MSE’s Money Tips Free cash for Christmas, £9 Baileys, free pension boost, 6GB Sim £3.50, cheap breakdown cover

Christmas is looming, and for many so is the fun, fraught planning and financial pain that goes with it. To help with the latter, free money is available for switchers to four best bank accounts. We mentioned it as a stop press last week, but as one ends imminently, and who knows how long the others will last, I wanted to go large.

- How easy is this to do? In my last poll, 84% of those who'd tried said it was easy & hassle-free. You must pass a not-too-harsh credit check and use the bank's 7-working-day switch service. This moves your balance, standing orders and direct debits for you, closes your old account, and auto-forwards any payments made to it from then on.

- When will the money arrive? I've put the 'latest' date as when you're guaranteed to get the money if you start a switch on Wed 15 Nov. With some it's in time for Christmas, but don't be overly focused on that, with all it's by January at the latest, which is arguably when cash is most strained for many.

Free bank switch bonuses (for new customers) Full eligibility info & options in Best bank accounts
Barclays Bank Account* - Payout by: Latest 5 Jan - Min pay-in: £800/mth (equiv £9,600/yr salary) - Service rating: 30% 'great'	New FREE £175 and 5.1% interest on up to £5,000 in the account. This is the first time I can remember Barclays launching a switch bonus. Great news, as it means only a few regular switchers will be kiboshed by 'must be a new customer' rules. - How to get it: Download its app, switch an account with 2+ direct debits and sign up for its 'Blue Rewards' scheme. You pay £5/mth for this, but don't worry, you get £5/mth back providing you've £800/mth going in, register for digital banking and pay out 2+ monthly direct debits. See full Barclays eligibility & review.
Nationwide FlexDirect - Payout by: Latest 4 Dec - Min pay-in: No - Service rating: 78% 'great'	Top for upfront cash FREE £200, linked 8% regular saver (£200/mth), 1yr 0% overdraft (40% after). If straight cash is what you're after, this is a good all-rounder. The overdraft is credit-score dependent and only lasts a year, so ensure you pay it off within that time. - How to get it: There's no minimum pay-in, but you will need to switch 2+ direct debits across. See full Nationwide eligibility & review (some existing customers may get it).
First Direct 1st Account* - Payout by: Latest 22 Dec - Min pay-in: No monthly pay-in but must put total of £1,000 in within 3mths (can then withdraw it) - Service rating: 90% 'great'	No. 1 for service (90% great) FREE £175, linked 7% regular saver (£300/mth), ongoing 0% overdraft, near-perfect exchange rates on overseas spending. This is probably the most well-rounded package, especially if service matters to you. First Direct has been top or near-top of every customer service poll we've ever run, not just for switching bonus providers, for all current accounts. Its debit card gives near-perfect exchange rates, making it one of the cheapest ways to spend abroad. It also gives many an ongoing £250 0% overdraft, useful for anyone who dips into it on occasion. - How to get it: There's no direct debit requirement here, so as long as you put a total of £1,000 in within 3mths (even if you do it in a few different payments which you subsequently withdraw) you're good. See full First Direct eligibility & review.
Club Lloyds - Payout by: Latest 29 Nov - Min pay-in: £2,000/mth (equiv £29,400/yr salary) or there's a £3/mth fee - Service rating: 43% 'great'	Ends TODAY (Tue) 11.59pm FREE £175, plus top perks. To get this, you'll need to apply now and start the switch to beat the deadline, do that and you'll be fine. This account is all about the free cash and the perks. Each year you can choose to receive 12 months of Disney+ OR six free cinema tickets OR an annual Coffee Club & Gourmet Society membership OR a magazine subscription. - How to get it: In practice, you'll need to use this as your main bank account and have a minimum £29,400 salary going in. See full Lloyds eligibility & review (some existing customers may get it).
Payout dates assume you open an account and start a switch by Wed 15 Nov (Tue 14 Nov for Lloyds) & meet all eligibility criteria before the switch completes.

Can you earn £1,000s by becoming a super-switcher? It's a simple concept. Move an existing current account to a bank that pays you to switch, jump through the necessary hoops and wait until you get the freebie, then move again to another bank that pays.

Or if you're happy with your existing account, open a second 'burner' account just used for switching. It's worth reading full details, pros and cons in Make £100s switching banks, as Matt emailed us: "Prompted by you, my wife and I have both switched banks five times this last year. We use the dead simple full switch service and receive the money within a couple of months. Due to this, we're taking the kids away on an all-inclusive holiday to Tenerife. All completely free and probably about five hours' work in total over the year. Thanks guys!"

Will switching bank impact my credit score? All these banks do a not-too-harsh credit score (yet it's more art than science, so even some with great credit scores can be rejected, and vice versa).

This hard search on your credit file has a minor impact, but shouldn't make a difference to most (though lots of applications in a short space of time would). For belt 'n' braces safety, if you're imminently (within a couple of months) about to apply for a mortgage or an important, needed debt, it's probably best to prioritise that.

Get ANOTHER £180 cashback on top

The Chase current account* is a different beast from those above, and you can combine them. That's because it's an app-based bank you DON'T need to switch to to get, and there's no hard credit check (just an ID check).

Spend on its debit card and you'll get at least a year's 1% cashback on all normal daily debit-card spending up to £15/mth (it generally excludes bills, investments and major purchases, such as cars). If you hit the max, which many who put all family spending on it do, you'd make a further £180.

This is stupidly easy to do. Just use the other accounts to pay your salary into and pay bills from, then fund Chase and use its debit card to spend on. It's also the top for spending abroad, where you get cashback too and pays a decent 4.1% interest on up to £500,000 saved in a linked savings account, though other top savings beat it.

Too many think 'credit cards bad, debit cards good'. For those overdrawn, it's more a case of 'credit cards bad, debit cards worse', as almost all overdrafts are now charged at a typical 40% interest - nearly double even a bog-standard high-street credit card.

Yet there are ways to cut this. You CAN switch banks when overdrawn, though there's no guarantee it'll offer you an overdraft or even match your existing overdraft. Yet all banks below have overdraft eligibility checkers you can use before applying to see if it's likely you'll qualify. Full info in top overdraft accounts, but in brief...

Owe less than £425? Get paid to switch to a 0% overdraft. First Direct* offers new switchers £175, and many get a £250 interest-free overdraft. So if your overdraft's up to £425, the £175 pays some off and the rest is at 0%. Above that you'll pay 40%, like elsewhere. Full info: First Direct.
A year's potentially bigger 0% overdraft. Nationwide FlexDirect can offer a far bigger (or smaller) 0% overdraft as the limit depends on your credit history. However, it's only 0% for a year - then it's the standard 40% like most providers. So plan to clear the debt within that time. Full info: Nationwide FlexDirect.
Do a 0% money transfer. These specialist cards pay money into your bank account so you then owe them instead. You can get up to 12mths 0%, though be careful, it's easy to get it wrong. Our Money transfers guide takes you through it, including top deals.

The rate isn't the only thing to focus on. Our Cut overdraft costs guide takes you through it, but here are my 5 most important tips:

1) Aim to repay a fixed monthly amount. For example, if you're £500 overdrawn, 'paying' £100 means aiming to be £400 overdrawn at month end. A budget will help.
2) Consider moving direct debits to just before payday. The idea is you're overdrawn for less time, so costs are lower.
3) Got savings? Use 'em to clear it. See Repay debt with savings?
4) Can you reclaim past bank charges? See Bank charge reclaiming.
5) Struggling with all debt? Get free help from Citizens Advice, National Debtline or StepChange. It can make a huge difference.

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Are you age 40 to 73?
Two important checks to see if you can boost your (future) state pension by £10,000s - sometimes for FREE
'I've gained £2,400 every year - thank you for highlighting'

Many assume they'll automatically get the state pension at retirement. It doesn't work like that. You have to build up enough qualifying national insurance (NI) years - normally from employment or certain benefits. The new state pension was introduced in 2016 for men born after 5 April 1951 (so up to aged 73) and woman after 5 April 1953 (up to 71). To get any pension you'll usually need 10 qualifying years, to get the full pension you'll need roughly 35 years, but it can be more, it depends. Each missing year is typically worth £5,000 in retirement, so it's a big deal.

IMPORTANT: Two checks everyone should make.
- Do you have missing NI years? How to speedily check your NI record - partial years don't count.
- Are you on track to get the full state pension? How to check your state pension forecast - if you've gaps and you're NOT forecast to get the full £203.85 a week, then read on.
First see if you can plug NI gaps for free. While NI credits are usually automatic, they do need claiming in some cases. See our full free NI years to claim, but here are our big three. In most cases, this can be both current or BACKDATED if you were in this situation.

a) The no/low-income parent Child Benefit issue. Those not working or earning under £123/wk are due NI years for providing childcare. The main way this is triggered is by claiming Child Benefit. Yet either a) they don't bother claiming as their partner earns over £60,000 so they won't get it, or b) 200,000 people miss out as their partner, who's working and gets NI credit anyway, is the one registered to get Child Benefit. To fix both, see our Child Benefit NI credit help.

b) The grandparents (or other family members) providing childcare issue. If you're an over 15-yr-old family member, not yet at state pension age, and look after under-12s while parent(s)/guardian(s) work, then parents/guardians can apply to transfer their childcare credit from Child Benefit (which they don't need as they get it from working) to the family member. This can be backdated to 2011. Kate tweeted: "@MoneySavingExp I applied for the time I looked after my grandsons. Letter arrived today telling me I've been awarded all nine NI years, making me over £200/mth [so £2,400 every year] better off. Thank you for highlighting this." See how to claim the specified adult childcare credit.

c) The carers issue. Carer's credit is a free NI 'credit' for those over 15 but not at state pension age who provide unpaid care for at least 20hrs a week for someone receiving at least one qualifying benefit, including disability living allowance, attendance allowance, personal independence payment and more. 'Caring' includes helping with everyday tasks such as washing, cooking, shopping and dressing. See how to claim carer's credit.

Can't top up for free? Watch Martin's 'Pay up to £800 to boost your state pension by £5,000' video

Most people won't be able to top up for free, but until April 2025, you can buy back extra years. For most people, it's the single most lucrative thing you can do with your money - watch Martin's 5-min easy explainer for those aged 40 to 73, then read the full State pension boosting guide.

As MoneySaver Martin emailed our Martin in June: "It was only after watching your recent programme, where you made people aware about paying for extra pension, that I then decided to enquire. To my surprise, I was informed that if I made a one-off £1,400 payment covering missing years, it'd increase by over £2,000/yr. If I live another 14 years (aged 80), this will have given me another £30,000 - I can't thank you enough. You're a star."

Amazon's Black Friday sale starts THIS Fri, including up to 57% off Amazon devices. See Amazon Black Fri confirmed discounts for 30+ brands, and how to spot duds. Related: MSE Christmas & Black Friday Deals Predictor.

Baileys price war - three retailers now £10 or UNDER for a one-litre bottle. See Bail-in. Please be Drinkaware.

The hidden hot water bottle code that shows if it's still safe. They've a shelf life, see how to check yours.

6GB/mth Sim just '£3.45/mth'. This TalkMobile (Vodafone's no-frills network) Sim is £5.95/mth, but you can CLAIM a £30 Amazon voucher within 4mths. Factored in over the 12mth contract, it's equivalent to £3.45/mth. Want more/less data or a different network? Use Cheap Mobile Finder.

(Pre-) CHRISTMAS SPECIAL. The Martin Lewis Money Show Live, tonight (Tue 8pm), ITV1. It's that time of year already, over to Martin: "I know many of you wait for the big audience, shiny-floor Festive Forecaster episode, this is it. The whole show is dedicated to Christmas, preparation not celebration (though they're making me sing). If you miss it, catch up later via ITVX series 13 ep 3. Got questions? Tweet the show team using #MartinLewis.

Martin: 'Shell Energy customer? A trick to make you some money (Octopus customers, it's worth a listen for you too)'. Just don't tell 'em he said so! See Martin's 'naughty' trick.

Hot Diamonds 40% off EVERYTHING code - eg, £80 ring £24. MSE Blagged. Also applies to already-reduced outlet items. Hot Diamonds code

Ends Sun 11.59pm. Cheap superfast 109Mb Shell Energy broadband '£18/mth'. Newbies can get this Shell Energy 109Mb broadband-only deal (available in around 40% of homes) for £10 upfront, then £27/mth, but with a £120 Amazon voucher CLAIMABLE within 4mths. Factor that in and it's equivalent to £17.82/mth over the 12mth contract - the cheapest we've seen from a nationwide supplier at this speed, though Shell's service rating ain't great. Find your best broadband: See our powerful broadband comparison.

Early access to Boots' Ted Baker £24.50 make-up/bodycare set, normally £50. Ted Baker beauty

BLAGGED FOR MSE

- 40% off everything at Hot Diamonds Ends Tue 21 Nov

DID YOU MISS?

- Martin: 'Revealed. The UK's best salt & vinegar crisps'
- Energy bills to rise more than expected - should you fix now?
- Ends 11.59pm Thu. TWO pairs of specs £14 delivered
- £70 Soap & Glory 'Star Gift' for £34.50

BREAKDOWN COVER: Three things worth knowing
1. You can get full service for just £57/yr (incl home start)
2. It's the UK's most haggle-able cover: 80% success rate
3. Currently there's 17mths 'FREE' via a bank switch
Yet millions likely overpay by £100s. Don't be one, NEVER 'just renew'

Price-walking has been banned for home & car insurance, yet that rule DOESN'T apply to car breakdown cover. Each year, big firms can push their customers' prices up a little, so that if you've auto-renewed for a few years, you are likely paying massively over the odds - we suspect millions are in this ~~boat~~ car. So don't just auto-renew roadside recovery this winter, cut the cost for the same cover, often with the same company - you've likely got far better things to do with the cash...

1. Full service cover £57 for you & a partner (roadside recovery, home start and onward travel). AutoAid's* been among our top picks for nearly two decades. It covers you & your spouse (or live-in partner) in any car you/they drive. Newbies pay £57.28/yr via our link (add £15 if your car is 16+ yrs old) - similar AA cover can be nearly £300+.

It doesn't have its own fleet, instead it uses local recovery operators. It's got good call-out times and service feedback is decent. Alternatively, Eversure Gold* is £57.50/yr via this link and has a similar policy, though we've less feedback. More options in car breakdown.

- Want a new AA/RAC policy? Use a cashback site. Buy directly and basic cover costs around £135, full service cover just shy of £300. Yet use the right cashback sites, and it can be £74/yr basic or £150/yr full service.

2. Already with AA/RAC & want to stick with it? NEVER just auto-renew, always haggle. The success rates for those who haggle at renewal are higher with breakdown cover than any other sector, with 85% of RAC and 81% of AA customers who tried it reporting getting a discount, according to our most recent poll (late 2022).

Do always benchmark a better price first though, as Tony emailed us: "AA renewal 50% up, at £243. Fortunately, I'd used your links and found an alternative price before they called me to 'discuss' my policy. Their agent offered me better cover for £44 [saving £200]! Thanks." See our How to haggle breakdown tips.

3. Get 17mths' 'FREE' breakdown cover (plus travel and smartphone insurance). Martin's written above about switching to fee-free bank accounts, yet there are also packaged bank accounts that pay you to switch. These are accounts with a MONTHLY FEE that then throw lots of insurance in (useful, but only if you NEED the cover), so the key is how long the free switch cash covers the monthly fee, effectively giving you free cover...

- Ends Today (Tue) 11.59pm. FREE 17mths' cover: AA basic breakdown, smartphone and family travel insurance. Until 11.59pm tonight, new switchers to Club Lloyds Silver* get a free £175, which covers its £10/mth fee the longest. Though you'll need to pay in £2,000/mth (roughly equivalent of a £30k salary going in there) or there's a £3/mth fee. There are also annual rewards, such as a free Disney+ subscription. See full Lloyds Silver review.

- FREE 15mth cover: AA UK & Europe breakdown (includes home start), family smartphone and travel cover. Nationwide's FlexPlus is good for families - there's a free £200 which covers its £13/mth fee for 15mths. See full Nationwide FlexPlus review.

How £1 could make wannabe one day first-time buyers £1,000s... A jam-packed pod, with crucial information for those who don't own a house, plus get paid to cut energy costs and more. All in the new The Martin Lewis Podcast episode - listen via BBC Sounds, Spotify, Apple Podcasts & more.

Martin: 'How to HALVE car & home insurance just by getting it on the right day.' Watch Martin's new 3-min car insurance trick video or full car insurance cost-cutting ITV show, or jump straight to MSE's Car Insurance Compare+ tool.

Free letter from Santa. See when to post children's letters to get a reply from the big fella. Free Santa letter

Two-year mortgages below 5% - is it time to fix? It's the first time since June we've seen rates this low - but should you fix now or hold out? See our mortgage analysis.

FREE hot drink at Asda Cafés for uniformed emergency responders. Plus anyone aged 60 or over can get a bowl of soup, a bread roll and unlimited regular tea or coffee for £1. Asda winter warmers. Related: Blue Light Card discounts.

Starts Thu. £10 to £50 London theatre tix for 40+ shows, incl Mamma Mia, Lion King, Wicked. For 1 Jan to 29 Feb performances, and Mastercard card-holders get first dibs this week. Go quick, as big shows sell out fast. Theatre tix

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AT A GLANCE BEST BUYS

Longest 0%: Barclaycard (check eligibility / apply*) - up to 29mths 0%, 3.45% fee (24.9% rep APR interest)
No-fee 0%: NatWest (check eligibility / apply*) - 14mths 0% (24.9% rep APR)

£200 to switch + 8% regular saver: Nationwide
£175 to switch + TOP service: First Direct

Top easy access: Metro Bank 5.22%, min £500
Top one-year fix: Metro Bank 5.91%, min £500

Try our Compare+ Car Insurance tool

Cheapest for £5,000 to £7,499: AA (check eligibility / apply*), 7.2% rep APR (members), 7.3% rep APR (non-members)
Cheapest £7,500 to £15,000: Tesco Bank (check eligibility / apply*), 5.9% rep APR (must have a Clubcard)

Superfast fibre (100Mb+): Shell Energy '£17.82/mth' (though its customer service rating ain't great)
Fast fibre (55Mb+) with 'OK' service: Sky '£21.12/mth'

On Universal Credit or similar? Check all discounted social tariffs

Up to 3GB data: Lebara, '£2.70/mth' for 3GB
4GB to 9GB data: TalkMobile, '£3.45/mth' for 6GB
10GB to 30GB data: Lebara, '£3.57/mth' for 12GB
31GB+ data: iD Mobile, '£7.09/mth' for 70GB

THIS WEEK'S POLL

Do you have car breakdown cover? If your car conks out on the road or won't start, your compulsory car insurance won't help - you need a specific breakdown policy. So this week, we want to know if you've got one, and if so, which provider it's with, how you bought it and how much you pay. Vote in this week's poll.

Nearly 60% of MoneySavers WON'T be shopping in this year's Black Friday sales. In last week's poll, we asked if you had any plans for Black Friday - nearly 3,750 of you responded. Only 40% said they'll spend next weekend, and while there was little difference in response split on gender lines, the age gap was clear to see. Nearly 80% of under-25s said they would be hunting for a bargain, while the reverse was true of the over-65s. See full Black Friday poll results.

MSE NEWS

- Top story: British Gas to give up to £250 credit to some struggling prepayment customers
- £300 cost of living payments now underway for those on Tax Credits

MONEY MORAL DILEMMA

Should I pay my colleague in full for the ticket I thought she'd given me for free? On a recent work trip, I was asked if I wanted to join some of my colleagues on an excursion. It cost £100 but I'd declined, as I didn't feel I'd enjoy it. Then the colleague who organised the trip couldn't make it, and as the ticket was non-refundable, it was suggested I use it. As expected, the excursion wasn't my thing, but I felt bad for my colleague so I asked if I could contribute to the cost. To my horror, she asked for the full £100. Should I pay her in full to keep the peace, or stick to the principle that I only went because I thought it was free? Enter the Money Moral Maze: Should I pay my colleague for 'free' ticket? | Suggest a Money Moral Dilemma

Win a Next '25 Days of Beauty' Advent calendar
Win a festive jigsaw puzzle Advent calendar
Win one of 500 Bonne Maman jam Advent calendars
Win one of five Cadbury 3D Advent calendars

Win a Lottie Shaw's Bakery Advent calendar
Win a Just Spices Advent calendar
Win a Molton Brown Advent calendar
Win a fiction book Advent calendar

MSE TEAM BLOG

- MSE Forum highlights: Spangles, synthesizers & studying abroad

MARTIN'S APPEARANCES (WED 15 NOV ONWARDS)

Wed 15 Nov - Ask Martin Lewis, BBC Radio 5 Live, 1pm
Tue 21 Nov - This Morning, phone-in, ITV1, 10.20am
Tue 21 Nov - The Martin Lewis Money Show Live, ITV1, 8pm

AZTEC BAR, SPANGLES & DENTYNE CINNAMON GUM... WHICH DISCONTINUED SNACK WOULD YOU BRING BACK?

That's all for this week, but before we go... with the news that Caramac has become the latest sweet treat to join the chocolate factory in the sky, MSE Forumites have been getting nostalgic about their favourite discontinued snacks. One poster fondly recalls Horlicks sweets - their nan used to make them at the old Horlicks factory in Slough. There was debate about which Spangles sweets were better, 'Blackcurrant' or 'Old English', while others lamented that flying saucers don't contain the same kind of sherbet anymore. Cadbury broke several hearts after retiring its Spira, Aztec and Plain Choice bars. Other mentions include (*takes deep breath*) Terry's Waifa, Toffo, Cabana, Gypsy Creams, Fry's Tiffin bar, Crusha Lime, Pacers, spicy chilli Hula Hoops, Crispo Crackers and Dentyne cinnamon gum. Add your own over on the Which discontinued treats would you bring back? MSE Forum thread.

We hope you save some money,
The MSE team

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MSE’s Money Tips Free cash for Christmas, £9 Baileys, free pension boost, 6GB Sim £3.50, cheap breakdown cover

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