Cheap train travel: beat the 2022 rail fare hikes

Commuters could soon be hit with the biggest rail fare hikes for a decade, new figures suggest.

Annual train fare increases are calculated using July's Retail Prices Index (RPI) measure of inflation, which sadly for consumers has come in especially high this year at 3.8%.

As if that wasn't bad enough, the Government reserves the right to add an additional 1% hike on top of the RPI figure – as it did last year.

That means commuters could face hikes of up to 4.8%, the biggest in a decade, although the Government has stressed it has made no decision as yet on how it plans to calculate the 2022 hikes.

The great train robbery

The fact that the Government chooses to use RPI as the measure to calculate rail fare hikes has long been seen as a huge rip-off for the public as it's almost always far higher than all other measures of inflation: for comparison, the July figures for CPI and CPIH are 2% and 2.1% respectively. 

Read: how the Government uses inflation to rip us off

As Kevin Brown, savings specialist at Scottish Friendly, comments: 

"It is scandalous that rail fares are set by such an outdated measure. Those who rely on trains to get to work – many of which are now being told to return to the office – now face bumper rises in costs.

“Many will have been able to forgo a season ticket during the pandemic, even perhaps putting away some much-needed savings instead.

"That so many office workers are now set to return to ‘normal’ though, and the high costs that entails, could be a huge blow in financial terms.

"The pandemic had an unexpected positive impact on many people’s savings as they were able to stay home and save more. That is now unfortunately at risk of being unwound by the return to normal.”

To help you fight back against the great rail rip-off, we've put together a list of handy tips that will mail train travel a little less painful.

Trainline has a new tool which predicts when train tickets will go up and down.

The tool is available through the Trainline app and could cut passenger fares by almost 50%.

You'll get to see all of the cheapest Advance tickets at a glance in the run-up to your next journey. The app bases its figures on historical pricing trends from billions of journey searches to try and pinpoint when prices will increase over time.

Just pop in your destination and click 'find trains'. The app will come back with the cheapest fares on the day as well as over the coming weeks.

The Trainline app is available to download for free on the App Store and Google Play.  

Speaking of Advance fares, the easiest way to slash your train fare is to book ahead.

National Rail sets the timetable 12 weeks in advance, so this is when most really cheap advance deals start to get released. You can sign up for alerts for when they go on sale so you never miss out.

Even buying online on the day you're travelling can be cheaper as operators sometimes offer online discounts, particularly if you're travelling off-peak.

However, you can still save some money even at the last minute.

Typically if you book before 6pm the day before you travel you can usually buy an advance fare, which will be cheaper than walking up to the counter on the day.

CrossCountry has allowed passengers to buy advance fares up to 15 minutes before travel since 2015, and more train operators are following suit.

Now, advance fares are available on the day on long-distance Grand Central, Greater Anglia, Northern, TransPennine Express, Virgin Trains East and West Coast and Caledonian Sleeper routes, up to 10 minutes before you travel. 

The changes are part of the 12-month action plan to make buying tickets easier and simpler for passengers.

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There's almost always a sale on, so do a bit of research rather than going straight to your default rail operator's site.

If you can be flexible about when you travel you might be able to save with off-peak fares.

You can use cheap fare finders like the Virgin trains best fare finder to find the cheapest tickets for your route.

Two singles for each leg of your journey can often work out cheaper than the headline return fare – so always check the prices both ways.

Canny travellers have for several years been making use of a simple technique known as 'split ticketing'.

Instead of buying a single ticket to your destination, you break the journey down into two or three parts and buy separate tickets for each bit. It sounds like hard work – but it can help cut the price of your ticket by as much as half.

The reason you can save is thanks to the bewildering number of operators running Britain's rail network.

For example, although the Manchester-Carlisle route is run by Virgin who set the direct fares, local trains from Carlisle to Preston are run by Trans Pennine, while the local section from Preston to Manchester is run by Northern – each with their own system of tariffs.

And often, these separate routes are cheaper than direct passenger ones.

The only rule connected with the use of combination tickets (other than the fact the tickets must be valid, of course) is that the train must stop at the place where the tickets join, although you do not have to alight from the train or exit the station.

To calculate whether you can save on your chosen route, you need to look up possible splits using the SplitMyFare website. Then look up the price of the single fares on the rail operators' websites.

Make sure you buy them directly from the operators, rather than fee-charging sites such as thetrainline or raileasy (see below).

GroupSave allows groups of three to nine adults travelling together to save a third on Off-Peak tickets on participating services.

These can only be bought at a station but are well worth considering if you're travelling in a group. There's more information on GroupSave on the National Rail website.

If you have an annual season ticket or travelcard in the South of England you might have been issued a gold card, which can be used for discounts on leisure travel for you and others travelling with you.

For example you can get a third off Standard and First Class Anytime and Off-peak tickets for you and up to three adults aged 16 or over.

Find out more about the Annual Gold Card on the National Rail website.

And for tips on cutting the cost of travelling to work by train take a look at our guide, Cheap rail season tickets: six ways to cut costs.

There are a number of rail discount cards you can buy that reduce the cost of off-peak fares by up to a third.

16-25 Railcard

The 16-25 Railcard offers a third off rail fares for people aged between 16 and 25 (or those in full-time education). Cardholders can save an average of £161 with the card, which costs £30 for one year or £70 for three years.

If you travel between 4.30am and 10am Monday to Friday (except during July and August) a minimum fare of £12 will apply.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.

Two Together Railcard

The Two Together Railcard allows adults travelling as a pair to save a third off fares for journeys made together after 9.30am Monday to Friday, on weekends and on bank holidays. On average it can save two people £100 a year. It costs £30 for a card lasting one year.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.

Family and Friends Railcard
The Family and Friends Railcard allows up to four adults and four children (providing at least one child aged 5-15 is travelling in the party) to travel with discounted tickets.

Adults can save a third, while children’s fares are discounted by 60%. On average groups can save up to £117 a year. The card costs £30 for a year, or £70 for the three-year version.

The only time restriction on the card applies during rush hour Monday to Friday when journeys are made entirely within the London and south east area.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.

Senior Railcard
The Senior Railcard is only available to those aged 60 or above and offers cardholders a third off Standard and First Class rail fares.

It’s estimated to save an average of £106 a year on journeys and will set you back £30 a year or £70 for three years.

The only time restriction on the card applies during rush hour Monday to Friday when journeys are made entirely within the London and south east area.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.

Disabled Persons Railcard

If you have a disability that makes travelling by train difficult you might be eligible for the Disabled Persons Railcard.

It saves a third off rail fares for the person who has the Railcard plus one companion travelling with them. On average the card can save £114 on rail journeys. It costs £20 for one year or £54 for three years. You can see if you are eligible for one on the website.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.

Network Railcard
If you are travelling in London and the south east you may be able to cut a third off your costs with the Network Railcard.

The card allows you to take up to three adults (who also save a third) and up to four children (who get 60% off). The card costs £30 and lasts for a year.

You can’t use the Network Railcard for journeys before 10am Monday to Friday. However, train companies do allow certain exceptions to this rule. You can see a full list of them on this section of the Network Railcard site.

See here for details on exactly which tickets are eligible for a discount with the card and which aren’t.  

HM Forces Railcard

The HM Forces Railcard is available to members of the Regular Forces or a member's spouse.

It saves a third on adult rail fares. The card also allows the holder to travel with up to four children under 16 years with 60% off fares. It costs £19 a year.

See here for details on exactly which tickets are eligible for a discount and which aren’t.

26-30 Railcard

Next year a new railcard will be added offering 1/3 off most rail travel to people aged 26-30.

Full details about the card will be released in Spring 2018.

Avoid booking and card fees by buying tickets directly from rail operators, rather than thetrainline or raileasy.

You can exchange Clubcard vouchers for higher value rewards on redspottedhanky.com.

At the moment £5 in Clubcard vouchers cab be exchanged for £10 to use on the site.

Just be aware that this site doesn't always offer the cheapest fares.

Not a saving as such, but you could at least get more for your money by upgrading.

Virgin Trains is to auction off empty first class seats on selected routes, meaning standard class passengers could save up to £85 on their upgrade.

The offer will initially be limited to Virgin Trains East Coast weekday services from London King's Cross to Newcastle, Leeds, Edinburgh and York, although it says there are plans to add new routes.

How do I take part

To take part in the auction, you’ll need to download the Seatfrog app.

Auction prices will start at £5 – given that upgrades can cost upwards of £90, you could be set for quite a saving.

Annoyingly, the auctions will only begin a few hours before the departure time, so you’ll only be able to find out what class you’re travelling in at the last minute.

It'd be great to see similar initiatives rolled out across the UK but, for now, only a few travellers will be in line to benefit.