Personal Finance
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FLD is not a lender or a credit broker and does not arrange credit. This is general information, not advice to borrow. Any representative APR shown is an example, not a personal quote: the rate you are offered depends on your circumstances and may be higher.
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Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. Some links are referral links — we may earn a commission.
Quick answer
This hub gathers our everyday money guides in one place. Start with the section that matches what you’re trying to do — grow savings, use your ISA allowance, earn cashback, switch bank or choose a credit card — then use the tools and calculators to check the numbers for your own situation.
Everything here is general information, not personalised advice. Rates and offers change, so we date the figures we quote and link to the provider’s own page.
Where to start
| If you want to… | Start here | Then check |
|---|---|---|
| Earn more on savings you might need soon | Easy-access savings | FSCS limits |
| Lock in a rate for a set time | Fixed-rate savings | Easy-access or fixed? |
| Keep interest tax-free | ISAs guide | ISA vs savings |
| Get money back on shopping | Cashback hub | Should I use cashback sites? |
| Change bank or claim a switch offer | Switching bonuses | Should I switch bank? |
| Pay off a credit card | Repayment calculator | Balance-transfer cards |
Savings
- Savings guide — how UK savings accounts work and what to compare
- Easy-access savings accounts — instant-access accounts and their rates
- Fixed-rate savings accounts — locking money away for a guaranteed rate
- Notice vs fixed-rate savings — the trade-off between access and rate
- Easy-access or fixed-rate savings? — a quick way to decide
- FSCS protection limits — how much of your savings is covered
- Inflation and savings rates — what “real” returns mean
ISAs
- ISAs guide — the four types of adult ISA explained
- Easy-access ISAs compared — instant-access cash ISAs side by side
- Fixed-rate ISAs compared — fixed-term cash ISAs side by side
- ISA vs savings account — when the tax wrapper makes a difference
- Should I open an ISA? — a short decision guide
- ISA allowance rules — what counts towards your £20,000
- How to transfer an ISA — moving an ISA without losing the tax benefit
Cashback
- Cashback hub — how cashback sites, apps and cards compare
- Cashback sites — how sites like TopCashback and Quidco work
- Cashback and rewards apps — apps that pay you back on spending
- Should I use cashback sites? — the pros, cons and tracking catches
- Cashback credit cards — earning cashback on card spending
Some links in this table are referral links. We may earn a commission if you use them, at no extra cost to you. Rankings are based on our review methodology, not commission.
Switching
- Switching bonuses hub — how bank switching offers work
- Current account switch offers — offers checked on each bank’s own site
- Should I switch bank? — what to weigh up before you switch
- Current accounts — everyday accounts compared
Credit cards
- Credit and borrowing — the basics of borrowing well
- Everyday credit cards — simple cards for regular spending
- Rewards credit cards — points, miles and perks explained
- Cashback credit cards — cash back on spending
- Balance-transfer credit cards — moving debt to a lower or 0% rate
- APR explained — how to read the headline rate
- Credit card comparison table — 0% offers, fees and APRs side by side
The catch
No single product suits everyone. A higher rate can come with withdrawal limits, a switching bonus can come with conditions, and a rewards card only pays off if you clear the balance. Each guide in this hub has a “The catch” section so the trade-offs are easy to spot.
Who it’s for
- Anyone in the UK sorting out everyday money: savings, a current account, cashback or a credit card
- People who want the catches explained before they pick a product
- Readers who prefer to check the numbers themselves with a calculator
Who should skip it
You may want to look elsewhere if:
- You need regulated advice on investments, pensions or debt — speak to a regulated adviser or a free debt charity
- You run a business and want business banking — see our Business Finance Hub
Full explanation
We split personal finance into the jobs most people need to do at some point: building savings, using tax-free allowances, cutting everyday costs, choosing a current account and borrowing sensibly. Read the guides in any order. Each one links to a sensible next step.
Where we quote rates, fees or offers, we take them from the provider’s own website and show the date we checked. Where a figure comes from the government or a regulator — such as the ISA allowance or the FSCS limit — confirm it on the official source before relying on it.
Some pages include referral links. We may earn a commission if you use them, and it doesn’t change what you pay. You can read more on our How we make money page.
Tools
- Money tools — every tool on the site in one place
- ISA allowance tracker — keep count of what you’ve paid in this tax year
- Budget planner — map your income and outgoings
- UK credit scores — how scores work and how to check yours
Calculators
- Savings growth and compound interest calculator — see how savings could grow
- ISA savings calculator — project a cash ISA balance
- Credit card repayment calculator — how many months to pay off a card
- Cashback calculator — estimate what cashback could be worth
- Loan repayment calculator — monthly cost of a loan
Consumer FAQs
- Savings FAQs — rates, AER, tax and protection
- ISA FAQs — allowances, transfers and withdrawals
- Cashback FAQs — tracking, payouts and tax
- Switching FAQs — the switch service, timings and bonuses
FAQs
Is this personal finance hub financial advice?
No. The guides give general information to help you compare options. They don’t take your personal circumstances into account, so check the provider’s terms and consider regulated advice for bigger decisions.
How often are rates and offers updated?
We date every figure we quote. Rates and offers can change daily, so always check the provider’s own page before you apply.
Where do I start if I have no savings yet?
Start with an easy-access savings account for an emergency buffer, then look at ISAs once you have money you won’t need straight away. Our first savings account guide covers the basics.
Do you cover business finance too?
Yes. Business bank accounts, business credit cards and related guides live in our Business Finance Hub.
How do you make money from these pages?
Some pages include referral links. We may earn a commission if you use them. It doesn’t affect what you pay or which products we cover.
Decision guides
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