Latest news with #ClubLloyds
Daily Mirror
30-07-2025
- Business
- Daily Mirror
Major bank warns customers over little-known 30-day rule that many forget
Lloyds Bank's 30-day rule applies to the Club Lloyds perks that are available to customers. Benefits include Disney+ subscriptions along with restaurant and coffee deals Lloyds Bank has introduced a 30-day deadline for customers holding some of its most sought-after accounts. The banking giant has reminded customers about the requirements for accessing Club Lloyds benefits. One customer reached out to the bank via social media, asking: "When you open a new account and you selected cinema tickets as a reward when do you start getting them?". Lloyds responded: "When you open a Club Lloyds account, we give you 30 days to choose and amend your benefit selection. Once that period has passed, your choice is locked in and your benefit will be issued to you." It comes after news anyone buying fuel next week given '£15 charge' warning by The AA. "Whether catching a film solo is your secret indulgence, you relish unlimited viewing on Disney+, you adore curling up with your go-to magazine, or maybe your morning doesn't truly begin without that first caffeine hit, this programme has everything sorted", claims Lloyds. You'll need an active Club Lloyds current account before selecting your Lifestyle Benefit. This covers both Club Lloyds Silver and Club Lloyds Platinum accounts, reports Birmingham Live. Lloyds offers Disney+ memberships, explaining: "Stream brand new Originals, blockbusters, binge worthy series and more. There's something for everyone to enjoy when you select a 12 month Standard With Ads Disney+ subscription. At this time, you are unable to upgrade your Disney+ subscription to Standard or Premium." Another benefit might include restaurant and coffee deals, with the bank stating: "An annual Coffee Club and Gourmet Society membership gives you 25% off barista-made drinks at Caffè Nero and 25% off your bill at brands such as Pizza Express and thousands of independent restaurants. "Get 50% off pizza delivery alongside great discounts on theatre tickets and UK attractions." You can also select six cinema tickets from either ODEON cinemas or Vue cinemas. At Vue cinemas, your vouchers also qualify you for half price popcorn. At ODEON cinemas, you can use your vouchers at ODEON Kids Screenings, which include a complimentary kids-size popcorn per ticket.
Scottish Sun
28-07-2025
- Business
- Scottish Sun
All the bank accounts you can sign up to and get perks like free cash and save £100s on insurance
Scroll to find out how you can get freebies worth up to £310 from some banks BANK HELP All the bank accounts you can sign up to and get perks like free cash and save £100s on insurance Click to share on X/Twitter (Opens in new window) Click to share on Facebook (Opens in new window) THINKING of setting up a new bank account or switching to a new bank? You might be able to bag freebies worth hundreds of pounds, including free gifts and up to £185 in cash. Sign up for Scottish Sun newsletter Sign up 1 Lloyds, NatWest, TSB and Barclays are among the banks offering freebies and perks Credit: Alamy Many high street and online banks offer incentives to encourage people to switch, so it's worth doing your research to see where you could find the best value. There are also some catches you should look out for when signing up for a new bank account. You must meet each bank's criteria when signing up or switching in order to get the rewards. You should check whether you'll need to pay in a minimum amount each month or have a minimum number of direct debits. Some accounts come with a monthly fee, which could leave you out of pocket. Your credit score could also be impacted by switching or opening a new bank account, so you should keep this in mind if you're planning on applying for any big loans or a mortgage. If you're looking to switch bank accounts to avail of any switching offers, you'll likely need to use to Current Account Switch Service (CASS) to do this. We've rounded up all the bank account perks and freebies you can get right now. Lloyds Lloyds Bank is currently offering a free cash payment of £185 to new and existing customers who switch to a Club Lloyds account. If you meet the switching criteria, you'll be paid the cash into your account within 10 working days of opening the account. Daily Money News However, you'll need to act fast, as the offer ends today, July 28. You'll also get freebies including a 12-month subscription to Disney+ worth £60, six cinema tickets a year, or a magazine subscription. You'll also have access to a Club Lloyds 6.25% regular saver account, which is one of the highest interest savings accounts available, with interest paid after 12 months. However, Club Lloyds comes with a £5 monthly fee, which is waived if you pay £2,000 into your account. Santander Santander offers £180 to new and existing customers who move to some of its current accounts. This includes its Everyday Current Account, as well as the Santander Edge and Edge Up accounts. With a Santander Edge and Edge Up account, you can also get up to £20 a month in cashback, including on household bills and at supermarkets. The Santander Edge account costs £3 a month, while the Edge Up account costs £5. The Everyday Current Account comes with no added fees. Co-operative Bank You could save hundreds on your insurance costs by switching to Co-op Bank. If you open an Everyday Extra account, which normally costs £18 a month, you can get three months of account perks for free. This includes free worldwide family travel insurance, mobile phone insurance, and UK and European breakdown cover, worth hundreds of pounds. When you sign up or switch, you'll pay the £18 month fee but it will be refunded into your account by the bank for the first three months. Barclays You can get £175 by opening a Barclays Bank Account, which comes with no monthly fee. However, you'll need to join the bank's Blue Rewards to be eligible for the £175, which costs £5 a month. This rewards scheme offers monthly cashback of up to 15% at selected retailers and exclusive savings rates. You'll also be able to get a free AppleTV+ subscription worth £8.99 a month. NatWest You can get a £125 bonus by switching to a range of NatWest current accounts, including its Select and Reward accounts. You could also earn another £50 by opening a linked savings account with the bank. You'll get extra freebies by signing up to a Reward account, which costs £2 a month. NatWest will give you £1 in rewards by simply logging into your mobile banking app once a month, and £4 by paying two or more direct debits from your account. You can also earn cashback from a range of retailers including Greggs, Morrisons and Ikea. TSB You can get £100 if you switch to one of TSB's Spend and Save current accounts. The bank is also offering up to £90 cashback for the first six months as part of the switching offer. You can get extra rewards if you sign up to a Spend and Save Plus account, which TSB says are worth up to £310. If you switch and make 20 or more payments on your debit card in February 2026, you can choose a £120 hotel voucher or access to access to 12-months' activity tickets in March 2026. The Spend and Save Plus Account has a monthly fee of £3. First Direct First Direct offers £175 in cash for switching to its 1st Account, which comes with no monthly fee. This account also offers fee-free spending abroad, making it a good option if you've got summer trips coming up. How to switch successfully FOLLOW these steps to make a successful switch and bag a perk STEP 1: Choose a new account with a switching perk. Check it is suitable in other ways, including the overdraft charge, any monthly fees and any fees for spending abroad. STEP 2: Check you are eligible for the perk. Ensure that you can meet the requirements to get the reward, which may include not having had a bonus from that bank before. You may need to ensure you have sufficient direct debits on your account before switching. If you do not, you could set some up for household bills or some small ones to charity. STEP 3: Open the new account in-app or online. This may require ID such as a passport or driving licence. STEP 4: Choose a switch date. When you apply for an account, you should be asked whether you want to switch an existing bank account. You should say yes and pick a day seven days in the future for the switch to complete. STEP 5: Wait. The whole process should take seven days, after which your account and direct debits should be switched. Each bank has different timelines on when any cash reward will be received. Other rewards, such as linked accounts, should also be available in your app. STEP 6: Switch again. If you have received the reward you wanted and would like to receive more, start the process again with another bank that offers a cash sweetener. IF IT GOES WRONG CONTACT your new bank and quote the Current Account Switching Rules, which you can find on its website (currentaccount If you are out of pocket because of missed payments due to the switch, your bank needs to refund you under the terms of the guarantee. Do you have a money problem that needs sorting? Get in touch by emailing money-sm@ Plus, you can join our Sun Money Chats and Tips Facebook group to share your tips and stories
The Sun
28-07-2025
- Business
- The Sun
All the bank accounts you can sign up to and get perks like free cash and save £100s on insurance
BANK HELP Scroll to find out how you can get freebies worth up to £310 from some banks THINKING of setting up a new bank account or switching to a new bank? You might be able to bag freebies worth hundreds of pounds, including free gifts and up to £185 in cash. 1 Many high street and online banks offer incentives to encourage people to switch, so it's worth doing your research to see where you could find the best value. There are also some catches you should look out for when signing up for a new bank account. You must meet each bank's criteria when signing up or switching in order to get the rewards. You should check whether you'll need to pay in a minimum amount each month or have a minimum number of direct debits. Some accounts come with a monthly fee, which could leave you out of pocket. Your credit score could also be impacted by switching or opening a new bank account, so you should keep this in mind if you're planning on applying for any big loans or a mortgage. If you're looking to switch bank accounts to avail of any switching offers, you'll likely need to use to Current Account Switch Service (CASS) to do this. We've rounded up all the bank account perks and freebies you can get right now. Lloyds Lloyds Bank is currently offering a free cash payment of £185 to new and existing customers who switch to a Club Lloyds account. If you meet the switching criteria, you'll be paid the cash into your account within 10 working days of opening the account. Daily Money News However, you'll need to act fast, as the offer ends today, July 28. You'll also get freebies including a 12-month subscription to Disney+ worth £60, six cinema tickets a year, or a magazine subscription. You'll also have access to a Club Lloyds 6.25% regular saver account, which is one of the highest interest savings accounts available, with interest paid after 12 months. However, Club Lloyds comes with a £5 monthly fee, which is waived if you pay £2,000 into your account. Santander Santander offers £180 to new and existing customers who move to some of its current accounts. This includes its Everyday Current Account, as well as the Santander Edge and Edge Up accounts. With a Santander Edge and Edge Up account, you can also get up to £20 a month in cashback, including on household bills and at supermarkets. The Santander Edge account costs £3 a month, while the Edge Up account costs £5. The Everyday Current Account comes with no added fees. Co-operative Bank You could save hundreds on your insurance costs by switching to Co-op Bank. If you open an Everyday Extra account, which normally costs £18 a month, you can get three months of account perks for free. This includes free worldwide family travel insurance, mobile phone insurance, and UK and European breakdown cover, worth hundreds of pounds. When you sign up or switch, you'll pay the £18 month fee but it will be refunded into your account by the bank for the first three months. Barclays You can get £175 by opening a Barclays Bank Account, which comes with no monthly fee. However, you'll need to join the bank's Blue Rewards to be eligible for the £175, which costs £5 a month. This rewards scheme offers monthly cashback of up to 15% at selected retailers and exclusive savings rates. You'll also be able to get a free AppleTV+ subscription worth £8.99 a month. NatWest You can get a £125 bonus by switching to a range of NatWest current accounts, including its Select and Reward accounts. You could also earn another £50 by opening a linked savings account with the bank. You'll get extra freebies by signing up to a Reward account, which costs £2 a month. NatWest will give you £1 in rewards by simply logging into your mobile banking app once a month, and £4 by paying two or more direct debits from your account. You can also earn cashback from a range of retailers including Greggs, Morrisons and Ikea. TSB You can get £100 if you switch to one of TSB's Spend and Save current accounts. The bank is also offering up to £90 cashback for the first six months as part of the switching offer. You can get extra rewards if you sign up to a Spend and Save Plus account, which TSB says are worth up to £310. If you switch and make 20 or more payments on your debit card in February 2026, you can choose a £120 hotel voucher or access to access to 12-months' activity tickets in March 2026. The Spend and Save Plus Account has a monthly fee of £3. First Direct First Direct offers £175 in cash for switching to its 1st Account, which comes with no monthly fee. This account also offers fee-free spending abroad, making it a good option if you've got summer trips coming up. How to switch successfully FOLLOW these steps to make a successful switch and bag a perk STEP 1: Choose a new account with a switching perk. Check it is suitable in other ways, including the overdraft charge, any monthly fees and any fees for spending abroad. STEP 2: Check you are eligible for the perk. Ensure that you can meet the requirements to get the reward, which may include not having had a bonus from that bank before. You may need to ensure you have sufficient direct debits on your account before switching. If you do not, you could set some up for household bills or some small ones to charity. STEP 3: Open the new account in-app or online. This may require ID such as a passport or driving licence. STEP 4: Choose a switch date. When you apply for an account, you should be asked whether you want to switch an existing bank account. You should say yes and pick a day seven days in the future for the switch to complete. STEP 5: Wait. The whole process should take seven days, after which your account and direct debits should be switched. Each bank has different timelines on when any cash reward will be received. Other rewards, such as linked accounts, should also be available in your app. STEP 6: Switch again. If you have received the reward you wanted and would like to receive more, start the process again with another bank that offers a cash sweetener. IF IT GOES WRONG CONTACT your new bank and quote the Current Account Switching Rules, which you can find on its website (currentaccount If you are out of pocket because of missed payments due to the switch, your bank needs to refund you under the terms of the guarantee.
The Sun
23-07-2025
- Business
- The Sun
Lloyds Bank to axe bank account key perk for thousands of customers – check if you'll have to pay more
LLOYDS is scrapping a popular bank account benefit, leaving thousands of customers facing higher costs. The high street bank will axe a £5 a month discount offered to thousands of Club Lloyds Platinum customers. 1 The Club Lloyds Platinum account is a premium bank account offering benefits like travel insurance, mobile phone insurance, breakdown cover, and access to lifestyle perks and savings accounts. It costs £22.50 a month, plus a £5 Club Lloyds fee, which is refunded if you pay more than £2,000 into the account each month. However, thousands of account holders also get a £5 monthly discount on the £22.50 fee. To qualify, you must either deposit £4,300 or more into the account each month (£5,500 for joint accounts) or keep savings of £75,000 or more in eligible accounts during the month. This discount helps reduce the cost for those who meet the conditions, saving over £60 a year if eligible for the discount throughout the year. However, Lloyds has confirmed that this discount will be phased out, with customers receiving their final £5 refund on August 4 – provided they meet the eligibility criteria in July 2025. After that, all account holders will need to pay the full £22.50 monthly fee, which costs £270 a year. A spokesperson for Lloyds Bank said: "Our packaged bank accounts continue to offer great value for money, as they come with a host of perks including fee free spending worldwide, insurance, lifestyle benefits, cashback and much more. "We've also recently launched our Lloyds Premier account, which brings together the best in financial perks and premium lifestyle services we have to offer. "Customers will have the £15 a month fee refunded when they pay in £5,000 each month, or have £100,000 of savings or qualifying investments with Lloyds." Switch bank accounts for free perks When considering the value of packaged bank accounts, it's important to review the level of cover provided. Think about whether you will actually use all the benefits included. If you won't, your current provider might not be the best choice for you. Fortunately, there are other packaged bank accounts available that cost less than the Club Lloyds Platinum account. This includes two cheaper options offered by Lloyds Bank itself. Club Lloyds Accounts Club Lloyds (£5 a month) Free lifestyle benefits including either 12 months of Disney+ or six cinema tickets Exclusive savings and mortgage rates Earn interest on current account balance Get up to 15% cashback on debit card purchases in selected retailers Club Lloyds Silver (£11.50 a month + £5) Free lifestyle benefits including either 12 months of Disney+ or six cinema tickets Exclusive savings and mortgage rates Earn interest on current account balance Get up to 15% cashback on debit card purchases in selected retailers European and UK family travel insurance AA breakdown cover Mobile phone insurance Fee-free spending and cash withdrawals abroad Club Lloyds Platinum (£22.50 a month + £5) Free lifestyle benefits including either 12 months of Disney+ or six cinema tickets Exclusive savings and mortgage rates Earn interest on current account balance Get up to 15% cashback on debit card purchases in selected retailers Worldwide family travel insurance AA breakdown cover Mobile phone insurance Alternatively, Nationwide 's FlexPlus packaged bank account costs £18 a month and offers a host of additional services and perks. These benefits include worldwide travel insurance, mobile phone insurance, breakdown cover, and preferential rates on loans and overdrafts. The account does not require a minimum pay-in, and customers get worldwide travel insurance for family trips of up to 31 days. Mobile phone insurance is also provided for all members in the same household, and it covers for loss, theft, damage and faults. Additionally, account holders can use their debit card abroad without incurring non-sterling transaction fees. FlexPlus customers also get vehicle breakdown cover in the UK and the rest of Europe even if somebody else is driving. NatWest's Reward Silver account costs £10 a month and offers European travel insurance for trips of up to 22 days. Customers also get free mobile phone insurance and can use their debit card abroad without incurring extra charges. Those looking for worldwide travel insurance can apply for a Reward Platinum account which costs £22 a month. This account also includes UK breakdown cover. Virgin Money's Club M packaged bank account is one of the cheapest on the market, costing £12.50 a month or £150 a year. It comes with free gadget insurance, worldwide family travel insurance and UK and European breakdown cover. The gadget cover protects both mobile phones and other tech, such as tablets and laptops. Customers do not need to make a minimum monthly payment to qualify for the account. According to the bank, equivalent policies would cost upwards of £500 a year, so customers save £350 with this account's perks. Meanwhile, Halifax's Ultimate Reward package bank account costs £19 a month or £228 a year. Customers do not need to make a minimum monthly payment to qualify for the account. The product comes with free gadget insurance, worldwide family travel insurance, UK breakdown cover and home emergency cover. How do I switch bank accounts? SWITCHING bank accounts is a simple process and can usually be done through the Current Account Switch Service (CASS). Dozens of high street banks and building societies are signed up - there's a full list on CASS' website. Under the switching service, swapping banks should take seven working days. You don't have to remember to move direct debits across when moving, as this is done for you. All you have to do is apply for the new account you want, and the new bank will tell your existing one you're moving. There are a few things you can do before switching though, including choosing your switch date and transferring any old bank statements to your new account. You should get in touch with your existing bank for any old statements. When switching current accounts, consider what other perks might come with joining a specific bank or building society. Some banks offer 0% overdrafts up to a certain limit, and others might offer better rates on savings accounts. And some banks offer free travel or mobile phone insurance with their current accounts - but these accounts might come with a monthly fee. What else is happening at Lloyds Bank? Customers of Lloyds Bank, Halifax and Bank of Scotland will soon lose the ability to deposit their cheques at any of the 11,500 Post Office branches nationwide. From December 31 this year, Lloyds Banking Group will withdraw this service for all customers. In June, millions of Lloyds, Halifax and Bank of Scotland customers saw their overdraft costs fall. Existing customers currently paying 39.9% or 49.9% on their overdrafts have had their rates reduced to 29.9%. If your interest rate dropped from 49.9% to 29.9%, the cost of borrowing £1,000 over 12 months would fall by £299. Meanwhile, if your interest rate falls from 39.9% to 29.9%, the cost of borrowing the same amount over 12 months would fall by £100. Meanwhile, the high street bank stopped paying interest on money held in their student bank accounts on June 2. Lloyds Bank also hiked the the monthly Club Lloyds charge in June. On June 2, the £3 monthly fee rose to £5 per month, adding up to £24 more per year for those who do not meet the £2,000 monthly deposit requirement. How do I switch bank accounts? SWITCHING bank accounts is a simple process and can usually be done through the Current Account Switch Service (CASS). Dozens of high street banks and building societies are signed up - there's a full list on CASS' website. Under the switching service, swapping banks should take seven working days. You don't have to remember to move direct debits across when moving, as this is done for you. All you have to do is apply for the new account you want, and the new bank will tell your existing one you're moving. There are a few things you can do before switching though, including choosing your switch date and transferring any old bank statements to your new account. You should get in touch with your existing bank for any old statements. When switching current accounts, consider what other perks might come with joining a specific bank or building society. Some banks offer 0% overdrafts up to a certain limit, and others might offer better rates on savings accounts. And some banks offer free travel or mobile phone insurance with their current accounts - but these accounts might come with a monthly fee.
The Irish Sun
18-07-2025
- Entertainment
- The Irish Sun
Netflix, Disney & Amazon subscription hacks for at-home film days this summer that'll save you £850 on TV & cinema trips
WHO can afford full-price trips to the cinema these days? You need a mortgage just for the popcorn – never mind posh seat upgrades for the whole family. Thankfully there are loads of ways to slash the cost of at-home movie days this summer, potentially saving you hundreds on bills and trips to the cinema. The other bonus is: you can make your own snacks! 9 Disney+ is perfect for at-home movie days – especially if you can slash the cost Credit: Disney+ 9 The app is brimming with kid-friendly content, from Bluey to Spiderman – and there's plenty for adults, too Credit: Disney+ TV TRICK #1 – GET YOURSELF FREE DISNEY+ If you're looking for family-friendly flicks, you can't go wrong with Disney+. It's crammed with Disney originals, plus Star Wars and Marvel goodness too. This is Hollywood in app form. You needn't pay the full £8.99 a month (that's £108 a year!) either. If you're a Lloyds Bank customer with a Club Lloyds current account, you can get free Disney+ for a full year. The account is £5 a month (or free if you put at least £2,000 a month into it). And you can claim a Disney+ Standard with Ads membership, getting you Full HD viewing and two streams at once. Tesco shoppers with Clubcards can get a tempting Disney+ perk that doubles the value of your vouchers if you spend them on the streaming service. So you can swap £7.50 in Clubcard vouchers for a three-month Disney+ Standard With Ads subscription (usually £14.97) – or trade £13.50 in vouchers for a £26.97 Standard three-month plan. You'll find it in the My Rewards section of your Clubcard. And if you're on the O2 network, you can get a free six-month membership to Disney+ Standard – and once that's over, you can add it to your plan as a paid extra and get £2 a month back as a discount on your airtime bill. Potential Saving: £107.88 a year TV TRICK #2 – SLASH YOUR AMAZON VIDEO BILL Amazon Prime Video is chock full of quality movies – and it's home to the wildly popular Clarkson's Farm too. You're throwing away money on Netflix – I found three common mistakes sending your bill soaring but the fixes are easy But if you're paying the £8.99 fee for Amazon Prime just to watch Amazon Video, there are some The most obvious discount is paying upfront for an annual £95 membership, versus the monthly option that ends up costing you £107.88. Alternatively, you could simply pay for Amazon Video on its own. You'll lose the other Prime benefits , but it shrinks your bill to £5.99 a month – that's £71.88 over a year. If you've got a student or young person in the house, you're in luck. There's a cheap membership called . That covers a massive chunk of Brits, so you might have someone who fits the bill at home. It'll get you Amazon Prime for £4.49 a month (£53.88 a year), or just £47.49 if you pay the annual membership instead. And if that wasn't enough, this discounted Amazon Prime also comes with a mammoth six-month free trial. That's far longer than the usual 30-day option. So in your first year, you'd only be paying £23.75. Prime monthly (£8.99 monthly) – £107.88 a year Prime annual – £95 a year Prime Video (£5.99 monthly) – £71.88 a year Prime 18-22/student (£4.49 monthly) – £53.88 a year Prime 18-22/student annual – £47.49 a year Prime 18-22/student monthly + six-month free trial – £26.94 for first year Prime 18-22/student annual + six-month free trial – £23.75 for first year Potential Saving: £84.13 a year 9 Amazon Prime Video has a massive library of premium content Credit: Amazon TV TRICK #3 – CHECK IF YOU'RE OVERPAYING FOR NETFLIX Can you believe that when Netflix launched in the UK in 2012, it only cost £5.99 a month? Now a Standard plan is more than double that – and Premium is over three times the price. But these layers of membership create an opportunity: The first common mistake is paying for a 4K plan when you don't need it. The Premium plan costs £18.99 in the UK, and its big perk is 4K telly (of which Netflix has plenty). But there's every chance you're not watching Netflix on a 4K Ultra HD TV. Many televisions don't have 4K screens, which makes a 4K plan fairly pointless . And if you're using an Amazon Fire Stick, Roku box, or some other streaming gadget, that ALSO needs to be 4K too – or you won't get a 4K picture. Sadly, many aren't, especially if you bought a cheaper model. On top of that, most tablets and phones don't have 4K screens, and on the tiny displays, 4K is even less important. So consider downgrading to Standard at £10.99, saving you £96 a year. It's the same library of content, but your streaming drops to Full HD – which is fine for most people. Secondly, don't ignore the newer and far cheaper Standard with Ads plan, which is only £5.99 a month. You still get Full HD resolution just like Standard, but your viewing will be interrupted by ads. 9 Think about the device you're watching Netflix on – do you really need the Premium plan? Credit: Netflix Compared to a Premium plan, you'll save a massive £156 a year this way. Potential Saving: £156 a year Mission Unaffordable! The blockbuster cost of family cinema trips It used to be a go-to activity during the school summer holidays but the rising cost of cinema tickets has priced many families out. A typical 2D adult ticket can range from £8 to £12, with children's tickets often slightly cheaper. Special screenings for 3D or IMAX movies cost more. Some cinemas also add on a booking fee, which can see the price soar. Cinema snacks and drinks can easily set you back £15 to £20. With film-branded, limited-edition food (as seen at recent Minecraft screenings) potentially costing more. Add on a few pounds for parking or transport and you've easily spent between £60 and £100 on a couple of hours out. TV TRICK #4 – SWAP YOUR SUBSCRIPTIONS One of the biggest telly mistakes we all make is paying for every subscription under the sun. If you're a TV fan, you might be forking out for Netflix, Disney+, Amazon Video, Apple TV+, Now TV, and who knows what else. Stop it now – and Cancel everything but just keep one subscription, and then binge on that for a month. Now kill it off and move onto a second plan, and enjoy that app's library for another month. Do this with two more apps and then repeat the process. Now you're back at the first app with some fresh content to watch. 9 You probably don't need a full year of Prime Video – or any TV app, for that matter Credit: Amazon You'll get to enjoy each of the app's content all through the year, but without paying out a fortune. Let's say you paid for Netflix Premium (£18.99), Disney+ Standard (£8.99), Amazon Video without Prime (£5.99), and Apple TV+ (£8.99). With all four of those running for a year, your bill would come to £515.52 over the course of a year. If you used subscription swapping, that would drop to just £128.88. That's a saving of £386.64. You're paying exactly a quarter of what you would've spent. And you don't miss out on any top movies or shows either. Potential Saving: £386.64 a year Subscription swapping saved me a fortune and the kids loved it Fabulous' Associate Editor Sarah Barns tested subscription swapping with her two sons, aged three and five. Unsurprisingly, asking my two sons to binge watch Netflix for a month was a task they took to with gusto. We made our way through all the Hotel Transylvania, Paddington and Minions films before I cancelled the subscription (£5.99 a month with ads) and we moved on to Disney+ (£8.99, no ads). Then, we watched the classics - Frozen, Moana and Toy Story - as well as family favourite TV shows, Bluey and Spidey and His Amazing Friends. Finally, we ditched that and moved onto Amazon Prime (£5.99 a month, just for Prime Video). Here, we watched The Lorax, Secret Life of Pets and Sing. This streamer was probably our least favourite and I found that shows the kids wanted to watch, including the Julia Donaldson adaptions, were already available for free on BBC iPlayer. I'd definitely keep rotating Netflix and Disney+, and would be up for giving Apple TV a go. It was fairly faff-free to cancel and rejoin the services and we found that new shows and films had been added while we weren't members. TV TRICK #5 – CUT YOUR APPLE TV+ COST It may be a newer option, but Apple TV+ is now a streaming titan, with hit shows like Severance and Ted Lasso – plus a load of top movies too. The regular free trial is only seven days and then you'll pay £8.99 a month. But there are four other ways to 9 Millions of Brits might be able to claim heavily discounted (and even free) Apple TV+ Firstly, if you've bought an Apple device recently – specifically a new , iPad , Apple TV , or Mac computer – then you can claim three months of free Apple TV+. Just head into the Apple TV app on the device itself and you'll see the offer just waiting for you there. It needs to be on that device, and signed into your Apple ID. Second, students can get Apple TV+ via a separate promotion. If you're enrolled at a "degree-granting" uni then you can get Apple Music Student, which gets you the Spotify rival for £5.99 (instead of £10.99) for up to 48 months. And this subscription also includes a free membership to Apple TV+ for the same time. Just go to Apple Music > Home > Trial Offer > Student > Verify Eligiblity. A third option is to go through Apple One, which wraps up iPhone services as a bundle and then discounts them. All of the Apple One plans boost your iCloud storage (for backing up your iPhone media), plus give you access to perks like hiding your email and using 9 You can also use Family Sharing to make your household bills come down Credit: Apple The cheapest Apple One plan is £18.95 and includes Apple TV+, Apple Music, and Apple Arcade, saving you £9 a month overall. You can also bundle in Apple Fitness+, Apple News+, and add 2TB of cloud storage (plus sharing with five family members) for £36.95 a month. This saves you £27.99 a month. The last option is to try Family Sharing, which means only one person in your home needs to pay for Apple TV+. "One adult in your household – the family organiser – invites your family members," Apple explains. "When family members join, they get instant access to the group's content and subscriptions that are eligible to be shared. "Each family member uses their own account, so everyone's experience stays personalised and private." That'll save you money at home if you've got multiple family members splashing out on the subscription. And don't worry: they all get their own profiles. Potential Saving: £107.88 a year TV TRICK #6 – DON'T PAY FOR TELLY! 9 The Roku Channel is just one of many free apps that serve up no-cost ad-supported telly Credit: Roku What's better than cheap telly? Free telly! One of the best things you can do for your bank balance is download There are some amazing options out there with hundreds of thousands of hours of movies and TV up for grabs. Many of them even offer live TV channels too. Usually the only downside is that you'll need to sit through ads. But most TV apps and regular telly show you ads anyway. Try some of these out: The Roku Channel Tubi Pluto TV Plex TV Amazon Freevee And if you don't like one, who cares? It was free to download – and it doesn't cost a penny to delete it. Potential Saving: As much as you like! TV TRICK #7 – CLAIM YOUR FREE MOVIES Last but not least: Sky customers, go check out the MySky app right now. When you joined Sky, you will have automatically It's part of the Sky VIP offering, earning you a "Welcome Gift". 9 If you're new to Sky, you can claim a free movie as a welcome gift Credit: Sky / The Sun You can take your pick from the Sky Store, and then it's yours to keep. Just go into the app, sign in with your Sky account, and then visit the VIP section to claim it. Once you've redeemed the movie, you'll be able to watch it on the big screen through your Sky box. Potential Saving: £5 to £10 AND IF YOU MUST GO TO THE CINEMA... ...then don't pay full price! There are loads of ways to Amazon Prime customers can claim two movie tickets at Odeon for a tenner each month. Or you can get a pair of posh recliner seats at Odeon Luxe for £15 – that's £7.50 each. They're only available between Mondays and Thursdays – just claim the code from Amazon's Prime Odeon deal page and then plug it into your cinema ticket purchase at checkout. Sky TV customers with a Sky Cinema package can get a pair of free tickets to use at Vue between Sunday and Thursday. Just download the MySky app, go to Sky VIP, and then select Your Vue Tickets for a code. Vodafone offers discounted cinema tickets through the VeryMe Rewards app. One of the current perks gets you a pair of Odeon tickets for £4 per person. And Three customers can use Three+ (the free rewards program) to get trips to the cinema for £3. They're only available between Sunday and Friday – just log onto Three+ to claim your code. Picture Credit: Sky
