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Santander launches £175 switcher offer for new and existing customers

From today (14 May) customers can earn £175 when switching to an eligible Santander UK current account.

Open to both new and existing 1 Santander UK customers, those using the Current Account Switch Service (CASS) 2 to switch to either a Santander Edge current account, Santander Edge Up current account, or Private current account (v2), will, from today, earn £175.

To qualify for the £175 payment, customers must:

• Complete the full switch within 60 days of requesting the switch process (including the closure of the old account).
• Pay in at least £1,500 within 60 days of requesting the switch process. This does not need to be in one payment.
• Set up two active direct debits within 60 days. Direct Debits to fund Santander, cahoot, or Cater Allen savings accounts do not count for the purposes of this offer.
• Continue to hold the qualifying current account on the day the payment is made.

Those eligible for the payment will get paid within 90 days of starting the switch process 3 .

New customers can switch online through the Santander website or in branch. Existing Santander UK customers must visit a branch to take advantage of this offer.

Andrea Melville, Director of Current Accounts, Savings and Business Banking, Santan der said: “Following a fantastic response to our switcher incentive earlier this year,  we are pleased to be able to offer yet another reason to join the bank. Our switching offer gives customers an added boost, while our Edge current accounts provide customers with long-term ongoing value, through cashback on their essential spending and household bills.”

Customers who have previously benefited from a Santander switcher incentive are not eligible for this latest offer.

Santander has a variety of current accounts eligible for this switcher offer designed to maximise value for customers:

• The Santander Edge current account offers customers up to £20 a month from cashback on essential bills and spending, a linked 7.00% AER easy access saver, and fee-free spending abroad using the Santander Edge debit card, for a £3 monthly fee.
• Santander’s Edge Up current account offers customers up to £30 a month from cashback on essential bills and spending, 3.5% AER in credit interest (up to £25,000) on their current account balance, and fee-free spending abroad, for a £5 monthly fee.
• The Santander Private Current Account (v2) offers customers up to £1,500 in daily withdrawals from cash machines, access to 10,000 branches across 11 countries, and 3.5% AER interest on balances up to £25,000, for a £5 monthly fee.

More information on these current accounts, their benefits, conditions, and eligibility, is available on the Santander website.

The information contained in our press releases is intended solely for journalists and should not be used by consumers to make financial decisions.

Notes to Editors

1.    Existing Santander Edge current account, Santander Edge Up current account, and Private current account (v2) customers, can also use the current account switch service (CASS) to transfer their balances and direct debits from bank accounts with other providers into their existing Santander current account to benefit from the offer. 2.    Current Account Switch Service (CASS) makes switching simple, by transferring the existing current account balance, and all direct debits, standing orders and salary commitments, within seven days. The £175 switching offer is for a limited time period and can be withdrawn at any time. 3.    Santander assesses whether a customer has achieved eligibility for the offer 60 days after the switch through CASS has been instructed. If eligible, the £175 payment is then made within 30 days after that assessment. 

Santander UK is a financial services provider in the UK that offers a wide range of personal and commercial financial products and services. At 31 December 2023, the bank had around 19,800 employees and serves around 14 million active customers, 7 million digital customers via a nationwide 444 branch network, telephone, mobile and online banking. Santander UK is subject to the full supervision of the FCA and the PRA in the UK. Santander UK plc customers’ eligible deposits are protected by the FSCS in the UK.

Banco Santander (SAN SM, STD US, BNC LN) is a leading commercial bank, founded in 1857 and headquartered in Spain and one of the largest banks in the world by market capitalization. The group’s activities are consolidated into five global businesses: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking (CIB), Wealth Management & Insurance and Payments (PagoNxt and Cards). This operating model allows the bank to better leverage its unique combination of global scale and local leadership. Santander aims to be the best open financial services platform providing services to individuals, SMEs, corporates, financial institutions and governments. The bank’s purpose is to help people and businesses prosper in a simple, personal and fair way. Santander is building a more responsible bank and has made a number of commitments to support this objective, including raising €220 billion in green financing between 2019 and 2030. In the first quarter of 2024, Banco Santander had €1.3 trillion in total funds, 166 million customers, 8,400 branches and 211,000 employees.

Santander launches £175 free cash offer and you don't have to bank online to get it

Those who switch to Santander will get paid within 90 days of starting the switching process

By Temi Laleye

Published: 14/05/2024

Updated: 14/05/2024

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Santander has launched a new switching deal which offers eligible Britons the chance to earn £175 when qualifying customers switch current account online or in branch.

From today, both new and existing Santander UK customers can earn £175 when switching to an eligible Santander UK current account.

New customers can switch online through the Santander website or in branch.

Existing Santander UK customers must visit a branch to take advantage of this offer.

Savers can use the Current Account Switch Service (CASS) to switch to either a Santander Edge current account, Santander Edge Up current account, or Private current account (v2).

To qualify for the £175 payment, customers must:

Santander assesses whether a customer has achieved eligibility for the offer 60 days after the switch through CASS has been put forward

• Complete the full switch within 60 days of requesting the switch process (including the closure of the old account).
• Pay in at least £1,500 within 60 days of requesting the switch process. This does not need to be in one payment.
• Set up two active direct debits within 60 days. Direct Debits to fund Santander, cahoot, or Cater Allen savings accounts do not count for the purposes of this offer.
• Continue to hold the qualifying current account on the day the payment is made.

Qualifying customers will get paid within 90 days of starting the switch process.

Santander assesses whether a customer has achieved eligibility for the offer 60 days after the switch through CASS has been put forward.

If they find a customer is eligible, the £175 payment is then made within 30 days after that assessment.

Andrea Melville, director of current accounts, savings and business banking, Santander said: “Following a fantastic response to our switcher incentive earlier this year, we are pleased to be able to offer yet another reason to join the bank.

“Our switching offer gives customers an added boost, while our Edge current accounts provide customers with long-term ongoing value, through cashback on their essential spending and household bills.”

If someone has already taken part in a switch to Santander then they will not be eligible for this new offer

Santander has a variety of current accounts eligible for this switcher offer designed to maximise value for customers.

The Santander Edge current account offers customers up to £20 a month from cashback on essential bills and spending, a linked seven per cent AER easy access saver, and fee-free spending abroad using the Santander Edge debit card, for a £3 monthly fee.

Santander’s Edge Up current account offers customers up to £30 a month from cashback on essential bills and spending, 3.5 per cent AER in credit interest (up to £25,000) on their current account balance, and fee-free spending abroad, for a £5 monthly fee.

The Santander Private Current Account (v2) offers customers up to £1,500 in daily withdrawals from cash machines, access to 10,000 branches across 11 countries, and 3.5 per cent AER interest on balances up to £25,000, for a £5 monthly fee.

For more information on these current accounts and deals, Britons can visit the Santander website.

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Telephone and internet-based bank first direct also offers a £175 switching incentive when customers open a qualifying current account with them. In addition to the free £175, customers have access to first direct’s 1st Account - a linked regular saver which pays seven per cent interest on up to £300 a month.

Many people can also get an ongoing £250 zero per cent overdraft. The debit card is also fee-free for overseas spending and ATM withdrawals.

Another option comes from Virgin Money. The Virgin Money M Plus account pays 2.02 per cent AER variable interest on up to £1,000 saved in the account. New customers who switch will get 10.47 per cent AER fixed interest added on top. This works out at 12.68 per cent AER interest which worth a little over £125 if people keep £1,000 saved for a full year.

Savers living in Northern Ireland also have access to free £200 if they switch to Danske Bank.

The Danske Reward Account has a £2 a month fee but gives £5 a month cashback if customers sign up for digital statements, pay in at least £1,000 each month and use their debit card eight times each month.

Alastair Douglas, CEO of TotallyMoney said: “Just two weeks ago it looked like competition for current accounts was waning, but since then, we’ve seen Virgin Money, first direct, and now Santander return to the market, offering either cash or high savings rates for people’s banking.

“And at a glance, the Santander offer looks like great value, with a £175 bonus for those using the Current Account Switch Service to move their money to one of three current accounts provided by the bank. However, all three options carry fees of between £36 and £60 per year, and are only available to customers who’ve never benefited from a similar Santander incentive, and deposit at least £1,500 and set up two Direct Debits within 60 days.

“In reality, the switching bonus on offer is either £139 or £115 — which along with free-fee foreign spending, cashback, and easy access savings rates of up to 7%, still isn’t a bad option. So if you’re unhappy with your current bank, or fancy taking advantage of a cash incentive then it’s definitely worth considering. Just read the small print, and check the other offers available to you.

“Current account switching is easy, so don’t be put off. Transferring savings and Direct Debits is all done for you with the Current Account Switch Service. More than 50 banks and building societies have signed up to the service, 99 per cent of switches are completed within seven days, and 9 in 10 people are happy with the service.”

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Santander offers £175 to switch your current account - but don't be caught out by the monthly fees

Santander has launched a £175 current account switching bonus, with the offer open to new and existing Santander customers.

From today, customers that switch to a Santander Edge current account, an Edge Up account or a private current account will be eligible for a £175 bonus.

However, all three of these accounts come with monthly fees which will eat into the bonus cash. 

Santander charges £3 per month for an Edge account, and £5 monthly for Edge Up and Private accounts.

Customers wanting to get the £175 bonus must use the Current Account Switch Service, and not have received a similar bonus from Santander in the past. They also need to deposit at least £1,500 and set up two direct debits within 60 days.

Eligible customers will receive the bonus payment within 90 days of beginning the switching process. 

Are current account switching bonuses back? 

The move comes after First Direct relaunched its £175 switching deal last week . Earlier this month Virgin Money also launched a switching deal offering 10 per cent interest for a year.

Alastair Douglas, chief executive of TotallyMoney said: 'Just two weeks ago it looked like competition for current accounts was waning, but since then, we've seen Virgin Money, First Direct, and now Santander return to the market, offering either cash or high savings rates.

'At a glance, the Sandander offer looks like great value, with a £175 bonus.

'However, all three options carry fees of between £36 and £60 per year, and are only available to customers who've never benefited from a similar Santander incentive.

'In reality, the switching bonus on offer is either £139 or £115 — which along with free-fee foreign spending, cashback, and easy access savings rates of up to 7 per cent, still isn't a bad option.'

Unlike Santander's offering, First Direct's current account is free of fees, while Virgin Money's M Plus account, one of three options, is also fee-free.

How can you qualify for the bonus?

In order to get their hands on the switching bonus, customers will need to complete the switch within 60 days of first requesting it.

Once their new current account ahs been opened with Santander, they must pay in at least £1,500 within the same 60 day period after the switch request.

They must also set up two active direct debits that do not include ones that fund savings accounts with Santander, Cahoot or Cater Allen.

Whilst the offer is open to existing Santander customers, there are certain stipulations in place.

The bank said existing customers with an eligible current account can use the switch service to transfer their balances and direct debits from other bank providers to their Santander account, and still receive the bonus.

However, existing customers can only take advantage of the offer at a branch of the bank, whereas new customers can carry out the process online.

These customers are also only eligible if they haven't previously benefited from a Santander switch bonus.

Andrea Melville, director of current accounts, savings and business banking at Santander, said: 'Following a fantastic response to our switcher incentive earlier this year, we are pleased to be able to offer yet another reason to join the bank.

'Our switching offer gives customers an added boost, while our Edge current accounts provide customers with long-term ongoing value, through cashback on their essential spending and household bills.'

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The breach affected the Spanish bank's operations in Spain, Chile and Uruguay. “We recently became aware of an unauthorized access to a Santander database hosted by a third-party provider,” the Spanish lender states. “Certain information relating to customers of Santander Chile, Spain and Uruguay, as well as all current and some former Santander employees of the group had been accessed.” The bank says that no transactional information, access credentials or internet banking passwords were lifted and that the incident has now been contained. In a statement, the bank says: "We apologise for the concern this will understandably cause and are proactively contacting affected customers and employees directly. We have also notified regulators and law enforcement and will continue to work closely with them."

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Money blog: Tourist taxes being imposed across Europe (and in UK) - here's how much they all are

An increasing number of cities are either imposing or increasing the cost of tourist taxes on visitors. Read this and our other Weekend Money content below, and let us know your thoughts. We'll be back with live updates on Monday.

Saturday 18 May 2024 17:03, UK

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• Tourist taxes to watch out for in popular holiday destinations
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Ask a question or make a comment

As we've been reporting in the Money blog over the last few months, an increasing number of cities are either imposing or increasing the cost of tourist taxes on visitors. 

Many say they are preventing damages from overtourism, as well as funding local infrastructure and businesses. 

Here are the latest tourist fees for the most popular spots in Europe...

Tourists visiting Venice for the day will have to pay a €5 entry fee to enter the city between the hours of 8.30am and 4pm.

Meanwhile, those staying overnight in Venice are charged a fee between €1 to €5 within the accommodation price for the first five consecutive nights.

People visiting the Spanish city now have to pay €3.25 if they're staying in official accommodation, up from €2.75.

Manchester 

Visitors must pay £1 per room, per night across 73 hotels. 

The scheme, which has raised more than £2m within a year, is for improvements to attract more tourists.

Tourists must pay €2 per person for every night they stay, although this is only applied for a maximum of seven nights.

The Greek government has introduced a Climate Crisis Resilience Fee to charge tourists anywhere from €0.50 to €10 per room, per night.

The amount depends on the hotel category and the time of year.

Visitors to the Croatian city must pay €2.65 per person, per night throughout April to September. 

However, the fee has been temporarily reduced to €1.86 for the rest of this year.

Different amounts are charged depending on the type of accommodation.

The most expensive charge is €14.95 for a stay in palaces, and €0.65 at one or two-star campsites, per person, per night. 

Those staying in a typical four-star hotel are charged around €8.

Those staying in the Hungarian capital are charged an additional 4% each night, which is calculated based on the price of the room.

Tourists in Berlin must pay 5% of the room price, excluding VAT and service fees.

The tourist tax here has increased from €0.82 to €1.97 per day. 

Prices researched by travel insurance site Quotezone.co.uk

By Ollie Cooper , Money team

Estate agent fees are one of the big expenses in selling a house - but rule changes and the rise of private sale websites have made it more common for people to go it alone.

But how easy is it - and what do you need to know? We spoke to industry experts to find out.

Firstly, what do estate agents do for their money?

An estate agent will typically charge in the range of 1%-3.5% of the sale price. 

That means for the average house price (£284,691 from December) you could pay anywhere from £2,846 to £9,964 in commission fees.

"When you use an estate agent, their fee includes taking professional photographs, advertising your home, conducting property viewings, and negotiating a price on your behalf," says Jack Smithson  from the home ownership site  Better.co.uk .

In addition, an estate agent will compile comprehensive details of your house, including room sizes and descriptions of fixtures and fittings. 

"They will also provide a concise write-up about the local area, highlighting amenities, schools, and transportation links," Jack adds. 

And they'll conduct checks on buyers for you (more on this later).

It sounds like a lot, but...

"Selling your home yourself can be a manageable process with a few key steps," Jack says.

Preparation 

You should begin by thoroughly researching house prices in your area, using websites like Rightmove and Zoopla - but seek free valuations from local estate agents to ensure you have a realistic asking price in mind.

Next, you want to take high-quality photos of your house.

Jack advises using tutorials on YouTube to learn new shooting and editing techniques that can take you to the next level.

You then want to write down what makes your home unique.

"While browsing other listings for inspiration, take it a step further by emphasising what you love about living in your home and the surrounding area," Jack suggests.

"Whether it's the refreshing scent of the coastline or the tranquil sounds of village life, incorporating these details can help potential buyers visualise living there," he advises. 

Like using YouTube for photography tips, you can use free tools such as ChatGPT and Grammarly if you need help with your writing, Jack says. 

Advertising

This is probably the biggest perk of going through an established estate agent - your home is much more likely to be viewed because they will have an established audience and a market. But it's very possible to do it alone. 

"When it comes to advertising your home, explore a variety of avenues including local newspapers and social media," Jack says.

"Consider using websites like Strike, which allow individuals to list their properties for free on platforms like Rightmove," he suggests.

Viewings 

Once you've secured some viewings, you've got the opportunity to make it a bit more personal than estate agents ever could - a real advantage. 

"Explain the reasons behind your decision to purchase the property, highlight its unique features, and share the aspects of your neighbourhood that make it a desirable place to live," Jack says. 

The small things matter when showing people round - so try to take an objective look around before you bring anyone in.

Do the things you'd do normally - make sure it smells nice and it's clean and tidy.

"Lastly, it's worth knowing that you must legally provide potential buyers with a free Energy Performance Certificate (EPC)."

The sale itself

Perhaps the most daunting aspect is the physical exchange of contracts and money. 

An estate agent would typically oversee the process of the initial offer acceptance to the transfer of keys to the new owner.

However, if you go it alone, you'll need to become the central point of contact - bridging the gap between your solicitor or conveyancer and the buyer and their legal representative.

"Once you've accepted an offer on your property, your first task is to draft what's called a memorandum of sale," Jack says.  

This document is a written confirmation of your acceptance of the offer and details the agreed price along with any specific conditions you've both agreed to.

"It's then recommended to engage the services of a solicitor or conveyancer to ensure all legal obligations are met," Jack says (of course, you'll need to do this even if you have an estate agent).

The cost of hiring one typically ranges from a few hundred to over £1,000, depending on factors such as fixed fees, hourly rates, the complexity of the sale and additional costs like property searches or land registry fees.

"In the absence of an estate agent, you'll be responsible for keeping your buyer informed about the progress of the sale. This involves regular updates on the status of legal procedures and any relevant developments," Jack says, before adding that this can actually be a good thing.

"By taking on these responsibilities independently, you'll have greater control over the sale process. However, it will require you to be exceptionally organised, and you'll need to be very good at communicating too."  

Any risks to be aware of?

Rita Patel, legal director at law firm  Browne Jacobson , tells us the biggest risk for people selling their properties without an estate agent is the lack of a vetting and verification process of the potential buyer.

Estate agents will verify the buyer's identity and check the buyer's proof and source of funds - without this, there's no way to assess the buyer is legitimate and can afford to buy.

"Whilst this process is something lawyers can help with, this is often at an additional cost, and you'll need to start from square one if there is an issue with a potential buyer's identification and/or financial eligibility," Rita says. 

More generally, selling without an agent can extend the time it takes to sell. 

"Zoopla suggests this timeframe is normally around 17-34 weeks, but with no one on hand to consistently promote and drive the property sale at all stages, going solo drags this process out," Rita says. 

"Agents can also help mediate any potential breakdowns in communication between the buyer and seller - reducing the likelihood of having to go back to market and start again."

The advantages

Laura Owen-Brown, a PR manager from Gloucestershire, tells us she is set to sell her house without an estate agent in the near future.

"My disappointment with estate agents stems from their lack of familiarity with the properties they attempted to sell me when I was buying my current house," she says. 

"They couldn't tell me about the details that truly matter, like the optimal times for sunlight in the garden, how much council tax I'd pay, what the roof was made of, the places I could walk my dog off lead or the impact of post-football match traffic on Sundays.

"These types of details can shape the experience of living in a house for years and are just as important as the square footage, EPC rating or how many bedrooms a property has," she adds. 

She says the current "transactional" approach to selling houses feels "impersonal and outdated" to her. 

"Yes, I'll have to handle more admin, but the savings in both money and time will make it worthwhile. Liaising with buyers and solicitors directly without a third party slowing everything down will mean I can be in control and have transparency throughout the process, especially during negotiations," she says.

All in all...

As Laura says, it's very much a case of whether you can stomach the admin and are happy to take the risks on background financial checks. 

If you are aware of all the above and willing to take on the organisational burden, you could save yourself a serious chunk of cash. 

The main topics from the Money blog that got you commenting this week were...

Government-funded childcare

• Michel Roux Jr's comments about the future of the restaurant industry 

Nearly 600 new skyscrapers for London

From last Sunday, eligible working parents of children from nine-months-old in England have been able to register for access to up to 15 free hours of government-funded childcare per week.

Those hours can be claimed from September. 

Some readers pointed out the T&Cs... 

This 15 hrs a week is for term time ONLY. So full-time working parents will have to either tell their employer they can't work in school holidays or pro-rata it across the year which is 10 hours a week. Yvonne grandma

Others said it spoke to issues in the wider childcare sector...

Is the government going to give pay rises to nursery staff? They are very low paid staff, and can't get enough staff as it is!! Nurseries may have to close if they don't get staff, so parents won't be able to take up the offer!! What is the government going to do about it? Carol

Chefs or delivery drivers?

Celebrity chef Michel Roux Jr has suggested that restaurants may only open three days per week because young people prefer other jobs - like delivering parcels. 

"Just because I worked 80 hours a week or more doesn't mean the next generation should," he said. 

"Quite the contrary. That is something that we have to address in our industry."

Readers said...

That's because one [job] is on the verge of slave labour and one definitely is slave labour. And the latter I'm referring to is working in a kitchen for a chef.  Realist2024

Spent 35 years working as a chef. Young people nowadays are not willing to do the extra hours (usually unpaid) and work every weekend. Godsends like my generation of chefs did and do.  Bucks

There's been considerable backlash in our comments section after a thinktank said a total of 583 skyscrapers are "queuing up in the pipeline" to be built across central London.

That is more than double the 270 built in the past decade...

"600 new skyscrapers on way for London" while the majority are struggling. When will something serious be done about growing wealth inequality in the UK? A growing economy is useless while the gap between the ultra rich and everyone else increases. Qwerty1

How many unnecessary skyscrapers for London? It's fine, as long as they are not made using steel, glass, concrete or bricks - don't people know there's a climate emergency? Shanghaiwan

Who's paying for it? What about the North? treelectrical

The energy price cap is set to fall by about 7% in July, a respected energy markets researcher has said.

Ahead of next Friday's announcement by Ofgem for the July-September period, Cornwall Insights said: "For a typical dual fuel household, we predict the July price cap to be £1,574 per annum" - a drop from £1,690.

Looking further ahead, it forecasted the cap will rise again slightly in October, before falling in January next year. 

"A predicted 7% drop in energy prices in July is clearly good news, with the price cap looking likely to hit its lowest level in over two years," a spokesperson for Uswitch said. 

Around 100 more prosecutions of sub-postmasters unrelated to the Horizon scandal could be "tainted" , a Sky News investigation has found, as officials worked with now discredited Post Office investigators to secure convictions.

The prosecutions of Post Office staff were led by the Department for Work and Pensions (DWP) between 2001 and 2006.

It is understood these usually involved the cashing in of stolen order books.

The Post Office itself wrongly prosecuted hundreds of sub-postmasters between 1999 and 2015 - based on evidence from the faulty Horizon accounting system.

Read more from our business correspondent Adele Robinson  by clicking  here ...

The UK's mega rich are dwindling in a sign Britain's "billionaire boom has come to an end" , according to the latest Sunday Times Rich List.

The list reveals the largest fall in billionaires in the guide's history - from a peak of 177 in 2022 to 165 this year.

While the combined wealth of the list's 350 wealthiest individuals amounts to more than £795bn - larger than the GDP of Poland - the guide's compiler says time will tell what impact a drop in billionaires could have.

"This year's Sunday Times Rich List suggests Britain's billionaire boom has come to an end," Robert Watts said.

Read on here ...

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Emily Mee, Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The Body Shop’s administrators are to launch an auction of the chain after concluding that an alternative restructuring of one of Britain’s best-known high street retailers was not viable.

Sky News has learnt that FRP Advisory, which has been overseeing the collapsed business since January, is to begin formally sounding out potential buyers in the coming weeks.

The move raises the prospect of new owners taking control of The Body Shop, which was founded nearly half a century ago.

Read more here ...

The UK's mega rich are dwindling - in a sign Britain's "billionaire boom has come to an end", according to the latest Sunday Times Rich List.

Published today, the list reveals the largest fall in billionaires in the guide's history - from a peak of 177 in 2022 to 165 this year.

"Many of our home-grown entrepreneurs have seen their fortunes fall and some of the global super rich who came here are moving away."

Top of the list is British-Indian businessman Gopi Hinduja and his family, whose wealth of £37.2bn is the largest fortune in the ranking's history.

But other familiar names in the list saw their riches fall, with Sir Richard Branson's total dropping by £2.4bn, which is back to his 2000 level.

Last year's top climber Sir Jim Ratcliffe, who bought a stake in Manchester United this year, fell two positions with a decline of £6.1bn.

Euan Blair, Tony Blair's eldest son, made the list for the first time, as did Sir Lewis Hamilton.

It comes as the UK continues to deal with a cost-of-living crisis, with new figures this week revealing a record 3.1 million food bank parcels were distributed over the course of a year.

The top 10:

• Gopi Hinduja - £37.2bn
• Sir Leonard Blavtanik - £29.2bn
• David and Simon Reuben and family - £24.9bn
• Sir Jim Ratcliffe - £23.5bn
• Sir James Dyson and family - £20.8bn
• Barnaby and Merlin Swire and family - £17.2bn
• Idan Ofer - £14.9bn
• Lakshmi Mittal and family - £14.9bn
• Guy, George, Alannah and Galen Weston and family - £14.4bn
• John Fredriksen and family - £12.8bn

A group of social media influencers have been charged in relation to promoting an unauthorised investment scheme.

The Only Way Is Essex (TOWIE) original cast member Lauren Goodger, 37, former Love Island star Biggs Chris, 32, and Celebrity Big Brother winner Scott Timlin, 36, also known as Scotty T, are among seven TV personalities alleged to have been paid to promote the scheme to their combined 4.5 million Instagram followers.

The others charged by the Financial Conduct Authority (FCA) include former Love Islanders Rebecca Gormley, 26, Jamie Clayton, 32, and Eva Zapico, 25 and TOWIE member Yazmin Oukhellou, 30.

The UK's financial watchdog brought the charges in a crackdown on "finfluencers" who use their online platforms to offer advice and information on various financial topics.

It alleges that between 19 May 2018 and 13 April 2021 Emmanuel Nwanze, 30, and Holly Thompson, 33, used an Instagram account to provide advice on buying and selling investments known as contracts for difference (CFDs) when they were not authorised to do so.

The watchdog said CFDs were high-risk investments used to bet on the price of an asset, in this case the price of foreign currencies.

It previously warned that 80% of customers lost money when investing in CDFs.

Mr Nwanze has been charged with running the scheme. He faces one count of breaching the general prohibition of the Financial Services and Markets Act 2000, and one count of unauthorised communications of financial promotions.

Ms Thompson, Mr Chris, Mr Clayton, Ms Goodger, Ms Gormley, Ms Oukhellou, Mr Timlin and Ms Zapico each face one count of unauthorised communications of financial promotions.

All nine will appear at Westminster Magistrates Court on 13 June.

The FCA asked anyone who believed they had sustained a loss due to the scheme to contact its consumer contact centre.

A hotel part-owned by Gary Neville and other ex-Manchester United legends has been named one of the best places to work in hospitality. 

Each year, The Caterer releases its top 30 best places for employees in the sector, with the top six featuring some familiar names.

The list is compiled via anonymous employee survey - with no input from managers or owners. 

Hotel Football, the only hotel with a rooftop five-a-side pitch, was among the top six venues selected by employees across the UK. 

The hotel's benefits package was particularly well-praised by those who work there - given that it "prioritises the financial wellbeing of employees during the cost of living challenge".

Management at the hotel, which is situated next to Manchester United's Old Trafford stadium, was also praised for enhanced maternity, paternity, parental and adoption leave policies and a strong belief in diversity and inclusion. 

The other five to make up the top six are The Biltmore in Mayfair, Cycas Hospitality (which has 18 locations across the UK), Dalata (which boasts some 1,000 employees), Gleneagles Hotel in Edinburgh and Nobu Hotel in Shoreditch, London. 

The energy price cap is set to fall by about 7% in July, a leading thinktank has said. 

Cornwall Insights said: "For a typical dual fuel household, we predict the July price cap to be £1,574 per annum" - a drop from £1,690.

Looking further ahead, it forecasted the cap to rise again slightly in October, before falling again in January next year. 

Reacting to the news, Uswitch said the predicted drop was "clearly good news". 

"The future still remains uncertain, and with the price cap changing every three months – currently expected to rise in October before falling slightly in January –  it's crucial not to be complacent," Richard Neudegg, director of regulation, said. 

However, "a predicted 7% drop in energy prices in July is clearly good news, with the price cap looking likely to hit its lowest level in over two years", he said. 

He also urged  households who want to lock in rates for price certainty to run a comparison to see what energy tariffs are available to them.

"There are many 12-month fixed tariffs available at rates cheaper than the current price cap, and even some that are 2% below these new predicted July rates," he said. 

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