A warning about old ISAs, ‘free’ cinema tickets, instant 50% off theme parks, and a rare £5 off £40 Asda groceries code. These are Money Saving Expert Martin Lewis’ Deals of the Week.
Remember, deals can change quickly, even while I’m on the programme. So always double-check the terms and conditions before spending. Plus, while I hope these deals will save you cash, don’t spend if you can’t afford it, don’t need it, or won’t use it.
Web exclusive: Urban Outfitters extra 30% off up to 50% off sale
Enter the code EXTRA30 online at Urban Outfitters by Friday 8 August and you’ll get an extra 30% off all sale items – some are up to 50% off already, so this is a decent saving. Delivery’s £3.99.
Boost new and old ISA rates ASAP
Barclays has just announced it’s consolidating its cash NISA range and over 2.4m people will be moved to its new deal in November. 1.6m of them will see their rates cut down to 1.29% AER for those with a balance of £1-£14,999, 1.39% AER for those with a balance of £15,000-£29,999 and 1.49% AER for those with a balance of £30,000+.1.29% AER. Overall it’s not hideous, but it’s easily beatable. And Barclays isn’t alone, many people have cash languishing in old NISAs - some paying as little as 0.1% - so check yours now and transfer it if you can.
· Top deals change regularly (see Martin’s daily updated Top Cash NISAsguide. Currently, top easy access cash NISAs are BM Savings (part of the Lloyds Group) and Kent Reliance Building Society. Both pay 1.55% AER variable (min £1), they allow transfers and let you withdraw whenever you want. The BM Savings deal includes a 1.05% intro bonus lasting 12 months, effectively giving you short-term certainty it won't drop below that, but it'll plummet after so diarise to transfer. The Kent Reliance NISA is totally variable so monitor it, as it can change the rate at any time.
Alternatively, if you want a guaranteed rate that accepts transfers, Kent Reliance’s two-year fix is 2.1% AER (minimum £1,000).
· When you transfer, don’t just withdraw the cash, as it'll no longer be in the tax-free wrapper. Instead, fill out your new provider's transfer forms to ask it to shift the money for you.
PS. If you’re wondering why it’s NISA and not ISA, in July the rules changed so you can now put £15,000 per tax year in and it was renamed the new ISA, or NISA.
Cinema and theme park deals
The key to nabbing cheap entry to theme parks and cinema tickets is to plan ahead and book as early as possible. With both these deals, you can chomp your way through snacks now, but the vouchers are valid till the end of the year…
· ‘Free’ £10 Sunday cinema tickets per £4 of sweets. You can get a 'free' cinema ticket valid on Sundays at participating Cineworld, Showcase, Apollo and Movie House cinemas when you buy four share bags of Sweet Sundays promotional chocolates before 19 November 2014. The bags include M&Ms, Maltesers, Minstrels and more. The real treat with this is that the bags are usually £2 but are currently on sale for £1 at Tesco. Just find the code inside packs, register online at Sweet Sundays, and enter the codes. You’ll then be sent a voucher via SMS, email or post, which you can use until Sunday 7 December.
· Instant 50% off 25 theme parks with £1ish crisps. Look for promotional single packs of Walkers Wotsits, Quavers, Squares, Monster Munch and French Fries (55p-£1), which have a half-price entry voucher on the back (go quick as the packs are likely to disappear towards the end of August). Each voucher gets 50% off one adult or child full-price gate ticket at one of 25 Merlin attractions until the end of the year, including Alton Towers, Legoland, Thorpe Park, Sea Life and Madame Tussauds.
Do note the 50% off is on the gate price, but often you can buy tickets in advance online for much cheaper. At Alton Towers, an adult gate ticket is £49.20 (so after 50% off it’s £24.60). But book online seven days in advance and the price is £36.90. With Thorpe Park, the adult gate price is £49.99 (so £25 with the crisps voucher) but only £25.99 if you book 2+ days in advance, so there the saving isn’t huge.
· Rare Asda £5 off £40 code. I believe this is the first time in 2014 that Asda’s run a code, so if you’re planning a shop, get it while you can. New users toAsda’s online grocery shop can enter the code AFCC4752, which has appeared on many voucher websites, to get £5 off a £40+ spend when they collect their items in-store. The code’s valid till Monday 1 September and it can be used once per account.