MoneyHQ: compare bills, savings and credit, with the catch printed next to every offer
This week’s best
William checked the market. These are the offers worth knowing about.
Updated Fri 8 Aug · 09:00
This week in 47 seconds
…the £185 is real money, not points. It lands in seven working days…
William’s weekly brief
The six offers worth knowing this week. New every Friday.
0:00 / 0:47
Bank switching
NOW EXPLAINING
Get £185 to switch banks
£185
Best current switching bonus
No commissionSee offer →
Energy
Fix energy £212 below the cap
−£212
A year, vs typical cap spend
We may earn commissionSee offer →
Broadband
Full fibre for £24 a month
£24/mo
Full fibre 150Mb · new-customer price
We may earn commissionSee offer →
Cash ISAs
Cash ISA paying 4.60% tax-free
4.60%
Flexible · full £20k allowance
We may earn commissionSee offer →
Placeholder offers: live, every figure carries its source and date. How MoneyHQ makes money →
THIS WEEK · 0:47
“…the £185 is real money, not points. It lands in seven working days…”
This week’s best
Fri 8 Aug
Banks
Get £185 to switch
£185
Savings
Easy-access savings at 4.85%
4.85%
Energy
Fix £212 below cap
−£212
Autoplays muted · Tap for sound · New every Friday, same as the email
Full fibre for £24 a month
We may earn commission
£24/mo
30GB SIM for £7 a month
We may earn commission
£7/mo
Cash ISA paying 4.60% tax-free
We may earn commission
4.60%
All of this week’s offers →Checked 09:00
The marketplace
Browse today’s offers
William picks the standouts. Here’s what else is worth comparing.Compare the rest of the market.
Bank switching
Best switching bonuses right now
First Direct
MoneyHQ pick
£185
Switching bonus
No monthly fee
Paid within 7 working days
No monthly fee
Club Lloyds
£175
Switching bonus
Fee waived in year one
Paid within 10 days
Fee waived year one
NatWest
£150
Switching bonus
£1,250 minimum pay-in
Paid within 7 days
£1,250 min pay-in
TSB Spend & Save
£100
Switching bonus
Plus £15/mo cashback
For the first six months
Plus £15/mo cashback
Santander Edge
£85
Switching bonus
1% cashback on bills
£3/mo account fee
1% cashback on bills
Savings & Cash ISAs
Top savings & Cash ISA rates
Chip Instant Access
Best rate
4.85%
AER variable
Easy access
FSCS protected
Easy access · FSCS
Coventry BS
4.75%
AER variable
Easy access
Four withdrawals a year
Four withdrawals a year
Plum Cash ISA
4.70%
AER variable
Tax-free interest
£1 minimum deposit
Tax-free interest
Zopa Smart Saver
4.65%
AER variable
Easy access
App only
Easy access · App only
Paragon 1-Year Fix
4.61%
AER fixed
Fixed for 12 months
£1,000 minimum
Fixed for 12 months
Energy
Fixes that beat the cap
Estimates use Ofgem typical use, checked Fri 8 Aug
E.ON Next Fix 12
MoneyHQ pick
£1,451/yr
Estimated, typical use
£212 below the current cap
No exit fee
£212 below the cap
Octopus 12M Fixed
£1,469/yr
Estimated, typical use
£194 below the current cap
No exit fee
£194 below the cap
EDF Essentials 1Yr
£1,480/yr
Estimated, typical use
£183 below the current cap
£25 per fuel exit fee
£183 below the cap
So Energy 12 Fix
£1,495/yr
Estimated, typical use
£168 below the current cap
£5 per fuel exit fee
£168 below the cap
Broadband & TV
Best broadband offers
Vodafone Full Fibre
Price held
£24/mo
150Mb full fibre
24-month contract
No mid-contract rise
No mid-contract rise
Community Fibre
£26/mo
300Mb full fibre
24-month contract
London only
London only
Plusnet Full Fibre
£27/mo
145Mb full fibre
18-month contract
No setup cost
No setup cost
Virgin Media M125
£30/mo
132Mb fibre
18-month contract
Rise clause applies
Rise clause applies
Mobile & SIMs
Best SIM-only offers
Smarty
MoneyHQ pick
£7/mo
30GB · 1-month rolling
Unlimited calls & texts
EU roaming included
EU roaming included
iD Mobile
£8/mo
40GB · 1-month rolling
Unlimited calls & texts
Data rollover
Data rollover
Lebara
£9/mo
50GB · 1-month rolling
Keep your number
EU roaming included
Keep your number
Voxi
£10/mo
Unlimited social data
1-month rolling
Endless video add-on
Endless video add-on
Every offer shows its source, when we checked it, and whether it pays us. How MoneyHQ makes money →
Top offers
Offers worth taking
Checked before they go on the board, with the catch printed next to every one.
Why MoneyHQ
We show our working. Every single time.
Every offer shows its source, when we checked it and whether it may earn us money.Where the number came from, when we checked it, what the catch is, whether it pays us.
Bank switching
MoneyHQ pick
First Direct
£185
Switching bonus
Source
First Direct ↗Last checkedChecked
Not yet verified
MoneyHQ earns
We may earn a commission
Offer details
Eligibility applies · Pay-in required
This sits behind every offer on MoneyHQ.See full offer →
01
Rankings aren’t for sale: commission doesn’t buy position.
A higher commission doesn’t buy a higher position.
02
We tell you when we’re paid: no hidden commercial ties.
Commercial relationships aren’t hidden in the small print.
03
Every number has a source: and a checked date.
And a timestamp showing when we checked it.
How MoneyHQ makes money →Plain English
The UK Money Report
William’s Friday briefing on the offers, rates and changes worth knowing about.
Latest
What changed in your bills this week
The best bank switch hit £185, easy-access rates moved again, and one broadband rise is worth checking before September.
Read this week’s edition →
The savings rate moved. Here’s what matters.
Easy-access rates shifted twice this week. Plus the switch bonus worth knowing and a broadband increase to check.
Read edition →
Five offers worth checking before August
Banking, broadband, energy and SIM offers William thought were actually worth your time this month.
Read edition →
Get this every Friday: it’s the same email as the brief.
Meet your deal editor
William
Not a financial adviser. Just someone who reads the small print so you don’t have to.
He checks the offers, rates and changes featured across MoneyHQ, and explains the ones worth knowing about.
William · Deal editorMoneyHQ