Free £200 in time for Xmas, 4.56% savings, Martin's 'Should I overpay my mortgage?' help, Amazon Prime sale, 15GB Sim '£4.62/month', 2nd benefits cost of living payment

With costs rising and Christmas coming, the thought of festivities may lead to furrowed brows. One bit of relief is that six banks are currently willing to pay you legal bribes to switch to them, including the biggest upfront cash we've seen for years. So unless your current bank makes you smile, why not ditch, switch and earn? Full info in Best bank accounts but let's run through it here.

To bag the free cash you usually need to pass a not-too-harsh credit check and then use the bank's seven working-day switching service. This auto-moves your balance, standing orders and direct debits for you. Plus it'll close your old account, and ensures any payments to it are auto-forwarded. Most say the process is easy & hassle-free to do.

FREE BANK SWITCH BONUSES Full eligibility info & options in Best bank accounts
Account & criteria	Key info	Payout? (1)
New. Nationwide FlexDirect* - Min pay-in: £1,000/mth - equiv £12,000 salary (2) - Service rating: 71% 'great'	Top for upfront cash: FREE £200, plus newbies get 5% interest on up to £1,500 for a year. That interest's worth around £75. Many also get a year's 0% overdraft, credit score depending. And with its strong customer service rating, this is our overall top pick. You'll need to switch 2+ direct debits across, though. See full Nationwide eligibility info & review.	Early Nov
First Direct 1st Account* - Min pay-in: A one-off £1,000 - Service rating: 88% 'great'	Top service: FREE £175, plus decent 0% overdraft for many. First Direct has been top or near-top of every customer service poll we've ever run. It also gives many an ongoing £250 0% overdraft and a linked 3.5% saver you can put up to £300/mth in. Strong competition for Nationwide. See full First Direct eligibility info & review.	Mid Nov
NatWest Reward* & RBS Reward* - Min pay-in: £1,250/mth - equiv £16,250 salary (2) - Service rating: 51% 'great' (NatWest) / 39% 'great' (RBS)	Top ongoing cashback: FREE £175, plus £36/yr cashback. With these sister banks, to get £3/mth cashback (you actually get £5/mth but pay a £2/mth fee) you must log in to the mobile app and pay out 2+ direct debits of £2+ each month. Both come with a linked 5.12% saver you can put up to £150/mth in. See full NatWest/RBS eligibility info & review.	Early-mid Jan, so NOT in time for Christmas
Club Lloyds - Min pay-in: £1,500/mth - equiv £20,700 salary (2) - Service rating: 47% 'great'	Top for perks: FREE £150, plus selected rewards. Each year you can choose to receive six free cinema tickets OR 12 digital movie rentals, OR an annual Gourmet Society membership OR magazine subscription. See full Lloyds eligibility info & review.	Mid Oct
New. TSB Spend & Save* - Min pay-in: None for £125, £500/mth for extra £55 - Service rating: 28% 'great'	FREE £125 to switch via our link, and fiddlier extra £55 after 9 mths and £5/mth cashback for 6 mths. The £125 is easy-ish, the extra cash is fiddly. For the £55 you must, every month till June 2023, pay in £500+, have 2+ direct debits and make 5+ debit card transactions. To get the £5/mth cashback, you must make 30+ debit card payments a month. You also need to switch/set up 2+ direct debits. See full TSB eligibility info & review.	Mid Dec (£125)
(1) Our estimate including the time taken for the switch to complete. (2) With the set monthly amount, you can withdraw it straight after paying it in. It's banks' way of trying to get you to pay in your income (so we put the equivalent pre-tax income). Earn less? The way round is, for example, with a min £1,000 pay-in and you taking home £950/mth, withdraw £50 after pay day and pay it back in the next day.

Existing customers may be able to grab some of these. Even if you already have an existing account at the bank, if you're switching in an account from another banking group, with all barring First Direct, there are ways to qualify for the bonus.
Some have switched MULTIPLE times making £1,000s. 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, you can open a second 'burner' account that's just used for switching. Full details in our new Make £100s switching banks guide which includes the impact on your credit history.

Couple any of the accounts above with the app-only, no-need-to-switch or pass a hard-credit-check to get it Chase current account*, and you'll get a year's 1% cashback on all normal daily debit card spending (it generally excludes bills, investments and major purchases such as cars).

So use the other accounts to pay your salary in and pay bills from, then fund Chase and spend on that (not TSB as there's the five debit card transactions per month requirement). Then, with, say, £1,000 of family spending a month, you'd earn another £120/year.

Better yet, its debit card is top for spending abroad and you get a once table-topping 1.5% interest on up to £250,000 saved in a linked savings account, though see below for other accounts that beat it.

Overdrafts are a big danger debt, with the vast majority of banks now charging a typical 40% - dwarfing the rates of most credit cards. But 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.

Some options are below, but full info's in top overdraft accounts.

Owe less than £425? Get paid to switch to a 0% overdraft. First Direct* offers new switchers £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 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 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: Nationwide.
Do a 0% money transfer. You can use these specialist cards to clear your overdraft. After applying, ask it to pay money into your bank account, so you owe it instead - at 0% for up to 18 months. Be careful though. Our Money transfers guide takes you through it, including top deals.

It's not just about making it cheaper though - we've some quick overdraft tips that can help, and far more in our Cut overdraft costs guide...

- 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.
- Consider moving direct debits to just before payday. The idea is you're overdrawn for less time, so costs are lower.
- Got savings? Use 'em to clear it. See Repay debt with savings?
- Can you reclaim past bank charges? See bank charge reclaiming.
- 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.

Martin: The 'SHOULD I OVERPAY MY MORTGAGE?' question
Mortgage rates are rocketing. Millions can save £10,000s overpaying, others should save instead. Which are you?
New. Boosted mortgage overpayment calculator

The mortgage market turmoil continues. A year ago you could fix at just under 1%, now the cheapest mainstream deals are 2yrs: 4.82% | 5yrs: 4.48% | 10yrs: 4.09% (full info in our mortgage comparison). That 3%pt-ish rise in mortgage rates equates to around £150/mth more (£1,800/yr) per £100,000 of mortgage debt. To ensure your rates are as low as possible see our mortgage turmoil help from last week.

Today though, I want to focus on a specific issue many are asking me about. Should those still with savings use them to reduce their mortgage debt? For some, yes, but like a troop of baboons, there are plenty of big buts...

KEY RULE: Only overpay if your mortgage rate is higher than the rate you'd earn saving. After all, as a simple example, £10,000 in savings at 2% earns £200 for the year, yet use it to overpay a 3% mortgage and it reduces costs by £300 for the year. Effectively overpaying is tax-free 'saving' at the mortgage rate, so if the rate's higher than savings (after tax) it wins.

- Recent mortgages: Rates are high, so it's here the benefit of overpaying is most likely.
- Older fixes: Your rate is likely still cheap, possibly below 2%, while the top savings rates are 2.5% easy-access or 4.2% for a year's fix. So, saving is likely to win. If so, put the money away UNTIL your mortgage fix ends (timing fixed savings to end then too is useful) and at that point, consider using it towards reducing your new likely-much-higher-rate mortgage.
New. Boosted mortgage overpayment calculator: £100/mth overpaid can save £20,000+ interest. Overpaying isn't just a short-term gain, it reduces what you owe, so less interest compounds. The benefit can be huge.

For example, our Mortgage overpayment calculator shows on a £150,000 mortgage at 5% (25yr term), overpay £100 monthly and you'd reduce interest by £23,000 and repay 4yrs & 6 months earlier. And we've just added a new function to the calculator, so you can compare the return on overpaying, versus saving.

The gain isn't just theoretical - Pauline tweeted me a while back: "@MartinSLewis I overpaid my mortgage each month and saved 10 years in payments and £30k in interest. Thank you for your advice."
If it looks like you should overpay... three checks. Even if the maths looks a winner...
1) Do you have other more expensive debts (eg, credit cards)? If so, prioritise clearing them, see overpay my debt?
2) Are there any overpayment penalties? Many lenders let you overpay 10% of your mortgage balance each year, but add penalties above that, which usually kiboshes any gains. See overpay without penalty?
3) Ensure you've an emergency fund. My rule of thumb is have three to six months' bills money saved, and only overpay any savings above that. Don't assume just because you've overpaid, if you were unable to cover the mortgage a few months, they'd say it's fine - you'd likely be in arrears.
Reducing your mortgage size can get you a better deal. Overpaying might mean you drop a loan-to-value band when you next remortgage - as it reduces the proportion of your home's current value you're borrowing.

The main bands where interest rates really drop are at 90%, 80%, 75% and 60%. So, if you overpay enough to drop to a lower band, it can be a big winner. Equally, if saving wins for you, save at top rates until it's time to remortgage then use those savings (leaving an emergency fund) to reduce what you borrow.
To gain from overpaying, ensure your lender reduces the term not your repayments. Ask your lender to ensure each overpayment reduces your mortgage term. Some instead just lower your future repayments, and keep you paying over the same period, so there's no interest gain. Don't just shorten your mortgage term though, as that locks you in to higher future repayments - see my old Overpaying vs shortening term blog for more.

PS: Overpaying and saving are ways to use your money with no capital (initial cash) at risk. The other choice is investing, where you hope for better rates, and are prepared to risk capital to get them. There's nowt wrong with investing (especially over longer terms), I just don't cover it, and it's tough to know what'll win without the benefit of hindsight.

The 2nd benefits cost of living payment to be paid from 8 Nov - who gets it, when & how. Full info on the new £324 payment. Related: £150 disability payment, pensioners' extra £300 payment, £400 energy bill discount for all.

10-year mortgage fixes now cheaper than 2 years, so should you do it? See cheap 10-year fixes?

New. 15GB data Sim just '£4.62/month' - cheapest we've ever seen. Newbies to Lycamobile (uses O2's network) can get a 15GB/month Sim with unlimited mins & texts at £2.25/month for six months, then £6.99/month, so an average £4.62/month over a year. Yet it's a one-month contract so you can cancel anytime (note Lycamobile doesn't yet support 5G on iPhones). Do a full comparison using our Cheap Mobile Finder.

Amazon 'Prime Early Access Sale' starts next week - we get a crystal ball out, for example, 50% off Alexa? This year Amazon's launching a new Prime event before Black Friday, and we'll be doing our usual analysis to help you spot the deals and the duds. See Prime sale predictions.

Tesco toy sale: Up to 50% off including Barbie, Lego & Paw Patrol. The big pre-Christmas toy sale is one many MoneySavers wait for. See full Tesco toy sale analysis.

New. FIBRE (38Mb) broadband & line rental just '£12.49/month'. Newbies to Shell Energy pay £4.95 upfront, then £21.99/month, but get an automatic £65.97 bill credit within two weeks (so three months free). AND you can claim (don't forget) a £110 Amazon voucher within four months - so if you'd spend there anyway, factor all that in and it's equivalent to £12.49/month over the 18-month contract. Even better: Speedily compare all broadband deals.

Annual railcards 1/3 off codes... pay £20, not the usual £30. These digital cards usually get you a third off travel and include: 16-25 | 26-30 | Family & Friends (1 to 4 adults 1/3 off if with 1 to 4 kids, who get 60% off) | Two Together (any named pair) | Senior. Works on 3-year railcards too. See railcard codes.

BLAGGED FOR MSE

- Tails.com 90% off dog food code Ends Wed 30 Nov

DID YOU MISS?

- Free £23 baby bundle when you spend £20 at Amazon
- Stamp Duty Calculator - how much will you pay now?
- Earn £30 Amazon voucher by doing quick online surveys
- Real living wage increased by more than 10%
- Martin's mini-budget video explainer

New. Top fixed savings now pay 4.56% - the highest rate since 2009, with easy access up to 2.5%

Check if your bank has passed on rate rises - many haven't. If not, ditch & switch

The UK base rate is up, and after recent turmoil, market interest rates are up even more. Both should push savings rates higher, and have for some top accounts. But millions have cash in accounts that pass on little or none of the rise. So vigilance pays - check your savings now. EARN UNDER 2%? Leave if you can, as even bog-standard easy-access rates pay more.

Of course, with inflation still sky-high at just under 10%, in real terms, your money is shrinking. However, that's not an excuse for inaction - there are big differentials out there, and the more you earn, the more you mitigate the loss.

Fixed rates are out-powering easy-access right now. Fixed savings - much like mortgage fixes - go up with long-term City interest-rate predictions, which have rocketed in recent weeks, while easy-access accounts tend to follow the base rate more. Therefore, right now fixes look good value.

Warning: Rates and top payers can change by the hour, so all links go via our savings guide, which we update as quickly as we can.

Today's top savings rates All accounts have the full UK £85,000 savings safety guarantee
Account term	SAVINGS (see all top savings)	CASH ISAs (see all top ISAs) For the few who pay savings tax (see below)
Easy access (withdraw & deposit at will)	- Yorkshire BS 2.5% AER (only on up to £5,000). Pays 2% AER above and limited to just 2 withdrawals a year. - RCI Bank 2% AER (min £100 deposit). Unlimited withdrawals. - Barclays 5.12% AER (on up to £5,000) BUT only for its Blue Rewards account customers.	- Penrith BS 2.75% AER (min £100 deposit) but NOT online (only via post/branch). - Paragon Bank 1.9% AER (min £1). Limits you to 3 withdrawals a year. - Tesco Bank 1.86% AER (min £1). Unlimited withdrawals.
1-year fix (money locked away unless cash ISA)	- Secure Trust Bank 4.2% AER (min £1,000). - Investec 4.15% AER (min £5,000).	- Secure Trust Bank 3.65% AER (min £1,000). Withdrawals allowed, but with 90 days' interest penalty.
2-year fix (money locked away unless cash ISA)	- SmartSave 4.56% AER (min £10,000). - Secure Trust Bank 4.55% AER (min £1,000).	- Virgin Money 4.12% AER (min £1). Withdrawals allowed, but with 90 days' interest penalty.

There are longer fixes but there's little premium (max rate 4.61%) for going longer - see long fixed savings.

Is it worth fixing savings now if UK rates may rise further? That's incredibly difficult to answer, as things are so uncertain - so we'll do our best, but can't promise to be right...

For those who can lock cash away, as one-year fixes out-pay easy-access by nearly 2 percentage points, you'd need rapid and large UK base rate rises for easy-access to win over that period. It's possible, but uncertain, while the instant gain of fixing is certain.

Of course, it could be that if you waited until after the next Bank of England base rate decision on 3 Nov, you may be able to fix at much higher rates. Yet some of the predicted interest rate rises are likely already factored in to current fixed rates, and while there's room for them to rise further, we don't know by how much. So overall, our best guess is that fixes look decent, but we wouldn't lock in for too many years in a rising, uncertain market.
Cash ISAs should only be for those who pay savings tax. Most don't... though more do than before. The personal savings allowance (PSA) allows basic-rate taxpayers to earn £1,000/year of savings interest tax-free (higher-rate taxpayers £500/year). So at today's top easy-access rate, a basic-rate payer would need just over £50,000 of savings to generate that, but just £23,800 in the top one-year fix.

If you've far less, just go for normal savings as the interest is normally far higher. But if you're close or over those limits, and you're likely to earn interest over the PSA, cash ISAs come into their own, as the interest is always tax-free and doesn't count for the limit. See how to compare savings rates with cash ISA rates if you pay tax.
Can you boost interest further? Some specialised options in our Savings section pay even more:

- 50% bonus for many on universal credit or tax credits. See Help to Save.
- 25% bonus for first-time buyers aged 18 to 39. See Top Lifetime ISAs.
- Earn up to 5% on smaller amounts if you save monthly. See Regular savings.
- Earn 5% on smaller savings. See Current account savings.
- Are Premium Bonds worth it now the prize rate is up? See Premium Bonds.
- Prefer to invest? Higher returns, but more risk. See Stocks & shares ISAs.

Ends Sun. 5p/litre off fuel at Morrisons with £40+ in-store spend. See 5p off fuel.

Updated. Find your NEW take-home pay after mini-budget changes. We've updated our Income Tax & National Insurance Calculator to take account of all the in, out, shake-it-all-about national insurance and tax cuts, and have updated it again after the Government scrapped plans to abolish the 45% additional rate tax band.

FREE audience tickets to The Martin Lewis Money Show... oh and The Masked Singer and The Graham Norton Show. Obviously there's a clear highlight in those three, but just to let you know you can register online to be in the audience for popular TV shows. Free audience tickets

Get £15+ cashback on £50 supermarket spend. Ends Fri. For newbies to cashback site Topcashback, though existing users can get £5+ off. Full explanation in supermarket cashback analysis.

'Thank you - after your talks with energy firms, I've saved over £1,000.' This week's success of the week comes from Mavis who's benefited from Martin's request for energy suppliers to allow fixed customers to move on to the new price guarantee penalty-free. She said: "We locked in to a two-year fix at the end of August, which would have cost £3,600 a year. After your talks with suppliers, we waited to see what would happen. We've now been told we will be transferred to the price-capped tariff without any penalty. New annual cost: £2,300. Thank you." Send us your MoneySaving successes.

90% off one month's 'tailored' dog food (so £25 worth for just £2.50). MSE Blagged. Plus 30% off the second month. Add info about your dog and the company creates a recipe especially for your four-legged friend. Newbies only. Tails dog food

£35 Tower air fryer at Iceland (normally £60). If you're after the popular kitchen appliance, this is a cheaper version (some brands are £200+). It has decent reviews and is available from Saturday. Tower air fryers

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AT A GLANCE BEST BUYS

Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR)
No-fee 0%: Sainsbury's Bank (check eligibility / apply*) - up to 22 months 0%, no or 1% fee or NatWest - 22 months 0% if you're a NatWest/RBS customer (both 21.9% rep APR)

New. £200 to switch + 5% interest: Nationwide
£175 to switch + TOP service: First Direct

Top easy-access: Yorkshire BS up to 2.5%, min £1
Top one-year fix: Secure Trust Bank 4.2%, min £1,000

Try our new MSE Car Insurance Compare+ tool

Cheapest for £5,000 to £7,499: Sainsbury's Bank (apply), 3.9% rep APR
Cheapest for £7,500 to £15,000: Santander (apply) or MBNA (apply), both 3.4% rep APR

Fibre (30Mb+): Shell Energy '£12.49/month'
Superfast fibre (55Mb+): Shell Energy '£14.16/month'

On universal credit or similar? Check discounted social tariffs

Up to 3GB data: Lebara, '£3.45/month' for 3GB
4GB to 9GB data: Lebara, '£3.80/month' for 5GB
10GB+ data: Lycamobile, '£4.62/month' for 15GB

THIS WEEK'S POLL

Have you turned on your heating yet? Energy bills have soared but it's beginning to get much colder, so we want to know if you've turned on your heating yet or whether you've decided to hold out for a little longer because of spiralling costs. Take part in this week's poll.

Almost half of MoneySavers spend 30% or less of their income on housing. Last week, we asked what proportion of your monthly take-home pay you spend on accommodation and nearly 8,000 people responded. Excluding those who spend nothing, just under half said they spend 30% or less of their income on housing. The results are almost exactly the same as when we ran this poll six months ago. See full housing poll results.

MSE NEWS

- Top story: 60,000 people caught out by tax rebate firm Tax Credits Ltd to get their money back
- Train or Tube journey affected by October strikes? Your refund rights
- Water companies forced to cut customer bills from April 2023
- Sky launches new service that allows you to watch without a satellite dish
- Millions of households on benefits could save £100s on broadband bills

MONEY MORAL DILEMMA

Our neighbour is selling clothes we've given them - should we say something? My partner and I gave our neighbour some clothes that no longer fit us, as well as some expensive designer underwear that had never been worn. To our horror, they're now advertising what we've given them for sale online. Should we say something about them taking advantage of our generosity and risk a good friendship, or keep quiet? Enter the Money Moral Maze: Our neighbour's selling on clothes we gave them | Suggest a Money Moral Dilemma

MSE TEAM BLOG

- Creepers, cushions & candlelight - last week's MSE Forum highlights

MARTIN'S APPEARANCES (WED 5 OCT ONWARDS)

Mon 10 Oct - Guest-presenting Good Morning Britain, ITV, from 6am, including Martin's Money Monday

MSE TEAM APPEARANCES (SUBJECT TBC)

Tue 11 Oct - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

CANDLES, COINS & CHOCOLATE... WHAT HAVE YOU 'WOMBLED' FOR FREE?

That's all for this week, but before we go... MSE Forumites have been sharing their 'wombling' successes. If you've ever picked up coins from the street, for example, or rehomed furniture when the neighbours were having a clear-out, you're a womble. Forumites have recently rescued a discarded scooter, a large unused candle, a working slow cooker and a bag full of unopened chocolate bars. It's not been a good year for coin collecting, though, with one Forumite picking up just £3.11, compared with £16 last year. Share your own in the Wombling successes MSE Forum discussion.

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

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