MSE’s Money Tips Check ur tax code NOW, £13 broadband, £3 cinema, 1m overpay for prescriptions, HOT 0% deals

There are very few cheap deals for only broadband - bizarrely, perversely, it's usually cheaper to get it with home phone line rental too, even if you don't then plug a phone in. So before we go any further...

Check now what you pay for broadband & line rent. Many pay £40+/month & can halve it - saving £200+/year

Seven million people are out of contract on their broadband, and most can pay less and get it faster. The key trick is pouncing on short-lived promotions which we list in our Broadband Unbundled comparison. Or if great customer service is crucial for you, we reveal the top providers. On with the must-knows...

Most broadband providers must now offer new and existing customers the same tariffs. So to attract switchers they instead offer short-lived big sign-up incentives. We factor that in over the contract length to help comparison.

Yet they don't do this on their own sites - likely so existing customers won't see, and as those coming directly to their sites probably plan to sign up anyway. Instead they carry out the price war via comparison tools.

We try to collate those deals in our broadband comparison, and here are the current winners. Standard broadband is usually fine for browsing or light streaming for one person. If multiple people use the connection at the same time, or you're a gamer, faster speeds will help.

NEWBIES' BROADBAND & LINE DEALS Postcode dependent - links go via our broadband tool to check
Deal & equivalent cost (1) excluding calls	How good is it?
Ends 11.59pm Mon. Plusnet 10Mb (basic) broadband & line '£13.27/month' Customer service score: 6.5/10	The cheapest deal & good service. Apply via this link and you pay £17.99/month until April when it rises to £19.66/month. But you're AUTOMATICALLY sent a £75 prepaid Mastercard (as good as cash) within 45 days - factor that in over the one-year contract, and it's equivalent to £13.27/month.
Ends 11.59pm Sun. Vodafone - 38Mb fibre (fast) broadband & line '£15.85/month' - 67Mb fibre (superfast) broadband & line '£16.95/month' (2) Customer service score: 5.7/10	Cheapest fibre & superfast fibre. Via these links you pay £18/month for 38Mb fibre (£19/month for superfast 67Mb) until April when it rises to £19.67/month (£20.77/month for superfast). But with both you can CLAIM (don't forget) a £90 Amazon voucher. If you'd have spent there anyway, factor that in over the two-year contract and it's equivalent to £15.85/month (£16.95/month for superfast). (2)
Ends 11.59pm today (Wed). TalkTalk 67Mb fibre (superfast) broadband & line '£18.11/month' Customer service score: 4.5/10	Cheap superfast fibre. As an alternative to Vodafone, pay TalkTalk £20/month until April when the price rises to £21.82/month. And you can CLAIM (don't forget) a £65 prepaid Mastercard (as good as cash). When factored in it's equivalent to £18.11/month over the 18-month contract. (2)
(1) To compare, we use 'equivalent costs' - adding all costs, deducting promo credits and averaging over the contract. (2) We've factored in this April's price hikes, but for the longer Vodafone and TalkTalk contracts, they are allowed to increase the costs again in April 2023 by Consumer Prices Index inflation plus 3.9% (Vodafone), and plus 3.7% (TalkTalk), which would add about £3/month over the contracts.

Will you get the advertised speed? Since 2018 the rules have stated 50% of customers must get the advertised speeds at peak time (8pm-10pm).

All bigger providers must also indicate your estimated minimum speed pre-application and all three above will let you cancel penalty-free if your speed doesn't meet the minimum for three consecutive days, and they can't fix it within 30 days.

Here are the results of our latest customer service poll, which had 20,000 votes. Broadband as a sector tends to have far lower ratings than other areas, so a score of 5/10 is actually, relatively, not that awful.

However, there are a few firms that perform well, though you'll pay more. At the top of the pile is Cuckoo - our pick of its deals is £29.99/month for 67Mb superfast fibre broadband & line. A soupcon behind is the slightly better-known Zen, where newbies pay £29.99 upfront, then £32.99/month for 31Mb fibre broadband only, equivalent to £35.49/month over the 12-month contract. These links go to our top pick tables, so you can easily compare their costs with other providers'.

THE TOP BROADBAND SERVICE FIRMS (min 100 responses)
1. Cuckoo: 9.7/10 (239 votes)	9. John Lewis: 5.9/10 (199 votes)
2. Zen: 9.6/10 (447 votes)	10. Vodafone: 5.7/10 (1,169 votes)
3. Hyperoptic: 9.2/10 (127 votes)	11. Sky: 5.5/10 (2,219 votes)
4. Utility Warehouse: 8.7/10 (369 votes) (1)	12. KCOM: 5.4/10 (139 votes)
5. EE: 7/10 (695 votes)	13. TalkTalk: 4.5/10 (2,050 votes)
6. Plusnet: 6.5/10 (2,409 votes)	14. Shell Energy: 4.3/10 (658 votes)
7. Now Broadband: 6.5/10 (666 votes)	15. Virgin Media: 3.9/10 (4,578 votes)
8. BT: 6.2/10 (3,475 votes)	16. Three: 3.8/10 (114 votes)
(1) A networking marketing firm whose customers are often agents for the firm reselling packages to others, which may (or may not) skew the vote.

This is our view, and we're the first to say it's a judgement call, but looking at price and service, we think Plusnet is probably the best mix of the two right now.

Its basic deal is already a winner on price, and its fibre and superfast fibre are only a few quid a month more than the very cheapest, and nearly a tenner a month cheaper than the top-service deals. Its 6.5/10 rating is good for a bigger provider and as it's BT-owned, it has the 'name you know' factor many people like. Currently its top deals all end Monday, including...

- 10Mb basic broadband & line - '£13.27/month'
- 36Mb fibre broadband & line - '£19.76/month'
- 66Mb superfast fibre broadband & line - '£21.93/month'

All these include some form of incentive for signing up, and the price we're giving factors that in. The links go via our Broadband Unbundled tool which explains the full details.

Six providers currently offer discounted 'social tariffs' and the regulator Ofcom says more than four million people are eligible for them, missing out on savings averaging £144/year.

We've just added a full list of top discounted social broadband tariffs to our comparison, including biggies BT Home Essentials and Virgin Media Essentials, plus TalkTalk's six months' FREE broadband for jobseekers.

These have consistently low tariff costs, so are - for most who qualify - unbeatable price-wise if you want to stick with one provider for a number of years. Though if you're a regular switcher (barring the TalkTalk deal) you will be able to undercut them by riding the top deals above for the switching incentives and changing every year or two.

As James wrote on Martin's Facebook page about the BT deal: "BIG savings for anyone on universal credit. Takes seconds to set up. My bill has halved."

Broadband isn't just about picking the provider - there's a host of other ways to improve your price and experience.

- Slow broadband? Test your speed - is it the Wi-Fi or the connection? It's always worth a broadband speed check, yet the best thing is to do this twice. First using your Wi-Fi, and then if possible by plugging your laptop or computer into the router if you can. If the speed is substantially slower by Wi-Fi you may need to...

- Put your router higher up and make sure nothing is blocking it. A nice high router, not hidden in a cupboard or by walls, should help your speed. And of course nearer is better. For more, see our 8 speed-boosters to make it faster.

- Members of cashback sites can sometimes undercut deals. Our Top cashback sites guide explains how these sites work - they often feature broadband deals and give cashback on them. In some cases, factor in the cashback and they can undercut promotional deals elsewhere, though don't assume it's the same deal: they can be structured differently, so check carefully.

- Switching is usually done remotely and only means about two hours' downtime. You're told the switch time in advance and it's often quick. Most won't need an engineer to visit, but with switches involving Virgin it's more likely - you're usually told before you apply.

- Happy where you are? Haggle to cut the price. If you're out of contract and happy with the service you get, still check out the prices above (and double-check they're available in your area). Then take them to your existing firm and politely and charmingly haggle.

Broadband firms are usually easy to haggle with. Of those who tried, in our last poll in November 2021, the success rates were over 70% for Sky, BT, TalkTalk and Virgin. See how to haggle down the cost of your broadband.

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.

Two HOT balance transfers: slash existing card debt costs
- Ends Mon. Shift to 21 months 0% NO FEE & get £30 Amazon
- Go LONG, 31 months 0% (1.99% fee) & get £25 cashback

Two new hot balance transfer deals have launched in the last few days, though one isn't around for long. A balance transfer is where you get a new card that repays debt on old cards for you, so you owe it instead, but at 0% interest. Your repayments then clear the actual debt, rather than just the interest, so you're debt-free quicker.

Don't just apply, always take two minutes to check YOUR best deal. Our 0% eligibility calculator shows which of most top cards you've the best chance of getting (and, in some cases, being pre-approved for) without affecting your future ability to get credit, so you can minimise applications which mark your credit file.
Go for the card with the lowest fee in the time you're sure you can repay. (Unsure? Go long for safety.) Most longer 0% deals charge a percentage of the debt shifted as a one-off fee - so if you can repay quicker, this is best avoided. Though right now a few top deals include cashback or a voucher which can cover the fee anyway, meaning you can effectively get far longer at 0% than you normally would for little or no fee...

Top new cardholder 0% 'no fee(ish)' balance transfers
CARD	KEY 0% INFO	HOW GOOD IS IT?
New. Santander Best to check acceptance odds first, but then you must apply via this money.co.uk link* to get the voucher.	- 21 months 0% - NO FEE - Ends Mon. £30 Amazon voucher for most, but you must claim it (don't forget) - 20.9% rep APR after the 0%	Longest NO-FEE card open to all. All accepted get 21 months at 0%. Plus accepted newbies who apply by Monday 28 February (not via us, via the link to money.co.uk on the left) can claim a £30 Amazon voucher (unless you have already claimed a voucher from a Santander card in the last six months).
NatWest (+ RBS & Ulster), existing customers only Best: check acceptance odds, or apply* direct.	- 22 months 0% - NO FEE - 21.9% rep APR after the 0%	Longest NO-FEE card, but only for existing NatWest (+ RBS & Ulster) customers. Existing savings, credit card, mortgage or current account holders of these three sister banks can apply, and all accepted get the full 22 months at 0%.
M&S Bank Best: check acceptance odds, or apply* direct.	- 31 months 0% - 1.99% fee (min £5) - £25 cashback via our links, if shifting £100+ in first 90 days - 21.9% rep APR after the 0%	Long interest-free card, and effectively NO FEE or better if shifting £100 to £1,250. All accepted get the full 31 months at 0%. If shifting £1,250 or less, the fee's wiped or you're up a little due to cashback. Even above that, it's a very low fee for such a long 0% period if you factor in the cashback. Contrast it to the longest 0% card, MBNA's up to 33 months 0% (2.69% or 3.49% fee, 21.9% rep APR); M&S has a similar 0% period but for a much lower fee.

Getting a card? Always follow the Balance Transfer Golden Rules:

a) Never miss the min monthly repayment, or you could lose the 0% deal and it'll cost far more.
b) Clear the card (or balance-transfer again) before the 0% ends, or the rate rockets to the APR.
c) Don't spend/withdraw cash. It usually isn't at the cheap rate and withdrawals hit your ability to get future credit.
d) The balance transfer must usually be done within 1-3 months to get the 0% and any cashback - check your card.
e) You can't balance-transfer between two cards from the same banking group.

Full help and info, including options for poorer credit scorers, in Best balance transfers (APR examples).

News. Over 1 million overpaid for NHS prescriptions last year - did you? Check here... missed out on a prescription season ticket?

ALL Cineworld tickets incl Imax & 4D £3 this Saturday ONLY (+ trick to get 'em for £1). It's got a big one-day discount as part of a sponsorship deal. Full info in Cineworld day. Related: 5 Odeon tickets £25 (don't all need to be used at once).

Martin: 'Calling employees aged 16-74 earning over £6,240/year - ensure you don't lose a hidden pay rise.' Martin's added a new 4-minute video to his blogs on how to get or keep a pay rise via your pension. See hidden pay rise (age 22-66 earning £10,000+) or hidden pay rise (age under 22 OR over 66 OR earning sub-£10,000).

Railcard discounts are back - 33% off code. Slash train costs. Gets a digital railcard via the Trainline app for £20 for 1 year (normally £30) or £47 for 3 years (normally £70). They usually get you 1/3 off travel. Cards include: 16-25 | Family & Friends (1-4 adults 1/3 off if with 1-4 kids, who get 60% off) | Two Together (for any named pair) | Senior. See railcard code.

Ends Thu. Just '£4/month' for unlimited mins & texts 5GB Sim (pay £6/month & get £25 Amazon voucher). Newbies to Virgin Mobile* (uses Vodafone's network) can get 5GB of data for £6/month, and claim a £25 Amazon voucher within 4 months. If you'd have spent that anyway, factor it in and it's equivalent to £3.92/month over the year's contract. For alternatives, use our Cheap Sim Finder or Cheapest Handset Finder tools.

Sky, O2, Three & Virgin Mobile hike prices by up to 11.7% - can you beat the hikes? Many can leave penalty-free - check what your provider's doing and if you can switch. Related: Disney+ hikes bills £20/year for many.

Ends Sun. 7p/litre off fuel at Morrisons with £40+ in-store spend. See Morrisons 7p off fuel.

Student finance may change radically on Thu. Must-watch if you hope your child/grandchild goes to uni. Thu 8.30pm, ITV - The Martin Lewis Money Show LIVE. Over to Martin: "The think tank Wonkhe predicts the Govt's long-awaited reply to the Augar report may be published Thu. If so, it will likely mean a radical shake-up to student finance, so it's a great day for a special, full of crucial info to demystify the complex system. Do watch and include children who are interested too. Plus of course all the latest news you can use. And remember we're live so set the Betamax for the other side."

BLAGGED FOR MSE

- £33 Ted Baker prescription specs (normally £145) Ends 18 Mar

DID YOU MISS?

- 40+ coupons, including free £2 teabags & free £1 flapjacks
- NS&I doubles Green Savings Bond rate to 1.3%
- £70 off Ninja food processor or multi-cooker via code
- £10-£50 London theatre tickets sale, including Frozen
- Posh 'zero-plastic' shampoo bar for £4 (normally £12)

12m+ tax codes are being sent out - check yours NOW
'I was on the wrong code for three years - just claimed £9,400 back with one phone call'

It's tax code season, so HM Revenue & Customs (HMRC) is sending out more than 12 million tax code letters and emails to those who are on payrolls or receive a pension. According to Martin's quick Twitter poll, so far about 40% of those expecting them have got them, with the rest likely to arrive soon. And while it often looks like an innocuous set of letters and numbers, millions are hit by errors every year. There's full help in our Tax codes guide, but here are the brief need-to-knows...

It's YOUR responsibility to check your tax code and, sadly, if you don't it's your problem. Many assume their employer or HMRC will check, but legally it's up to you, which isn't that helpful as the whole thing is complex. Yet get it wrong and you can be underpaying £100s or £1,000s, and years later suddenly find you're hit with a big, unaffordable catch-up tax bill, or that you're overpaying, so are missing out on money you could have now.
If you're on a payroll (as an employee) or get a private pension, you'll have a tax code. These characters dictate what tax your employer or pension firm should take via PAYE - see where to find yours. The numbers and letters mean different things - see full details in our guide - but in summary...

Use our free Tax Code Calculator to find out if your code is likely right or wrong. Our success of the week comes from MoneySaver Michele, who followed our tip to check past codes...

"Thank you for your advice to check your tax code, I did and discovered I was being taxed on every penny I earned, without any allowance. I'd previously been self-employed, but stopped trading three years ago and my tax code hadn't been updated with my employer. It took an hour on the phone to HMRC, but I've now been refunded £9,400. Thank you so much Martin and all MoneySavingExperts."

To check yours, enter your salary and your code for a specific year into our Tax Code Calculator and it'll help explain whether it's likely correct for your earnings, age and situation. If your tax code doesn't look right, it probably isn't.

Overpaid or underpaid? Sort it now. As Michele's tale shows, errors are common, so don't assume you're on the right code. Many are wrong, meaning you can be overpaying or underpaying tax. If you've paid too little, you may have a horrid bill coming - see tax underpayment help. If you've overpaid, you could be due cash back - see tax overpayment help.

£33 Ted Baker prescription specs (normally £145). MSE Blagged. Via code. SpeckyFourEyes

30+ birthday FREEBIES, including Krispy Kreme, Greggs, Body Shop. MSE turns 19 this week - so it's a good excuse to share our birthday freebies round-up, which works whenever you're celebrating. Happy birthday to us

Bag £25 cashback on top 23-month 0% spending card. Apply via our links and accepted M&S Bank 23-month 0% purchases card* newbies (best to check acceptance odds first) get £25 cashback if spending £100 on the card within 90 days. So you could just pay it off IN FULL for the cashback, though this is a top 0% card, so if you NEED to borrow, this is the cheapest way as, used right, there's no interest. Golden rules: 1) Always pay at least the monthly minimum. 2) Clear the debt before the 0% ends or it's 21.9% rep APR interest. Full help in 0% spending cards (APR examples).

Ends Sun: Two adults & two kids' mains & drinks for £10 at Morrisons Cafes. See Morrisons deal.

NS&I customer? Check if you're missing prize money or interest. A computer glitch means 300,000 customers have had prize payments or interest delayed. See how to check if affected and what to do.

14 couples' MoneySaving tips, including £1,200 tax break & how to make £300 switching banks. In case you missed it last week, read our top tips on how it can pay to join MoneySaving forces.

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AT A GLANCE BEST BUYS

Longest 0%: MBNA (check eligibility / apply*) up to 33 months 0%, 2.69% or 3.49% fee (21.9% rep APR)
No-fee 0%: Ends Mon. Santander 21 months 0% (20.9% rep APR) or 22 months 0% if you're a NatWest/RBS customer (21.9% rep APR)

Standard (10Mb+): Plusnet '£13.27/month'
Fibre (30Mb+): Vodafone '£15.85/month'
Superfast fibre (55Mb+): Vodafone '£16.95/month'

Top easy-access: Atom Bank 0.75%, no min
Top one-year fix: Habib Bank Zurich 1.46%, min £5,000

Get comparison site quotes in this order:

Cheapest, £5k-£7.5k: Sainsbury's Bank (check eligibility / apply*) - 3.3% rep APR for Nectar holders, 3.4% for others
Cheapest, £7.5k-£15k: M&S Bank (check eligibility / apply*) - 2.8% rep APR

£150 to switch + TOP service: First Direct
£150 to switch + £3/month cashback: NatWest

Up to 3GB data: Lebara, '£3.90/month' for 1GB, unlimited mins & texts
4GB-9GB data: Virgin Mobile, '£3.92/month' for 5GB, unlimited mins & texts
10GB+ data: Plusnet, '£4.92/month' for 10GB, unlimited mins & texts

CAMPAIGN OF THE WEEK

Donate second-hand kids' books to spread the power of reading. Young people in many families don't have their own books, whether that's through parents' lack of time or confidence to help them, or simply because books are too expensive. The Children's Book Project charity is looking for donations of 'gently used' children's books to distribute to kids who need them most. If you'd like to help, find out where you can donate.

THIS WEEK'S POLL

When did you last make a landline call? To get broadband at home, you often need to have a landline as well. But with many people increasingly turning to video calls or messaging services to communicate, this week we want to know when you last used your landline to make or receive a call. Let us know in this week's poll.

Younger MoneySavers are more likely to approve of using a restaurant voucher on a first date. Last week, in our traditional Valentine's poll, we asked if it's OK to use a voucher on a first date, and 2,600 of you responded. And we saw a generation gap, as while over 60% of under-25s viewed using a voucher as a positive, only a third of over-65s saw it the same way. Interestingly, it was older women who were the most likely to disapprove. See the full Valentine's voucher poll results.

MONEYSAVING NEWS

- Top story: Virgin Media O2 axes broadband disconnection fees of up to £240 for home movers
- Welsh households to receive £150 council tax credit, plus Winter Fuel Support Scheme payments doubled to £200
- London Capital & Finance victims in line to get more compensation due to regulator failings
- Energy suppliers will be forced to make all tariffs available to new and existing customers
- Government's Test and Trace £500 support scheme in England to end on Thursday - here's all you need to know

MONEY MORAL DILEMMA

Is it OK to claim free food to feed my guinea pigs? With the cost of living rising, including the price of food, I've been considering using a food sharing app to collect salad that's going free, then feeding it to my guinea pigs. Is it OK to do this to save money, or should I be leaving it for those who want to eat it themselves? Enter the Money Moral Maze: Is it OK to claim free food for my pets? | Suggest a Money Moral Dilemma

MARTIN'S APPEARANCES (WED 23 FEB ONWARDS)

Wed 23 Feb - Ask Martin Lewis, BBC Radio 5 Live, 1pm. Listen to past episodes
Thu 24 Feb - This Morning, phone-in, ITV, 10.55am
Thu 24 Feb - The Martin Lewis Money Show Live, ITV, 8.30pm

MSE TEAM APPEARANCES (SUBJECTS TBC)

Tue 1 Mar - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 12.40pm

FREE SAMPLES, AUDIOBOOKS AND... GUARD DOGS? HOW SMART SPEAKERS CAN BE MONEYSAVING...

That's all for this week, but before we go... A Forumite asked for some questions to put to her Amazon smart speaker. And fellow Forumites came back with some great MoneySaving suggestions, including: "Alexa, what's free from Audible?" for the latest free audiobooks, "Alexa, send me a sample..." for freebies and "Alexa, add [GROCERY ITEM] to my shopping list", to help stick to a list. And one poster even described how the speakers could be used as a cheap way to deter intruders - including setting timers for lights and playing barking noises while you're out. Find more ideas and add your own in the Smart speakers can be MoneySaving Forum discussion.

We hope you save some money, stay safe,
The MSE team

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MSE’s Money Tips Check ur tax code NOW, £13 broadband, £3 cinema, 1m overpay for prescriptions, HOT 0% deals

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