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Do you think you’ve been charged unfairly on your credit card? Discover what is classed as an unfair credit card charge and how to reclaim it.
There’s a lot to think about before cancelling a credit card, such as the impact on your credit score. Is closing a credit card right for you?
The minimum payment on a credit card is the smallest amount that your card provider will accept as payment of your debt for that month. Read our guide for more
Paying for a holiday on a credit card can help you manage the cost of your holiday and give you some extra protection.
A money transfer credit card can be useful, but is it the best form of credit? We explain what a money transfer credit card is and what things to consider.
Credit cards can be a great way to manage your finances, and if used wisely they can be a valuable addition to your credit mix.
Whether looking to clear debts by moving outstanding credit card balances to a 0% balance card or looking to make a large purchase using a 0% purchase card
The newly-launched Lloyds Ultra Credit Card offers unlimited 1% cashback for one year, but how does it compare to other cashback credit cards?
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.
In this guide, we explain the different steps and considerations you should make when thinking about applying for a credit card.
The risks involved with using credit cards to invest are likely to outweigh the potential benefits.
Figuring out how credit card interest works can be a complex and difficult task - our guide gives you an idea of the basics to help you make the right choice.
Credit cards have become more expensive, but borrowers can avoid paying interest by taking advantage of longer interest-free credit card offers.
Credit cards remain popular, but the cost of borrowing is at its highest level in 20 years.
American Express is now offering 5% cashback, up to £125, on its Amex Cashback Everyday Credit Card.
Having a credit card limit suddenly cut can cause stress for borrowers but there are steps you can take if your credit card limit has been reduced unexpectedly.
Use our balance transfer calculator and find out how much you could save by switching a balance to a 0% balance transfer credit card.
Credit card interest rates continued to rise in 2024 while the number of interest-free deals stalled.
The number of loan and credit card providers dropped during the third quarter of 2024, while average interest rates increased.
Shoppers will earn £20 in Asda Pounds by opening one of two new credit card accounts.
Total borrowing on credit cards rose by £0.7 billion between December and January, the largest monthly increase since November 2023.
Consumers borrowed an additional £1.9 billion in February, of which nearly 80% was used on credit cards.
If you have debt on one or more credit cards, it may be worth considering taking out a personal loan to consolidate it.
Shoppers looking for ways to manage their Christmas costs now have more 0% credit cards to choose from, as well as longer interest-free periods.
The Consumer Credit Act (CCA) is a key piece of legislation that protects consumers and regulates credit agreements.
Built up credit card debt on your Christmas shopping? A 0% balance transfer card could help you save money, with 0% period of up to 35 months on offer.
The average APR on unsecured loans and credit cards rose in the first three months of 2024, while the number of lenders and card providers fell.
It’s a good idea to check your credit report regularly, especially if you’re planning to apply for a mortgage, loan, credit card.
Customers now have more 0% interest credit card offers to choose from, as well as longer average terms.
Our guide sets out 11 steps to boosting your credit score, including making payments on time and keeping your credit utilisation low.
Credit unions are not-for-profit co-operatives that offer financial products and services to their members.
The average purchase APR reached a record high this month, according to the Moneyfacts UK Unsecured Lending Trends Treasury Report.
Find out some of the factors that can positively and negatively affect your credit score.
If you are looking for a new 0% introductory purchase or balance transfer card, we have put together a run-down of the best deals currently available.
Meanwhile, the average credit card purchase APR has reached a record high.
Earn up to £125 cashback with American Express; find a 0% introductory purchase rate from Santander.
If you’re planning to take out a mortgage, you may be wondering what credit score is needed to buy a house. Find out about credit scores and mortgages.
During the pandemic there has been a rise in consumers’ credit scores, with the average score increasing from 776 in September 2019 to 797 in September
As the Easter Bank Holiday approaches, holidaymakers who are planning to take a trip to Europe may want to plan how they are going to spend their cash abroad.
Online shoppers may want to consider using a credit card when buying expensive Christmas presents to ensure that their purchases are protected under Section 75 of the Consumer Credit Act
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.
Having a less than spotless credit score can have serious effects on your ability to access a number of financial services. Read our guide to find out more.
The annual percentage rate (APR) indicates how much a loan or credit card will cost you per year, taking into account interest and fees..
Stoozing is a money hack that uses credit cards to help to maximise the interest you earn on your savings.
Latest data trends at Moneyfacts found the average credit card purchase APR (which includes card fees) rose to an all-time high of 31.8% APR this month.
This guide runs through the details of a chargebacks and the protection you gain from paying for good or services on a credit or debit card.
Balance transfer deals are looking more attractive than ever as 0% interest free periods get longer and fees hit a record low.
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.
While loan rates rise, 0% balance transfer terms on credit cards lengthen to over 570 days.
The average 0% balance transfer period increased and many personal loan rates fell in 2025, which could help those hoping to cut the cost of their debt in 2026.
The average rate on a £7,500 loan stands at 5.2%, the highest it has been in six years when it matched this figure.
A CPA is a type of recurring payment, whereby you give permission for a company to take money from your account using your card details.
As shoppers aim to snap up a bargain in the Black Friday sales, this could end up costing them more than they save.
The start of September will have many thinking about how to manage their finances as payment holidays on overdrafts, mortgages and credit cards will soon come t
With many struggling with rising costs, are you doing enough to maximise your money?
iFAST Global Bank is making the holiday season even more rewarding with a limited-time 1.5% cashback promotion for all eligible card purchases. Find out more:
Be very careful about entering into joint financial agreements – especially if one or both of you have a poor credit history. Find out more in our handy guide.
Debt consolidation can have several benefits for the right borrower, but there are some points to bear in mind.
Net mortgage borrowing fell for the first time since June 2024, according to the latest Money and Credit report, as mortgage approvals rose to two-year high.
American Express cardholders could earn £25 cashback for supporting small businesses.
The latest Money and Credit report revealed an extra £3.6 billion was deposited into ISAs in June, as mortgage borrowing and approvals also rose.
In this type of loan a 'guarantor' guarantees the lender that they will repay the loan if the person who has taken it out cannot.
Mortgage borrowing reaches £2.8 billion in July, while net mortgage approvals for house purchases rise month-on-month.
ISAs continue to be popular among savers with just a few days left until the new tax-year starts.
Mortgage borrowing in March increased by £13 billion, jumping to its highest level since June 2021. However, mortgage approvals dipped in the same month.
Savers deposited a record £11.7 billion in ISAs in April 2024 to take advantage of their tax-free allowance.
The number of net mortgage approvals rose in April, reaching its highest level since September 2022.
Savers deposited £20.2 billion into savings in October, the highest level since the pandemic.
With billions of pounds sitting in accounts paying no interest, savers could be missing out on significant returns on their money in 2025.
Switchers can earn a further £75 in cashback, but will need to spend over £750 a month for three months for their reward.
The increase in mortgage borrowing may indicate an ‘uptick in confidence’ as rates continue to ease.
Mortgage approvals rose to their highest level in two years as house prices also record an increase.
Biscuit offers 2% cashback on holders' bills and grants access to a savings account paying 7.10% AER. Find out how it compares:
Savers deposited a record £14 billion into ISAs in April, marking the highest this figure has been in over 26 years.
After slowing down in April, the housing market showed more positive signs in May.
Matt Tristram, of Loans Warehouse, spoke to Moneyfacts about the advantages of using a “holiday loan” to finance your getaway.
Our mission to make independent and impartial financial information available to all sectors of the population is arguably now more important than ever before.
From vibrant city breaks to relaxing beach getaways, wherever your travel plans take you this year, you’ll need to have access to cash.
What sources of income can be used to qualify for a mortgage in the UK?
The housing market showed positive signs in September, but how will the upcoming Budget affect activity?
Borrowers looking to make home improvements will find the average cost of an unsecured personal loan has fallen year-on-year, according to the latest research.
Following the news yesterday that low-income households are facing the fastest rise in consumer debt...
Spending as restrictions ease & rising inflation combined, means consumers with a rise in disposable income could see finances squeezed post-pandemic.
Black Friday is one of the biggest shopping events of the year. Our guide explains how you can plan and budget for it.
Landlords have a responsibility to ensure that their properties meet the Government’s health and safety requirements
Growing optimism about the economy, combined with some older consumers continuing to feel the impact of the pandemic on their finances
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.
Here’s how to get your money back after an online scam.
From next week, international travel will once again be allowed for those living in England and many consumers are expected to book trips to jet off
Travel insurance policies require an average wait time of almost 12 hours before allowing its users to claim cancellation cover.
Since social distancing rules were introduced in March there have been few people who have not seen their finances...
If you’ve fallen victim to a scam, you need to act quickly to ensure things don’t get any worse.
Although there has been progress in some areas of customer service, banks are still failing to improve in others – replacing lost debit cards within one day.
Payday loans offer easy loans up to around £1000 a month typically charging very high interest rates. Find out more about payday loans in our guide.
What you need to know about how being self-employed can impact your finances.
There are several ways to finance a vehicle.
JP Morgan has entered the UK consumer market with the launch of its digital bank, Chase
Overdrafts are a form of borrowing from your bank or building society, and they can be expensive, so it's important to compare the interest rate.
In this guide we look at some of the strategies that could help you to get out of debt.
Holidaymakers are once again boarding flights for trips abroad, but consumers are being warned that their travel insurance
Many finance experts are predicting that the Bank of England will increase base rate in the coming months to help tackle rising inflation
If you’re constantly in your bank account overdraft, here’s our seven-step guide to paying off your overdraft and staying overdraft-free.
It’s 1989, the Berlin Wall has come down and the Bank of England base rate is 14.88%. A new bank called first direct is launched by Midland Bank. It is the firs
While companies are doing what they can to keep their customers safe, consumers have to be vigilant too. Read our guide to find out more.
The bank service standards survey results are in for Q1 2020 - How did your bank do?
In this guide we’ve listed some of the different ways you can finance your home renovation project.
Consumers looking to switch current accounts over the summer could be disappointed as banks slash free cash offered when using Current Account Switcher Service.
Planning to get a mortgage? See our 15 key tips that could make you appear more attractive to lenders and help to boost your chances of approval.
There are several differences between secured and unsecured loans, but both types of loan can be useful for different reasons.
Banks are battling it out for your current account custom, with generous cash incentives and other perks now on offer to encourage you to switch.
HSBC offers £125 cash bonus to switch to specific HSBC accounts (subject to eligibility). We review its range of bank accounts.
Effective budgeting is a key part of money management. Find out how making and managing a money budget could help your money go further.
Nationwide BS has increased its current account switching incentive to a market-leading £200.
After several current account switch incentives ended in recent weeks, there’s now just one remaining.
first direct relaunched its £175 switching incentive, allowing new customers to earn £175 by moving to its 1st Account.
When someone dies, their estate should be used to pay off any outstanding debts, in a certain order of priority. Find out more in our guide.
A Direct Debit is where a company automatically takes a payment from your bank account, according to your instructions.
Joint accounts can make it easier for two or more people to pay bills and manage money, but there are some potential implications and downsides to consider.
Compound interest can boost the return on your savings as it allows you to earn interest on the interest already earned. See how compound interest works.
All lenders will conduct mortgage affordability checks to ensure you can afford a mortgage, looking at your income, expenditure, existing debts and more.
It’s the same site you know and love, just with a different logo.
Santander is the latest bank to announce changes to its overdraft fees in response to the Financial Conduct Authority’s (FCA) banning of fixed fees on overdraft
As well as a market-leading switching incentive, Nationwide BS also offers 1% cashback and a £50 interest-free overdraft buffer with selected accounts.
Customers can receive a welcome bonus for switching to first direct from 7 May 2024.
The Co-operative Bank has relaunched its switching incentive, where eligible customers can earn up to £150. Find out more.
This week's selection features a competitive easy access cash ISA from Plum and a two-year fixed rate mortgage from Yorkshire Building Society.
NatWest is offering customers a £150 cash bonus if they switch their current account to an eligible account with the bank.
Help to Save is a Government scheme that offers a bonus of up to £1,200 on your savings.
A competitive savings account could not only help to cover the cost of Christmas, but leave you feeling slightly better off, too.
High street bank, TSB, has launched its latest switching incentive, where customers can earn £190 for switching to an eligible account.
Having sufficient savings can help you deal with any unexpected expenses. But how do you start building an emergency fund?
Innocent people who fall foul of internet bank account fraud can expect to be reimbursed if they have taken reasonable steps to keep their account safe.
You could earn up to £200 free cash by switching your current account to one of these high street providers.
Customers could get a £200 cash bonus to start 2026 after TSB launched a new current account switching incentive. Find out how to qualify for this offer.
A financial plan helps to identify your financial goals and a financial adviser can help to make sure you have the right investments to suit your lifestyle.
Switching bank accounts is fast and simple, thanks to the Current Account Switching Service (CASS). Find out more details on how to switch your current account.
From interest-free overdrafts to exclusive discounts and vouchers on rail travel, food and more, student current accounts can offer a range of perks.
With the growing sophistication of ATM fraudsters, it is becoming growingly important to be more vigilant. Find out more in our guide.
Find out which finance products and providers have been crowned best in class at the Moneyfactscompare.co.uk Awards 2025.
Additional perks are also up for grabs if you continue to use your new account.
Find free cash, subscriptions and interest-free overdrafts on offer from high street brands such as NatWest, HSBC and Santander.
Today there have been a number of notable changes to personal loan rates, with both reductions and increases seen across a number of brands...
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
Post Office Money will deliver cash to the doors of vulnerable customers who are unable to leave their homes due to the Coronavirus pandemic
Moneyfactscompare.co.uk Awards
Most mainstream banks in the UK must contribute to the independent service quality survey. See whether your bank has been featured.
Whether you’re seeking a loan for home improvements, to consolidate debts or for any other reason, your priority will be getting the best deal possible.
Everyday Loans won the award for Non-Mainstream Loan Provider 2021. Our analysts reviewed loans available from non-mainstream lenders to create a shortlist.
The latest service data compiled from banks across the UK marketplace shows the surprising differences
Moneyfacts Consumer Awards 2023 Results
Is now a good time to grab a deal on a new loan? We look at the options.
Taking equity release could result in your entitlement to means tested state benefits being reduced or removed. It can also have an affect on any funding you mi
A standing order is a fixed payment from your bank account that goes out automatically on a set date at a chosen interval.
More than 400,000 applicants have been accepted onto a university or college course this year. Discover some of the latest student current account perks:
Last night, the winners of the Moneyfacts Consumer Awards 2018 were announced at a ceremony held at the Royal Lancaster Hotel in London. In a room packed...
Business loans and personal loans are options if you need to borrow money, but there are several key differences between them.
Barclays has reversed its controversial decision to no longer accept over-the-counter cash withdrawals at the Post Office.
Buying a business can be a great way to turn your dream into reality, so here’s everything you need to know about financing one.
Article written by Watts Commercial Finance, Moneyfactscompare.co.uk’s preferred commercial finance broker.
The Santander Edge current account is linked to a market-leading easy access rate of 4.00% AER on balances of £4,000 or less.
This limited time offer could see customers earn a switching bonus by moving to an eligible current account.
From 1 April 2020, consumers will be able to use contactless payments on amounts of up to £45
TSB’s latest current account switch incentive offers new current account customers a £100 bonus and up to £90 cashback.
How much can you borrow for a mortgage? Use our mortgage calculator and find out.
Life insurance isn’t compulsory to get a mortgage, but it is likely to be worth getting for most people.
A personal guarantee is when an individual agrees to personally repay a debt if their business is unable to.
Invoice finance provides a flexible finance option. Read more in this article.
If you want to borrow more money against your home, you may consider a secured loan or remortgaging. But which is the best option?
A mortgage in principle, also known as an agreement or decision in principle, tells you how much you may be able to borrow from a lender.
Building societies are offering competitive rates and different measures to help first-time buyers get on the property ladder.
iFAST Global Bank believes businesses of all scales deserve flexible, digital-first partners who support their global ambitions. Learn more:
Santander has launched a new Edge Explorer account which offers insurance, cashback and other perks.
Our stamp duty calculator shows you how much you can expect to pay on your next property purchase in England or Northern Ireland.
If you’re planning to drive abroad in Europe, it’s important you are prepared. We explain the rules you need to know and how to get the right insurance.
Metro Bank has launched ‘MCASH’ – a new way for small businesses to request for cash to be collected or delivered directly to their premises.
Interest-only mortgages will temporarily reduce your monthly repayments, but you’ll likely pay more in total at the end of your term.
More than two in five adults said they had stopped or cut back on savings due to the cost of living.
Our guide to the Financial Conduct Authority. Everything you need to know as a UK consumer.
Its Everyday Extra packaged account also includes breakdown cover, travel and mobile phone insurance.
A flexible mortgage is a type of mortgage that may allow overpayments, underpayments and payment holidays, among others. See if they could be right for you.
If you’re worried about repaying your mortgage, it’s important to speak to your lender and get help as soon as possible.
The Mortgage Guarantee Scheme is an initiative to increase the availability of higher loan-to-value (LTV) mortgage deals. Find out more:
Two thirds of all adults agree there are more barriers to Generation Z achieving financial well-being, including higher cost of living and inadequate education.
The current account currently betters several variable savings rates.
Government also plans to cut fuel levy and raise the National Insurance threshold.
Customers could earn up to £175 by switching their current account to one of these high street banks.
The limited-time Switch and Stay incentive from The Co-operative Bank is open to new and existing customers switching to an eligible current account.
The latest switching incentive from TSB offers qualifying customers a range of rewards worth up to £310.
Homeowners could choose to release equity from their house if they need some extra cash. There are several ways to do this, but consider all the risks first.
Porting a mortgage is simply when you take your current mortgage deal and interest rate with you when you move home.
A cooling off period is a number of days, usually 14, that allows you to change your mind about a purchase or contract you completed from a distance.
Many consumers have been looking at consolidating their debts
An agricultural mortgage is a type of commercial mortgage that’s specifically designed for farms,
On 1 December 2025, the FSCS limit will rise from £85,000 to £120,000, which means customers can receive increased protection on their money.
Over £300 billion worth of savings is still sitting in accounts offering a rate of 0.1% or less, according to research released by Paragon Bank and CACI.
They regularly top the savings charts and tend to have a reputation for offering great service too – but what is a challenger bank, and can they be trusted?
Find out how to receive £175 by switching to a Club Lloyds current account.
There’s another £175 current account switching bonus to choose from after Nationwide BS launched its new switch incentive.
The Coronavirus Business Interruption Loans Scheme (CBILS) has now closed to applications
The Mortgage Charter doesn’t include financial support for those struggling to keep up with their repayments.
For the first time in its 35-year history, Moneyfacts has launched a national TV commercial.
Time is running out to take advantage of HSBC’s £200 switching deal after it set 3 July as the end date.
The switching deal applies to four of Santander’s current accounts, which suit a variety of needs.
Zopa offers customers the chance to win back the cost of December spending this Christmas.
If you and your partner are divorcing or separating, you’re both still legally responsible for paying your joint mortgage. Find out what options you can take.
You can remortgage at any time, but there are times when it makes more sense to switch, such as at the end of a fixed term.
Santander increased the rate paid by its Santander Edge Saver (Issue 1) to 7.00% AER today, which includes a 2.50% AER bonus for the first 12 months.
New and existing Virgin Money Stocks and Shares ISA customers can benefit from an exclusive bonus rate on their cash savings.
Consumers can now earn £200 by switching to Santander’s Edge Current Account.
Customers could receive up to £220 by switching their current account to HSBC and opening a savings account.
An interest-only mortgage means you pay off the interest each month and the capital borrowed at the end of the term.
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.
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.
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.