Freebies, supermarket discounts, switching bungs: give your finances a £4,000 boost

With many Brits preparing to fork out for Summer holidays in the next few months, these five budget boosters will help give you a money makeover.

There’s no denying that most of us are struggling to make ends meet at the moment.

While mortgage rates are becoming more competitive, the energy Price Cap is predicted to rise yet again in October.

And the Summer holidays haven’t helped, with many of us scrambling to find the cash for a two-week break or to keep the kids entertained.

But no matter the time of year, it’s a good idea to keep your eye out for ways to easily increase your bank balance.

We've rounded up a bunch of cash boosters, which could give your budget a helping hand worth up to £3,975, depending on how many you're eligible for.

1. Transfer your investments – up to £3,500

ISAs and pensions are a great way to save for your future and come in all sorts of forms. Best of all, they could be a useful way to shelter your nest egg from the taxman.

It’s always sensible to review your investments every couple of months to ensure that you are getting the level of return you were expecting.

And as with banks, if you think you might do better elsewhere, there may be a switching incentive on offer too.

For example, you can bag between £100 and £2,000 cashback if you open a private pension with Interactive Investor and deposit at least £10,000 before 30 June.

To receive the full amount, you’ll need to pay in at least £1 million, however.

At present, investment firm Charles Stanley also pays £1,500 when you make a transfer of cash or investments.

Be aware that the amount you can earn varies.

While deposits of less than £2,000 don’t receive any cashback, those of more than £200,000 get the full amount, plus a fee waiver.

That said, we are aware that most people won’t be able to invest in these higher brackets, but even a little cashback is better than nothing.

2. Move your bank account – bag up to £310

Switching your current account is a simple way to give your finances a healthy boost.

Right now, TSB is offering one of the most generous switching deals available.

If you open a Spend & Save or Spend & Save Plus account and complete a full switch, you could pocket up to £310 through a combination of cash payments and rewards.

First, you’ll get £100 paid into your account just for switching.

On top of that, you can earn £15 cashback every month for the first six months, as long as you make at least 20 debit card payments each calendar month – this adds up to £90.

Then in December 2025, if you again make 20 or more card payments, you’ll qualify for an additional reward.

In January 2026, you can choose between a £120 hotel voucher to use via Expedia or a 12-month activity pass.

TSB is one of the few banks that pays its switching bonus in stages, but if you’re happy to use the account actively, the total value is hard to beat.

Although the Spend & Save Plus version charges a £3 monthly fee, it includes a £100 interest-free overdraft and fee-free spending abroad.

Both accounts also give you access to a regular saver offering 5% fixed interest for a year on up to £250 a month. If you max this out, you could earn around £71 in interest.

Check out our run-through of the best bank accounts for switching bonuses for more.

3. Try a new supermarket – up to £25

With food inflation currently at 4.4% according to the Office for National Statistics, the cost of the weekly shop is an enormous concern for all of us in 2025.

However, there’s a smart way to get a big saving on your supermarket shopping, and that’s by tapping into the first-time customer offers on deliveries. 

At Sainsbury’s, for example, you can get £15 off a £60 shop until 30 June if you buy through vouchercodes.com, while you can get a £25 discount on Morrisons orders over £110.

Various supermarkets will have different terms and conditions around what counts as being a first-time shopper.

However, making use of these deals could help you save a few quid on what is one of our biggest monthly outgoings.

4. Move broadband provider – up to £140 voucher

Unfair mid-contract price hikes on mobile phones, broadband and pay TV have historically been one of our biggest gripes at loveMONEY.

In recent years, companies have advertised a lower contract price upfront but hit customers every March or April with a hike linked to inflation, plus an additional percentage.

The good news is Ofcom has stepped in to stop the practice, and providers will need to outline any price hikes down to the penny that are written into a customer’s contract.

Furthermore, there are vouchers to help keep costs down.

Right now, Vodafone is offering a £140 gift card if you switch to its Fibre 2 plan on a 24-month contract, which has a £25 monthly fee.

The average speed is 67Mbps.

Note, this offer ends tomorrow (24 June).

Save up to £181 on your broadband by switching to a cheaper deal with USwitch

5. Get what you’re entitled to

Many of us don’t think we are entitled to any form of benefits from the state, but that could be a costly mistake.

After all, according to Policy in Practice, around £23 billion a year is going unclaimed in the likes of Pension Credit and Universal Credit.

Missing out on these boosts to our income is doubly painful, as claiming them can open up further cash savings, such as social broadband tariffs, which offer decent speeds at a fraction of the price.