• >
  • Our guides

Our guides

Our guides show you the best ways to make your money go further and work harder. They contain all the latest financial information and are set out clearly to help you make smart decisions.

adults-using-laptop-at-table-with-paperwork

Prepaid bank accounts explained

You could be accepted for a prepaid current account without a credit check, but they can be expensive. Here are the advantages, disadvantages, costs and what you can use them for.

Read More
older-man-on-phone-looking-at-credit-card

What are direct debits and standing orders?

They are automatic payments from your bank account. They can stop you missing a payment and take away the hassle of paying manually. Here is how they work and when you can use them.

Read More
woman-on-phone-in-the-street

How to keep your bank account secure

Here is how to keep your bank account, debit card and personal details safe when you use them online or in person.

Read More
girl-paying-by-mobile-phone.

How to pay with contactless and Paym

You can use contactless payments to quickly and easily buy things with your debit card, credit card or mobile phone. You can use Paym to send and receive payments to and from other bank accounts with your mobile phone. Here is how they work.

Read More
young-business-people-working

How to find the best charity bank account

A current account for your charity, community group or voluntary organisation can offer a safe home for donations. Here is how manage your charity's money and pay its bills.

Read More
child-calculator-piggy-bank-and-paperwork.

How to get a bank account for under 18s

Whether you’re interested in opening a bank account for a child or baby, we’ll help you choose and open the right account for your little one.

Read More
woman-using-laptop-and-phone-on-sofa

How to switch your bank account

Switching to a new current account is easier than ever and could save you hundreds of pounds. Here is how to get a new bank account in just seven days.

Read More
older man on sofa with laptop

How does online banking work?

Internet banking helps you keep track of your balance and make payments 24 hours a day without going to a branch. Here is how to bank online on your computer, phone or tablet.

Read More
retired-couple-jogging

How do joint bank accounts work?

You can get a joint current account to help you share expenses or bills with your partner, housemate or a family member. Here is how they work, their risks and how to choose the right one.

Read More
woman-using-cash-machine-with-card

4 ATM scams you need to know about

Millions of pounds are stolen at UK cash machines each year; here are 4 scams you need to look out for when you withdraw cash at an ATM.

Read More
concerned-couple-looking-at-bills

Can I switch bank accounts if I'm in my overdraft?

Being in your overdraft does not have to mean you are tied to your bank account forever. Here is how it is still possible to switch to a better deal.

Read More
a-man-writes-a-cheque

How does cheque clearing work?

We investigate the process behind clearing a cheque to find out exactly how it works - and why in a world of instant technology it can still take so long.

Read More
Photo of young couple listening to some man sitting in front of them at the desk

Where to go for financial advice

Where you go for financial advice depends on what you would like to achieve with your money. Find out what sort of adviser you need with our guide.

Read More
Woman working on computer in greenhouse

Should I get a pension?

Making sure you plan for retirement is essential, but how do you know if a pension is really worthwhile? We investigate the pros and cons of a traditional pension as well as some alternative ways to save for retirement.

Read more about getting a pension
Older couple, walking on a beach

What are pensions?

You can use a pension as an income during your retirement, but there are several types and many rely on how much money you put into them. Here is how they work.

Read about what pensions are
Three man in a meeting, 1 on the phone

What are defined contribution and defined benefit pensions?

Most people have either a defined contribution or a defined benefit pension, but do you know which is which and understand the difference between them? Here’s what you need to know.

Read more about defined contribution and benefit pensions
Woman working on a laptop in a workshop

What are employer's pensions?

If you work for someone you could be savings towards your retirement through an employer's pension. Here is what they are and how they work.

Read more about employer's pensions
happy couple sitting on sofa reading paperwork

How to manage your pension fund

After you begin paying into your pension fund there are still things you can do to help it grow. Here is how to manage your pension and what you should do with it when you retire.

Read more about managing your pension fund
A grandad and grandson playing on the floor

How to invest in a SIPP

Self Invested Personal Pensions (SIPP) let you plan for your retirement without the need for a workplace pension. Here is how they work and what you should look out for.

Read more about SIPP's
Female florist arranging a flower bouquet

What does auto enrolment mean for your business?

All employers are legally required to enrol eligible employees into their workplace pension scheme automatically - here is what this could mean for your business.

Find out what auto enrolment means for your business
serious man on a laptop in a cafe

How new pension and annuity rules affect you

Here is where you can find the latest pension and annuity changes in the UK and how they will affect your retirement.

Find out more on the new pension and annuity rules
Bar business owner talking on phone and using a tablet

How to choose the right pension scheme for your business

Choosing the right pension scheme for your business can help make your employees feel valued and financially secure. Here is how to pick a business pension scheme.

Read more about pension schemes for your business
Older woman looking at laptop

How is your pension taxed?

When you retire you could end up paying tax on any money you withdraw from your pension. Here is how tax will affect your pension.

Find out more on how your pension is taxed
Male business owner, leaning on bench looking at laptop

What is pension auto enrolment?

The law has changed and your employer must offer you a workplace pension to save for your future, here is how it will work.

Find out what pension auto enrolment is
workspace with exposed brick walls, steel beams and arch ceilings

How to manage auto enrolment after your staging date

Once your workplace pension scheme is up and running the work does not stop there. Here is how to manage your pension after your staging date has passed.

Read more about managing your auto enrolment

How to prepare for redundancy

The possibility of redundancy is something most workers fear. But preparing for the worst and knowing your rights beforehand, can go a long way in helping you get through the tough times.

Read More
Older man, sitting on sofa working on laptop

What is an annuity?

When you retire and get your hands on your pension, it is difficult to know how to use your money. Here is how an annuity can turn your pension funds into a guaranteed income for life.

Read more about annuity
couple-new-home

A first time buyer guide to buildings insurance

There are a lot of costs to consider when buying your first home, but buildings insurance is one you can’t ignore.

Read More
Businessman using broadband

How to get a business loan

If you want to take your business to the next level but don’t have the funds to do so, you could consider getting a business loan.

Find out how to get a business loan
a cluster of credit cards

When should you use a credit card or debit card?

When it comes to credit cards vs. debit cards, is one better than the other? Each has its advantages, so it's useful to know when to use one over the other.

Read More

What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

Read More
Model of house with bags of money

What the new stamp duty holiday means for you

The chancellor has extended the temporary changes to stamp duty to help cut costs for anyone buying a home during the COVID-19 pandemic. Here's what it means for you.

Read More
A graphic showing a sandcastle in a pink circle. Underneath the title reads: Safecation. The new post-lockdown staycation. Brought to your by money.

The Safecation Report

With the end of lockdown in sight, searches for staycation holidays surged in popularity. With this in mind, the consumer spending experts at money.co.uk have mapped out the perfect locations for a safe staycation in the Safecation Report.

Read More
Leasehold vs freehold

Leasehold vs freehold: Which should you get?

If you’re looking to buy a property in England or Wales, you’ll notice that they’re either listed as leasehold or freehold. But what’s the difference? We’re here to explain the terms, and share what they might mean for you as a property owner.

Read More
A picture of a restaurant with cutlery and condiments on a table.

Coronavirus: A restaurant owners’ guide to the ‘Eat Out to Help Out’ scheme

The Government-backed discount scheme aims to support the restaurant and leisure sector. Money.co.uk has put together this helpful guide to show you how your restaurant business could benefit.

Read More
'this store is now closed' sign on door sprayed with white paint illustrating economic down turn on British high street

What will the future hold for the great British high street?

With effects of COVID-19 restrictions impacting the high street, our consumer spending experts predict what the future of the high street could look like

Read More
Row of typical english houses

How will coronavirus affect the property market?

Find out what impact COVID-19 could have on the property market and what it could mean for home buyers and sellers.

Read More
Photograph of a gloved hand holding keys in front of a house

A guide to the impact of coronavirus on selling your house in 2021

Personal finance expert outlines the things you need to know when thinking about selling your house in 2021

Read More
A graphic showing a large shopping bag with the recycling logo in centre, a rubbish bin with 0% annotated, and 3 people holding plastic-free food.

Sustainable shopping on a budget

The consumer spending experts at money.co.uk have put together a guide on sustainable shopping on a budget to help you make greener choices without breaking the bank.

Read More
Graphic to illustrate savings calculator from money.co.uk

Lockdown legacy best savings calculator | work out how much you could save

The personal finance experts at money.co.uk have developed a best savings calculator to reveal how much you could save if you stick to your lockdown savings habits.

Read More
Candles

What is the cost of death?

The costs associated with dying are not a lot of fun to think about, but planning ahead could save you and your loved ones thousands when the time comes.

Read More
couple-using-tablet-to-buy-stuff-online

Amazon Prime Day 2019: 6 tips for getting the best deals

Looking for a bargain on your next electronics purchase? Follow these tips and you could save big on Amazon's biggest shopping event of the year.

Read More
Students walk and talk using mobile devices in university

A personal finance guide to student budgeting

If you’re starting or returning to university in September, here are some tips to help you keep your costs down before, during and after your studies.

Read More
An illustration of a future high street which includes the bakers, a sustainable shop, a family butchers, a click-and-collect store, and al fresco dining.

The 2020 high street report

As coronavirus closures mean that the high street will look very differently by the end of 2020, the consumer spending experts at money.co.uk investigate the iconic high street's past, present and potential future in the 2020 High Street Report.

Read More
Crowd cheering at sports stadium sports game

Top 50 most viewed sports highlights

There's no doubt that Brits have missed their summer of sport this year. With sports such as Football, Rugby, Cricket, Tennis and Horse racing being at the forefront of the most loved sports in Britain, money.co.uk have revealed the top fifty moments across the board to compensate for the summer of (no) sports.

Read More
Central London skyline overlooking the sunset

As lockdown measures begin to be lifted, money.co.uk reveals the top London pubs to enjoy a socially distanced drink

As lockdown measures begin to be lifted, money.co.uk has analysed the top 30 hot spots in London for your first socially distanced pub visit.

Read More
Hiding pets

How much does a pet cost?

Getting a pet is an emotional decision, but it’s important not to forget about the cost. Here are some key costs to think about so that you can make sure looking after your pet properly won’t be too expensive.

Read More
Classic-cars

How to find the right classic car insurance

The right classic car insurance can significantly cut your annual premiums. Whether your vehicle is a vintage classic or a trusty labour of love you can’t bear to replace, this guide has you covered.

Read More
Graphic to illustrate the new Degree Valuation Calculator by money.co.uk

Degree valuation calculator

What's the true value of a university degree and does having one impact on future earnings and happiness? The experts at money.co.uk have investigated and created a degree valuation calculator to reveal the results

Read More
How to get a remortgage?

How to get a remortgage

Getting a new mortgage deal could cut the interest you pay and save thousands of pounds. Here is how to remortgage to a better deal, avoid fees and reduce what you pay each month.

Read More
Man wearing a blue face mask and checkered shirt placing a mask on boy in red jumper

As spending for Father's Day 2020 is set to fall by 30%, personal finance experts offer budgeting tips

After months of lockdown and with social distancing measures continuing, has the way we plan to celebrate changed? Research from money.co.uk reveals what a socially distanced Father's Day means for the UK.

Read More
A lilac background with a gold diamond graphic which reads: The Brand-a-Lust Report - brought to you by Money

Brand-a-Lust: Revealing The UK’s Top Lockdown Brands

The unexpected brands we’ve been loving the most during lockdown.

Read More
Graphic of guide

A guide for employers and making redundancies

The personal finance experts have created a guide for employers facing the difficult process of redundancies

Read More
Image of blackboard with text reading "know your rights"

Understand your rights if you are made redundant during the coronavirus pandemic

The personal finance experts at money.co.uk explain the rights of employees made redundant during the coronavirus pandemic

Read More
A graphic illustrating the returns process between store and customer

A guide to consumer retail rights from personal finance experts

As more shops reopen, our personal finance experts outline your consumer rights in a handy to use guide

Read More
photograph of a middle aged woman looking shocked with head in hands.

A personal finance guide on how to defend yourself against coronavirus scams

This guide offers tips on how to protect your finances from scammers during COVID-19 lockdown

Read More
Graphic of two doctors with text to illustrate the money.co.uk article Surgery in Searches.

The most popular cosmetic procedures in Europe, according to Google searches.

We analysed the most searched for cosmetic surgeries across 31 countries, to determine the most popular procedures in Europe.

Read More

Childhood Dream Job Calculator

Discover what you’d be earning now if you’d pursued your childhood dream job with money.co.uk’s Dream Job Calculator. Would you be better off? Find out here.

Read More
Hand of older man taking notes in a book with a tablet to the side

Can you transfer your pension?

You can move your pension but there could be unexpected costs for doing so. Here is how to transfer your pension and what you should think about before you do.

Read more on transfering your pension
image of cubes spelling out "holi" in separate cubes, followed by the word "stay" on another cube to represent a staycation

Coronavirus: UK holidays and ‘Staycations’

Here are some cost-cutting tips if you’re considering a UK holiday this year. Is it worth getting travel insurance?

Read More