tandem.co.uk, revolut.com, weswap.com, natwest.com, rbs.co.uk, mbna.co.uk, santander.co.uk, moneysupermarket.com, confused.com, gocompare.com, comparethemarket.com, directline.com, aviva.co.uk, zopa.com, sainsburysbank.co.uk Financial Conduct Authority (FCA) Note MoneySupermarket.com Financial Group Limited is authorised and regulated by the Financial Conduct Authority (FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 2EP. MoneySavingExpert.com Limited is an appointed representative of MoneySupermarket.com Financial Group Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to: www.moneysavingexpert.com/tips. |
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