Learn how in the Forum Introduction Guide. Credit Cards Debt-Free Wannabe Savings and Investments. Utilities Old Style MoneySaving MoneySaving in Relationships.

Grabbit Shop don't drop Freebies Competitions. Join s of MoneySavers in the Forum's many discussion boards. For all the latest deals, guides and loopholes - join the 12m who get it.

Sally and Dan Edited by Johanna. This step-by-step guide teaches you how to send money on the cheap. Whether it's one-off or a regular payment, you'll save some serious cash. Cheap Travel Credit Cards , Travel Money Maximiser.

Prepaid Travel Cards: lock in the best rates - MSE

The two key drains on your lump sum will be the fee, and the exchange rate. Don't be seduced by 'fee-free rates' - the exchange rate is often adjusted to make up for the loss.

A multitude of fees, charges or commission can apply both to the sender and the recipient. Many providers impose multiples of small additional charges to disguise the real cost of the service. Many companies claim to be 'commission-free' and then dampen the exchange rate so you get less bang for your buck. It's often difficult to get hold of the exact rate and compare it, as some providers don't publish daily rates which change throughout the day.

A multitude of fees and exchange rates make transferring money seem like a complicated minefield. Quite simply, it boils down to one very simple key question:. It sounds simple but sometimes it's hard to get an answer. Exchange rates change throughout the day, and possibly by the minute. In order to compare providers properly, you'll need to do it all in one go.

Start by benchmarking a decent exchange rate - check the Travel Money Maximiser to help. To find the best deal, follow the steps in this guide; each one lists who it's suitable for. Stop at the first method that suits you. If you've got money in a UK savings account, there's a whole protection scheme set up to cover you if the provider goes bust. With foreign exchange money transfer companies it's a different ball game.

This is crucial to understand - if you use an online transfer company or any transfer company that holds your money and it goes bust while it has your money, there's no guarantee you'll get it back. The regulation of these companies has become tighter in the past few years, but the risk of losing cash still remains. Each day, at the close of business, these firms separate your money from the firm's own accounts known as ringfencing.

This protects your cash, so you should get it back if the firm gets into difficulty. Smaller firms can choose to be registered. This means there's no safety process if something goes wrong with the firm, meaning your money isn't protected. To check how a firm is regulated whether it's authorised or just registered , search for its name on the FCA register.

For more information on your protection, this Sending Money Safely leaflet from the Money Advice Service is useful. If a firm loses your money but it hasn't actually gone bust , you have the right to complain to the Financial Ombudsman Service if the company can't sort it out for you. It will investigate on your behalf and if the company's in the wrong, you should get the money back. See Your Financial Rights for more details. If you're nervous, an alternative is to use the similar, but more expensive services offered at bank branches.

These are designed to be used for purchases, so if you can, the easiest and cheapest way is to spend on specialist credit or debit cards.

You can pay for things overseas at the near-perfect exchange rate with minimum fees. It's great if you need to spend money in shops or withdraw cash in another country, plus if you've a relative living abroad who you're happy to pay for, you can add them as a cardholder to your account so you get the bill.

Paying overseas bills eg, for second homeowners, provided companies you pay accept plastic, or you visit often enough to withdraw from ATMs. Plus unlike most cards, it will cost you little or nothing to withdraw cash from an overseas ATM. Grab the plastic and use it to spend or withdraw cash as your normally would. As it's a UK account, just pay it off at home. ALWAYS set up a direct debit to pay it off in full each month to avoid paying interest on any spending.

You'll pay a month's interest on credit card cash withdrawals , but this is almost negligible compared to the benefits. The Creation Everyday card has no foreign exchange fee anywhere in the world, so you'll get the best rate possible. Spending is free, and cash withdrawals have no fee although you will pay interest from when you make them, until they're paid off. Use it abroad yourself, or if you've a son or daughter heading abroad - maybe for a gap year or similar - make them a secondary cardholder.

It's cheaper than transferring cash all the time. This is a new, untested card to us; we don't have much feedback. Please let us know your experiences if you use it. Are there any limits on cash withdrawals? A number of banks allow you to transfer money to linked banks overseas without a fee though usually it's just an overseas arm of the same banking group. So if both you and the person you want to send money to open accounts, you can move money between them cheaply.

There is one major difference though. One allows you to send money to anyone who holds an account with the same bank overseas, while the other group requires both the UK and the foreign account to be in YOUR name. This is best for regular movements of money to people who stay in one country. HSBC 's transfer service is free for Premier and Advance current account holders transferring money to any other HSBC account, as long as you transfer through their online banking system.

It's worth checking HSBC's exchange rates, as they're not always the best. So compare with the specialist international transfer companies below. It may be that, even with a fee, their exchange rate's much better, and effectively cancels out the fee. Transfer limits depend on how you send the money. The transfer service reaches destinations covering 60 currencies see the full list , and delivery times will vary. If you use its dedicated SEPA Payments scheme for Europe, funds will arrive the next working day.

Currencies outside of the EEA could take up to six working days, though in most cases they take three. As a general rule, they say you'll have to do the conversion before sending the money, as there's no guarantee that the money received by the overseas bank account will be free of charges for the recipient.

A number of banks also have relationships that allow you to send money without a fee at good exchange rates. However, both the UK account, and the one in the country you are sending to, usually need to be in your name.

This means it's more useful if you have a second home abroad, for example, and need to pay bills, but less so for sending cash to friends and family. USA, Hong Kong, and more. Lloyds Bank offers a similar Premier International account which operates in euros and US dollars.

You'll be able to make free international money transfers online, by phone, or by standing order. Danske Bank has branches in Northern Ireland, plus online banking, and if you have one of its accounts, you can transfer to any other account you hold in the Danske group. The Danske Bank Group operates in Finland, Denmark, Sweden, Norway, Estonia, Latvia, Lithuania, Ireland, Northern Ireland, Germany, Poland, Luxembourg, Russia, the United States and the United Kingdom.

Know any not here? If you know of another bank offering fee-free transfers to a specific country, please let us know. For all the latest deals, guides and loopholes - join the 10m who get it. A number of companies allow you to send money online, either through e-commerce systems or simply by moving your money into someone else's bank account, but the correct system depends on how much money you want to send. This is generally suitable for non-urgent transfers of smaller amounts of money.

It is very important to be aware that no compensation scheme exists if these firms were to go bust - read full details in Am I protected?

There are a number of UK firms designed specifically for international money transfers. You pay them in sterling, usually via internet transfer, which they convert and send to the receiving bank within two to four working days.

You'll need to set up an account and have your address verified first, which can take a few days. For smaller amounts, the options below are worth considering. See below for step-by-step help.

Rates are competitive with other companies in this guide though always check. The voucher is available for new customers only and the payment must be via SWIFT or bank transfer. With this offer, your first transfer is fee-free but after that, fees are low, especially if you're transferring small amounts. It can do this because you never actually transfer any money.

Instead, it has reserves of currency in several different countries. So when you pay into the UK pot, your recipient is paid out of the euro, dollar or rupee pot, depending on where they live. Instead of money being lent, borrowed or transferred from a company, peer-to-peer systems use money from individuals, uniting groups of people with money flowing in opposite directions.

For those familiar with peer-to-peer lending , transfers work in a similar way, except you don't have to wait for someone to send funds in the opposite direction to complete a payment. Let's say you want to transfer money to a friend in Spain sending money in the opposite direction would work exactly the same, just reverse the countries. Here's how it works:. Though this is set up as a peer-to-peer exchange, your friend doesn't actually get the specific money that you send.

It's done using the company's reserves - which means you aren't relying on being matched up with someone else. Transferwise has the highest level of FCA protection though as for foreign exchange companies, protection is limited - see Is my money protected? The main risk would seem to be if it ran out of reserves - we've no evidence on how much cash it's holding.

If you're looking for top rates then OFX lets you transfer online or over the phone. It has offices in several different countries, which not only means that you can call 24 hours a day if you need support , but also means that for larger currencies it's not actually transferring cash across borders.

Instead, it's paying your recipient from its own in-currency account, meaning you get better rates. Travelex is a big name player, and sending cash via its International Payments service tends to give you some of the best rates on the market.

When the amount you wish to transfer jumps to the 'serious' level, the only players able to give a good rate are specialised foreign exchange brokers. There are a lot of companies, and the same lack of protection applies as above - so be very diligent in checking, as the amount you could lose is huge.

This method only really adds up for sending a few thousand pounds at least. It's possible to use this method for smaller amounts too, but then it's costlier. When transferring larger sums, it's important to remember that even small differentials in exchange rates can make an enormous difference. So finessing the very best rate takes on even more significance. Quickly go to the Travel Money Maximiser to check out the best rates.

That finds the top rates for getting cash when going on holiday, so you should be aiming to beat its best rate, after all fees. It's rare your bank will actually be the best buy.

But it's a very useful second benchmark. Some have special facilities for existing customers, so it could actually come up trumps. These companies buy and sell vast sums of foreign currency which allows them to offer excellent exchange rates because, even if they only make a small percentage profit on every pound, that soon adds up when you're dealing in hundreds of millions of pounds.

We've listed our top pick brokers below. In addition, most don't charge fees to send money, and the broker pays for any receiving fees, so all you pay is the margin it takes via the exchange rate. The rates for these change constantly, often by the minute, so to find out which gives the best rate to your chosen country, you need to get quotes in as short a space of time as possible.

Remember the golden question: Unfortunately, the less you transfer, the worse the rates get, so this route's only worth it for high-value money switching.

With all the companies detailed, you can alert them to the rate you're looking to achieve. They'll monitor the rate and tell you when it's reached, or exchange the amount you've set automatically. Yes, but you need to be aware that if rates rise and you've set up an agreement, you could lose out. This is more common for regular payments or if you know you'll need to send money over a length of time. If it is something you want to fix, an exchange broker will be able to set this up for you.

As a general rule, the more you're likely to transfer - whether as a lump sum or as regular payments over a lengthy period of time - the better your bargaining power on the rate.

There is no hard and fast rule to which currency broker is best, so get quotes from all of them to find the the best rate for your currency.

The regularly quoted big brokers below are the obvious places to start - though of course, they're still no more protected than any of the others. For bigger transfers, you'll need to give it a call. It also has a 'best exchange rate guarantee' so that if you've received a better quote from another currency firm, it will - under most circumstances - guarantee to beat it. Plus if you click through via our link, it's also waived all transfer fees for MoneySavingExpert users.

How does this work? Standard payments take days to arrive, but you can opt for a priority service to arrive either on the same day, or next day for countries with large time differences eg, Australia. The deal is only open for new customers. Transfers can be made online or over the phone though phone transfers cost more. If you transfer cash with Moneycorp, you get its Starcard, which gets you discounts on travel money, plus hotels, airport parking, car hire and more.

Strong exchange rate, and fee free UKForex If you're looking for top rates then UKForex lets you transfer online or over the phone. Unlike banks, currency exchange businesses are not covered by the Financial Services Compensation Scheme, so there's always the risk, if something goes wrong, you won't be guaranteed full compensation full details in ' how safe is my cash?

Knowing this, these companies work hard to prove their stability, and a little research should bear that out. For example, HiFX stores your money in a Barclays account while it's in transit before it hits your account overseas.

As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. The methods above will all take a few days for the money to hit the destination, although check first - some may only take a day and you'll be far better off if you can wait. It's much cheaper than the options below. But, if speed is paramount, a few companies offer instant cash transfers to thousands of locations anywhere in the world.

Be warned, they ain't necessarily cheap Those who need to move cash at speed, or where the recipient doesn't have a bank account in that country. If a backpacking son or daughter, or a friend who's had all their cards nicked, needs cash. Do remember it's far better, if possible, to set up the card system above. You either go into a branch there are many in newsagents, post offices and banks or pay the money online.

The recipient then picks it up at an agency at the other end once it's done - they don't need to be there that moment. They can either present ID or, if that's a problem, a code can be used to legitimise the transfer.

The word "cheapest" should only be used advisedly here. This isn't a cheap service, and should only be done if necessary.

It's extremely expensive, especially for small amounts, though the recipient won't normally need to pay a fee. The two big operators are Moneygram and Western Union. If you've the luxury of a choice between the two they tend to have different agents , check both and choose the cheapest for the amount and country you're sending money to.

It's not really a case of being able to say which one will be cheaper in terms of fees, but Western Union tends to win on rates - though not always, so it's another thing you should check. We've done some examples to help illustrate the fees you could face Fees correct as at Dec There are also firms which provide transfers from the UK to specific countries, which can often be found in areas where there's a large community of those of that ethnic origin.

Both the big firms here are Financial Conduct Authority-authorised, which is the highest protection a currency broker can have, though it doesn't mean your money is completely secure - read full details in Am I protected? You'll need the name and account number of where the money is being transferred to. Be careful though - some countries may not release the money if the exact name and the account number don't match up.

There might be, but that shouldn't be a problem if you're transferring from the UK. If you're abroad and transferring from there, there's likely to be slightly different banking practices. For most, it's more than likely you'll need ID to double check the account number and names of where you're sending to.

It depends how you've sent it and which company you've used. Some do it via email and long-winded processes. Most are set up for you to transfer cash to the company account, they then transfer funds into the required account overseas.

The first port of call should be the company you've used, if it's not arrived where it should have done. Double check it left your account and ask your bank to confirm the cash reached the transfer company's account as extra back-up. The company you've used should be able to trace the payment journey and tell you what's happened.

In short, you don't. But the firms included here do have FCA authorisation - the highest level of protection you can get for a payment service institution - what the FCA classifies money transfer companies as. If you're really unsure, try sending a smaller amount first.

18 cheapest ways to get travel money - MSE

See if it arrives and test out the service before you send what you need. Make sure you get receipts or confirmation that you've sent money and keep track of any documentation to do with the transfer - you might need it to keep track of payments.

Sometimes members of specialist cashback websites can be paid when they sign up to some financial products which can be an extra boon. Do check that its exactly the same deal though, as terms can be different. From 1 April the rules on credit card minimum repayments changed. For customers getting a new credit card agreement the monthly minimum repayment must be AT LEAST:. Some card providers including Barclaycard, MBNA and Santander have applied these changes to existing card holders too.

With credit cards, the rate for purchases as opposed to balance transfers or cash withdrawals is used as the main rate to advertise the card. So if that is described as Loans are slightly simpler as they only have one rate. So if a loan is advertised as being 7. Of course, some people will be rejected outright for the card or loan too. NOT YET A FORUM MEMBER? If you go through it, it can sometimes result in a payment or benefit to the site.

It's worth noting this means the third party used may be named on any credit agreements. Plus the editorial line the things we write is NEVER impacted by these links. We aim to look at all available products. If it isn't possible to get an affiliate link for the top deal, it is still included in exactly the same way, just with a non-paying link. For more details, read How This Site Is Financed. Currencies Direct , Halifax Clarity , Moneycorp , Transferwise MoneySavingExpert. David's Park, Ewloe, CH5 3UZ.

We think it's important you understand the strengths and limitations of the site. We're a journalistic website and aim to provide the best MoneySaving guides, tips, tools and techniques, but can't guarantee to be perfect, so do note you use the information at your own risk and we can't accept liability if things go wrong.

Its stance of putting consumers first is protected and enshrined in the legally-binding MSE Editorial Code. Your browser isn't supported. It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now.

Forum Home Join s of MoneySavers in the Forum's many discussion boards. Weekly Email News Blogs Martin's Blog Deals Hunters' Blog Team Blog.

About the site How we're financed MSE FAQs Martin's Biography The MSE Charity Fund Free MSE car sticker MoneySaving Game Martin's Online Gallery MoneySaving Quizzes MoneySaving Polls.

Search Main site Main site Forum News Blog. The MSE mobile menu not all pages are optimised yet. MSE Credit Club Cashback Eligibility Calc Airline Credit Cards Credit Card Rewards Loans Cheap Loans New. MSE Credit Club Loans Eligibility Calculator Cheap Credit Card Loans Credit Scores Debt Help Debt Problems Mental Health Debt Guide Dont Bank With Debts Debt Solutions Money Makeover. MSE Credit Club Stoozing Calculator Rewards Checker News Regulator denies payday loan Big Reclaims Reclaim PPI for Free Packaged Bank Accounts Council Tax Reclaiming Flight Delay Compensation Reclaim Experian CreditExpert Govt.

Calculators Council Tax Calculator Benefits Checkup Tax Code Calculator Bank Charges Comparison Income Tax Calculator News Letting fees ban and whiplash More than I actually paid. Flight Delays Compensation I took your advice and have claimed PPI from all the companies we had loans with. Cheapest Football on TV. Savings Top Savings Accounts Are Your Savings Safe? Best Bank Accounts First Direct: Fixed Rate Savings Charter Savings Bank: Top Cash ISAs The AA: Protect Yourself Consumer Rights Printed Mini Guide Section 75 Refunds Failed Delivery Shopping Tricks Freebies, Freebies, Freebies eBay Buying Secrets High Street Haggling Megashopbot.

Holidays Cheap Flights Travel Insurance Flight Delays Compensation Cheap Hotels Cheap Package Holidays Overseas Travel Tips Easyjet Tricks Motoring Cheap Petrol inc. Overseas Spending Travel Money Tips Top Travel Spending Cards Your Card: Overseas Charges Compare Travel Cash Airline Credit Cards News Doors open to passengers Insurance News Insurance News Admiral rapped by regulator Insurance Records Car Insurance The record's just 96p for a year's fully comprehensive cover.

First Time Buyers First Time Buyers Guide Help to Buy ISAs How much can I borrow? Mortgage Best Buys Cheap Mortgage Finding Home Movers Boost Your Mortgage Chances Mortgage Best Buys 20 Property Search Tips Free House Price Valuations Cheap Mortgage Finding Remortgaging Remortgage Guide Mortgage Best Buys Should you Remortgage? Free House Price Valuations Cheap Mortgage Finding Managing your Mortgage Overpaying your Mortgage Mortgage Arrears Help Extend Your Lease Buy Your Freehold.

Overpayments Calculator Would paying more on mortgage SAVE you cash? How Much Can I Borrow? Uncover how much a bank may lend you for a mortgage. Savings vs Mortgage Offset Mortgage? Shopping Rights Consumer Rights Armour How to Complain Section 75 refunds Mini Rights Printout Failed Delivery - fight back. Tools Cheap iPhone Finder Incl iPhone5 offers MegaShopBot.

Students Student Bank Accounts Student Loans Grad Accounts Education Grants Teen Cash Class News Eligible for carer's credit? Tools Free Tax Code Calculator Find if you're owed a tax rebate Income Tax Checker See what the tax man and more!

Get Our Free Money Tips Email! What will it cost? How safe is my cash when I transfer? Use specialist plastic for regular spending Free bank transfers. The best way to compare A multitude of fees and exchange rates make transferring money seem like a complicated minefield.

Quite simply, it boils down to one very simple key question: There's NO compensation scheme if a firm goes bust This is crucial to understand - if you use an online transfer company or any transfer company that holds your money and it goes bust while it has your money, there's no guarantee you'll get it back. If it's ' authorised ' - your money is kept separate. If it's ' registered ' - there are no safeguards for your cash.

Quick question What can I do if the firm loses my money in transfer? Use specialist plastic to cover regular spending These are designed to be used for purchases, so if you can, the easiest and cheapest way is to spend on specialist credit or debit cards. Who's it suitable for? If you or your partner need to spend cash abroad. If you've a friend or relative you trust who's going abroad Paying overseas bills eg, for second homeowners, provided companies you pay accept plastic, or you visit often enough to withdraw from ATMs.

But there's a trick to minimise this cost. You're only charged interest until you've fully repaid the balance, so if you pay off the withdrawal amount as soon as you can via internet banking while abroad, or when you get home you can minimise interest.

The rate you'll get is set by Mastercard, which you can check here. Some poorer credit scorers will get Stats box Exchange rate fee: None Interest on cash withdrawals?

Yes, until it's repaid in full Representative APR on spending: Free bank transfers BOTH need the account A number of banks allow you to transfer money to linked banks overseas without a fee though usually it's just an overseas arm of the same banking group. Regular cash to family members who live overseas.

Payments for services on homes abroad. Free worldwide transfers to HSBC accounts HSBC 's transfer service is free for Premier and Advance current account holders transferring money to any other HSBC account, as long as you transfer through their online banking system. Thinking about using HSBC? Click here for more info The transfer service reaches destinations covering 60 currencies see the full list , and delivery times will vary. Fee-free to your foreign account A number of banks also have relationships that allow you to send money without a fee at good exchange rates.

FAQs Unsubscribe Past Emails Privacy. Payments for goods received, eg, on eBay. You can send to over countries.

BEST THAI EXCHANGE RATE IN BANGKOK AIRPORT

SWIFT transfers will generally take up to 24 hours, bank transfers within one to three days, but this varies by the country you're sending it to and the way you pay. Azimo is authorised by the Financial Conduct Authority. This means any money you send using the service is kept separate from company accounts.

See Is my money protected? You'll need to enter the code in the 'promo code' box on the payment page, before you confirm the transfer and pay. The offer only applies to your first transfer, so anyone who has transferred money with Azimo before can't get it. You can trade 36 currencies, including US dollars, euros, Indian rupees, New Zealand and Australian dollars.

The exact fee will be shown when you make the transfer. Your money will arrive in the recipient's bank account within one to four days. Transferwise is authorised by the Financial Conduct Authority FCA. How does 'peer-to-peer' work? Here's how it works: First, set up a payment from your account to the peer-to-peer site's holding account in the UK.

When your funds clear in the UK, your friend will be paid out from the peer-to-peer site's euro account in Spain, the receiving country. Cash never leaves the country it originated from i. Transfers can be made with around 60 currencies, including euros, US dollars, SA rand, and the Indian rupee.

Your rate's dependent on how much you send. Currencies Direct is authorised by the Financial Conduct Authority, so any money you send is kept separate from the company's accounts.

Should you buy euros/dollars now, before the general election? - Martin Lewis' Blog

Strong exchange rate, and fee free OFX If you're looking for top rates then OFX lets you transfer online or over the phone. OFX can transfer a decent range of currencies - 55 can be transacted online, and cash will usually arrive within one or two days.

It's fee free and there's no minimum transfer.

Foreign Exchange Companies to get Best Currency Exchange Rates

OFX is authorised by the FCA, the highest level of regulation it can have - see above for what this means. It's available in 11 main currencies, including euros, dollars, Indian rupees and Japanese yen.

Other currencies are available on request. Your cash will arrive in the receiving account in one to three days. The more you send, the better the rate. You'll get an indication of the rate before you begin the transfer. FairFX is authorised by the Financial Conduct Authority, so any money you send is kept separate from the company's accounts.

It's got the largest range of currencies, including US dollars, Australian dollars and euros. Travelex's International Payments service is run by UKForex, which is authorised by the Financial Conduct Authority. Making regular payments - this includes overseas mortgages, bills or a pension. If you're moving abroad and want to convert all your cash. How to do it? Ask your bank for a quote. Use a specialist currency broker. What do they usually offer? Should I get quotes around the same time?

What if the rate isn't as good as I'd like? If the rate is good now and I don't think it'll get better, can I lock it in? Can I negotiate on the rate? For larger amounts yes, but obviously you'll need to talk to someone to do it. Currencies Direct is currently offering MoneySavingExpert.

Any quotes above the interbank rate at the time you contact FC Exchange won't qualify for the best rate guarantee. FC Exchange is authorised as by the FCA which means it ringfences your cash from its own operating cash.

UKForex can transfer a decent range of currencies - 55 can be transacted online, and cash will usually arrive within one or two days. UKForex is authorised by the FCA, the highest level of regulation it can have - see above for what this means.

Cashback sites may pay you for signing up As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Need to transfer instantly? Last resort instant transfers The methods above will all take a few days for the money to hit the destination, although check first - some may only take a day and you'll be far better off if you can wait. How does it work? Are there different rules depending on the country I'm transferring to?

How will the money be received? What happens if things go wrong? How do I know the money will get there? Can I get cashback on top? Credit card minimum repayments. For customers getting a new credit card agreement the monthly minimum repayment must be AT LEAST: Credit Cards With credit cards, the rate for purchases as opposed to balance transfers or cash withdrawals is used as the main rate to advertise the card.

Personal Loans Loans are slightly simpler as they only have one rate. Join in the MSE Forum Discussion: Sending Money Abroad NOT YET A FORUM MEMBER? Related Guides Parking Ticket Appeals Fight unfair parking tickets Top Savings Accounts 1. You can only spend it until Friday 28 April FREE MoneySaving email Week from 21 June MSE News Martin's Blog Deals Hunters. How this site works We think it's important you understand the strengths and limitations of the site. 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.

Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. 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 we 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. More tools from MoneySavingExpert Budget Planner Free tool to analyse your finances and scrutinise spending. Premium Bonds Calc Unique tool uses probability to estimate winnings. EBay Local Deals Mapper Find cheap pick-up only items near you - they often attract fewer bids. Credit Club Turbo boost your credit chances and get your free Experian credit report.

Credit Card Eligibility Calc Shows which top cards you're most likely to get. Cheap Energy Club Ensures the cheapest energy deal constantly. About the Site MSE's Editorial Code Site's Funding Sitemap Jobs Accessibility Email FAQs Site FAQs Forum Rules New to Forum? Martin Lewis is a registered trade mark belonging to Martin S Lewis.