moneyfacts blue coin icon

Money Guides

We've collated your most popular and most recently published money guides in one place for you. 

Advertisement

Our most popular money guides

guides icon
How much can I give as a cash gift and how is tax affected?

There are many reasons why you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.

There are many reasons why you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.

Read More
guides icon
Who Owns Whom? Check FSCS Protection

This guide reveals which brands operate under which banking licence, helping savers work out to what degree their savings are protected by the FSCS.

This guide reveals which brands operate under which banking licence, helping savers work out to what degree their savings are protected by the FSCS.

Read More
guides icon
What is a Trust Account?

A trust is where money or other assets are held on behalf of somebody else (known as a beneficiary). The beneficiary could be a child, an adult who lacks capacity to manage their own affairs or an organisation. Read our guide to find out more about trust accounts.

A trust is where money or other assets are held on behalf of somebody else. Our guide explains more.

Read More
guides icon
The difference between AER, gross rate and net rate

With AER, gross rate and net rate all ways of expressing the amount of interest paid by an account, find out the key differences between these three concepts.

With AER, gross rate and net rate all ways of expressing the amount of interest paid by an account, find out the key differences between these three concepts.

Read More
guides icon
Paying for your holiday with a credit card: Is it worth it?

Paying for a holiday on a credit card can help you manage the cost of your holiday and give you some extra protection. But there are some risks to consider too.

Paying for a holiday on a credit card can help you manage the cost of your holiday and give you some extra protection.

Read More
guides icon
Cash cards vs debit cards explained

Depending on the type of current account you have, you may be offered a cash or a debit card by your bank or building society. Discover the difference here.

Depending on the type of current account you have, you may be offered a cash or a debit card by your bank or building society. Discover the difference here.

Read More
guides icon
How to improve your credit score

Our guide sets out 11 steps to boosting your credit score, including making payments on time and keeping your credit utilisation low.

Our guide sets out 11 steps to boosting your credit score, including making payments on time and keeping your credit utilisation low.

Read More
guides icon
APR explained UK credit cards and loans

The annual percentage rate, is used as an indicator of the interest and charges you would have to pay back on an unsecured loan or credit card per year.

The annual percentage rate, is used as an indicator of the interest and charges you would have to pay back on an unsecured loan or credit card per year.

Read More

All our money guides

guides icon
A guide to the Financial Conduct Authority UK

Our guide to the Financial Conduct Authority. Everything you need to know as a UK consumer.

Our guide to the Financial Conduct Authority. Everything you need to know as a UK consumer.

Read More
guides icon
The guide to budgeting for Black Friday

Black Friday is one of the biggest shopping events of the year. Some deals on this day can save UK consumers a significant amount of money on items such as clothes, electronics, and jewellery. Below we have explained how to use this holiday to your advantage.

Black Friday is one of the biggest shopping events of the year. Our guide explains how you can plan and budget for it.

Read More
guides icon
Who Owns Whom? Check FSCS Protection

This guide reveals which brands operate under which banking licence, helping savers work out to what degree their savings are protected by the FSCS.

This guide reveals which brands operate under which banking licence, helping savers work out to what degree their savings are protected by the FSCS.

Read More
guides icon
What are mortgage exit / redemption fees?

Borrowers may not realise that many mortgage providers charge exit/redemption fees. Read our complete guide to find out more.

Borrowers may not realise that many mortgage providers charge exit/redemption fees. Read our complete guide to find out more.

Read More
guides icon
What is a building society?

Building societies are financial institutions that are similar to banks in some ways, but there are several key differences in how they work.

Building societies are financial institutions that are similar to banks in some ways, but there are several key differences in how they work.

Read More
guides icon
How to improve your credit score

Our guide sets out 11 steps to boosting your credit score, including making payments on time and keeping your credit utilisation low.

Our guide sets out 11 steps to boosting your credit score, including making payments on time and keeping your credit utilisation low.

Read More
guides icon
Cash cards vs debit cards explained

Depending on the type of current account you have, you may be offered a cash or a debit card by your bank or building society. Discover the difference here.

Depending on the type of current account you have, you may be offered a cash or a debit card by your bank or building society. Discover the difference here.

Read More
guides icon
Can you make money from stoozing?

Stoozing is a money hack that uses credit cards to help to maximise the interest you earn on your savings. Find out how it works and if it’s worth doing.

Stoozing is a money hack that uses credit cards to help to maximise the interest you earn on your savings.

Read More
guides icon
Paying for your holiday with a credit card: Is it worth it?

Paying for a holiday on a credit card can help you manage the cost of your holiday and give you some extra protection. But there are some risks to consider too.

Paying for a holiday on a credit card can help you manage the cost of your holiday and give you some extra protection.

Read More
guides icon
How to make and manage a money budget

Effective budgeting is a key part of money management. Find out how methods such as the 50/30/20 technique, piggybanking and budgeting apps could help you better understand where your money is going and how you can make the most of it.

Effective budgeting is a key part of money management. Find out how making and managing a money budget could help your money go further.

Read More
guides icon
How living with a disability may affect your finances and how a financial planner could help

Discover how living with a disability can impact your finances and explore the some of the solutions.

Discover how living with a disability can impact your finances and explore the some of the solutions.

Read More
guides icon
How to get out of debt

In this guide we look at some of the strategies that can help you to get out of debt, including the debt avalanche and the debt snowball method.

In this guide we look at some of the strategies that could help you to get out of debt.

Read More
guides icon
What is debt consolidation?

One strategy to help you manage your debts with multiple lenders is to consolidate it all under one form of credit. Debt consolidation can have several benefits for the right borrower, but could another debt repayment strategy work for you?

Debt consolidation can have several benefits for the right borrower, but there are some points to bear in mind.

Read More
guides icon
How could stealth taxes affect your wealth in 2024?

Stealth taxes could affect your wealth in 2024; find out more about stealth tax and seven taxes to look out for this year.

Stealth taxes could affect your wealth in 2024; find out more about stealth tax and seven taxes to look out for this year.

Read More
guides icon
Four individual allowances you and your spouse could combine to help reduce tax

Managing your wealth as a couple over the long-term comes with both challenges and upsides. Having a spouse with whom you can combine your financial journey can have significant advantages – particularly when it comes to tax.

Having a spouse with whom you can combine your financial journey can have significant advantages – particularly when it comes to tax.

Read More
guides icon
The difference between AER, gross rate and net rate

With AER, gross rate and net rate all ways of expressing the amount of interest paid by an account, find out the key differences between these three concepts.

With AER, gross rate and net rate all ways of expressing the amount of interest paid by an account, find out the key differences between these three concepts.

Read More
guides icon
What are the best ways to spend money abroad?

From vibrant city breaks to relaxing beach getaways, wherever your travel plans take you this year, you’ll need to have access to cash. The good news is that there are multiple options to choose from when it comes to spending money abroad.

From vibrant city breaks to relaxing beach getaways, wherever your travel plans take you this year, you’ll need to have access to cash.

Read More
guides icon
Three benefits of starting a pension for your child or grandchild

In a world of rising costs, saving for retirement seems to be a difficult task for many young people

In a world of rising costs, saving for retirement seems to be a difficult task for many young people

Read More
guides icon
Has your local bank branch closed? Here’s what you can do

What are your options if your local bank branch faces closure?

What are your options if your local bank branch faces closure?

Read More
guides icon
How to fund home improvements

In this guide we’ve listed some of the different ways you can finance your home renovation project.

In this guide we’ve listed some of the different ways you can finance your home renovation project.

Read More
guides icon
CBDC Explained: When will the UK launch a digital pound?

How will the digital pound affect your day-to-day spending?

In February, the Bank of England and the Treasury confirmed that they were looking at introducing a digital currency.

Read More
guides icon
How to spend an inheritance

If you’ve inherited a large sum of money, what’s the best way to manage it?

If you’ve inherited a large sum of money, what’s the best way to manage it?

Read More
guides icon
What is conveyancing?

Whether you are buying or selling a property, you will need a conveyancer to oversee all the legal requirements and ensure your transaction completes. Conveyancing is the legal process of transferring property ownership from one person to another, and a property sale can’t complete without it.

Whether you're buying or selling a property, you'll need a conveyancer to oversee all the legal requirements and ensure your transaction completes.

Read More
guides icon
Family income benefits explained

In this article we’ve explained what a family income benefit plan is and how you can customise your policy to suit your needs.

In this article we’ve explained what a family income benefit plan is and how you can customise your policy to suit your needs.

Read More
guides icon
Financial considerations you’ll need to make in separation or divorce

Financial discussions are important when separating.

Financial discussions are important when separating.

Read More
guides icon
Cash gifts at Christmas – The essential tax facts you need to remember

Christmas is the perfect time of year to give family members a cash gift, but these can carry tax charges. This mostly comes in the form of inheritance tax, which can be complicated. In this article we’ve explained some important tax laws in more detail.

Christmas is the perfect time of year to give family members a cash gift, but these can carry tax charges.

Read More
guides icon
How much can I give as a cash gift and how is tax affected?

There are many reasons why you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.

There are many reasons why you may want to give a cash gift to your loved ones. We explain the implications from a tax perspective.

Read More
guides icon
How to save, fund and budget for Christmas in 2023

Even if you have an excellent budget plan in place, there are other ways to borrow for Christmas which may not cost you any interest at all.

Even if you have an excellent budget plan in place, there are other ways to borrow for Christmas which may not cost you any interest at all.

Read More
guides icon
What is a money transfer credit card?

Whether it be a large cash purchase or racking up debt on an overdraft, a money transfer credit card can be useful. But is it the best form of credit on the market? Below we have explained what a money transfer credit card is and what you need to look for when opting for this form of borrowing.

We have explained what a money transfer credit card is and what you need to look for when opting for this form of borrowing.

Read More
guides icon
7 ways to stay safe when using ATMs

While the number of financial tasks you can complete via ATMs has increased significantly over the past 10 years, fraudsters have also become more sophisticated. Read our guide about how to stay safe when using an ATM.

With the growing sophistication of ATM fraudsters, it is becoming growingly important to be more vigilant. Find out more in our guide.

Read More
guides icon
How are credit card cash advances charged?

Cash advances from a credit card rank as the most expensive thing you can do – so don't consider withdrawing cash on your card unless it's an absolute last resort.

Cash advances from a credit card rank as the most expensive thing you can do – so don't consider withdrawing cash on your card unless it's a last resort.

Read More
guides icon
What is keyperson insurance and how does it protect your business?

Keyperson insurance can be a vital safety net for your business. Not only does it provide businesses with cover during turbulent times, but it can also give their owners with a peace of mind. Below we have explained what this insurance is, and how it can protect your business. 

In this guide we have explained what keyperson insurance is, and how it can protect your business through turbulent times.

Read More
guides icon
What is a Trust Account?

A trust is where money or other assets are held on behalf of somebody else (known as a beneficiary). The beneficiary could be a child, an adult who lacks capacity to manage their own affairs or an organisation. Read our guide to find out more about trust accounts.

A trust is where money or other assets are held on behalf of somebody else. Our guide explains more.

Read More
guides icon
What is car hire excess insurance and how to get the best policy

Car hire companies are required to take out an insurance policy to protect their vehicles. However, in the case of theft or damage, these companies usually require you to foot the bill for an excess amount. That’s why, for a fee, you can pass this responsibility on to an insurer instead.

In this article we explain what car hire excess insurance is and how it works.

Read More
guides icon
Should you take out a loan to pay off your credit card?

Racking up a serious amount of credit card debt can be stressful. It can lead to a significant build-up in interest which can be overwhelming to pay back. That is why for some it may be beneficial to take out a loan to cover their debt.

Racking up a serious amount of credit card debt can be stressful. Could a loan make it easier?

Read More
guides icon
Cryptocurrencies explained– what are the risks?

In 2021 approximately 2.3 million Brits held some form of cryptocurrency, up 400,000 holders when compared to the previous year according to the FCA. So what are cryptocurrencies, and given they are prone to crashes in value, what does the future hold for this form of investment?

What are cryptocurrencies, and given they are prone to crashes in value, what does the future hold for this form of investment?

Read More
guides icon
Quantitative easing explained - and how to respond to changes

During times of consistent low economic growth, sometimes moving the Bank of England’s (BoE) base rate is not enough to elicit a positive response in the economy. This has led some central banks to adopt an alternative monetary policy called “quantitative easing”.

During times of consistent low economic growth, sometimes moving the Bank of England’s base rate is not enough to elicit a positive response in the economy.

Read More
guides icon
What is stagflation and how does it affect you?

In 1965, Conservative politician Iain Macleod coined a term which would still be used decades later. Since then, whenever the term stagflation is used it creates a sense of fear among economists. Below we have explained what this is and how it affects you.

Whenever the term stagflation is used it creates a sense of fear among economists. Below we have explained what this is and how it affects you.

Read More
guides icon
Do insurance quotes from comparison sites affect my credit score

Thinking of getting a new car insurance quote? You may be wondering how it impacts your credit score. This guide will tell you everything you need to know.

Thinking of getting a new car insurance quote? You may be wondering how it impacts your credit score. This guide will tell you everything you need to know.

Read More
guides icon
Everything you need to know about Open Banking

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers, such as budgeting apps or other banks, through APIs. Depending on the app or service, you can also give them permission to make payments directly from your account.

Open Banking is a practice that allows you to securely share your financial data with authorised third-party providers such as apps or other banks, through APIs

Read More

Search Guides

How Moneyfactscompare works

  • drawing of money scales

    BALANCED. Moneyfactscompare.co.uk is entirely independent and authorised by the Financial Conduct Authority for mortgage, credit and insurance products.

  • blue outline of free tag

    FREE. There is no cost to you. Our service is entirely free and you don't need to share any personal data to access our comparison tables.

  • drawing of pound sign and arrow

    TRANSPARENT. We only receive payment from product providers and intermediaries for apply online links and adverts through to their websites.

  • blue outline of binoculars

    COMPREHENSIVE. We research the whole market and scour the small print so you can find the best products for your needs.

Receive the latest news, straight to your inbox

All of our newsletters are available free by email to all Moneyfactscompare.co.uk users.

Send me Weekend Moneyfactscompare, Savers Friend, Companies Friend and selected third-party offers.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.