With many Brits worrying how they’ll fund Christmas this year, there has never been a better time to give your finances a makeover.
There’s no denying that most of us are struggling to make ends meet at the moment.
And with another bruising Budget on the horizon, it can feel as though things are getting more expensive by the day.
In this article, we've rounded up a bunch of cash boosters, which could give your budget a helping hand worth up to £9,485, depending on how many you're eligible for.
Transfer your pension – up to £2,000
Fidelity is currently offering up to £2,000 in cashback to customers who invest a lump sum into a Self-Invested Personal Pension (SIPP) before 10 November 2025.
The amount you’ll receive depends on how much you transfer.
For example, moving between £35,000 and £49,999 earns £200, rising to £600 for transfers between £100,000 and £249,999. Larger amounts qualify for higher cashback rates, with a maximum of £2,000 available if you transfer £1 million or more.
The cashback is calculated on the total value of all eligible transfers and investments, so multiple pensions can be combined to reach a higher tier.
Alternatively, Interactive Investor is offering £200 cashback when you open a SIPP and transfer at least £15,000 by 31 October.
Remember, these deals are best for those who were planning to transfer anyway – don’t move your pension purely for cashback, as fees and investment options can vary between providers.
Complete guide to transferring your pension
Bag up to £250 for trading in shares
If you hold online investments with Charles Stanley, you could receive up to £250 every time you refer a friend to the company, who then opens an account.
Note that the friend will need to transfer at least £20,000 within three months.
Otherwise, Interactive Investor will give you £50 worth of free trading credits if you open an Individual Trading Account and/or Stocks and Shares ISA by 31 October.
Be aware, these credits will expire on 31 December.
Get what you’re entitled to – up to £6,669
Many of us don’t think we are entitled to any form of benefits from the state, but that could be a costly mistake.
According to Policy in Practice, around £24 billion a year is going unclaimed through schemes such as Pension Credit and Universal Credit.
In fact, research published in The Sun last month revealed that some households could lose out on up to £6,669 in Universal Credit per year.
Unsurprisingly, this is an upper limit, with the average loss per household at £3,203.
Missing out on these boosts to our income is doubly painful, as claiming them can unlock further cash savings, such as social broadband tariffs that offer decent speeds at a fraction of the price.
You can check your eligibility using free tools such as Turn2Us or entitledto.co.uk.
Move your bank account – up to £400 (if you’re a high earner)
At present, Barclays is offering £400 to those who open its Premier Current Account.
However, the eligibility criteria are pretty strict, so this offer may not be for everyone.
To qualify, you'll either need to pay in a gross annual income of at least £75,000 or have a total balance of at least £100,000.
If you meet these criteria, you’ll also receive access to an Apple TV+ subscription, worth £9.99 per month, which includes a Major League Soccer Season Pass subscription.
Note that this offer expires on 27 November.
If this account is a little beyond your means, Lloyds pays a £200 bonus if you open a new Club Lloyds, Club Lloyds Silver or Club Lloyds Platinum account.
You’ll also bag a ‘lifestyle benefit’ of your choice every year, including six cinema tickets, an annual digital Coffee Club or Gourmet Society membership, an annual magazine subscription, or 12 months of Disney+.
Be aware, the Silver and Platinum plans include a monthly fee, and all accounts have a £2,000 minimum deposit requirement; otherwise, you’ll be charged £5.
Check out our run-through of the best bank accounts for switching bonuses for more.
Move broadband provider – up to £155 (ends soon)
Although going online is essential to most households, the monthly costs can be pretty painful if you choose the wrong package.
And, of course, it doesn’t hurt to get a little something back from your provider.
Right now, Vodafone is offering a £155 voucher for M&S, Sainsbury’s Tesco or Amazon if you switch to its Full Fibre 150 plan.
The company offers a 150mb speed, unlimited downloads and has a £24 monthly fee.
Note, this deal expires on 30 October.
Alternatively, Sky Broadband offers a £120 gift card for Waitrose, John Lewis, M&S or Tesco if you take out its Full Fibre 500 deal through Broadband Genie, which costs £30 per month for 24 months and has a speed of 500mb.
Again, this deal ends 30 October.
Save up to £203 on your broadband by switching to a cheaper deal with USwitch
Try a new supermarket – up to £20
With food inflation at 4.5%, many Brits are feeling the pinch at the checkout each week.
However, there’s a smart way to get a considerable saving on your supermarket shopping, and that’s by tapping into first-time customer offers on deliveries.
For example, Sainsbury’s is currently offering an £11 discount on your first shop if you spend at least £60 by 31 October.
Alternatively, you’ll receive up to £20 off your first order at Ocado.
Be aware that various supermarkets will have different terms and conditions around what counts as being a first-time shopper.
However, using these deals could help you save a few quid on one of our biggest monthly outgoings.
Supermarket first shop discount promos 2025: save at Sainsbury's, Ocado, Iceland