Up to £1,013 off iPhone 18, 5% easy access, £300 to switch banks
This edition was published on 9 October 2026. Offers and rates mentioned were correct when published and may have changed since. See today’s verified offers →
THIS WEEK
Hi there, William here.
Energy is forecast to rise in January, Barclays is paying £300 to switch, and the iPhone 18 deal below beats the networks' own shops by up to £1,013.
I check every offer myself and tell you the catch before you click. Some links pay MoneyHQ a commission. It never costs you more.
In this email
01 iPhone 18: up to £1,013 cheaper than the networks' own shops
02 Energy: fix your price before January's forecast rise
03 Savings: Starling's new 5% easy access saver
04 Bank switching: Barclays now pays £300 to switch
05 The MoneyHQ app: now on Android as well as iPhone
01 · DEAL OF THE WEEK
The iPhone 18 Pro and Pro Max for up to £1,013 less
We put our best deal against the networks' own shops, and it came out up to £1,013 cheaper over two years.
Right now, with £29 upfront, 100GB of data and a 24 month contract:
iPhone 18 Pro: £56.99 a month
iPhone 18 Pro Max: £60.99 a month
Samsung S26 Ultra: £39.99 a month
The catch: a good phone deal is only worth it if you were going to buy the phone anyway.
02 · ENERGY
Energy bills are forecast to rise again in January
The price cap is £1,723 a year for a typical household right now. Forecasts for January range from about £1,872 to £1,999, a rise of roughly £150 to £275 a year. Ofgem confirms the real figure in late November.
Most homes are on a variable tariff, so their bill goes up when the cap does. A fixed deal locks your price in for the length of the deal, and some fixes are already priced below today's cap.
The catch: a forecast is a best guess, and prices may rise less, or not at all. Most fixed deals have exit fees, so check them before you switch.
03 · SAVINGS
Starling has launched a 5% easy access saver
Not many big names pay a good easy access rate, but Starling has just changed that. Save up to £25,000 at 5%, currently one of the top rates we see.
The catch: the 5% is a boosted rate for 6 months. After that it drops to 2.5%.
04 · BANK SWITCHING
Get £300 to switch to Barclays
Barclays has a new switch offer paying £300, although it takes more effort than some of the others. Work through the offers from several banks and you can get over £1,000 right now. The full list is on the page below.
The catch: the £300 is paid over 6 months, with £150 up front, and there are more steps than with most other offers.
05 · The app is on the App Store and Google Play
The MoneyHQ app is now on iPhone and Android
Google has finally approved us, so the app is live on both the App Store and Google Play.
Everything we check, in one place on your phone:
Get alerted when a new top deal lands.
Quick access to MoneyHQ's tools.
Every comparison a tap away.
NEW ON YOUTUBE
The 5 best UK bank accounts in 2026
Five minutes on the current accounts actually worth having this year, what each one gives you, and who should not bother. If one of them suits you, the switch bonus is sitting on the site.
Live on TikTok
Come and ask MoneyHQ live
We go live on TikTok and find people the cheapest deal on the spot. Tell us what you are paying now and we will tell you there and then whether you can beat it.
Broadband: we found 900Mbps for £19 a month this week. Give us your postcode and we will see what is live at your address.
Phones: Samsung, Google or Apple, we will find you the cheapest way to get the one you actually want.
Energy and SIM only: same thing, worked out live while you watch.
There is no fixed slot yet, so follow us and TikTok will tell you the moment we go live.
William's weekly take
Big news for MoneyHQ: the app is finally out on both app stores, so iPhone and Android users can both get it.
The other big thing this week is energy. If the forecasts are right, most people won't notice until their bill lands in January and they are paying roughly £12 to £23 a month more. It is simple to avoid by fixing at a good price now.
MoneyHQ compares products. It is not financial advice. If you are unsure, speak to a regulated adviser.
NEW: TALK TO ME
Want me to check your bills? Book a free call
Tell me what you pay for broadband, mobile, SIM and energy, and I will check whether there is a genuinely better deal. If there is, I will email you the links. If you are already on a good deal, I will tell you that too.
The catch: it is free for you. If you switch, the provider pays MoneyHQ a fee, which never changes what I recommend.
Other news
Bill Audit is live: put in what you pay and see straight away whether a top deal beats it. Run a bill audit →
All our top picks in one place: the deals we hunt down live, with the real monthly price and any mid-contract rise. See the top deals →
BEFORE YOU GO
That's it for this week. Hit reply if you want me to look at a deal, I read every one.
Know someone overpaying for broadband? Send them your own refer link and you get £20 when they switch. Get your refer link →
William · Deal editor, MoneyHQ
You are getting this because you signed up to The UK Money Report by MoneyHQ. Some links earn MoneyHQ a commission. That never changes what William recommends or the order we show it, and you never pay more. Rates and offers are correct at the time of sending and can change.