5% savings ending, 0% debt shift till 2029, £17/mth full fibre, consumer voodoo?, 59p/mth Sim, find £1,000s in lost pensions

Plus... £85 Shark vacuum, are you overpaying Council Tax?, 5% off fuel, the Biggest Stoozers

                                                           

04 August 2026 | View in browser

Banking & Savings Household Bills Deals Insurance Cards & Loans Mortgages Income Reclaim

 

THE TOP TIPS IN THIS EMAIL How to pay 0% interest on your credit cards till 2029... - Top debt shift cards, eg 36mths 0% + £25 cashback - Top cards for poorer credit scorers - up to 22mths - How to properly use balance transfer cards - In debt crisis? Get free help now Council Tax: check NOW if you can save £1,000s 1GB Sim '59p/mth' - cheapest we've EVER seen Urgent. 5% savings ending Martin vid: Check section 4b on your driving licence The Biggest Stoozers: the MoneySavers who've made £1,000s manipulating 0% cards Shark cordless vacuum £85 Ends Thu. £17/mth full fibre broadband Martin vid: Section 75 - powerful consumer voodoo It's back! 'Free' bakery item at Lidl 'Stunned - found a £19k pension thanks to your tracing tips' Is your old digital camera worth £100s? Teacher? 30% off Disney+, 10% off Pret & more 5% off fuel at Tesco New MSE rolling news - get The Latest in-app M&S 'up to 50% off' sale - is it any good? £150 cashback on 4.7% 2yr+ savings fix Six wines & six craft beers £45 100 days' free access to 5,000+ digital mags & newspapers This week's best buys: 5.8% loan, £220 bank switch & more Money Moral Dilemma: Should we top up our child's JISA?

Ends Mon. Top long 0% balance transfer card gives you interest-free debt till 2029, plus £25 cashback Can't afford to clear debt in full? Then you can't afford not to check if you can shift it to 0% Right now, there are three credit cards offering a definite 36 months interest-free for debt shifted to them - so all accepted customers get the full 0% period. Plus HSBC will even pay you £25 to sweeten the deal, which could lessen - or even eliminate - the transfer fee... but that's ending soon. There are also a number of decent options for poorer credit scorers. So if you're paying interest on credit card debt, it's a perfect time to check what you can get... What's a 0% balance transfer? It's where you get a new credit card that pays off debt on your existing cards, so you owe it instead, but interest-free. This means your repayments reduce the actual debt, rather than just cover the interest - getting you debt-free quicker (just don't borrow more). Three key tips before we start... Avoid rejections using an eligibility checker. Our Eligibility Calculator shows your odds of getting each card, so you can hone in and apply (via the calc) for the one likeliest to accept you, minimising 'applications' on your credit file. Go for the lowest-fee card with a 0% long enough to clear your debt. The longer the 0% the bigger the one-off fee (eg, 3% = £30 per £1,000 of debt shifted), so shorter 0% cards are cheaper. Unsure? Play safe & go long. Usually rejected when you apply? MSE's free Credit Club (available via the MSE App on Apple | Android) can analyse the problem. Plus you can also access our eligibility calc there too. Top 0% new customer balance transfer deals Links via our eligibility calc to see if you'll be accepted (except TSB) DEFINITE long 0% cards. So ALL accepted get the full 0% length. Ends Mon. HSBC 36mths 0% (3.09% fee) + possible £25 cashback. 24.9% rep APR after 0% ends. Apply by Mon 10 Aug & then transfer £500+ within 60 days to get £25 cashback (paid within 90 days). Existing HSBC customer? Use this link. Virgin Money 36mths 0% (3.1% fee) 24.9% rep APR after. Tesco Bank 36mths 0% (3.45% fee). 24.9% rep APR after. LONGER 0% card, but this is an 'up to' deal. Here some accepted customers get a shorter 'backup' 0% deal. TSB 'up to' 38mths 0% (3.49% fee). 24.9% rep APR after. Some accepted will get 35mths or 32mths 0%, with higher rep APRs after too, at 28.9% and 30.9%. It's not available via our eligibility calc so the link goes direct to TSB. Top NO FEE 0% balance transfers. Winners for those who can repay far more quickly Virgin Money definite 12mths 0% NO FEE. 24.9% rep APR after. Barclaycard 'up to' 12mths 0% NO FEE. 24.9% rep APR after. If you're not shown as pre-approved in our eligibility calc for the full 12mths at 0%, you could be accepted and offered 12 or 6mths 0% and/or 31.9% interest. The top POOR CREDIT HISTORY balance transfers If you can't usually get the top cards, ensure you use our eligibility calculator as it will show you the cards you've the best chances of acceptance for. These include... - Capital One's definite 22mths 0% (2.9% fee) 26.9% rep APR after. Note: You'll see the card in results if you've a chance of getting it. If you have no chance, you won't see it (but will see other cards). - Fluid's 'up to' 15mths 0% (3% fee) but extreme 49.9% rep APR after, ensure it is cleared within 15mths if you get it. - Capital One's definite 9mths 0% (3% fee) 34.9% rep APR after. Again, you'll only see it in your results if you can get it. None of these exclude those with County Court Judgments (CCJs), defaults, or cleared bankruptcies, and Fluid allows income as low as £5,000/yr. Yet with all, acceptance depends on a host of factors. The thing to watch with poor credit scorer cards... the APR (interest rate) after the 0% ends is often higher and with some cards it can be 49.9%, as you'll see above. So, compare that rate to the card(s) you're shifting debt from... Current card(s) APR is lower? ONLY shift debt you're certain you can clear within the 0% period. Current card(s) APR the same or higher? Shift as much as is allowed. How to properly use 0% balance transfers When you get the card, the best thing to do is apply at that point to shift the balance from your existing credit and store card(s). The new card firm will then pay the old card firm the money, so you now owe the same amount (plus any fee) to it instead. Getting the right card's just the start. Here are the four golden rules... Clear debt before the 0% ends. Pay it off or balance-transfer again before the 0% ends or you'll pay the higher rep APR. Never miss the minimum monthly repayment. Or you can lose the 0% rate. Best to set up a Direct Debit. Don't spend / withdraw cash on the card. It usually isn't at 0%, so will be expensive. Try to avoid further borrowing. Think carefully before borrowing any more. Do a money makeover and a budget. It doesn't stop there though - we get many questions about how balance transfers work. These are the most common....  Should I apply if my best eligibility score's only 20%? While 20% odds are low, it means two in 10 who apply will likely succeed - and it could be you. If you're rejected, barring a minor credit file application mark, you're no worse off. After all, cutting debt costs is what you try to protect your creditworthiness for (usually only trumped by a mortgage application), so go for it. As Adam emailed: "I just felt inspired to thank you. I applied to one of the top results on your eligibility checker, which estimated I had only a 20% chance and, guess what? I was accepted with an interest-free period of 2yrs. This debt was costing 20% APR!" Should I pay an equal amount on every card (spoiler... NO)? List all your debts in APR order from highest to lowest. Include your overdraft if you have one (as these days overdrafts are often the most expensive form of mainstream borrowing). Then, if possible, focus every penny of spare cash at trying to clear the debt with the highest interest rate, as it's growing quickest, and just pay the minimums on all the others. Once that's clear, shift focus to the next highest. What if the credit limit they give me isn't enough? In most cases, you won't know your credit limit until after applying, though some cards in the eligibility calc will show a guaranteed credit limit before applying. If you find the limit given is too low, shift as much of your highest APR debt as you can to the new card (usually you can move up to 90% of the credit limit). Then go back to the eligibility calc to see your chances of acceptance for other providers' cards to move the rest. What if the eligibility calculator says I've "no chance" for all cards? That can happen, especially for those on lower incomes or with a poor credit history (see how to improve it in MSE's Credit Club). So check if your credit limits on all existing cards aren't full in case you can shift debt from one card to another if it's cheaper. For example, if one credit card charges 18% and has half the credit limit left, and the other card is at 30%, ask the cheaper card's firm if you can shift debt from the more expensive one to it, saving you cash. Even better, some cards also have 'existing-customer balance transfer offers', eg 12mths at 0%. See the credit card shuffle for more. In debt crisis? Get free debt help NOW The tips above are for those who can afford to meet their credit card payments and want to make them cheaper. If you can't, you'll likely need a different tack. Here's Martin's snap test... 1. Do you struggle to meet minimum monthly payments or pay all bills? 2. Is your total debt (not mortgage/student loan) over a year's salary? 3. Do you have sleepless nights or depression/anxiety over debt? If you answered yes to any of these, you need a stronger intervention, so get free, one-to-one debt-counselling help from Citizens Advice, StepChange, or National Debtline. They have powers to give you breathing space on your debt or can put you in a repayment plan or similar. While this may impact your ability to access credit, it's usually worth it to get you out of the debt hole. Or if you need emotional support too, try CAP.  Read inspiring stories in the Debt-free wannabe forum, plus see Mental Health & Debt and Debt crisis for more help.

 

 

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.

 

 

 

Council Tax: don't wait for reform that may never happen... check NOW if you can save £1,000s In too high a band? Due a discount / reduction? Are you in council tax credit? Council Tax reform is back in the spotlight after the Prime Minister Andy Burnham described the current system as "unfair". He's now ruled out scrapping it, at least in the near term, so the priority is making sure you're not paying more than you should under the current system - 100,000s are, and some could save £100s or even £1,000s a year. There are three main areas, so check if you're eligible for each... Is your property in the wrong Council Tax band? The Council tax banding system is, at best, inconsistent. What you pay depends on which valuation band (from A to H) you're in, yet these bands are based on stopgap '2nd gear valuations' (often estate agents just driving past homes to classify them) done back in England & Scotland back in 1991. Martin first developed our Council Tax check & challenge system in 2007 and we've refined and improved it since then - over the years we've had 10,000s of successes, meaning people not only get their band lowered and pay less each year, they get a backdated refund too. As Tania emailed us: "Thank you for running such an informative website. I contested the Council Tax banding for my mum's house. After many years of trying, earlier this year they rebanded her property back to 1993 and today she got confirmation of a refund of £8,000 or so. Tears have been shed. If I hadn't kept checking your site for updates, it might never have happened."  Here's how to check if you might be owed... - Step 1. Compare your band with similar homes nearby. You can do it free online - see the neighbours check.  - Step 2. Estimate your home's value in 1991. See the valuation check, including our free tool to help. - Step 3. Only challenge if BOTH checks show your band may be too high. Just one check leaves a risk that it could be your neighbours are in too low a band - and theirs is upped. Follow our detailed how to challenge your band help. For those in England & Wales, this crucially includes getting your free Property Attribute Data (PAD) from the Valuation Office. Do you qualify for £100s of discounts? Countless people miss out on Council Tax discounts as they're not aware what's available or who qualifies. Our Council Tax discounts guide has full details, but the main ones are: - Live alone, or only with under-18s or full-time students? You may be due a 25% discount. - Student-only household? If you're all in full-time education, there's no Council Tax to pay. - Have a live-in carer? See if you could cut your bill by 50%. - On Universal Credit, Pension Credit or got a lower income? Some can get reductions of up to 100%. - Terminally ill. Only around 30 councils offer this, but you could get an exemption from paying Council Tax. - Adapted property for a disability? You could drop a Council Tax band. - Have or live with someone with a Severe Mental Impairment? Eg, Alzheimer's, severe Parkinson's or a stroke. If so, and you're eligible for benefits (eg, Personal Independence Payment, Attendance Allowance), you may be due a discount. Moved home since 1993? You might be owed £100+. Many people pay Council Tax in advance, so if you move to another council area part way through the year, you could be in credit - and entitled to that money back. See how to claim in our Council Tax overpayments guide.

 

A mini-mini bye-bye, for now, from me (Martin). For the next few weeks, I'm taking a wee summer sabbatical to focus on family, fitness and poor golf, so I can recharge my and my laptop's batteries for a big autumn & winter coming. While I'm off, the site, this email and the next few, will be in the very capable hands of the MSE team. Ends 11.59pm TONIGHT. 5% easy-access savings (with an easy £25). Until midnight, newbies opening the free current account at app-only bank Revolut* (no need to switch) can earn a top 5% on up to £25,000 on its linked saver, (though only for 5mths till 4 Dec). Plus via this link, you can get £25 cashback when spending £20 on the debit card in the first month. Other easy-access savings options: Santander's Cahoot 5% on up to £3,000, this time for 12mths. Or Tembo pays 4.55%* on up to £20k, including a 1.55% 12mth fixed bonus (only paid if you keep the account for the full year). If saving more, a different account from Cahoot pays 4.52% on up to £500k, though again it only lasts 12mths. Or if you need an ISA, Trading 212's cash ISA 4.51%* including a 0.91% 12mth bonus. See full info in Top savings. Martin Video: Why you should check section 4b on your driving licence. See Martin's 60-second driving licence need-to-know. Plus, you can also subscribe to Martin's YouTube for more. The Biggest Stoozer: meet the MoneySavers who've made £1,000s manipulating 0% credit cards. Plus, if you're debt-free and financially disciplined, here's how you can give stoozing a go. £150 Shark Freestyle Max cordless vacuum for £85 with code. MSE Blagged. 5,500 available. Shark Ends Thu. 150Mb Sky full fibre broadband '£17/mth'. Switchers can get this 150Mb Sky broadband & digital line deal for £23/mth. You'll then be emailed your choice of a £140 prepaid Mastercard or shopping voucher within 4mths of your first bill (do check your junk folder if not received). Factor that in as a discount and it's equivalent to £17.17/mth over the 2yr contract. Sky tends to increase prices each April - if it does, you can leave penalty-free - so in reality it's likely to cost a quid or two more each month. Want other options? Use our full broadband comparison. Martin Video: Powerful consumer voodoo – it's called Section 75. See Martin's 90-second consumer self-defence lesson and read more in our Section 75 guide & template letters. It's back. 'Free' brownie, doughnut, pizza & more Lidl bakery items. Excludes N. Ireland. Have a Lidl treat 'I'm stunned - I found a £19,000 pension thanks to your tracing tips.' Success of the week. After uncovering a sizeable pension he didn't know existed, Bernie emailed: "I found a piece of paper stating I'd paid £303 to a pension in 1989 for about a year. I traced it using your tips via the Government's website thinking I'd get the cash back, plus a small amount on top. Turns out I have over £19,000 - and if I leave it for two years until I'm 60, it will be worth over £20,000 and a bonus may be paid. 🤩 I'm stunned, thanks for the info." If we've helped you save or reclaim (on anything), please tell us about it. Is your old compact digital camera worth £100s? Thanks to TikTok-ers' love of 'digicams', prices for throwback cameras have shot up – many bog-standard models go for £50-£300, the most sought-after £900. How much is yours worth? Teacher? Get 30% off Disney+, 20% off Wagamama, 10% off Pret & more. School's out, savings in.

 

 

BLAGGED FOR MSE - £150 Shark vacuum for £85 with code 5,500 available - £98 case of wine & craft beers for £45 3,000 available - 100 days' free access to 5,000+ digital magazines Ends 4 Sept	DID YOU MISS? - High Court backs car makers on diesel emissions - what next? - Civil Service Pension scandal - 1,000s still waiting for payments - Warning. Saving for kids? Don't make this mistake - £2 fares, kids go free and more bus travel savers - Get an extra £30 cashback when you spend £5+ online

 

 

Three steps to slash your mobile costs... Cheapest Sim we've EVER seen - get 1GB monthly data, unlimited calls and texts for just '59p/mth'! "Thanks MSE - we've saved £400/yr by switching Sim" Mobile prices are a tale of two markets right now. If you're willing to switch, Sim-only deals are at rock-bottom prices, with competition pushing costs ever lower. Yet millions aren't benefiting. Around 14 million people are out of contract, meaning they're free to move, but many remain on older deals and keep paying far more than they need to. If that's you, this week's a good one to get on our Cheap Sim Finder tool and slash your costs. Let's run through it... Step 1: Can you switch & save? Check by dialling just five digits. Just text 'INFO' for free to 85075 (some providers will ask for your date of birth to help confirm your identity). The service will then tell you if there are any early termination/cancellation charges - if there aren't, you're free to move. It won't work for some on 'multiple phone' contracts, in which case if you've been with the same provider for more than two years, you're likely out of contract, though do check. As Helen emailed: "My daughter and I were paying £17.57/mth each with O2 but we're now paying £2/mth with Sky for the same package as before. I pay £2/mth for mine and they threw a second Sim in for my daughter for free. The best bit is that Sky mobile piggybacks off the O2 network. Totally saving £398/yr." Step 2: Switch to the best new Sim to save. There are actually only four mobile network operators (MNOs) in the UK - EE, O2, Three and Vodafone. All others are mobile virtual network operators (MVNOs), which piggyback on their signals and tend to be a lot cheaper. Our Cheap Sim Finder lets you filter for deals using your current network's signal if you choose. Here's an example of what's available right now on each network's signal using piggybacking. Cheapest Sim-only deal examples Use our Data Calc if you're unsure how much you use Sky on O2's signal 2.7 / 5 ("OK") customer service - 1GB at average '59p/mth' over 1yr contract (£1/mth plus a £5 Sainsbury's, M&S, John Lewis, Uber Eats, Deliveroo or Just Eat voucher within 4mths). It's the cheapest Sim deal we've ever seen. Cheapest deal on the main network: O2, 10GB at '£7.84/mth.' Lebara on Vodafone's signal 4.3 / 5 ("good") customer service - 35GB at average '£2.79/mth' over 1yr (8mths at £2.61/mth, then £6.90/mth, plus £15 Amazon or shopping voucher), but 1mth rolling contract. - 100GB at average '£7/mth' over 1yr (9mths at £6.47/mth, then £11.90/mth), plus £10 Amazon or shopping voucher), but 1mth rolling contract. Cheapest similar deal on the main network: Vodafone, 16GB at '£6.80/mth.' iD Mobile on Three's signal  3.2 / 5 ("OK") customer service - 63GB at average '£3/mth' over 1yr contract (3mths at £4.50/mth, then £9/mth, plus £58.50 Amazon or shopping voucher). - 120GB at average '£4.13/mth' over 1yr contract (3mths at £2.50/mth, then £10/mth, plus £48 Amazon or shopping voucher). Cheapest similar deal on the main network: Three, 60GB at '£8.80/mth.' Spusu on EE's signal 4.4/ 5 ("good") customer service - 5GB at a straight £4.50/mth: 1mth rolling contract. Cheapest similar deal on the main network: EE, 3GB at £12/mth. Step 3: To keep your number when switching, text 'PAC' for free to 65075. You'll then get a code to give your new provider, which will transfer your number - usually within one working day. (Do note: some providers will ask for your date of birth to confirm your identity, and this won't work if you're on a contract with more than one phone.) In fact, sometimes when you do this, they fight to try to keep you by offering a much better deal. You could shortcut the process and try this first to see if they do (if you'd really rather stick with your current provider). For more help, see our Mobile phone haggling guide.

 

5% off a tank of petrol or diesel when you spend at Tesco. See Tesco 5% off fuel New MSE rolling news - get 'The Latest' in app. We've added a continually-refreshed stream of the latest MoneySaving news and site updates. Download the MSE app for free (obvs) via Apple | Google Play.  M&S 'up to 50% off' sale. Includes Monsoon, White Stuff & more, plus own-brand items. See our M&S sale analysis. £150 cashback on 4.7% 2yr savings fix (if saving £15k+). Online savings platforms let you move money easily between different banks after filling in one form. Newbies to one of them, Raisin, can use code SUMMER150 to get £150 cashback if saving £15,000+ in a fix lasting 2yrs+ with any bank on its platform. Rates change regularly, but its current top 2yr fix is 4.7%*. That's beatable with normal savings, but if you factor in the cashback, on £15,000 over two years, it adds the equivalent of almost 0.5 percentage points. Full info in Online savings platforms. Saving less than £15k? See Top savings. Case of six wines & six craft beers £45 delivered (normally £98). MSE Blagged. Includes three bottles of red and three bottles of white. 3,000 sets available. One-off box, no sign-ups or subscriptions. Via Wine52. Pls be Drinkaware. 100 days' free access to 5,000+ digital mags & newspapers, eg, Gardeners' World, Vogue, Good Food. MSE Blagged. For Readly newbies & those who cancelled over six months ago - ideal for summer travels. Mag-nificent

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Top definite 0% card + £25: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.09% fee, 24.9% rep APR No-fee 0%: Virgin (check eligibility) 12mths 0%, 24.9% rep APR Best bank accounts Free £220: HSBC Free £200: Barclays Broadband top picks Fast fibre (100Mb+): Sky '£17.17/mth'  Superfast fibre (500Mb+): Vodafone '£22.71/mth'  Ultrafast fibre (900Mb+): Sky '£23.80/mth' On Universal Credit or similar? Check all discounted social tariffs Insurance Car: Use our Compare+ Car Insurance tool Home: Use our Compare+ Home Insurance tool New. Travel: Use our Compare+ Travel Insurance tool Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: M&S Bank (check eligibility), 5.9% rep APR Top savings accounts Top easy-access savings: Cahoot 5% up to £3k, min £1 Top easy-access ISA: Trading 212 4.51%, min £1 Top one-year fix: Habib Bank Zurich 4.91%, min £5k Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Sky, '59p/mth' for 1GB  4GB to 9GB data: Lebara, '£2.37/mth' for 5GB  10GB to 30GB data: Lebara, '£2.41/mth' for 10GB  31GB+ data: iD Mobile, '£2.75/mth' for 36GB

 

 

MSE NEWS - Top story: TalkTalk broadband customer? It's moving 120,000 users to Rise Fibre - Government-backed NS&I's new fixed-rate savings now pay up to 4.75% interest - Base rate held AGAIN at 3.75% - what it means for you

 

 

MONEY MORAL DILEMMA Should we top up one of our kid's JISAs if they're not worth the same when they mature? My wife and I set up junior stocks & shares ISAs for our two children when they each turned one. We pay the same amount into both and invest in the same funds, as we want to treat them equally. Yet as there are four years between them, the investments will be subject to different market conditions - so one account could be worth much more by the time they each turn 18. If that happens, should we make up the difference so both children end up with the same amount? Enter the Money Moral Maze: Should we top up our kids' JISAs? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MSE TEAM BLOG - MSE Forum highlights: white chocolate, crochet baskets & clean cupboards

 

 

 

Important. Please read how MoneySavingExpert.com works We 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 Lewis What is MoneySavingExpert.com? Founded in February 2003, it is now the UK's biggest consumer help website, with around 9.5 million users and 45 million page views a month, and about 9 million receiving this email. In September 2012 it became part of the MoneySupermarket Group PLC. Its focus is simple - saving cash and fighting for financial justice on anything and everything. The site has over 80 full-time staff, more than a third of whom are editorial - researching, analysing and writing to continually find ways to save money. More info: See About MSE. Who is Martin Lewis? Martin Lewis CBE is the founder and executive chair of MSE, as well as the founder of the MMHPI charity. He's an ultra-focused MoneySaving journalist and consumer campaigner with his own prime-time ITV programme The Martin Lewis Money Show, Radio 5 Live Wednesday show Ask Martin Lewis and weekly slot on This Morning, among others. More info: See Martin Lewis' biography. 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 revolut.com, tembomoney.com, saga.co.uk, trading212.com, raisin.com Financial Conduct Authority (FCA) Note MONY Group Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA FRN: 303190). MoneySavingExpert.com Ltd is a company registered in England and Wales. Company Registration Number: 8021764. Registered office: One Dean Street, London, W1D 3RB. MoneySavingExpert.com Limited is an appointed representative of MONY Group Financial Limited. To change your email or stop receiving the weekly tips (unsubscribe): Go to:www.moneysavingexpert.com/unsubscribe.