Martin’s urgent energy warning, free £5 wrap, cash ISA rate rise, free £210 from top-service bank, pensioner check-up

Plus... £20 off Asda, £5 for £50 skin set, £2,000 'cashback rip-off' refund, £5 Pizza Express

                                                           

14 April 2026 | View in browser

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THE TOP TIPS IN THIS EMAIL Martin's urgent energy warning: - Unsure if you're on the Cap? - The cheapest deals right now - Price Cap predicted to rise sharply - I'm already on a fix - what do I do? New. FREE £210 from top-service bank State pensioner check-up Cash ISA rates rise - get up to 4.62% £20 off Asda, £10 off Morrisons & more £2,000 'cashback rip-off' refund FREE £5 breakfast roll or wrap £5 for £50 skin & fragrance set Don't just accept car insurance renewal Pizza Express £5 pizza or pasta Don't pay to reclaim car finance - free DIY tools Alton Towers, Legoland etc up to 50% off Achoo! 30 hay fever tablets 69p 20,000 students told to repay living loans Booking 10+ nights away? Get £100 credit Withdraw Tesco prepaid card cash NOW FREE Grand Designs Live tix (norm £14) This week's best buys: 14mth no-fee 0% debt shift, 5.6% loan & more Money Moral Dilemma: Should I accept delivery of a sofa I've been refunded for? BEST BUYS & TOOLS MSE Cheap Mobile Finder Credit Club including free credit report 0% balance transfers Compare broadband deals Top savings accounts Credit cards for bad credit Credit Card Eligibility Calculator Loans Eligibility Calculator Mortgage comparison Best Sim-only deals

Martin's likely urgent warning... Get off the energy Price Cap while you can! Don't ignore this... "The cost of fixing has dropped since the Middle East ceasefire announcement, but that may start to unravel, so the window of opportunity may close. Act NOW and you can lock in a fixed rate below the new lower April Price Cap, which MOST of you are on (even if you don't know it). "This is crucial if you want certainty your rate can't rise, as the Cap is predicted to jump 14% on 1 July.  "Whether you can get a fix, and at what price, depends on your region, use & payment method, so do a full market comparison asap. You're looking for one that saves you even a small amount over the current Cap, as far bigger savings will come from July.  "This includes an exclusive, market-cheaper EDF 15mth fix that's guaranteed to stick around till Wed." Now the detail... the wholesale cost of gas is a major factor in our electricity costs too, and it's risen up to 70% due to the Middle East conflict. Yet there was a slight reprieve last week, as the ceasefire led to a drop. Some firms bought (hedged) at that lower rate and started offering fixes over 6% cheaper than a week before, leaving them for the first time in weeks cheaper than the April Price Cap (see cheapest deals). Yesterday wholesale rates rose again, then today dropped back. Volatility is high. So this could be the last chance to lock in below the Price Cap, or equally fixes could get cheaper. Yet a bird in the hand etc... so as you can lock in cheaper than the Cap right now that's the safe option.  - Unsure if you're on the Cap? You probably are! - The cheapest deals right now - Specialist tariffs worth looking at - The Price Cap is predicted to rise sharply - I'm already on a fix, what do I do? 1. Unsure if you're on the Price Cap? You almost certainly are! A tale from Martin on this... "I spoke at Ideal Home at the weekend and asked for a show of hands from those on fixed energy tariffs, or other special rates they'd actively chosen. About a third of the hands went up. So I asked who is on a Price-Capped tariff, and very few hands moved. Yet, if you're in Eng, Wales, or Scot and aren't on a fix or special tariff, you are by definition on a tariff covered by the Price Cap, so all the rest of the hands should've gone up too." If you're on your firm's bog-standard, default, 'I've not chosen anything special' deal, it's a Price Cap tariff - meaning effectively the regulator Ofgem dictates the maximum Standing Charge and unit rate you pay. It's set for each region and moves every three months. Almost every firm prices at the max. The Price Cap isn't cheap. In general, you don't want to be on it. On one of these tariffs? You're on the Price Cap British Gas Standard Variable | EDF Standard (Variable) | E.on Next Next Flex | Octopus Flexible Octopus | Ovo Simpler Energy | Scottish Power Standard 2. The cheapest deals you can switch to... We compare prices to the current April Price Cap, the price of which is based on a world before the Middle East conflict started. Yet that will be factored in from 1 July, which is why it is strongly predicted to rise. Yet with fixes the rate you pay for energy is locked in (though the total amount you pay still depends on usage). PS: The market is volatile so prices can change, and new tariffs can come in, but the links are via our comparison which is always updated. Energy tariffs cheaper than current Price Cap All links via our comparison to give you a bespoke result, you can also see exact Standing Charges & unit rates in your region there FIXED TARIFFS: rates locked in so can't rise for duration of deal  Cheapest fix on average Ends 11.59pm Wed. EDF Exclusive Jul27v215mth fix - New & existing customers - Dual fuel (ie, gas & elec) or elec-only - Monthly Direct Debit / cash/cheque / smart prepay  Save avg 2.8% compared with today's Price Cap, incl £20 MSE dual-fuel cashback. Likely over 15% cheaper than July's predicted Cap. - £50/fuel early-exit fees. - No smart meter needed (unless on prepay) Fuse Energy April 2026 Fixed (13m) v11 13mth fix - New & existing customers - Dual fuel and single fuel - Monthly variable Direct Debit only Save avg 2.7% compared with today's Price Cap, incl £20 MSE dual-fuel cashback. - £100/fuel early-exit fees. - No smart meter needed E.on Next Fixed 13m v8 13mth fix - New & existing customers - Dual fuel or elec-only - Monthly Direct Debit only Save avg 2.6% compared with today's Price Cap, incl £20 MSE dual-fuel cashback. - £50/fuel early-exit fees. - No smart meter needed ELECTRICITY-ONLY FIXED TARIFF Outfox the Market Fix'd Elec Apr26 12m v7.0 13mth fix - New & existing customers - Elec only - Monthly Direct Debit only Save avg 10.5% compared with today's elec-only Price Cap - £75 early-exit fee. - No smart meter needed DISCOUNTED PRICE CAP TARIFFS: rates move in line with Cap Lower Standing Charges Good for lower users... EDF Simply Tracker Jun27 14mth tracker  British Gas Cap Tracker Jun27 v1 14mth tracker  - New & existing customers - Dual fuel or single fuel - Monthly Direct Debit / cash / cheque, and EDF also allows smart prepay Both track Price Cap but with £50 CHEAPER Standing Charges for a year plus cashback These are variable tariffs where the unit rates match the Price Cap (so when it rises, so will these) but the Standing Charges are £50 less a year (£25 per fuel). Plus you get £20 MSE dual-fuel cashback (not on prepay).  - £25/fuel early-exit fees. - No smart meter needed (except on prepay for EDF) Lower Unit Rates E.on Next Pledge Tracker 12m v10 12mth tracker Outfox the Price Cap Tracker 12m v1 12mth tracker - New & existing customers - Dual fuel (E.on elec-only too) - Monthly Direct Debit (E.on also allows cash/cheque) There are a few other discounted unit rate trackers (they're in the comparison), but these give the biggest discounts. Both track Price Cap but with CHEAPER unit rates for a year If you're sticking on the Cap, these are cheaper by definition, though the cost will rise when the Cap rises. The E.on deal is about a 6% discount on the unit rate currently, but you also get a boosted £40 dual-fuel MSE cashback (£20 elec-only). Outfox is about 8.6% cheaper unit rates but no cashback. E.on tends to win for low-to-mid users, Outfox for higher - the comparison will show which wins for you. - £25/fuel early-exit fees for E.on, £75/fuel for Outfox. - Both no smart meter needed Home Energy Fair Variable  - New & existing customers - Dual fuel and single fuel - Monthly Direct Debit or cash/cheque  It's a Price-Capped standard tariff but priced 8.7% below the Cap. While most Capped tariffs price at the maximum, this one doesn't so its a variable tariff below the Cap - yet there are no guarantees how much below. The price will likely rise in July. Yet there are no early exit fees, so if rates do rise, you can ditch and switch.  - No early-exit fees - No smart meter needed Q. If I wait, could it be cheaper to get a fix in a few weeks? Yes! It could be cheaper - or much more expensive. The rate you can fix at has dropped, but if the Middle East conflict properly ends soon, it's possible even cheaper fixes will be available. If not, this could be the only window to lock in at below the current Cap. It's unknowable. That's why the real message is to focus on how risk-averse you are: the less you can afford big hikes, the safer it is to fix now. Yet do factor in early-exit penalties - if they're not too big and prices did lower in future, that means you could pay to leave and still save.  Q. What is 'MSE cashback'? Some providers pay energy comparison sites to facilitate the switch (you still get the same price as going direct). Unlike other sites, we don't default to hiding tariffs that don't pay. Instead, we show them all, but when we get paid to switch you, we give you a chunk of this as cashback. That means tariffs where we're paid are relatively cheaper for you, so it's likely more people switch to them. Win-win. 3. Specialist tariffs worth considering too... While fixing is simplest, there are other deals worth considering for some. A few are tough to display via the traditional comparison site model (we're trying to work through how to do it in the future, as this becomes more common), so lets walk through the main ones... Got an EV? Consider a dedicated tariff. There are special electric vehicle (EV) tariffs. There are fixes that give cheaper rates for charging your car. Octopus rapid-change time-of-use tariffs. The big two are Octopus Agile (electricity price changes every half-hour) and its dual-fuel or single fuel Tracker tariff (price changes every day). Generally, these are for sophisticated users who monitor prices, and with Agile, who shift usage patterns to match. These tariffs are volatile by nature as they're based on wholesale rates for the day. Recently, Agile has had days where it's not much less than the Price Cap off-peak, with peak times far above it - yet there have been other days where you're paid to use energy! Tracker is hovering above and below the Cap depending on the day for electricity, but gas has been consistently above the Cap since the conflict began. These Octopus tariffs are only available for existing customers, though to get 'em, you could first try switching to the Octopus Flexible tariff then, once in, switch to one of these. Solar Panel tariffs. If you have solar panels, there are times you want to link these to your energy bills. See our switch solar panels tariffs guide for more. 4. The Price Cap is due to rise sharply on 1 July. The Cap changes every three months. The next starts 1 July and is based on mid-Feb to mid-May wholesale prices... and the Middle East conflict started at the end of Feb. Analysts currently predict it'll RISE around 14% (slightly better than it was looking). Even if things all reverted back to pre-crisis rates (unlikely), there will still almost certainly be a substantial rise in July as the assessment is an average of wholesale rates over three months - and we're two-thirds of the way through that. Once the Cap rises in July, it's not predicted to drop materially across the winter - though as that's further out, it's somewhat crystal-ball gazing. 5. 'I'm already on a fix, should I consider switching again?' The answer depends on how long there is left on your fix...  Fix not ending soon? Without a crystal ball, there's no right answer here. If you're on a cheap fix, you are sitting pretty for now, and would likely need to pay an early-exit penalty to leave, which adds to cost (though the bigger your usage, the smaller that is proportionately). So let's play out the two key scenarios...  - The conflict ends soon: By waiting it out, you'll likely be able to get a much cheaper fix than you can now when your fix ends. - The conflict drags on for many months and prices stay high: Your fix will end and there is a chance there will be no fixes cheaper than the Price Cap (which you'll move to if you do nowt). That Cap will almost certainly rise substantially in July, and then stay high in October.  If this feels a nightmare scenario, you could look at paying the early-exit penalty and refix now for longer - though you'll likely pay more to do so. On balance, that's probably not worth it, unless you're very worried about the affordability of rising prices. Fix ending soon? If you're in the last 49 days, the rules state you are free to switch without any early-exit penalties. Do a comparison and see what's available. It'll likely show your cheapest is more than you pay now - but the real key is to find one that is less than what you'll pay on the Price Cap when your current fix ends (you'll be able to see that), especially if that date is close. If so, and you're risk-averse (scared of big hikes), the safest thing to do is grab the cheapest fix now in case things get worse and they get even costlier, so you've no option but to go on the Price Cap. Yet be aware that if the conflict were to end soon, then you may've locked in at a higher price than you could've got by waiting.  If you are happy to ride it out and think things will be over soon, you could hold on until the last minute and see what fixes there are then. 6. Can you cut bills by cutting your use? Obviously, cutting use cuts bills, so we've some detailed guides that can help: 70+ ways to save energy includes a mix of hardcore savings and some thrifty crowd-sourced tips. From cutting your boiler flowrate to tactical curtains and more. Energy mythbusting covers less clear-cut issues, including the thorny question of 'better to keep the heating on low all day or just when needed?' Heat the human, not the home is aimed primarily at those who are really struggling (though thankfully the improving weather helps). 7. What to do if you're struggling to pay? It's always worth talking to your energy firm. Be polite and straight with it, and make sure you explain if you're vulnerable and ask to be put on the 'Priority Services Register'. There can be hardship & debt grants from energy suppliers. For far more guidance, see our full What to do if you're struggling to pay energy bills guide.

 

 

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.

 

 

 

New. FREE £210 to switch to the top bank for customer service, plus a 0% overdraft & 7% interest on regular saving Higher earners can get up to a free £500 for switching This week, two current accounts have boosted their bank-switching bonuses for newbies, one a top normal account, the other a top high-earners' account. And these two sit among a literal wealth of choice right now, with nine accounts paying switchers. Switching's usually quick & easy: The free cash is usually paid within 3mths. You need to use the bank's seven-working-day switch service (so roughly 10 days) which closes your old account and moves all your money, Direct Debits & standing orders for you. All payments to the old account are auto-forwarded. You'll need to pass a not-too-harsh credit check. Free cash for new switchers You usually need to switch 2+ Direct Debits. Full eligibility: Top bank accounts Top STANDARD FREE CASH DEALS for ALL-COMERS... Boosted. First Direct 1st Account* Min pay-in: You must have a total of £1,000 going in (can be in dribs & drabs) within 45 days. None needed after. Fee-free? Yes. Can joint accounts switch? Yes and get same bonus. Top bonus, top SERVICE (92% 'great') & more FREE '£210', 7% regular saver, 0% overdraft, top debit card overseas. The ongoing £175 free cash is this week boosted via our specific First Direct link*, which gives £35 to spend at most big supermarkets in-store/online (Tesco, Sainsbury's, Asda, Aldi, Morrisons, Waitrose, M&S, Iceland). Other perks include: - Service rated 92% 'great' - it's topped almost every poll we've ever done. - Linked 1yr 7% fixed regular saver you can put up to £300/mth in. - Most get an ongoing £250 interest-free overdraft (don't go over). - Top debit card for spending overseas with near-perfect exchange rates. See full First Direct eligibility & review. Barclays Bank Account* Min pay-in: You must have a total of £2,000 going in (can be in dribs & drabs) within 30 days. None needed after. Fee-free? Yes, though optional £5/mth for Blue Rewards. Can joint accounts switch? No. FREE £200 fuss-free, or optional half-price Apple TV+. Simply switch and, as long as you meet the initial monthly pay-in, you get £200. Alternatively, you can add Barclays Blue Rewards for £5/mth (must pay in £800+/mth into the account & register for digital banking) to get a year's free Apple TV+ subscription (normally £10/mth) including free Major League Soccer. See full Barclays eligibility & review. Club Lloyds Min pay-in: £2,000 EVERY month (equivalent to a £29,000/yr salary going in). Fee-free? Yes, though if you don't earn enough to meet the min pay-in, it's £5/mth (if so, avoid). Can joint accounts switch? Yes and get same bonus. FREE £200, 1yr Disney+, top debit card overseas. This account comes with a host of perks, as well as the free £200 for switching, though you effectively need to be earning £29,000/yr+ to get it. You also need to switch over three Direct Debits, not the usual two. Its main perks are: - A yearly perk, eg, choose Disney+ (with ads) OR six free cinema tickets. - Linked 1yr 6.25% fixed regular saver you can put up to £400/mth in. - A £100 0% overdraft buffer zone (don't go over). - Top debit card for spending overseas with near-perfect exchange rates. See full Lloyds eligibility & review.  Santander Edge* Min pay-in: A total of £1,500 within 60 days, then £500+/mth  Fee-free? No, £3/mth, but that gets you the cashback, which should easily outweigh the fee for most. Can joint accounts switch? Yes and get same bonus. Top (joint) BILLS account FREE £180, up to £10/mth cashback on bills, 6% easy-access savings, top debit card overseas. As well as the free £180, the big sell here is for a £3/mth fee you get cashback on bills paid from it by Direct Debit. For a typical home, that covers the fee and more. Its main perks are: - 1% cashback up to £10/mth on Council Tax, energy, water, mobile & home phone, broadband & paid TV bills you pay from it by Direct Debit. - Linked saver paying 6% variable for 12mths on up to £4,000. - Top debit card for spending overseas with near-perfect exchange rates. See full Santander eligibility & review. One more standard account that'll pay you to switch... NatWest Reward. FREE £150 plus perks including £36/yr cashback and a 7% linked saver. Even BIGGER cash but ONLY FOR HIGHER EARNERS... Boosted. HSBC Premier FREE £500 (was £250)*. Free family travel insurance & digital GP access. To get this, you must have a minimum £100,000/yr salary. See full HSBC Premier eligibility & review. Lloyds Premier FREE £500. Free digital GP access & physio, Disney+, top overseas debit card, 1% cashback etc. To get this, you must pay-in £5,000/mth (equiv £85,000 salary). See full Lloyds Premier eligibility & review. Barclays Premier FREE £400*. Free Apple TV+ and possible 0% overdraft up to £500. To get this, you must have a minimum £75,000/yr salary. See full Barclays Premier eligibility & review. NatWest Premier Reward FREE £250. Decent £8/mth cashback after the £2/mth fee. To get this, you must have a minimum £100,000/yr salary. See full NatWest Premier Reward eligibility & review. You may be able to make £1,000s by repeatedly switching banks. Becoming a bank-bribe bagger can pay well - we've had people tell us they've made a shedload. As Paula emailed: "After seeing the show about how easy it is to swap bank accounts, I gave it a go. Between my husband and me, we've now done all the banks and earned £2k+ this year! Please keep the tips coming, you've saved me £1,000s!" See pros & cons in make £1,000s by repeatedly switching bank. Are subscriptions moved when you switch? Direct Debits and standing orders are moved for you. Yet the third category of regular payments, known as recurring payments, eg, Netflix, Disney+ etc, where you give the long number on your debit card when you pay, aren't moved; you need to do this yourself. If you do forget, though, normally they'll notify you 'your payment card no longer works' so it shouldn't be too big an issue. See recurring payment help. Can switching bank affect your ability to get credit? In the short term, yes. It's a credit application, so that has an impact by itself, but also lenders like to see evidence of stability. It usually isn't a big deal, but if you've an important credit application soon (eg, a mortgage), it's probably best to hold off until after. You may want to check your 'eligibility rating' via our free MSE Credit Club (or easier via the MSE app on iOS & Android). More in how switching banks affects your credit.

 

New tax year. Cash ISA rates sneak up further... 4.62% easy-access and 4.52% 1yr fix. Providers are still fighting for your new ISA custom (a cash ISA's just a savings account where the interest isn't taxable). Top easy-access: Trading 212's 4.62% AER* is still top for new money, up a smidge on last week (newbies only). Top 1yr fix: Investec's 4.52% AER (min £1k) is now top after upping its rate in the last week. Far more options in our top cash ISAs guide. Though if you're putting money away for the longer term, remember done right shares ISAs will usually outperform. Supermarket savers: £20 off £60 at Asda, £10 off £50 at Morrisons & more. Find a supermarket you've not shopped at online before and bag a first-timer grocery discount. 'I got £2,000 refund from "Complete Savings: click to claim cashback" site after reading your story.' Success of the Week. Richard, one of many caught out by 'click to claim' cashback service Complete Savings, emailed: "When I first found out what it was and how much I was being charged, I felt physically sick. Having found your article, I immediately emailed Complete Savings asking to cancel and requesting a full refund of £2,055. A few days later, I checked my balance and yes: credited in full, no quibble! Thank you." If we've helped you save or reclaim (on anything), please tell us about it. 1 million FREE £5 Popeyes Cajun breakfast rolls or wraps. At 50 locations. How to get free Popeyes Grüum skin & fragrance set normally up to £50 for‎ £5 delivered. MSE Blagged. Choose 1 of 3. Grüum. Don't just accept your car insurance renewal if it's the same price as last year - you want cheaper! In case you missed it last week, while prices are starting to rise, on average they're still down year-on-year, so don't accept a 'same price' renewal. Read our full Car Insurance Phoenix help. Pizza Express £5 pizza or pasta (normally up to £18) Mon-Fri. From 3pm to 5pm, dine-in or takeaway. Spread word. No need to pay to reclaim motor finance - free tools make it easy to DIY. A reminder of Martin's comprehensive help, which explains... Bought a car, van or motorbike on finance since 2007? Free tool to track old deals and complaint tool to get redress quicker, easier & with more certainty. And most importantly, unless you want to go down the Court route, you don't need to pay anyone. Alton Towers, Legoland & more theme parks up to 50% off. Thrill season's here, so we've updated our cheap theme parks guide, including tips on how to beat long queues. Achoo! 30 hay fever tablets 69p. We looked at 25 stores to find where's cheapest to stock up for sneezy season.

 

 

BLAGGED FOR MSE - Grüum skin & fragrance sets‎ £5 delivered 10,000 available	DID YOU MISS? - Are solar panels worth it? We've crunched the numbers - Teacher? Get 35% off Ocado, 20% off Disney+ & more - Get a FREE £225 with Amazon, M&S etc OR 45,000 air miles - Employed? Check your tax code NOW - A year's 2for1 at 360+ UK gardens in £10 mag

 

 

Martin: Aged 66+ on a low income? Please read & share... 'We've saved £3,000 - while we only qualified for a £6/wk pension top-up, we got a free TV licence, plus water, energy, Council Tax help and more...' Many of your success emails make me smile, but this recent one below had me beaming. I've long waged a communications battle against the hideously underclaimed and overcomplex Pension Credit system. Terribly, this crucial top-up for state pensioners on the lowest incomes is still being missed out on, using the Government's own numbers, by over 900,000 of the 2.3m eligible. And as it's just been increased for the new tax year, even more people are now eligible, some who weren't before. So here's some inspiration, showing the power of Pension Credit as a gateway benefit - even if it isn't worth that much itself... To: successes@moneysavingexpert.com From: Anna [name & minor details changed to preserve anonymity] Date: March 2026 Subject: Pension Credit By a direct result of Martin and the Government impressing on the older generation to apply for Pension Credit, I have saved almost £3,000 in the last year.  My husband and I are retired, 83 and 76, with a State Pension. I filled out the necessary forms and was awarded Pension Credit of £6.10/week, which opened up benefits. Due to the application being backdated to when I applied, I did not have any Council Tax to pay this year - a saving of over £2,500/year. Add to this a free TV licence, Warm Home Discount, and a lower water bill. This has resulted in a saving of over £3,000 a year. This has made such a difference to my husband and me, with less worry over the cost of living. I am still budgeting very carefully, but with less pressure and anxiety. It was, as Martin advised, that we were owed this money and not pariahs, that I decided to apply. My husband had worked as a self-employed plasterer and me as a receptionist. We had worked hard to buy our own property and had one child only. Never applied for benefits. How many are in a similar position? I regret to say that I am too embarrassed to tell my friends that I am in receipt of these benefits. Please keep impressing on your viewers their rights and urge them to apply. I know the forms online are a little daunting, but I am sure family or a trusted friend would help. Regards, Anna Think you may be due? Don't stall, just call (or click)... Just go online to www.gov.uk/pension-credit where you can check if you're due, and don't worry - the worst that can happen is you're told you're ineligible. If you prefer to speak to someone, call 0800 99 1234 (N. Ireland 0808 100 6165). What is Pension Credit? It's a top-up to the State Pension for those with low incomes. The news often reports that the State Pension is, for the new tax year, £241.30/wk (up from £230.25). Yet that's not what most receive, that's just the 'new' 'full' State Pension. And 'new' and 'full' do some heavy lifting here. Over 60% of pensioners - those who hit State Pension age before April 2016 - are on the 'old' State Pension. Its new 'full' basic amount is £184.90/wk (up from £176.45), though it has other elements that can increase it. Plus many don't get the 'full' new or old pension, as they don't have enough National Insurance years. This leaves millions with far less income than the amount quoted, and they are likely eligible for Pension Credit. Who should check if they're due Pension Credit? Those of State Pension age, roughly 66+ (see When do I get my State Pension? calc) with low weekly incomes. This includes income from work; private, work or state pensions; and some benefits. Plus if you've over £10,000 of savings or investments, each £500 above counts as £1/wk income (if only returns were really that good). My ROUGH RULE OF THUMB based on total weekly income is... - Single: Under £238/wk you're LIKELY to get it. Under £250/wk it's worth a check. - Couple (both State Pension age): Under £363/wk you're LIKELY to get it. Under £380/wk it's worth a check. Do note I'm not saying you will get it if you earn under these levels. Just that it's worth the time to check. Pension Credit's Superpower... While many on Pension Credit get £1,000s a year paid to them, even if what you're due isn't huge, it's worth claiming. As Anna's email brilliantly displays, it's a gateway to other state help, meaning you may be able to claim... - Free TV licence for over-75s (normally £180/yr). - Housing Benefit for renters worth £1,000s for some (depends on where you live & how many people you live with) - Council Tax reductions worth £1,000s/yr. - Free dental treatment. - Reduced prescription glasses/contact lenses. There's also energy bill reductions and more - see full Pension Credit gateway benefits.

 

News. Twenty thousand students told to repay living loans after courses wrongly classified. See Weekend student news. Booking 10+ nights away? You may be able to get £100 credit... Via Hotels.com's revamped loyalty scheme. Use Tesco Clubcard Pay+ prepaid card? Withdraw cash NOW, it's being axed next week! Here's what you need to know. FREE Grand Designs Live London tickets (normally £14). For 1 to 4 May. Grand Designs

 

 

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AT A GLANCE BEST BUYS 0% balance transfers Longest definite 0%: HSBC (check eligibility; existing customers use this link), 36mths 0%, 3.19% fee, 24.9% rep APR No-fee 0%: Barclaycard (check eligibility) up to 14mths 0%, 24.9% rep APR Best bank accounts Boosted. Free '£210' + top service: First Direct Free £200, fuss-free: Barclays Free £200 + perks (eg, Disney+): Club Lloyds Broadband top picks Fast fibre (100Mb+): Sky '£20.09/mth' Superfast fibre (500Mb+): Vodafone '£24/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 Cheap loans £5,000 to £7,499: M&S Bank (check eligibility), 6.9% rep APR £7,500 to £15,000: TSB (check eligibility), 5.6% rep APR Top savings accounts Top easy-access savings: Chase 4.5%, min £1 Top easy-access ISA: Trading 212 4.62%, min £1 Top one-year fix: MBNA (part of Lloyds) 4.66%, min £1,000 Top energy deals Use our whole-of-market Cheap Energy Club Cheap Sims Up to 3GB data: Lebara, '£2.89/mth' for 3GB 4GB to 9GB data: Lebara, '£3/mth' for 5GB 10GB to 30GB data: Lebara, '£3.03/mth' for 15GB 31GB+ data: iD Mobile, '£4.63/mth' for 100GB

 

 

MSE NEWS - Top story: Car finance reclaim ads using unauthorised clips of Martin Lewis BANNED

 

 

MONEY MORAL DILEMMA Should I accept delivery of a sofa I've been refunded for? I ordered a sofa, but two months later it still hadn't arrived. When I contacted the company, they couldn't find it. I'd already given my old one away and, at 78 with a new hip, I was stuck using a deckchair. Eventually, I was told to cancel my order to get my money back - which I did - and then I bought a sofa elsewhere. Now the delivery firm keeps calling about the original sofa. I've explained I cancelled, but they still say they're coming. It's been so stressful, I almost feel like just accepting it, but I'm worried about the repercussions. Enter the Money Moral Maze: Should I take delivery of a sofa I've been refunded for? | Suggest a Money Moral Dilemma (MMD) | View past MMDs

 

 

MARTIN'S APPEARANCES (WED 15 APR ONWARDS) Thu 16 April - Ask Martin Lewis, BBC Radio 5 Live, midday Tue 21 April -This Morning, Phone-In, ITV1, 10.20am

 

 

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