New free £175 bank switching bonus, urgent cheap Easyjet half-term flights, McDonald’s freebie and check that your tax code is correct. These are our 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.
New NatWest £175 switching bonus plus earn 2% cashback on your bills
NatWest has re-entered the free cash bonus switch war with a bang, and has launched the biggest cash combo for almost 18months. It’s now paying switchers to most of its accounts £125 upfront, and another £50 if you’re still with it in June 2020 – so that’s a total of £175 – its customer service rating is middling at 43% ‘great’.
The stand out pick of its accounts though is the Reward Account, which for £2/month fee you get 2% cashback on household bills you pay from it via direct debit (energy, mobile, council tax, water etc). On average bills it's worth £60/yr after the fee - though some with higher bills can earn £100+/yr. So all-in with the free cash you could bag over £250.
Alternatively if you don’t want to pay a fee and get cashback, but just want the free money then the bog standard NatWest Select Account does that.
To qualify for the bonus you must, request a switch by 7 June, pay in £1,500+ and log in online by 12 July, then use your debit card at least once per month. For the 2% cashback, you must pay £1,500+ every month (that's just a way of making you pay your salary into this account – it’d need to be £21,500+/yr).
Switching accounts is easy. Within seven days your old account is closed, any direct debits and standing orders are moved across and any payments going to your old account is auto-forwarded to your new one. Plus when opening a bank account you will be credit scored. For a full rundown of all bank switch bonus accounts see Martin’s ‘Martin’s Top Pick Bank Accounts’ guide.
Easyjet cheap seat alert for Oct 2019 – March 2020 including Christmas and Feb half term
Easyjet operates a fluid pricing model where prices move based on demand for any particular flight. So when they’re usually launched they’re priced cheaply and can quickly change depending on how many are being booked. So if you can pounce when they’re launched, you’re often getting the very cheapest deal.
It releases tickets several times a year and I always tell you about them, today (Thursday) tickets go on sale via the Easyjet website for travel from 27 October 2019 – 28 March 2020 – so Christmas and February half term next year.
There is no exact release time – different seats are put on sale at different points throughout the day, so keep checking – and prices can and do change rapidly. So it’s a question of repeated trial and error to see if it looks good. Yet Easyjet have said that all the seats will be released at usually around 6am – so assuming that’s a goer – go quick.
I can’t guarantee that today will have the cheapest tickets, as if there’s no demand prices might drop later. But when I told you about the tickets release last time I received great feedback – like Ellis who tweeted at 9:50 am: “booked EasyJet flights this AM for Cyprus, 7 of us at Easter - I paid £815. Same flights now a whopping £2226! A 'saving' of over £1400! Cheers for the heads up!”
Free McDonald’s Cheesy Bacon Flatbread with £1 hot drink. Download theMcDonald’s app and until this Sunday (14 April) you can get a free Cheesy Bacon Flatbread for breakfast before 10.30am (normally £1.49) when you buy any hot drink (the cheapest is a single espresso shot for 89p or tea for 99p, other coffees cost up to £1.50ish). To get it, in the app click on ‘deals’ and then add the offer of a free flatbread to your order. Then select the hot drink and pay for it in the app, the flatbread will be automatically be added to your order for free. Then when in the restaurant, you’ll be given an order number to collect for your meal. You can only get it once.
Check your 2019/20 tax code- MILLIONS are wrong, and it could cost you big.The new tax year started last Saturday (6 April) and that means everyone gets a new tax code, which effects your take-home pay, so if wrong it can mean nasty surprises. It’s your responsibility to check your tax code is right, not your employers. The basic code is 1250L – which when you add an extra zero on the end shows the amount you can earn before paying tax (£12,500). But if you’ve changed jobs, have more than one job, get employee benefits or are receiving more than one pension, you may have the wrong tax code – so check – there are free online calculators to help. And if wrong contact HMRC ASAP on 0300 200 3300.