New top easy-access savings, ‘free’ cinema tickets and walk away with someone else’s luggage!
New top easy-access savings, 10% off railcards, ‘free’ cinema tickets and walk away with someone else’s luggage. These are our Money Saving Expert Martin Lewis’ Quick Deals.
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.
New. Top easy-access savings rate at 1.3% (best I’ve seen for over a year)
Savings rates are paltry, pitiful, spitworthily low, some paying just 0.01% (10p interest per £1,000 saved). So on Monday I ran through the top ways to save to maximise the interest you can earn, on the back of the best easy access savings rate deal we’d seen for over a year. Well already since then a new one had come out and topped it, so this is a quick update.
This is specifically about the top standard easy-access account, where you can add and withdraw cash whenever you want. The new top payer is the Bank of Cyprus paying 1.3%, though 0.7% of this is a bonus which ends after a year, it overtook RBS's Ulster Bank which pays 1.25% and is a straight rate - both are online accounts accessible across the UK. As every basic 20% rate taxpayer can now earn £1,000 of INTEREST (£500 at the higher 40% rate) without paying tax, these accounts are tax-free for all but those with huge savings. So most should go for these over the top 1.05% cash ISA from Leeds BS.
Go online to the National Railcardswebsite and you can get 10% off four of its big annual railcards (usually only individual cards are discounted not all four) – the Two Together (two adults get a third off if they travel together), Family & Friends (up to four adults can get a third off and up to four kids can get 60% off when travelling together), 16-25 (get one third off standard off-peak and advance fares) and the senior railcard (over 60s gets one third off travel). You need to apply online before 11.59pm Thursday 31 Augustand enter the code AUGUST10MS, so it’ll be £27 instead of the usual £30. Even if you do one trip worth over £80 – the saving will be worth the price of the card.
‘Free’ £10 Sunday cinema ticket with £3 pack of sweets
Buy selected chocolate packs(includingM&M’s, Maltesers, Minstrels, Galaxy Counter and Revels) before Thursday 19 October and you can get a ‘free’ Sunday cinema ticket atparticipating cinemas, including Cineworld, and some independents such as Savoy Cinemas and Movie House Cinemas, but not Odeon or Vue. You’ll need to buy two large packs (currently (Malt)Teasers block is £1.50 at Sainsbury’s, or £1.70 at Asda) or five small packs (currently £1 at Tesco, Asda and Sainsbury’s) to get the ‘free’ ticket – just make sure they have the ‘Sweet Sundays’ promotion on them.
Register the codes found on the bags online and you’ll receive a voucher which can be used on any 2D films on any Sunday until 12 November. And you can get two free tickets per person, not per household, so you can combine for more. Just don’t eat all the sweets at once!
Walk away with someone else's luggage this summer - it could be worth £100s
When returning from your holiday all you want is to collect your luggage and get home as quick as possible. But if you find your cases have been lost by the airline then before leaving baggage reclaim, go to the luggage or airline counter and fill in a Property Irregularity report. Then put in a claim with the airline within seven days.
If they don’t find it within 21 days, it’s officially lost – and you can try and get compensation for it either from the airline or travel insurance – but it’s not fun.
Yet if later found, the airline often sells them through specialist auctioneers, such as Greasbys in Tooting, BCVA in Bristol, Mulberry Bank in Glasgow and Wellers in Guildford (other smaller local auctioneers may sell it too, but you’ll need to ask them).
Which others may want to take advantage of. So turn up, bid on a suitcase (they usually go for between £10-£75 per case, but you won’t know what’s in them), and it could have contents in it worth £100s, or it could literally have pants (all valuable items such as electronics and jewellery is removed and sold separately). If you can go to the advanced viewings the day before you’ll at least be able to see the make and model of the cases which you can then benchmark the value on eBay before you bid – brands to watch out for include Samsonite, Tumi, Trunki and Linea.
And don’t get blinded by bidding fever – set a maximum and don’t be pushed past it. Plus watch out for added fees which could push a £30 winning case to £43 after fees.