MSE’s Money Tips New 5% easy-access savings, 33p Coke, FREE £200+ bank switch, 10% off Apple, new energy fixes, M&S 5

This is the year of the bank switch. In the first five months of this year, over 565,000 accounts were switched according to the Current Account Switch Service - 73% more than the same period last year. That's been led by some of the biggest switching cash bribes we've seen - and currently there's more than £200 in free cash up for grabs, so it's a great time to jump ship.

In our latest banking satisfaction poll, almost one in five (15%) of you said your bank's service is 'poor' - so why on earth are you sticking with a wrong 'un? The top banks for service come with an abundance of benefits - from unbeatable cashback to free cash and 0% overdrafts. And there are plenty of perks from others worth considering. So don't put up with naff service and no perks out of loyalty.

Follow the example of Janis, who emailed us last week to say: "I've had the same current account since 2006. I followed your advice about switching and switched to First Direct. It was quick and easy. My direct debits switched over without a hitch and within a week I am £175 better off. Thank you. And now I know how easy it is, I'll be doing it again!"

You don't have to sacrifice good banking perks if you want top-notch service. Some can be opened WITHOUT having to switch - making them ideal as a second (or third or fourth) account to sit alongside your main account.

1. TOP OVERALL SERVICE: Chase
Key perk: Unbeatable 1% cashback
MSE customer service poll rating: 93% 'great', 4% 'poor'

App-only Chase* topped our service poll and with its current account you'll get a year's 1% cashback, up to a max £15/mth on all normal debit card spending. There's no need to switch or pass a hard credit-check to get it so it's perfect to use alongside other accounts - grabbing switching perks from others and using the Chase debit card to spend on for cashback.

It's also the top debit card for spending abroad and has a decent linked savings account paying 4.1% from Mon 14 Aug. Full info in Chase review.

Second in the poll was Starling* (92% 'great', 2% 'poor'), another app-based account. Like Chase, there's no credit check to get it, it's fee-free to use the card abroad, and it offers insights on your spending. See full Starling review.

2. TOP SERVICE & FREE CASH COMBO: First Direct
Key perk: FREE £175 switching cash
MSE customer service poll rating: 90% 'great', 5% 'poor'

Branchless First Direct's 1st Account* has been either top or near the top of every service poll we've ever run. You get a free £175 for switching to it, access to a linked regular saver which pays 7% interest on up to £300/mth, and many get an ongoing £250 0% overdraft. The debit card is also fee-free for overseas spending and ATM withdrawals.

To get the free cash, you need to switch banks using the bank's switching service and pay in a total of £1,000+ within three months (you can always withdraw it immediately). The £175 is then paid within 28 days. See full First Direct review.

3. TOP HIGH STREET NAME: Nationwide
Key perks: 12 months' 0% overdraft, 5% interest
MSE customer service poll rating: 78% 'great', 7% 'poor'

The UK's biggest building society scored the best of the high street names when it comes to service. Newbies to its FlexDirect* account can get 5% interest on up to £1,500 for a year, worth around £75. Many also get a year's 0% overdraft, credit score depending. You don't need to switch to it. Full info in Nationwide review.

Service is just one element to look at, and free cash for switching can also be key. First Direct above is the perfect mix of free cash and top service, but others can pay more. To qualify, you must usually be a new customer, be switching from a different banking group and pass a not-too-harsh credit check. Then you'll need to use the new bank's switching service, which:

- Switches you in 7 working days
- Moves all standing orders and direct debits for you
- Closes your old account and auto-forwards payments to the new one

1. TOP FOR UPFRONT CASH: NatWest (& RBS)
Key perks: FREE £200 switching cash + £36/yr cashback
MSE customer service poll rating: 44% 'great', 23% 'poor' (RBS 38% 'great' 33% 'poor')

The NatWest Reward* and RBS Reward* accounts from these sister banks are top for cash, as you can get £200 plus £3/mth cashback (£5/mth with a £2/mth fee). You also get access to a 6.17% regular saver, where you can pay in up to £150/mth.

To get the free cash, pay in a total of £1,250 and log in to the app within 60 days - the £200 is paid within 7 days. For the cashback, pay in £1,250+, log in to the mobile app and pay out 2+ direct debits of £2+ each month.

For just the £200 without an ongoing minimum monthly pay-in or cashback, switch to the NatWest Select*, RBS Select* or Ulster Select accounts. See full NatWest/RBS review.

2. JOINT-TOP FOR SWITCHING CASH (AFTER 8MTHS): TSB
Key perks: FREE £125 upfront, £75 later, £5/mth for 6mths
MSE customer service poll rating: 40% 'great', 33% 'poor'

In addition to the free switch cash, TSB Spend & Save* gives you £5/mth cashback for six months if you spend on its debit card 20+ times a month.

For the £125, you'll need to switch 2+ direct debits, spend using the debit card and log on to mobile banking. It'll be paid by Sat 30 Sep. To get the £75, every month between Sep and next Feb, spend 5+ times on the debit card, pay in £500+ and have 2+ direct debits set up. It'll be paid by 31 Mar 2024. See full TSB review.

3. TOP FREE CASH OVERALL: Halifax
Key perks: FREE £150 upfront, £25/mth cashback for 3mths, £5/mth reward
MSE customer service poll rating: 55% 'great', 15% 'poor'

As well as the free switch cash, Halifax Reward gives you £25 cashback for each month you spend £750+ in September, October and November. Most usual debit card spending qualifies (with some exclusions). You'll also get an ongoing monthly reward - choose between £5 cash, a Vue cinema ticket or three digital magazines - taking your total earning potential to £285 over a year.

You'll get the upfront £150 within 3 working days of the switch completing (no minimum pay-in). To get the monthly reward, each month pay in £1,500+, stay in credit, and EITHER spend £500+ using the debit card OR keep £5,000+ in the account at all times. See full Halifax review.

Can you make £1,000s by repeatedly switching banks?

With multiple banks lining up to offer FREE cash for your custom, as long as you're not planning any immediate credit applications, why not make more money?

Just move an existing current account to a bank that pays you to switch, wait until you receive the freebie, then move it again to another bank that pays. Or to get really advanced, open a 'burner' account you just use for switching. Full help and pros & cons in make £1,000s by repeatedly switching banks.

MoneySaver Seth recently emailed: "I just wanted to report that your tips on bank switching have helped me massively. In the last eight months I have done 6 switches, netting a total of £1,100. It was easy!"

These accounts work for a specific purpose - if you're paying bills from your account or you want to save on insurance you're definitely going to use. You don't need to switch to get 'em, but you do need to work out if you'll truly benefit from them.

1. TOP FOR ONGOING REWARDS: Santander Edge
Key perks: 1% cashback on bills & supermarket shops
MSE customer service poll rating: 55% 'great', 13% 'poor'

The £3/mth Santander Edge* account gives a linked 4% easy-access saver you can put up to £4,000 in, fee-free overseas spending and cashback in two different categories, up to £20/mth in total. You get:

- 1% cashback on bills paid by direct debit (water, council tax, energy, broadband, mobiles, home phones, paid-for TV). Max £10/mth.

- 1% cashback on supermarket shops, fuel, and train and bus travel paid for on your debit card. Max £10/mth.

We estimate typical bills and spending would earn £60 to £100/yr after fees.

Santander's minimum monthly pay-in is £500 and you must also have 2+ direct debits set up. If you have really big bills, the Santander Edge Up* is the same except it costs £5/mth but pays up to £15/mth cashback on bills/shopping, and 3.5% interest on up to £25,000 held in the account. Full info in our Santander review.

2. TOP PAID-FOR BANK ACCOUNT: Virgin Money Club M
Key perks: £500 insurance for £150/yr
MSE customer service poll rating: 41% 'great', 26% 'poor'

Packaged bank accounts are those where you pay a monthly fee, and lots of insurance products are thrown in, so they can be a great way to get £100s of needed insurance for a fraction of the usual cost.

Our top pick is Virgin Money's Club M account - it gives cover for all family phones and gadgets, worth £100s individually, plus worldwide family travel insurance until your 75th birthday and UK breakdown cover for the account holder. We've full details in our Virgin Money review and decent alternatives in Top packaged bank accounts.

PS: These accounts are the Marmite of banking and many people were upsold or mis-sold unsuitable policies - if so, you may be able to reclaim £1,000s.

Overdrafts are danger debt, with interest rates typically a whopping 40%. You can switch when you're overdrawn, though there's no guarantee the new bank will match your existing overdraft - or even offer you an overdraft at all.

However, all banks have overdraft eligibility checkers, so use these before applying to get an indication of whether you'll likely qualify. And if it goes well you can use the free cash to reduce what you owe, and cut the interest too. 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 a free £175, and many get a £250 0% overdraft. So if your overdraft's up to £425, the £175 pays some off and the rest is interest-free. Above that you'll pay the 40%, like elsewhere. Full info in First Direct review.
A year's potentially bigger 0% overdraft. Nationwide FlexDirect* can offer a far bigger 0% overdraft, though 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 in Nationwide review.
Do a 0% money transfer. These are specialist credit cards you can use to clear your overdraft. Quite simply, you apply, then ask it to pay money into your bank account, so you owe it instead, at 0% interest for up to 14 months. You need to be careful though. Our Money transfers guide will take you through it, including top deals.

For more help, see our 9 tips to cut your overdraft.

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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.

Mortgage crisis help

Base rate up AGAIN to 5.25% - with further rises likely. What to do if you're remortgaging, struggling to pay or on a cheap fix that's soon to get expensive...

The Bank of England raised the base rate to 5.25% last week, with experts forecasting it'll peak at about 6% by early 2024 before gradually retreating. All of which means the cost of tracker and variable mortgages is still rising, while uncertainty lingers for the 2.4m who have fixed-term deals ending before the end of next year. Yet fixed rates have at least edged down slightly, plus new help's available if you're struggling to pay your current mortgage. Here's what you need to know:

Deal ending within six months? Find the cheapest new mortgage NOW. Our free Remortgage PDF has full info on how it works, but in short...

1) Gather your current mortgage details. For example, what type is it; what rate are you on; how long is your term?
2) Check your existing lender's deals. Rates can be competitive and there's often less paperwork. Product transfer options.
3) Speedily compare to see if it's cheaper elsewhere. See what's available with our mortgage comparison tool.
4) Check what you'll be paying. Use our mortgage calculator.
5) Boost your acceptance chances. Check your credit file before lenders do, plus tips to boost your creditworthiness.
6) Should you fix, and if so, for how long? The more you value certainty, the more you should fix and fix longer. But fixing for 5/10yrs is cheaper than 2yrs - a sign markets think rates will fall long-term. It's a tough call, so you should...
7) Talk to a mortgage broker. They'll run you through your options and find lenders more likely to accept you, plus they've access to exclusive broker-only deals. See top mortgage brokers.
New mortgage support available - what to do if you're struggling to pay your mortgage. Most big UK lenders have signed up to the new mortgage charter - if you've already reassessed your finances and still need help, check if your lender offers mortgage charter support. If you haven't already missed a payment, you can choose ONE of these two options and use it ONCE, without hurting your credit file. There's a lot to consider, so see our new mortgage charter support guide to help. But in brief:

- Option 1: Switch to interest-only repayments. Likely wins if you need significant short-term help. It will last for six months, during which time your monthly repayments will be lower.

- Option 2: Extend your mortgage term. Likely wins if you need a smaller amount of short-term help OR if you need longer-term help. This will lower your repayments, and while you can return to your original term if you want to, you can also keep the extended term if you wish.

Neither option is to be taken lightly, as the better one for you will depend on how much each option cuts payments, whether you need short or long-term help, and how much it will add to your mortgage. Our full charter support guide takes you through the options in detail, while our ready-reckoner calculator helps you work out the cost.

- Already missed a payment? You won't be able to access the mortgage charter support outlined above. Instead, speak to your lender about the tailored support it can offer you.
On a cheap fix with 6mths+ left to run? Start prepping NOW. When your current deal ends, you'll likely be moving to a more expensive one (use our Compare two mortgages calc to see how much more a new deal at 6%-ish will cost). So...

- Set a reminder for SIX MONTHS before your current fix ends. That's how far in advance most lenders let you apply for a new deal. So you can lock in today's rate now (often fee-free) and then ditch it if something better comes along. Normally this won't incur a penalty, unless you've paid fees upfront. See lock in early for more.

- Save whatever you can NOW to reduce the future pain. As most on cheap fixes can earn more saving than their current mortgage rate costs, for now it's best to put cash in top savings instead of overpaying, ready to use towards your new mortgage when the fix ends. Our Mortgage overpayment calc can show the impact, with more help in Overpay mortgage?

New. Top easy-access savings now pays a huge 5%. App-only Tandem pays 5% with unlimited withdrawals and no minimum deposit. It includes a 0.35% 12mth bonus - to get it, click 'top-up' button in the app once you've opened an account. Top online account: Secure Trust Bank pays 4.65% with unlimited withdrawals (min £1,000). Top big name: Cahoot (Santander's sister bank) offers 4.6% with unlimited withdrawals (min £1). All rates are AER variable. Full info and top fixed-rate options in Top savings.

New. Existing-customer energy deals: Octopus launches cheap fix and British Gas & E.on cut price of theirs - should you get one? See what deals are available.

33p Coke Zero, 38p Mars choc, 72p Dolmio - via 15% off code for already reduced food. MSE Blagged. Motatos sells cheap surplus food or products past 'best before' dates (NOT 'use by' dates, which are about health). Not in NI, min £25 spend. Motatos

Ends 11.59pm Thu. BT fast fibre broadband just '£27/mth'. Not the cheapest, but many like a big name and this is cheap for BT. Newbies can get this BT 67Mb broadband-only (no line) deal via Broadband Genie for £29.99/mth with no upfront cost. But claim and factor in the £60 virtual prepaid Mastercard and it's equivalent to £27.49/mth over the 2yr contract. On Universal Credit or similar? Check if you can get BT's £20/mth social tariff. For more deals, use our broadband comparison.

M&S up to 50% off sale. Includes 1,000s of its own items plus brands such as Fat Face, Ted Baker and Veja. M&S sale

New. Local bank branch closing? Where to go for cash, cheque deposits and more. With hundreds of branches disappearing from the high street, our new guide takes you through your face-to-face banking alternatives.

Premium Bond prize rate to rise to 4.65% from September - but are they worth it? It's the highest rate since 1999, but most people with typical luck won't get that - and top easy-access savings pay more. See Premium Bonds analysis.

New. TikTok Shop - how to shop safely. MSE Olivia explains what it's all about and shares safety tips in TikTok Shop.

BLAGGED FOR MSE

- 15% off already reduced 'past best' groceries Ends Tue 15 Aug
- Hot Diamonds 40% off everything Ends Tue 15 Aug

DID YOU MISS?

- Extra 25% off secret theatre tickets from £4, including West End
- Updated. Are solar panels worth it?
- FREE McDonald's fries for app newbies
- Help to Buy helpline chaos leaving homeowners unable to sell

Pet insurance going cheep (and woof...)
Including hot deals comparison sites miss, such as £75 Amazon voucher

More than half of UK households own a pet, and as if the food and treats didn't cost enough already, the price of pet insurance has been rising as claims are now more expensive, according to the Association of British Insurers. And as there's no NHS for pets - and with medical costs high (treatment for arthritis in a dog can cost over £2,000, and help for a cat with diabetes £1,000) - you could face tough decisions without cover. Our full Cheap pet insurance guide has a litter of tips to reduce costs, whatever pet you have, but here's a brief walkies through...

OWN A CAT OR DOG? Combine comparison sites, then check hot deals they miss. Like most types of insurance, prices are bespoke, so the key is to get as many quotes as possible in the shortest time.

Step 1. Combine comparison sites. Try as many as you've time for, as they search different insurers and sometimes have different prices for them, and most let you get multi-pet quotes. Try MoneySupermarket*, Compare The Market* (single pet quotes only), Gocompare and then Confused.com*.

Step 2. Check deals that aren't on comparison sites. As well as big providers such as Direct Line and Petplan*, which don't appear on comparisons, some promos are missed too. We've included the top deals that comparisons don't list in our guide (some because we've blagged exclusive extras).

So check them individually and compare them to the winners from comparison sites, factoring in the promos and the level of cover, to see which wins. These include the following (though we don't have huge feedback on all providers)...

- Fluffy* - through this special link it offers a £75 Amazon voucher after 15 days of cover.
- Ends Thu. Waggel* - via this link, get a £55 Amazon voucher per pet on the policy after 90 days.
- John Lewis Finance* - gives a £50 John Lewis or Waitrose voucher via that link after 90 days.
- Napo* - offers a £40 Amazon voucher through this link, with code MSESUMMERPROMO, paid within 75 days.
- And if there's time, check cashback sites too to see if you can get cashback on the comparison's winner.
HORSES, RABBITS, PARROTS, REPTILES AND OTHER PETS: Comparisons don't usually work. It's a little trickier, as you'll need to manually compare quotes directly with specialist insurers.

- For horses and ponies: Try SEIB, Petplan Equine* and NFU Mutual.
- For rabbits, budgies, guinea pigs, parrots, lizards and more: Try Exotic Direct* & British Pet Insurance (+ Sainsbury's & Petplan* for rabbits).
BEWARE switching insurance if your pet has an existing condition. Most new policies won't cover past issues, whether you've claimed for them or not. Yet if you stay with your old insurer, you're likely to pay more to cover that condition in future. So it's usually a choice between switching to a cheaper policy with no cover for the specific condition, or sticking and likely paying more. Full help in existing problems.
Top pet insurance NEED-TO-KNOWS...

1) It generally covers big issues (such as broken bones and cancer), not check-ups. See what's covered.
2) Need cover but can't afford it? If you're on certain benefits, charities such as the PDSA may help with vet bills.
3) Cats are seen as free spirits, dogs aren't. That means you're liable for your dog's behaviour if it causes damage or injury to other people or property. So always check third-party cover (as a minimum, get it standalone from Dogs Trust).
4) Could you self-insure? For smaller animals, you could put cash in savings to cover fees. See self-insuring help.
5) Don't forget routine jabs. If you don't keep up to date, it may invalidate your insurance.
6) Always check the policy is right for you. It's not easy, as insurance is about protection from the unknown, but do check the policy details, what's excluded, and that the firm's regulated by the Financial Conduct Authority.
7) If your claim's unfairly rejected, take the firm to the Financial Ombudsman. Once you've complained to the firm, you've then a right to go to the free independent Financial Ombudsman Service for its help to settle the claim.

Hot Diamonds 40% off EVERYTHING - for example, £80 ring for £24. MSE Blagged. Includes already reduced outlet items. Hot Diamonds code

Grab dirt-cheap craft materials for £1 via scrap stores. These stores are treasure troves of ultra-cheap card, paint, buttons, ribbons, fabric, lace and more. Ideal for families and artists. Full info in scrap stores.

'I got £700 compensation for a cancelled flight thanks to your tips.' Our success of the week comes from Allison, who emailed after reading our Flight delays and cancellations guide: "Just wanted to say a giant thank you. Our Easter package holiday to Porto was cancelled by Easyjet the night before our holiday. Thanks to your advice to persist (and using your links), we've just received £700 in compensation." If we've helped you save money (on this or owt else), please send us your MoneySaving successes.

Drive in London? Beware fees as the ULEZ expands. What's changing and what to do. ULEZ expansion

Students, parents, teachers - buy an iPad or Mac and get up to 10% off, plus a free up to £130 gift card. Apple isn't MoneySaving, but if you're buying anyway, this is a cheaper way. Take a bite out of Apple's prices. Related: Students get £10 off £75 spend at Ikea.

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AT A GLANCE BEST BUYS

Longest 0%: Barclaycard (check eligibility / apply*) - up to 30mths 0%, 3.45% fee (24.9% rep APR interest)
No-fee 0%: NatWest (check eligibility / apply*) - 16mths 0% (23.9% rep APR)

£200 to switch + £36/yr cashback: NatWest / RBS
£175 to switch + top service: First Direct

Top easy access: Tandem 5%, no min
Top one-year fix: SmartSave 6.06%, min £10,000

Try our Compare+ Car Insurance tool

Cheapest for £5,000 to £7,499: AIB (NI) (apply), 5.6% rep APR
Cheapest for £7,500 to £15,000: AIB (NI) (apply), 5.6% rep APR

Standard (10Mb+): Shell Energy '£16.88/mth'
Fibre (30Mb+): Shell Energy '£18.83/mth'
Fast fibre (55Mb+): Vodafone '£20.42/mth'
Superfast fibre (100Mb+): Vodafone '£21.21/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: Lebara, '£3.45/mth' for 5GB
10GB+ data: Lebara, '£3.57/mth' for 12GB

THIS WEEK'S POLL

How much do you spend on your pet(s) a year? We're a nation of pet lovers, but getting one can be a huge commitment - for you and your wallet. So whether you've a Kitty, Rover or Nemo, we want to know how much ewe spend on your pet(s) purr year, including on food, insurance, vet costs and owt else. Vote in this week's poll.

Using a specialist travel credit card is the most popular way to spend abroad. Last week, we asked how you normally pay while on holiday - nearly 6,000 responded. Just under one third (31%) said they used specialist travel credit cards, while cash ordered in advance was the next most popular option at 23%. Encouragingly, only 0.1% said they exchanged cash at the airport - by far the most costly way. See full travel money poll results.

MSE NEWS

- Top story: Hive switching off smart home gadgets - are yours affected?
- Disability cost-of-living payments paid to millions - what to do if you haven't got yours

MONEY MORAL DILEMMA

Should my partner contribute more to household bills as he works from home full-time? I work part-time from my workplace and look after our child one day a week to save on childcare costs. My partner works full-time from home, using two computers, cooking food and having the lights and heating on as required. He contributes more towards bills than I do, as I reduced my hours, and therefore pay, to care for our child, but I think he should contribute even more, as he uses much more energy, water and so on than I do. Should I ask him to pay more? Enter the Money Moral Maze: Should my partner contribute more to our bills? | Suggest a Money Moral Dilemma

- Win a 5-night California getaway plus hire car
- Win a trip to the Paris 2024 Olympic Games
- Win a 2-night stay at a choice of Hyatt Hotels

- Win a trip to New York
- Win £1,000 towards your next holiday
- Win a 7-night European cruise

MSE TEAM BLOG

- MSE Forum highlights: Distrust, discounts & disinfectant

MSE TEAM APPEARANCES (SUBJECTS TBC)

Wed 9 Aug - BBC Radio 4, You and Yours with MSE's Helen Saxon, from midday
Thu 10 Aug - BBC Radio 4, Woman's Hour with MSE's Katie Watts, from 10am

'BOGOF THE WALL' AND 'DO THE (SIDE) HUSTLE' - MAKE YOUR FAVOURITE SONGS MONEYSAVING

That's all for this week, but before we go... we asked our social media followers to make their favourite songs MoneySaving and we got some bangin' tunes back. Top of the pops were the Crowded House classic Everywhere You Go, Always Take The Coupons With You, Van McCoy's Do The (Side) Hustle and Bon Jovi's Livin' On a Pound. Others shared their financial goals via the Spice Girls' (Mortgage-Free) Wannabe as well as ACDC's (Wish My Account Was) Back In Black, while a discount hunter came up with Michael Jackson's BOGOF The Wall. But our favourite has to be Abba's Money Money Money(SavingExpert)! Let us know your MoneySaving melodies in our Facebook and Twitter conversations.

We hope you save some money,
The MSE team

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MSE’s Money Tips Newsletters

MSE’s Money Tips New 5% easy-access savings, 33p Coke, FREE £200+ bank switch, 10% off Apple, new energy fixes, M&S 5

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