Which?

This week we're looking at the impact of the government's 'freedom and choice' rules a decade on and the options available to access your pension now.Find out more, read Annuities vs pension drawdown: which option is right for you? and sign up to our free monthly Money newsletter.

Credit cards - used wrong and they can be a nightmare, but used right, they can be a great tool, whether that’s the cheapest way to borrow, helping you get out of debt, or making the most of rewards. There are hundreds out there on the market with varying rewards, interest rates and functions. In this episode, Which? Money Expert Grace Witherden and Amy Knight, personal finance expert at NerdWallet UK, explain the different types, reveal the Which? Best Buys, and deep-dive into all things credit cards along the way. Read our best credit card deals and best providers & sign up to our free weekly Money newsletter. Become a Which? Money member and receive a special gift - offer ends 16 February 2025. Get 50% off a Which? membership.

Last week we released the Which? Cars podcast, where we sat down with our motoring experts to find out what they learned writing the 2025 Which? Car Guide. From revealing the data that shows new cars are spending more time off the road than old ones, to demystify the world of car finance, we've got you covered. We also answer some of your burning questions. Today, you can hear a teaser of what we got up to. You can listen to the full episode here - or become a Which? member for 50% off the usual price. Read the latest news from the cars team & sign up for our Cars newsletter, it's free monthly. Read about the most and least loved cars for 2025 & use our car reliability tool to check the reliability of your car.

Recent data shows that just 8% of us have actually received professional financial advice, while the number of financial advisors willing to work with smaller portfolios is falling. With that in mind, Money expert Megan Thomas and Chris Justham, Managing Director of Intermediary Solutions at financial advisors 7iM demystify the world of financial advice and explore whether or not AI could help bring the industry to the masses. Read more about financial advice & sign up to our free weekly Money newsletter. Become a Which? Money member and receive a special gift - offer ends 16 February 2025. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we warn you about the scams we think are going to be big in 2025, and give you the best advice on how to keep you, your money, and your data safe.Read more about scams you need to avoid & sign up for our free Scam Alerts service. Become a Which? member for 50% off the usual price.

This week we're looking at how setting up a trust could save your family money on a future inheritance tax bill.Find out more, read Ways to Avoid Inheritance Tax and sign up to our free monthly Money newsletter.

Car insurance prices finally fell in 2024, but you can be forgiven for not noticing. So what can you do to cut the cost of your premium, while ensuring you get the right amount of cover? Which? Insurance expert Dean Sobers and Richard Aucock, Director of Motoring Research and Vice Chair of the Guild of Motoring Writers share their tips to help you get the right cover for you. Read our car insurance reviews for 2025 & sign up to our free weekly Money newsletter. Sign our petition to end the insurance rip-off. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, our Travel team share their insider tips on how to save big on your 2025 holiday. Whether it's a package holiday, a cruise, flights, or a just a hotel, we have the best advice to help you get the best deal.Find out the mistakes to avoid when booking a holiday & sign up for our free monthly Deals newsletter. Click here to join Which? Travel. Become a Which? member for 50% off the usual price.

January is an important month in the tax calendar, but there are wider changes that will impact more of us. So what do you need to know for the year ahead? Which? Senior Writer Matthew Jenkin and Mitch Young, the Director of Fusion Consulting Group, break down how to get your self assessment form right, and share their tips on how to reduce your tax bill. Read more about tax changes in 2025 & sign up to our free weekly Money newsletter. Use our tax calculator to help you with your tax return. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we show how online marketplaces like Vinted and eBay can help you earn money from your post-Christmas clear-out. Read about how to avoid scams on online marketplaces & sign up for our free monthly Deals newsletter. Become a Which? member for 50% off the usual price.

As January is the time for organisation, in this episode we take a look at some of the services that offer to do that for you, particularly those specialising in later-life advice.Find out more, read Could a professional 'life admin' service make your life easier and sign up to our free monthly Money newsletter.

With the festive period over, all eyes are on the new year when budgets are often tight. So what can you do to make more money in 2025?Which? Money Editor Jenny Ross and Claer Barrett, the Consumer Editor at the FT share their tips on switching banks, cutting investment fees and maximising your savings pots.Sign our petition to end the insurance rip-off.Read more ways to make and save money in 2025 & sign up to our free weekly Money newsletter.Save 25% off a Which? Money annual membership for the first year.Get 50% off a Which? membership.

Fraud and scam complaints hit their highest level on record in the first quarter of the year. So what are the biggest scams doing the rounds and what can you do to avoid them? Which? scam specialists Tali Ramsey and Faye Lipson join us to give their best tips on how to beat the scammers. Read more about the biggest scams of the year & sign up to our free weekly Money newsletter. Sign up for our free Scam Alerts service & take our quiz to test your knowledge on deepfakes. Listen to our Get Answers episodes on deepfakes and ticket fraud. Save 25% off a Which? Money annual membership for the first year. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we explain how to get your hands on a handheld thermal imaging camera, and why they're a useful tool to find out how to reduce your energy bills. Read more about using a thermal camera & sign up for our free monthly Sustainability newsletter. Try our free home energy planning service & look for a surveyor we recommend on Trusted Traders. Join Which? Tech for 25% off the usual price - offer ends 8 January 2025. Become a Which? member for 50% off the usual price.

We've taste tested hundreds of Christmas staples to find the very best food and drink, and awarded our favourites the coveted Which? Best Buy award. Today, we reveal the very best mince pies, champagne and roast potatoes that you should be buying this Christmas. Plus, we're joined by Ben Ebbrell from Sorted Food who gives us the very best advice on how to avoid a nightmare in the kitchen on the big day. Read more about how to prep for Christmas dinner & sign up for our free monthly Food & Health newsletter. Get 50% off a Which? membership.

With the Bank of England base rate coming down from its recent high of 5.25%, many of us will be looking at the best way to boost our savings. But how can you find the best deals currently on the market? Which? Senior Writer Matthew Jenkin & Andy Webb, founder of be Clever With Your Cash highlight some of the best rates currently available, plus discuss the benefits of utilising more than one savings account. Read our reviews of the best savings accounts & sign up to our free weekly Money newsletter. Save 25% off a Which? Money annual membership for the first year. Get 50% off a Which? membership.

In this episode, we investigate the purchase scams rife on online marketplaces and look at how you can avoid falling victim to them.Find out more, read Online marketplaces: what you need to know before you buy and sign up to our free monthly Money newsletter & our free Scam alert newsletter

The way you choose to access your pension can have a big impact on the amount of money you have to live on in later life. So which option is right for you? Which? Money Editor Jenny Ross & Tom Selby, Director of Public Policy at AJ Bell explain how annuities and pension drawdown work, including the pros and cons of each method for turning your savings into a retirement income. Read our reviews of drawdown providers & sign up to our free weekly Money newsletter. Find out the best annuity rates on the market right now. Save 25% off a Which? Money annual membership for the first year. Get 50% off a Which? membership.

There's a chance that, while scrolling online, you'll have seen a video of a celebrity trying to get you to part with your cash. The problem is, a lot of these videos are fake and have been made with artificial intelligence. Today we reveal the story of our investigation into a financial scam all linked in a tangled web of fraud.This investigation is into the Quantum AI scam network, not Google's initiative to build quantum computing that has the same name.Read more about our investigation & sign up for our free monthly Tech newsletter. Listen to the Which? Shorts episode on deepfake technology.Get 25% off a Which? Tech membership until 8 January 2025.Get 50% off a Which? membership.

Investing doesn’t come cheap. From account fees to transaction fees, fund fees to foreign exchange fees, costs can soon mount up. But how can you reduce this? Which? Researcher Megan Thomas & Laura Suter, Director of Personal Finance at AJ Bell shine a light on the fees you have to pay, and  reveal the best platforms on the market right now. Read more on how to tax-proof your portfolio & sign up to our free weekly Money newsletter. Save 25% off a Which? Money annual membership for the first year. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we share with you our independent research into Black Friday, and reveal how many of the prices might have been cheaper at other times during the year. Read a list of the best genuine Black Friday deals we've found & sign up for our Deals newsletter, it's free monthly. To read more from the Which? magazine, become a Which? member for 50% off the usual price.

In this episode, we’re exploring the way hotel chains and airlines use a deceptive advertising trick called bait pricing to reel in unsuspecting consumers looking for a discount.Find out more, read How hotels reel you in with misleading discount claims & sign up to our free monthly Money newsletter

With a month to go until the big day, we sit down to give you some quick and easy ways to help make your money go further this Christmas. Which? Senior Writer Grace Witherden & author and finance expert Clare Seal give their everyday advice on everything from cashback, to savings challenges, making the most of loyalty schemes and how to know you’re getting a good deal this Black Friday. Read more ways to boost your festive funds & sign up to our free weekly Money newsletter. Save 25% off a Which? Money annual membership for the first year. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we reveal the home insurance providers and policies we recommend: our Which? Best Buys. Read all of our reviews of the 75 home insurance policies & sign up to our free weekly Money newsletter. Join our campaign to end the insurance rip-off. To read more from the Which? magazine, become a Which? member for 50% off the usual price.

In this episode, we’re having look at how you can save on your next holiday by revealing some of our recommended reward credit cards that let you collect air miles while doing your weekly shop.Find out more, look at the full comparison table with The best air mile credit cards 2024 & sign up to our free monthly Money newsletter

In last week’s Autumn Budget, Rachel Reeves announced a raft of changes that will impact first-time buyers, movers and second home owners. But were there any announcements that will actually benefit people? Which? Money’s mortgage specialist Stephen Maunder & Aneisha Beveridge, Head of Research at estate agent Hamptons explain what the Budget means for everybody on the property ladder. Read more about changes to stamp duty & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

Over the last few years, we’ve seen inflation rising to record levels, meaning prices on everything we buy have been going through the roof. Today we exclusively reveal some of the Great Value products we think you should buy - something you'd only usually find out if you were a Which? member. Read our full reviews of the products we recommend: tumble dryer, dishwasher, dehumidifier, television, mattress.Read about more ways to save money & sign up for our free monthly Deals newsletter. Get 50% off a Which? membership.

The long-awaiting Budget speech by Rachel Reeves was delivered today, but what did she say? Was anything new announced? And what does it all mean for you finances? Which? Money Editor Jenny Ross and Tom Selby, Director of Public Policy at AJ Bell, are here to digest and debrief it all to explain the good news, the bad news, and everything in between. Read more about what the 2024 Budget means for you & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

In this episode, we’re having look at what you can do to minimise the costs and save money with investment fees.Find out more, read about what to avoid with The worst-performing investment funds revealed & sign up to our free monthly Money newsletter

On the surface, prices for loyalty card members in the supermarkets look great, but research from Which? shows that they might not be all they seem cracked up to be. Which? Senior researcher Ellie Simmonds and financial advisor, author and TV presenter Emmanuel Asuquo reveal more from our investigation and explain how you can get the best deals when you’re doing your weekly shop. Read more about Ellie's investigation & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we share six quick and easy tips to cut the cost of your TV, broadband and mobile phone contracts. Check out our pages to compare broadband and phone contracts. Read more about how cashback sites work & sign up for our free monthly Tech newsletter. To read more from the Which? Tech magazine, become a member of Which? Tech. Get 50% off a Which? membership.

Saving money on energy bills is something we think about every winter, but a brand new tool from us here at Which? has made it even easier to work out how you can save. And are heat pumps the answer to long term savings? We explore their strengths and weaknesses. Use our new home energy planning service & sign up for our free monthly Sustainability newsletter. Get 50% off a Which? membership.

It’s often said that the older generation are considered to be at a financial advantage, but is that actually the case? Which? Principal Researcher Paul Davies and Lily Megson, Policy Director at My Pension Expert explain how you can help prepare for retirement no matter your age right now. Use our pension calculator & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

In this week's episode of Which? Shorts, we share with you the websites you should visit to grab yourself a bargain on eating out, weekend breaks and evenings of entertainment. Keep across the best deals & sign up for our free monthly Tech newsletter. To read more from the Which? Tech magazine, become a member of Which? Tech. Get 50% off a Which? membership.

In this episode, we examine the Bank of England's inner workings, including how it manages the economy and sets rates.Find out more, read about how the Bank of England's base rate will affect your mortgage & sign up to our free monthly Money newsletter

After years of campaigning from Which?, new rules have been introduced this week to make it easier to get your money back if you’ve been a victim of fraud. So what are the new rules and how do they work in practice? Which? Money Editor Jenny Ross and Matt Hepburn, Fraud Spokesperson at TSB explain what you should do if you think you’ve been a victim of fraud. Read our list of the best banks for dealing with fraud & sign up to our free weekly Money newsletter. Sign up for our free Scam Alerts service. Get 50% off a Which? membership.

With Black Friday and Christmas fast approaching, we’ve assembled two top experts to help you tackle the online giant. We hear how you can find the best deals, brilliant bargains, and even discuss whether it’s possible to live without shopping on the platform. Read our advice on how to spot a fake review & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

Whether you’re picking up a neighbour’s sofa off Facebook, bidding on antiques on eBay or ordering a personalised cereal bowl from Etsy, you, and millions of others, are actually using an Online Marketplace. They’re a brilliant way to connect buyers and sellers but a recent Which investigation has found they’re also a hotbed of dangerous products. So what can you do to ensure what you’re buying is safe? Read more about our investigation, and find out what the companies had to say. You can also read B&Q's response here. Get 50% off a Which? membership.

With a month to go until the US elects a new President, we take a look at how a Trump or Harris presidency might impact your investments, and explain what you can do to prepare for polling day. Which? Senior Researcher Josh Wilson and Russ Mould, Investment Director at AJ Bell share their insights to help you with your portfolio. Read more on how the election could impact your portfolio & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

In this episode, we look at funeral planning and how to deal with the rising costs.Find out more, read Funeral plans are still in demand but are they safe & sign up to our free monthly Money newsletter

This week we’re decoding your credit score - and credit report. We explain what happens when credit reference agencies have wrong information about you, how often this can happen and what you can do to protect yourself. Which? Researcher Megan Thomas and Adam French, Senior Editor at NerdWallet have all the answers to a topic that could be more complex than you might first imagine. Read more on how to improve your credit score & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

This week we revealed our yearly survey of the best home insurance policies on the market, and it doesn’t make for good reading. Prices are on the rise, and satisfaction levels are down. Which? insurance expert Dean Sobers explains how to find the right cover for you, plus Claire Massey explains what happened to her when things went wrong. Read more about our new survey & sign up to our free weekly Money newsletter. Join our campaign to end the insurance rip-off. Get 50% off a Which? membership.

When you hear the word scam, you might think of a dodgy email dropping into your inbox, or maybe a badly worded text from someone pretending to be from your bank. But scams are getting more and more sophisticated, and scammers themselves are working out new ways to deceive us all. So what can you do to stay ahead of the game? Read about the latest scams we've seen & sign up for our free Scam Alerts service.Get 50% off a Which? membership & become a member of Which? Tech.

In this episode, we explore where the risks of fraud and scams lie and how to report it if you fall victim to what is one of the most dominant crimes in the UK.Find out more, read the 5 fraud trends you need to know about & sign up to our free monthly Money newsletter

It may seem like something you don’t need to think about right now, but the general advice is that everybody should have a will just in case. Which? Wills expert James Buchan, and Lucinda Frostick, the Director of Remember A Charity explain what they are, what they should include, and how you go about making one. Get 30% off Which?'s Premium Will service & sign up to our free weekly Money newsletter. Get 50% off a Which? membership.

In this episode,  we’re looking at how the digital banking revolution has facilitated an increase in economic abuse.Find out more, read the 6 banking changes needed to help victims of financial abuse & sign up to our free monthly Money newsletter

Hear from the people turning to self employment in later life as they look to change careers or boost their income.We hear from those who have made the switch, asking how they overcame major hurdles to make their businesses work and their advice for success. Read our advice on the self-employed expenses you can claim & sign up to our free weekly Money newsletter.

Ahead of the new academic year we share the best advice and tips to help students make the most of their money.We explain how student finance works, how to treat your student loan, and reveal the best hacks to access the biggest discounts and bursaries.Click here to access our special podcast membership offer & sign up to our free weekly Money newsletter.

In this episode of Money Shorts, we're looking at 5 of the most sophisticated fraud attempts we've come across so far this year.Find out more and read How to avoid scams when booking a holiday & sign up to our free monthly Money newsletter

The Bank of England base rate fell earlier this month, so does that mean your mortgage costs will come down too? Which? Money’s mortgage specialist Stephen Maunder & Aneisha Beveridge, Head of Research at estate agent Hamptons explain what the base rate cut means, and predict the future of mortgage rates. Read the best mortgage rates this month & sign up to our free weekly Money newsletter.Get 50% off a Which? membership.