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The Perks of Switching Bank Accounts · A Little Bit Richer

• 0:01
  Kia Commodore: Hey, this is Kia, and today I'm asking, are all
• 0:04
  Kia Commodore: bank accounts equal? What benefits and features can you get?
• 0:08
  Kia Commodore: A lot of us sign up with a bank and stick with
• 0:09
  Kia Commodore: them for life, but what's the cost of loyalty, and
• 0:12
  Kia Commodore: more importantly, can we get a little bit richer by
• 0:15
  Kia Commodore: switching allegiance? Welcome to another episode of A Little Bit
• 0:18
  Kia Commodore: Richer, brought to you by my friends at Legal & General.
• 0:21
  Kia Commodore: To help us figure all this out is a friend
• 0:23
  Kia Commodore: of the show, Andy Webb, host of the Cash Chats
• 0:25
  Kia Commodore: podcast and the man behind the award- winning Be Clever
• 0:29
  Kia Commodore: With Your Cash blog. Welcome back, Andy.
• 0:32
  Andy Webb: Hey, Kia.
• 0:32
  Kia Commodore: A lot of people open a bank account and stay
• 0:34
  Kia Commodore: with the company forever after, but they may be missing
• 0:38
  Kia Commodore: out. Some banks offer a cash bonus to switch, and
• 0:41
  Kia Commodore: a new account could offer extra features, a free overdraft
• 0:43
  Kia Commodore: facility, and other rewards. When is it time to switch
• 0:47
  Kia Commodore: bank accounts, and how easy is this process?
• 0:49
  Andy Webb: I'd say now. Now's the time to switch. If you've
• 0:51
  Andy Webb: got a current account and it doesn't do anything for you, there's no perks,
• 0:55
  Andy Webb: there's no features, it's a frustrating online banking experience, there's
• 0:59
  Andy Webb: no reason why you should stick with them. We'll talk
• 1:02
  Andy Webb: about switching properly in a second, but I do want
• 1:04
  Andy Webb: to say first of all is you don't have to
• 1:05
  Andy Webb: switch to change bank. There's no limit to how many
• 1:08
  Andy Webb: current accounts you can have. I've lost count. It's my
• 1:12
  Andy Webb: job, right? So obviously I have to kind of look at different
• 1:15
  Andy Webb: account stuff. I've got like 14, 15 current accounts, and
• 1:18
  Andy Webb: that's fine. It's not a problem. So you can open
• 1:21
  Andy Webb: up extra accounts for some of these features, but there
• 1:23
  Andy Webb: are reasons to switch and if you do want to
• 1:25
  Andy Webb: switch, it is really, really, really simple. So effectively, you
• 1:28
  Andy Webb: open up that new current account that you want to
• 1:30
  Andy Webb: go to, and then during the application process, near the
• 1:33
  Andy Webb: end it says " Do you want to switch your bank?"
• 1:35
  Andy Webb: And if you do, it will... Basically this thing called the current account switch
• 1:39
  Andy Webb: in service, and this has a guarantee. So within seven
• 1:41
  Andy Webb: working days they will move all the money that's in
• 1:44
  Andy Webb: your existing current account over to the new account. They
• 1:47
  Andy Webb: will transfer the standing orders, the direct debits. They're going
• 1:50
  Andy Webb: to come out. You don't have to go to your
• 1:52
  Andy Webb: gas company or whoever it is and get them to change it. It's
• 1:54
  Andy Webb: all done for you, really nice and simple, and so it's
• 1:56
  Andy Webb: all done within seven working days. And if something goes
• 1:59
  Andy Webb: wrong, and I've done this so many times, nothing's ever
• 2:01
  Andy Webb: gone wrong, but sometimes it could go wrong. If it
• 2:03
  Andy Webb: does go wrong, then you would get compensation. It's important
• 2:06
  Andy Webb: to say, when you do this, this is known as
• 2:07
  Andy Webb: a full switch, that the old current account is closed
• 2:10
  Andy Webb: down. So that doesn't mean you have your new account
• 2:13
  Andy Webb: details, new sort code, new debit card. The only thing
• 2:16
  Andy Webb: that doesn't get transferred across basically is anything you've made
• 2:19
  Andy Webb: a payment with with that long card number on that
• 2:22
  Andy Webb: debit card. Those things you're going to have to go
• 2:23
  Andy Webb: into again and put new card details in. Everything else,
• 2:26
  Andy Webb: moved over in seven working days. And also, it doesn't
• 2:29
  Andy Webb: stop there, because the old bank will forward on any
• 2:32
  Andy Webb: extra payments effectively, forever. Let's say, in a year's time,
• 2:36
  Andy Webb: you've gone out for dinner with a mate, you've split
• 2:38
  Andy Webb: the bill, but they haven't got the cash, they need
• 2:39
  Andy Webb: to transfer it to you. They've got your old account
• 2:41
  Andy Webb: details, it's fine. That will just almost straight away appear
• 2:45
  Andy Webb: in your new account, so you don't have to worry
• 2:46
  Andy Webb: really about anything at all. That's a full switch. There
• 2:50
  Andy Webb: is something called a partial switch which doesn't have that
• 2:52
  Andy Webb: guarantee, but if you did want to keep the old
• 2:54
  Andy Webb: account open, but you wanted to move the direct debits
• 2:56
  Andy Webb: over or whatever it might be, you can do a
• 2:58
  Andy Webb: partial switch. Not all banks will let you do that,
• 3:01
  Andy Webb: but it's just worth knowing it does exist as well.
• 3:03
  Kia Commodore: I'm glad you mentioned how easy it is to switch, because sometimes it
• 3:07
  Kia Commodore: can feel overwhelming. You're like, " Okay, I need to move
• 3:09
  Kia Commodore: things over and I've got to manually do this, that, and
• 3:11
  Kia Commodore: a third." But there is, like I said, the current account
• 3:13
  Kia Commodore: switch service, or CAS, that is there to do it,
• 3:16
  Kia Commodore: and that guarantee gives you peace of mind to know
• 3:19
  Kia Commodore: that if anything goes wrong, you're completely covered. And a
• 3:21
  Kia Commodore: lot of people are under this idea that you can't
• 3:24
  Kia Commodore: have more than one or two, because maybe it's part
• 3:27
  Kia Commodore: of your credit score or... It doesn't really have an effect,
• 3:29
  Kia Commodore: does it?
• 3:30
  Andy Webb: I think we're talking in a moment about there is a
• 3:31
  Andy Webb: kind of an element you to be aware of your
• 3:33
  Andy Webb: credit score when you do this, but ultimately, if you
• 3:35
  Andy Webb: do it sensibly, I think there are advantages. And also
• 3:39
  Andy Webb: sometimes banks have problems with the apps, and they go down for a day.
• 3:43
  Andy Webb: We don't like it, but sometimes it happens. If you've
• 3:45
  Andy Webb: got more than one current account and you've got some
• 3:46
  Andy Webb: money in those other current accounts, at least you can kind of
• 3:49
  Andy Webb: get by, and you could still do stuff. So there
• 3:51
  Andy Webb: there's lots of really good reasons to have more than one.
• 3:54
  Kia Commodore: Exactly. I agree with you. So we won't get too specific because
• 3:57
  Kia Commodore: things can change very quickly, but there are some great
• 4:00
  Kia Commodore: rewards that you can get from switching, so let's go
• 4:02
  Kia Commodore: through a few of them together.
• 4:04
  Andy Webb: Yeah. The big one where you absolutely have to switch
• 4:07
  Andy Webb: and do a full switch to get it is the
• 4:08
  Andy Webb: cash bonus. I made thousands of pounds doing this, and
• 4:11
  Andy Webb: this is when the switching offers were around like a
• 4:13
  Andy Webb: hundred quid and stuff. Now, the last couple of years,
• 4:15
  Andy Webb: we've been seeing some of them going up to 200
• 4:17
  Andy Webb: quid if not beyond that, and that's basically a bribe.
• 4:21
  Andy Webb: The new bank saying, " Hey, look, come over to us,
• 4:24
  Andy Webb: and we'll give you cash." And that is a really
• 4:26
  Andy Webb: good reason. If you need some money, a really good
• 4:28
  Andy Webb: reason to go ahead with a switch. Other reasons you
• 4:32
  Andy Webb: might want to change your bank, and you might want
• 4:33
  Andy Webb: to switch this or open up an additional account to
• 4:35
  Andy Webb: get it. Again, there are so many. A lot of them
• 4:38
  Andy Webb: offer little perks, so maybe free cinema tickets or free
• 4:41
  Andy Webb: Disney plus, things like that. Some of them might have
• 4:44
  Andy Webb: linked savings accounts that you can only get if you have
• 4:46
  Andy Webb: their current account, and those rates that have on those
• 4:48
  Andy Webb: accounts often amongst the best ones out there. Oh, there's
• 4:52
  Andy Webb: so much. I mean, you mentioned about overdrafts before. There
• 4:54
  Andy Webb: aren't many of these, but some of them will give you
• 4:56
  Andy Webb: a naught percent overdraft over a small buffer or for
• 4:58
  Andy Webb: a year. Again, that could be a really big help
• 5:00
  Andy Webb: when it comes to debts. Another big reason to change
• 5:03
  Andy Webb: your bank again is that the online banking and the app,
• 5:07
  Andy Webb: some of these newer banks, and they're not even new
• 5:08
  Andy Webb: anymore, they've been going for such a long time, but
• 5:11
  Andy Webb: the day- to- day banking, so much easier. From the ground
• 5:14
  Andy Webb: up, they've been designed, these apps, to do that. So
• 5:16
  Andy Webb: again, a really good reason to change your bank. Again, there's
• 5:19
  Andy Webb: so many more, but they're the kind of headline ones.
• 5:20
  Kia Commodore: I think that's great. There's so many rewards out there that people just don't realize, but if you
• 5:26
  Kia Commodore: just made that switch, I mean obviously some people, they
• 5:28
  Kia Commodore: feel like they want stay one bank, fine, but if
• 5:31
  Kia Commodore: you do want to switch, like you said, you've made thousands.
• 5:34
  Kia Commodore: That's good. It sounds like a little side hustle. You've
• 5:36
  Kia Commodore: got us a little side hustle hack there. You can get free
• 5:38
  Kia Commodore: cinema tickets, all those kind of things. It's really good
• 5:39
  Kia Commodore: to have a look at. But for anyone who's considering
• 5:42
  Kia Commodore: it, how can they compare between different accounts and to
• 5:47
  Kia Commodore: make that decision a lot easier for them?
• 5:48
  Andy Webb: Yeah. I think you've really got to look at what's
• 5:50
  Andy Webb: on offer and look at the bank's own site. They'll
• 5:53
  Andy Webb: take you through those different features, those savings accounts, the
• 5:55
  Andy Webb: rewards, whatever it might be. There are loads of videos
• 5:59
  Andy Webb: and reviews that you can find online that will take
• 6:01
  Andy Webb: you through the pros and cons on becleverwithyourcash. com. Like
• 6:05
  Andy Webb: anytime there's one of those switching deals pops up, I'm
• 6:07
  Andy Webb: writing a full analysis of that and telling you what
• 6:08
  Andy Webb: you need to do. Because some of these will have
• 6:10
  Andy Webb: terms and conditions attached. It's not a simple case of
• 6:13
  Andy Webb: you just do this. If you want that free cash,
• 6:15
  Andy Webb: they might want you to deposit a certain amount of
• 6:17
  Andy Webb: money in a certain amount of time, or have a
• 6:18
  Andy Webb: couple of direct debits that come out every single month,
• 6:21
  Andy Webb: or you have to check the app once a month.
• 6:24
  Andy Webb: Although for the switching deal or some of those ongoing
• 6:26
  Andy Webb: offers, some of them might have fees. Now if you
• 6:29
  Andy Webb: do everything right, then the rewards you get will wipe
• 6:31
  Andy Webb: out the fee, but you've got to do it right,
• 6:33
  Andy Webb: otherwise you might end up costing you money. So be
• 6:35
  Andy Webb: really careful, all that stuff. Do check all those terms
• 6:37
  Andy Webb: and conditions. But you do all that, I think it's
• 6:39
  Andy Webb: going to be a nice and simple kind of process
• 6:42
  Andy Webb: for you.
• 6:42
  Kia Commodore: Absolutely. I think the last time I did it, I
• 6:44
  Kia Commodore: switched over but one of those caveats was that I
• 6:47
  Kia Commodore: had to deposit, I can't remember how much the money
• 6:49
  Kia Commodore: was, but a certain amount of money for six months
• 6:51
  Kia Commodore: before I could get that money into my account, and
• 6:54
  Kia Commodore: I had to make it a real process to remember
• 6:55
  Kia Commodore: to put that money in every month. I set an
• 6:57
  Kia Commodore: alarm, put it in there, and I finally got that
• 6:59
  Kia Commodore: reward. So it's just being aware. Reading that fine print,
• 7:01
  Kia Commodore: that's what you're getting into. It's not just you can
• 7:03
  Kia Commodore: get 200 pounds to switch in, but maybe you have
• 7:05
  Kia Commodore: two direct debits, put a certain amount like you said. It's
• 7:06
  Kia Commodore: just being aware of what there is.
• 7:08
  Andy Webb: Yeah. And weigh up whether it's worth your time. I
• 7:10
  Andy Webb: see some deals and I say to people that I
• 7:12
  Andy Webb: personally wouldn't bother with it. They want it, they might do
• 7:14
  Andy Webb: 20 transactions on your debit card every single month just
• 7:18
  Andy Webb: to get two pounds. I'm like, " Actually, is it really
• 7:21
  Andy Webb: worth your time?" And you might better off spending that time
• 7:24
  Andy Webb: with some other kind of side hustle or just enjoying
• 7:26
  Andy Webb: your life. So you weigh these things up. Is it
• 7:29
  Andy Webb: going to be worth the time you put into it?
• 7:30
  Andy Webb: But overall, yeah, I mean you can have anything from
• 7:33
  Andy Webb: just a couple of current accounts. We have a couple
• 7:35
  Andy Webb: of rewards and features through to like you and I
• 7:37
  Andy Webb: with quite a few.
• 7:38
  Kia Commodore: Quite a few.
• 7:39
  Andy Webb: There is admin with that.
• 7:39
  Kia Commodore: Yes, there is.
• 7:40
  Andy Webb: You've got to keep on top of it, but you can cycle
• 7:43
  Andy Webb: money throughout the different accounts, all that kind of stuff.
• 7:45
  Andy Webb: So it is definitely manageable, but maybe build up to that.
• 7:47
  Kia Commodore: Build up to that. So let's go back to banks then.
• 7:50
  Kia Commodore: There's this debate that's always going on, and it's traditional
• 7:55
  Kia Commodore: banks. So when we say that we're talking about your
• 7:57
  Kia Commodore: typical brick- and- mortar banks, maybe like HSBC or Nationwide
• 8:00
  Kia Commodore: versus digital banks, which is like Monzo and Starling. What
• 8:04
  Kia Commodore: should people look out for to decide what's actually better
• 8:08
  Kia Commodore: for them? So how can we know what's better, and
• 8:11
  Kia Commodore: what are the important things that we should look out for?
• 8:14
  Andy Webb: Yeah. There's no right or wrong answer here. The digital
• 8:17
  Andy Webb: banks have some of the best apps out there, and
• 8:20
  Andy Webb: they are obviously great ways to do your everyday banking,
• 8:23
  Andy Webb: but you don't have access to branches. A lot of
• 8:25
  Andy Webb: people go, "Does that really matter how often?" When did you last go
• 8:27
  Andy Webb: into your branch?
• 8:29
  Kia Commodore: A few years ago.
• 8:29
  Andy Webb: Yeah. And that's why we're seeing so many branches closing.
• 8:32
  Andy Webb: So it might well be that the other banks, there
• 8:34
  Andy Webb: isn't a branch on your high street anyway, but it's something
• 8:37
  Andy Webb: to be aware of. If you do want branch access,
• 8:40
  Andy Webb: then you want to prioritize a bank that does have
• 8:42
  Andy Webb: one near you, at least for the time being. So
• 8:45
  Andy Webb: that's a big thing there. And as I said before,
• 8:47
  Andy Webb: I would always have more than one account anyway. So
• 8:49
  Andy Webb: if you have got a digital bank, I like to
• 8:51
  Andy Webb: have a high street bank as well, one of the ones
• 8:53
  Andy Webb: that has some of those features that we spoke about,
• 8:55
  Andy Webb: just to kind of balance things out. There are a
• 8:57
  Andy Webb: handful of digital banks that you need to be aware
• 8:59
  Andy Webb: of because they're not fully licensed bank in the UK
• 9:03
  Andy Webb: yet. They are applying for this license. They haven't got
• 9:05
  Andy Webb: it yet. And the key ones here, the time we're
• 9:07
  Andy Webb: recording this, are Revolut and Monese. So they are ones
• 9:11
  Andy Webb: which don't have the financial services compensation scheme protections amongst
• 9:15
  Andy Webb: other things. Now, this is about where, if they were
• 9:17
  Andy Webb: to go bust, any money held would be protected up
• 9:20
  Andy Webb: to a massive 85,000 pounds. So just be aware of
• 9:24
  Andy Webb: that, that there is a risk there.
• 9:25
  Kia Commodore: Yeah, that is good to know. I think, like I said, having a hybrid, it is the best of
• 9:28
  Kia Commodore: both worlds. But it is hard. I don't think you
• 9:30
  Kia Commodore: can pick one that's better. I think that hybrid works
• 9:32
  Kia Commodore: nicely. So let me ask you then. We've spoken about
• 9:35
  Kia Commodore: the benefits of switching. There's a lot of rewards you
• 9:36
  Kia Commodore: can get, and it sounds great. So is it worth
• 9:40
  Kia Commodore: regularly switching accounts to get the latest offers, or are
• 9:44
  Kia Commodore: there any downsides that we need to be aware of
• 9:46
  Kia Commodore: apart from obviously the admin that comes with it?
• 9:49
  Andy Webb: Yeah, so a couple of things. Obviously, when you're doing
• 9:50
  Andy Webb: the full switch, as we mentioned before, this does close
• 9:53
  Andy Webb: your old current account, and sometimes you might have a
• 9:56
  Andy Webb: linked product, maybe a savings account, maybe a credit card,
• 9:59
  Andy Webb: you never know, that has all these great features and
• 10:01
  Andy Webb: benefits, but they're only available to you if you have
• 10:04
  Andy Webb: the current account. So just double check, if you haven't,
• 10:06
  Andy Webb: what's going to happen to that. It might be that
• 10:08
  Andy Webb: it's closed down or you lose the rate or you have
• 10:10
  Andy Webb: to start paying a fee or whatever it might be.
• 10:11
  Andy Webb: So check that stuff first of all. But other than that, I think
• 10:14
  Andy Webb: the big thing to think about here is the impact
• 10:16
  Andy Webb: on your credit score, particularly if you're doing repeat switching.
• 10:20
  Andy Webb: Because every time you open up a new current account,
• 10:23
  Andy Webb: the vast majority of the time, you're going to have
• 10:24
  Andy Webb: a hard search appear on your credit report that will
• 10:27
  Andy Webb: last for 12 months. It's going to stay on there.
• 10:30
  Andy Webb: The more of these that you do, the bigger the
• 10:32
  Andy Webb: impact that's going to have on your credit report. Now,
• 10:34
  Andy Webb: if you haven't got anything big coming up in the
• 10:37
  Andy Webb: next year, you don't need to get a 0% percent transfer
• 10:41
  Andy Webb: or purchase credit card, you don't have to do a
• 10:43
  Andy Webb: remortgage or a first mortgage application, things like that, there's
• 10:46
  Andy Webb: nothing major coming along and your credit score is relatively
• 10:48
  Andy Webb: healthy, then in a year's time, that will drop off,
• 10:51
  Andy Webb: it's not going to be an issue. You can do
• 10:53
  Andy Webb: a number of them, space it out every three months
• 10:56
  Andy Webb: is an ideal way, and this is all your credit applications,
• 10:58
  Andy Webb: not just bank accounts. But spread them out, just to
• 11:02
  Andy Webb: reduce that kind of impact. But I know, I've done
• 11:04
  Andy Webb: it myself, where I've done a number in a short
• 11:06
  Andy Webb: space of time. You need to make that decision for
• 11:08
  Andy Webb: your own personal situation. So that's important to know, just
• 11:11
  Andy Webb: spacing that out. But there is another impact that switching
• 11:14
  Andy Webb: explicitly will have on your credit report, and that's because
• 11:18
  Andy Webb: it's that closure again of that account, that existing account.
• 11:21
  Andy Webb: Because if you've had that for two years, five years,
• 11:24
  Andy Webb: 10 years, 20 years, whatever, we talked beginning about how
• 11:27
  Andy Webb: maybe you had opened it and then you've still got it,
• 11:29
  Andy Webb: you've never done anything about it. That longevity, that kind
• 11:34
  Andy Webb: of indication of loyalty, that is also a really good
• 11:37
  Andy Webb: signal in your credit report. And when that account closes,
• 11:41
  Andy Webb: you lose that, and the only way to build it
• 11:42
  Andy Webb: back up...
• 11:43
  Kia Commodore: Is to stay with another bank for a long time again.
• 11:46
  Andy Webb: (inaudible) time. Yeah. So what I generally say to people,
• 11:47
  Andy Webb: a little hack that I suggest to get around that,
• 11:50
  Andy Webb: is to not close. Never switch that main account. Because
• 11:53
  Andy Webb: you can open up what I call a dummy account.
• 11:55
  Andy Webb: So it's just a separate current account. You open it up, and the only
• 11:58
  Andy Webb: reason you're opening up this current account is you're going
• 12:00
  Andy Webb: to use it to switch, to get that free cash,
• 12:02
  Andy Webb: right? Open it up, credit check most of the time
• 12:05
  Andy Webb: for that, then open up the account you want to
• 12:07
  Andy Webb: switch to to another credit check. So that's two credit
• 12:08
  Andy Webb: checks in a short space of time, so just be
• 12:10
  Andy Webb: aware of that. But you do the switch, you get
• 12:12
  Andy Webb: your free money, and the old one's still there. That
• 12:14
  Andy Webb: loyalty is not gone. And then if you want to,
• 12:17
  Andy Webb: that account you've switched to for the cash, well that
• 12:19
  Andy Webb: could be another dummy account, and you can switch that one
• 12:21
  Andy Webb: again, and again, and again. If you decide you get
• 12:24
  Andy Webb: to an account you want to keep because of perks
• 12:25
  Andy Webb: and benefits, well open up a different dummy account. So
• 12:28
  Andy Webb: yeah, look into that little bit more. It's simple, but
• 12:30
  Andy Webb: some things you need to be aware of, but they're the big
• 12:32
  Andy Webb: things to think about.
• 12:33
  Kia Commodore: I love the fact that you mentioned dummy account, because
• 12:35
  Kia Commodore: that was something that my dad had told me a
• 12:37
  Kia Commodore: while back when I got into switching rewards and all of that. And like I
• 12:42
  Kia Commodore: said, I had my (inaudible) Bank that I'd been
• 12:43
  Kia Commodore: in for ages, and he said, " You know what, leave
• 12:45
  Kia Commodore: that." Like he said, " Leave it. The loyalty works in
• 12:47
  Kia Commodore: your favor, but open up a separate account you're not
• 12:49
  Kia Commodore: really that fussed about, and then you can use that." And that's
• 12:51
  Kia Commodore: what I've been doing and it is a really, really good tip there.
• 12:53
  Kia Commodore: Keep in mind, the application's a short space of time,
• 12:56
  Kia Commodore: but it is a really good tip that you put out
• 12:58
  Kia Commodore: there. So before we wrap up, Andy, what are your
• 13:00
  Kia Commodore: top tips for listeners when thinking about their choice of
• 13:03
  Kia Commodore: bank account?
• 13:04
  Andy Webb: So first of all, I would just remind everyone that
• 13:06
  Andy Webb: you can have more than one current account. So as much
• 13:08
  Andy Webb: as you feel you can manage, you can have all
• 13:10
  Andy Webb: the different perks and features from a number of different
• 13:12
  Andy Webb: accounts. If you're going to switch, set up that dummy
• 13:15
  Andy Webb: account at least for that first switch so you don't lose
• 13:17
  Andy Webb: that kind of loyalty that you've built up on your
• 13:19
  Andy Webb: credit report from that existing account. And then whether it's
• 13:22
  Andy Webb: open up a new account for a perk or whether
• 13:24
  Andy Webb: you're switching, just check those terms and conditions because you
• 13:27
  Andy Webb: want this to be making you money or giving you
• 13:29
  Andy Webb: a better banking experience. You don't want it to be
• 13:31
  Andy Webb: costing you cash.
• 13:32
  Kia Commodore: Absolutely. Thank you so much, Andy. As always, as a
• 13:36
  Kia Commodore: friend of the podcast, you come and grace us with
• 13:37
  Kia Commodore: so much knowledge and gems. Thank you so much. On
• 13:40
  Kia Commodore: the next episode of A Little Bit Richer, I'm going
• 13:42
  Kia Commodore: to be talking all about travel and how you can
• 13:45
  Kia Commodore: head on a holiday without breaking the bank. Don't forget,
• 13:48
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• 13:54
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• 13:56
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• 14:00
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• 14:02
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• 14:05
  Kia Commodore: Little Bit Richer is brought to you by Legal & General.
• 14:08
  Kia Commodore: Thank you for listening, and see you soon.