Offers · ads labelled
UK money offers and comparison checks
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In short. Compare savings, energy, broadband, SIM-only plans and money transfers using provider information, practical checks and worked examples. These are selected starting points, not a live best-buy table or personalised quotes.
Each section explains what to compare, then links to a provider or free guidance. Money Guide is not FCA-authorised and does not list credit cards, loans, investments or pensions as offers. Marked affiliate links may earn commission. Our related services Instant Deed Poll and SwiftWill are disclosed where recommended elsewhere on the site. Check the date on each card, read the provider’s exact terms and get a current quote before acting.
Content updated:
Offers explained by category
Each section starts with how to compare that product type, then a selected example with figures reviewed 2026-09-12. No credit cards, loans, investments or pensions. We do not order examples by commission.
Banking & kids' cards
Quick answer: Kids' prepaid cards and children's bank accounts teach spending under parental limits — compare monthly fees against free high-street options before you subscribe.
A prepaid pocket-money card is not a credit product: the child can only spend what you load. That makes it useful for teaching budgeting, but the monthly app fee can outweigh the educational benefit if a free children's current account already does most of the job.
Check parental controls, spending limits, interest (usually none on e-money), and whether you need a separate adult bank for pocket-money transfers. Always confirm live fees on the provider site.
MoneyHelper
Children’s prepaid cards: compare fees and controls
In short. Compare a child’s prepaid card with bank-account alternatives on age eligibility, parental controls, total fees and how the money is protected.
Start with MoneyHelper’s prepaid-card guidance. A card may charge for a subscription, topping up, replacement cards or cash withdrawals. Compare the total for your family and how a parent can pause spending.
Check each separate product in a package. A spending balance, savings account and Junior investment ISA can have different access rules, protections and risks. This link provides free card guidance and does not promote a bundled investment product.
Who this example suits
- Parents comparing ways to give pocket money
- Families deciding whether paid controls justify their cost
- People checking how prepaid balances differ from bank deposits
What to check
- Free MoneyHelper guidance
- Compare all regular and transaction fees
- Check age eligibility and parental access
Upsides
- Explains how prepaid cards work
- Helps identify charges before signing up
- No commission to Money Guide
Watch outs
- Guidance does not supply a personalised recommendation
- Provider features and eligible ages vary
- A prepaid card balance and a bank deposit have different protection
Read our guides first
Compare fees
free prepaid-card guidance
Information only — this link earns us no commission.
Illustration only: a £4 monthly charge is £48 per child each year, or £144 for three children before any family discount. Compare that total with free alternatives and the controls you need. This is not a provider quote.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Savings & Cash ISAs
Quick answer: Compare Cash ISAs and savings on AER, bonus length, access rules and FSCS banking-group limits — not the headline rate alone.
Easy-access Cash ISAs often advertise a boosted first-year rate made up of a lower ongoing AER plus a temporary bonus. Ask what happens after month 12, whether older ISA transfers earn the bonus, and whether a promo code is required.
Marketplaces such as Raisin let you open accounts at several FSCS-protected partner banks under one login. Protection is £120,000 per banking group, not per brand — spread large balances accordingly. Rates change weekly; confirm live terms before opening.
Trading 212
Cash ISA: compare tracker and bonus terms
In short. Check Trading 212’s current Cash ISA tracker rate, any separately advertised bonus and the exact eligibility rules. This link supplies product information and does not promise a promotional rate.
The provider’s Cash ISA guide describes a variable rate linked to Bank Rate, daily accrual and monthly interest payments. Confirm the rate inside the Cash ISA before funding it.
A promotional rate can depend on the specific campaign, new-customer status, registration route, funding deadline and which deposits or transfers qualify. Read the linked current bonus terms; a rate advertised through another website may not apply through this link. Use an ISA transfer process to move an existing ISA.
Who this example suits
- Savers comparing Cash ISA terms and access rules
- People comfortable checking an app-based savings account
- Existing ISA holders checking transfer and bonus eligibility
What to check
- Provider Cash ISA information linked directly
- Compare ongoing AER and any separate bonus
- Check the current-year ISA allowance and transfer rules
Upsides
- Shows how the tracker rate is determined
- Product information explains interest payment timing
- Useful starting point for comparing a Cash ISA
Watch outs
- No promotional rate is promised by this listing
- Bonus terms can exclude existing customers or particular transfers
- A variable rate can fall
Read our guides first
Check AER
tracker rate and bonus eligibility
Information only — this link earns us no commission.
Illustration only: a £10,000 balance at a constant 4% AER earns £400 over a year; at 3.5% it earns £350. That £50 difference matters only if you qualify for the rate for the whole period. Neither figure is a Trading 212 quote.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Raisin UK
One login, many FSCS-protected savings accounts
In short. Raisin UK is a savings marketplace: you open fixed-term, notice and easy-access accounts at partner banks through one login, with FSCS protection up to £120,000 per banking group.
The provider’s how it works guide explains its savings marketplace and fees. Check the exact product, minimum deposit, access rules and whether it is a Cash ISA or taxable savings account.
Read Raisin’s deposit protection guide and the named bank’s depositor information. Add any money you hold directly or through other platforms under the same banking licence before applying the £120,000 standard limit.
Who this example suits
- Savers with more than £120,000 who need to spread FSCS cover
- People comparing fixed-term rates across several banks
- Anyone who wants one dashboard for multiple savings accounts
What to check
- One application, multiple partner banks
- FSCS protection up to £120,000 per banking group
- Fixed, notice and easy-access products
Upsides
- Spread larger balances across banking groups without separate applications
- Partner banks compete on rate to appear on the platform
- No Raisin fee to savers — the banks pay Raisin
Watch outs
- Compare rates available directly as well as on the marketplace
- Check each account’s ISA status, minimum deposit and withdrawal rules
- Money movement and withdrawal timings depend on the product
Read our guides first
£120k FSCS
per banking group, one login
Information only — this link earns us no commission.
Check the live rate table on Raisin before opening — rates change frequently and FSCS protection applies per banking group, not per account.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Money transfers
Quick answer: For sending money abroad, compare the mid-market exchange rate plus the upfront fee against your bank's hidden markup — the total cost matters more than either number alone.
A provider may charge a transfer fee, an exchange-rate markup, or both. Compare how much the recipient actually receives for the same amount sent; payment method, currency and speed can change the result.
E-money balances are safeguarded under FCA rules but are not the same as FSCS deposit protection. Check arrival times and recipient details carefully before you send.
Wise
International transfers at the mid-market rate
In short. Wise quotes the mid-market exchange rate with a separate fee. Compare the recipient’s final amount, payment method and delivery estimate with other quotes for the same transfer.
The provider’s pricing page describes its mid-market rate and fees that vary by currency and feature. Get a live quote for your exact route and payment method rather than applying an example fee to every transfer.
Ordinary Wise e-money balances are safeguarded rather than protected as bank deposits. Separate investment products are different and are outside this listing. Confirm recipient details and the total delivered after any receiving-bank charges.
Who this example suits
- People sending money to family or suppliers abroad
- Freelancers paid in foreign currency
- Travellers who want a multi-currency balance
What to check
- Mid-market rate — no hidden exchange-rate markup
- Fee shown upfront before you commit
- 40+ currencies; multi-currency account and card available
Upsides
- Shows exchange rate and fee before payment
- Can compare recipient amount against another live quote
- Offers different currency routes
Watch outs
- Fees and availability vary by route and funding method
- Safeguarding is different from FSCS deposit protection
- Another provider may offer a better final amount or delivery time
Read our guides first
Mid-market
exchange rate, fee shown upfront
Information only — this link earns us no commission.
Illustration only: compare £1,000 sent after all fees, not an advertised exchange rate alone. A £5 fee plus a weaker exchange rate can deliver less than a £10 fee at a better rate. Ask each provider for the final recipient amount at the same time.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Energy
Quick answer: Fixing energy can beat the Ofgem price cap when a 12-month tariff undercuts the cap at your real usage — always compare exit fees and unit rates, not just the monthly estimate.
A fixed tariff may cost less or more than a variable tariff; the result depends on your meter type, region, kWh and future tariff changes. Use an Ofgem-accredited comparison or regulator guidance, then confirm the quote with your usage.
Switching does not interrupt supply. New contracts usually have a 14-day cooling-off period. Diarise the fix end date so you are not rolled onto an expensive renewal.
Octopus Energy
Compare fixed energy tariffs at your usage
In short. Compare an Octopus fixed-tariff quote using your postcode, meter type and annual kWh. A fix sets the relevant tariff rates for its term; it does not fix how much energy you use or guarantee a saving.
Use Octopus’s tariff page to get the options available for your home. Record gas and electricity unit rates, standing charges, term and exit fees, then compare the same usage with your current tariff and other suppliers.
Check whether a specialist tariff requires a smart meter, electric vehicle or particular usage pattern. A low overnight rate can be offset by a higher day rate. Read the terms for your actual quote before switching.
Who this example suits
- Households comparing a current fixed-tariff quote
- People who value certainty about tariff rates
- EV owners able to compare day and night usage separately
What to check
- Postcode and meter details required
- Compare annual kWh rather than direct-debit estimates
- Check tariff-specific eligibility
Upsides
- A fixed tariff can give certainty about unit rates
- Provider tariff information available directly
- Specialist tariffs may suit particular usage patterns
Watch outs
- Total bills still change with energy use
- Exit fees and equipment requirements vary by tariff
- A fix can cost more if variable tariffs fall
Read our guides first
Compare kWh
your usage, region and tariff terms
Information only — this link earns us no commission.
Illustration only: a 1p/kWh difference on 2,700kWh of electricity is £27 a year. A 5p/day higher standing charge costs £18.25 a year. Compare both, plus any gas and exit fees; these are example inputs, not a live Octopus offer.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Ofgem
How to compare energy deals safely
In short. Ofgem publishes free, independent guidance for households on comparing gas and electricity tariffs and switching supplier — Money Guide earns nothing from this link.
Regulator guidance is the safest starting point before you use any commercial comparison site. It explains exit fees, contract end dates and how the price cap interacts with fixed deals.
After reading Ofgem's advice, plug your usage into our energy tariff comparator and our cheap energy deals guide, then confirm any quote on an accredited switching site.
Who this example suits
- Households unsure whether to fix or stay on the cap
- People who want regulator guidance before commercial comparisons
- Anyone checking broadband or mobile deals alongside energy
What to check
- Free, independent energy guidance from Ofgem
- Explains switching without supply interruption
- Pairs well with our tariff comparator tool
Upsides
- Independent of suppliers and comparison panels
- Clear on consumer rights when switching
- No commission to Money Guide
Watch outs
- Does not show a live personalised quote by itself
- You still need your usage and meter details to act
- Regional suppliers may need a separate check
Read our guides first
Free guide
Ofgem switching advice
Information only — this link earns us no commission.
Use annual meter usage, tariff unit rates and standing charges in a like-for-like comparison. A lower monthly direct debit alone is not evidence of a lower annual tariff cost.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Broadband & mobile
Quick answer: Compare broadband and mobile on total contract cost, speed you actually need, mid-contract price rises and exit fees — not the first-month promo alone.
Alt-net full fibre often undercuts big-four renewal pricing where available, but coverage is postcode-dependent. Check One Touch Switch timelines, setup fees and what the price becomes after the minimum term.
SIM-only mobile plans on 30-day rolling contracts avoid credit checks and annual price rises on some networks. Match data allowance to real usage and check EU roaming caps if you travel.
Community Fibre
Full fibre: compare the whole contract cost
In short. Check whether Community Fibre serves your exact address, then compare the minimum-term total including any scheduled increases, setup charges and the price when the contract ends.
Enter your address on Community Fibre to see available packages. Compare the speed you need, upload speed, router, installation and minimum term with equivalent quotes. A national headline cannot confirm eligibility at your home.
Read the provider’s in-contract price policy and the dates and amounts in your contract summary. Check any introductory months, out-of-contract price, cancellation charge and effect on a linked phone service.
Who this example suits
- Households in alt-net coverage areas paying high out-of-contract rates
- Home workers who need reliable upload speeds
- People happy to check postcode availability before switching
What to check
- Exact-address availability check
- Compare upload as well as download speed
- Include scheduled price increases in total cost
Upsides
- A full-fibre option where the network is available
- Can compare packages against a big-provider renewal quote
- Provider publishes its contract price-increase policy
Watch outs
- Network coverage is limited to served addresses
- Introductory prices may cover only part of the term
- Installation, term and cancellation conditions must be checked
Read our guides first
Whole term
availability and total contract cost
Information only — this link earns us no commission.
Illustration only: six months at £20 plus eighteen months at £25 costs £570 over 24 months, averaging £23.75 a month before setup fees. Add every scheduled increase. This is a comparison example, not a Community Fibre quote.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Lebara
SIM-only: check allowances and full-term price
In short. Lebara offers SIM-only plans using Vodafone’s network. Compare the specific plan’s data, international calls, roaming and term; this listing does not promise a particular introductory deal.
Use your recent data bills and the Lebara coverage and plan information to choose an allowance. Check whether you are selecting a 30-day plan or a longer term, whether your phone is compatible and how cancellation works.
Read the exact promotion before ordering: new-customer restrictions, introductory period, subsequent price, roaming data cap and international destinations can vary. The marked link is an affiliate link; its current landing-page offer is not independently verified here, so no exclusive price or discount is promised.
Who this example suits
- People comparing SIM-only plans for their existing phone
- Users checking the countries included in international minutes
- People comparing short rolling plans with longer commitments
What to check
- Uses the Vodafone network
- Check the exact plan and contract duration
- Read roaming and international-call limits
Upsides
- Provider offers a range of SIM-only allowances
- 30-day options can reduce long-term commitment
- Prepaid options can avoid a phone-credit agreement
Watch outs
- Promotions and eligibility differ by route and plan
- Roaming and international calls are subject to limits
- Check coverage at home and work before switching
Read our guides first
Ad
Check plan
allowances, term and renewal price
Illustration only: £3 a month for three months then £9 for nine months costs £90 in year one, averaging £7.50 a month. Compare the full year and cancellation terms. This is not a current Lebara offer.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
Insurance comparison
Quick answer: Shop insurance on cover level and exclusions first, price second — and use free independent guidance before you buy on any comparison site.
Car, home, life and travel premiums vary sharply between insurers for the same risk. Match excess, rebuild values, medical declarations and optional add-ons like-for-like before chasing the cheapest quote.
Money Guide is not FCA-authorised for insurance distribution. The links below go to MoneyHelper's free insurance guidance — information only, no commission — so you can learn what to compare before using an authorised broker or comparison firm.
MoneyHelper
How to compare car insurance quotes
In short. Compare car insurance before renewal using the same cover, excess and drivers. Check the total annual cost, including any charge for paying monthly.
Auto-renewal is often more expensive than a fresh quote. Start with the cover you need (comprehensive vs third party, excess, named drivers, telematics for young drivers), then price that package across insurers.
This link goes to MoneyHelper's free insurance guidance — not a paid comparison panel. Money Guide earns nothing from it. When you are ready to buy, use an FCA-authorised broker or comparison site and read the policy summary before you pay.
Who this example suits
- Drivers approaching renewal who usually click auto-renew
- Young drivers considering telematics
- Anyone who wants free guidance before using a comparison site
What to check
- Compare multiple insurers in one session
- Match cover levels like-for-like
- Telematics options for young drivers
Upsides
- FCA fair pricing rules still reward shopping around
- Reveals insurers that price your risk profile cheapest
- Quick to rerun if your circumstances change
Watch outs
- Some direct insurers may not appear on comparison panels
- A cheaper quote can have a larger excess or fewer extras
- Paying monthly may involve credit checks and interest
Read our guides first
Compare cover
guidance, not a personalised quote
Information only — this link earns us no commission.
Illustration only: £650 a year and a £250 compulsory excess is not directly comparable with £600 and a £600 excess. Include any voluntary excess and check that you could afford the total if you claimed.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
MoneyHelper
How to compare home insurance quotes
In short. Compare buildings and contents on rebuild value, single-item limits and excess — not premium alone — and re-quote at least once a year.
Underinsurance can reduce a claim payment under the policy’s terms. Use a rebuild calculator for buildings cover and list high-value items separately for contents.
Flood risk, subsidence history and listed buildings often need specialist routes. This MoneyHelper link is free guidance with no commission to Money Guide.
Who this example suits
- Homeowners renewing buildings and contents together
- Renters who only need contents cover
- Households in flood or high-crime postcodes
What to check
- Bundle or separate buildings/contents quotes
- Flood Re cover in high-risk areas via mainstream insurers
- Accidental damage optional
Upsides
- Finds insurers comfortable with your flood or subsidence risk
- Highlights when bundled cover beats separate policies
- Free to quote — no obligation
Watch outs
- Underinsurance can reduce a claim payment; check the policy wording
- Excess and add-ons vary
- Unusual construction or property risks may need specialist advice
Read our guides first
Check limits
rebuild value, contents and excess
Information only — this link earns us no commission.
Illustration only: a £1,500 single-item limit may not fully cover a £2,500 item without separate declaration. Check the policy terms and any overall valuables limit; this is not an insurance quote.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
MoneyHelper
How to compare term life insurance
In short. Compare level term life cover on sum assured, term length, joint vs single policies and whether critical illness or indexation is included — prices vary sharply for the same profile.
Term life pays a lump sum if you die within a set period. Decreasing term is often used with a repayment mortgage; level term suits family income replacement. Writing a policy in trust can speed payouts and keep proceeds outside the estate for probate.
Declare medical history accurately. This link is MoneyHelper guidance only — Money Guide earns no commission — then buy through an FCA-authorised adviser or insurer if you decide cover is right for you.
Who this example suits
- Parents or homeowners with dependants
- People comparing joint vs two single policies
- Anyone reviewing cover after a new mortgage
What to check
- Quotes in minutes
- Trust wording options
- Decreasing cover for mortgages
Upsides
- Prices vary sharply between insurers for the same profile
- Terminal illness benefit often included
- Writing in trust can speed payouts
Watch outs
- Cheapest quote may exclude indexation or critical illness
- Pre-existing conditions must be declared
- Joint policies pay once — two singles may suit some couples
Read our guides first
Match needs
sum insured, term and exclusions
Information only — this link earns us no commission.
Illustration only: £200,000 of level-term cover and £200,000 of decreasing-term cover do not promise the same future payout. Compare the cover over the whole term and any exclusions; get a quote for your age and medical history.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
MoneyHelper
How to compare travel insurance
In short. Declare medical conditions, check medical cover limits for your destination (especially the USA), and compare excesses — the cheapest policy is often the wrong one.
Single-trip cover suits one holiday; annual multi-trip can be cheaper if you travel several times a year. Winter sports, gadgets and cruise itineraries usually need add-ons.
Airline checkout insurance is rarely the best value. Use MoneyHelper's free guidance (no commission to us), then buy from an authorised insurer after medical screening.
Who this example suits
- Families booking holidays who need medical screening
- Frequent travellers comparing annual multi-trip policies
- People with pre-existing conditions who need specialist panels
What to check
- Medical screening tools
- Annual cover for frequent travellers
- Gadget and winter sports add-ons
Upsides
- Specialist panels for pre-existing conditions
- Often cheaper than airline add-ons at checkout
- Cooling-off rights on distance contracts
Watch outs
- Cheapest policies may have low baggage limits
- Undeclared conditions void medical claims
- Excess per section varies
Read our guides first
Check cover
medical conditions and trip details
Information only — this link earns us no commission.
Illustration only: £3,000 cancellation cover per person may not fully protect a £5,000 non-refundable trip per person. Match cover to the booking, activities and destination; this is not a premium quote.
Information checked 2026-09-12 — confirm live rates on the provider’s site.
This page only lists categories we can cover without FCA authorisation (for example savings, energy, broadband, transfers and insurance guidance). We do not sell or take commission on credit cards, personal loans, investments or pensions. For educational explainers on borrowing, see our credit guides — always verify live terms and eligibility on the provider's site before applying.
AdMoney-saving products on Amazon*
Product types our guides recommend for budgeting, cutting bills and avoiding fraud — the buttons search Amazon so you can compare live prices and reviews yourself. We do not display prices here; check them on Amazon. Reviewed 2026-07-15.
Budget planners & expense trackers
A paper planner suits people who find apps easy to ignore: monthly budget pages, bill trackers and savings-goal spreads make the 50/30/20 method tangible. Undated versions let you start any month.
Energy-monitoring smart plugs
Plug one into a suspect appliance and it shows exactly how many kWh it draws — the quickest way to find which devices are inflating your electricity bill and which are cheap to run.
Home paper shredders
Bank statements, bills and pre-approved credit offers in your recycling are raw material for identity fraud. A cross-cut or micro-cut shredder destroys account details before they leave the house.
Kids' money boxes & saving jars
Physical money boxes — including counting and PIN-lock designs — help younger children grasp saving before they move to a card or account. Pairs well with a regular pocket-money routine.
UK personal finance books
A well-chosen book is still one of the cheapest ways to improve your money habits — look for UK-specific titles so the tax, pension and ISA rules actually match the system you live under.
Related guides
FAQ
- Which Cash ISA example is listed on this page?
- Trading 212’s Cash ISA is an example for comparing a variable tracker rate with campaign-specific bonus terms. We link to its Cash ISA product information and promise no promotional rate. Confirm new-customer, funding, transfer and application-route conditions for any campaign you choose.
- Is Raisin UK covered by the FSCS?
- Savings held through Raisin sit with partner banks. FSCS protection of up to £120,000 applies per banking group for eligible deposits — not per brand name on the marketplace. Spread larger balances across different licence groups and confirm the bank behind each product on Raisin's site before you deposit.
- Should I fix my energy tariff now?
- Compare a live fixed-tariff quote with your existing tariff using the same annual kWh, unit rates, standing charges and exit fees. A fix does not guarantee a saving if future variable prices fall. See our moneyguide.org.uk/bills-utilities/cheap-energy-deals guide and use the moneyguide.org.uk/tools/energy-tariff-comparator before you switch.
- Does Lebara need a credit check?
- Lebara advertises SIM-only options without a credit check. Check the exact plan: the provider also lists different contract durations, and allowances and promotions vary. Bring a compatible phone and read current terms. The marked link is an affiliate link and does not promise an exclusive deal.
- Does Money Guide earn commission from these links?
- Marked affiliate links may earn commission when you complete a qualifying action. Free guidance links to MoneyHelper and Ofgem do not earn commission. Instant Deed Poll and SwiftWill share Money Guide’s operator and are disclosed as related commercial services where recommended. Read our funding explanation for how each type of link works.
- Why are there no credit card, loan, investment or pension offers on this page?
- Money Guide is not authorised by the Financial Conduct Authority. Taking commission for introducing customers to lenders or credit brokers is credit broking — a regulated activity — so we do not list or earn commission on credit cards or loans. Investment and pension promotions by unauthorised publishers must be approved by an FCA-authorised firm (section 21 FSMA), so we do not list those products as offers either. Educational guides on those topics remain available elsewhere on the site.
- Is this page personal financial advice?
- No. Money Guide is not a financial adviser and is not authorised or regulated by the Financial Conduct Authority. This page is general information to help you compare non-credit offers — not a personal recommendation. For advice tailored to your circumstances, speak to an FCA-regulated adviser or a free service such as MoneyHelper.