Top rate 2.5% easy-access cash ISA, cheap cross country train tickets, a year's 2 for 1 at 300+ gardens and 34p for a European travel adapter, including delivery: check out Money Saving Expert Martin Lewis’ deals of the week including a cracking online exclusive deal!
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.
Top 2.5% easy-access Cash ISA
Savings rates are dismal, which is why everyone should be doing what they can to boost their rate to the max. One easy way is to ensure you use your new cash ISA allowance. A cash ISA is just a savings account where your interest isn’t taxed (normally, basic rate tax payers have to give 20% of their interest to the taxman, higher rate payers, 40%), so provided you get a decent rate, you earn more. And as the top cash ISAs pay more than the top savings right now, that’s an easy call.
Everyone over 16 has a brand new £5,940 allowance they could stash into a cash ISA on 6 April – the allowance will rise to £15,000 on 1 July as the new NISAs launch, but don’t let this put you off – you can open one now and then top it up to the remainder. For full help, see Martin’s full Best Buy Cash ISAs guide & FAQ, but briefly, the top deals today are:
- Easy-access (ie, you can access the cash when you want).Nationwide’s 2.5% AER ISA is the top payer, yet you can only put £1,250 a month in, so it’s great for smaller savers, but not if you want to dunk a lump sum up to the maximum. For that, the Halifax 1.55% AER ISAis a top payer available to all (some local credit unions can pay more) and it allows you to transfer past year ISAs in too. Yet both these rates will likely drop after a year, so you need to diarise to ditch and then transfer.
- Many people should lock in with a fix (that gives access). If you’re unlikely to need to access cash quickly, then you can get a higher rate, that’s guaranteed. The Coventry’s 2.75% AER four-year fix pays a high rate and crucially lets you close the account early to withdraw the cash. For that, you do pay a 120 day penalty, but even if you closed it after a year, that still means you’d effectively have earned 1.85% - more than the Halifax deal.
Up to 25% off advanced Virgin Trains ticket sale
If you want to whizz from London to Birmingham, Manchester, Glasgow and Bangor via Virgin Trains’ pendalinos, there’s currently a sale on - 25% off its lead-in fares (which are already its cheapest) for both adults and children on standard and first class.
The sale’s on until midnight TONIGHT, for travel between Wednesday 14 May and Saturday 21 June. Bag yourself a £19 return from London to Manchester or it’s £11 London to Birmingham return or £15 Preston to Glasgow return. There are a fair few excluded journeys so do check before you book, but basically, if you plan to travel on this train line, check it out soon in case the fair is reduced.
2for1 to more than 300 UK gardens for a whole year
Pick up a copy of May’s Gardeners’ World magazine by Monday 26 May (£4) and inside you’ll find a card giving you 2for1 entry to more than 300 UK gardens for a year, including the Eden Project (saving £23.50), Kew Gardens (saving £14.50) and Warwick Castle Gardens (saving £22.80).
It’s valid for a whole year and you can use it again and again and again, 55 of the gardens give up to 50% adult tickets.
34p for a European travel adapter, including delivery
I like this because it’s a delivered product that costs less than a stamp. Use the code PLTRAV51 in the search bar online at CPC and you get a European travel adapter, including delivery, for just 34p - perfect to store for your next holiday. There’s no limit to how many you can buy and there’s no minimum spend.
CPC is mainly aimed at businesses, but you don’t need to be a business to buy from them. Having said that, make sure you enter your name in the ‘company name’ box and when you pay by card, ensure the delivery address is the same as the address the card’s registered at.
Web exclusive: DIY discounts for the bank holiday
If you’re planning on doing some DIY this weekend, you can grab a discount at two of the big home improvement stores. Homebase is giving an automatic 15% off most items when you shop in-store or online from Saturday 3 to Monday 5 May. Delivery starts from £3.95.
Until 12 May you can also get £10 off £50 when you shop online at Wickesand enter the code A10M14, or £20 off £100 by entering the codeA20M14. Delivery’s £5.95 or free if you’re spending £50 or more.