Steve Higgins's community profile page

Great for automatic savings

5

Chip is a great app that automatically saves your money for you. It links (read-only) to your bank account, monitors your balance and only saves what you can afford. It comes with a guarantee not to send you overdrawn! Reviewed on: 9th February 2018

Great prepaid card

5

Pockit is a great prepaid MasterCard with low fees, no dormancy charges and generous Cashback at many stores such as Halfords, M&S, ToysRus, B&Q, Zizzi, etc. Their new cards now also have contactless functionality. Reviewed on: 12th February 2017

Great rate on evil at savings, but a pain to open the account by phone

5

The application for a Santander regular saver can only be made by phone, which is a pain as it takes some time to go through all of the account conditions and T&Cs with the advisor. However once opened, it's easy to operate via monthly standing order credit and gives a good interest rate on your savings. Reviewed on: 5th September 2016

Generous 0% rate on purchases plus cashback

4

I was lucky enough to get a Santander 123 credit card under the original, more generous T&Cs. The account came with a lengthy interest free period on purchases of 18 months, plus the first year fee waived (as I had a 123 current account) plus cashback. My card fee is about to revert to the new £3 per month fee, but I've caculated that if I spend at least £150 per month in the fuel & travel category, the card is worth keeping. My tip would be to keep a careful record of when your 0% rate expires, and either pay off the card or transfer out the balance in advance of this. Don't forget to adjust any direct debit to pay the full balance each month if you continue to use the card for cashback after this date! Reviewed on: 5th September 2016

Member Profile

Most Recent Reviews (4/8)

Great for automatic savings

Great prepaid card

Great rate on evil at savings, but a pain to open the account by phone

Generous 0% rate on purchases plus cashback