换银行能赚数千英镑？| 政府是否会撤回学生贷款计划2的涨价方案

所以你真正的问题是，为了这1.7%的收益，我管这叫利差，就是最高储蓄利率和你学生贷款利率之间的差额。

So your real question is for the 1.7% gain, and that's what I call it, it's the difference between the top savings and the current interest of the student loan.

为了这点收益，把钱锁死，以后再也拿不回来，值得吗？

Is it worth locking that money away so that you can never get it back?

这个决定只能你自己来做。

Only you can decide that.

我不是想表达什么立场。

I'm not trying to make a point.

我不是在说不可以。

I'm not trying to say no.

我只是想说，这最终是你自己的选择。

I'm saying that's the decision that you're making.

如果你希望保留这笔钱的灵活性，比如将来遇到更高利率的借贷时能用上，或者万一需要增加房贷首付来降低月供、争取更低的房贷利率，那我觉得，为了保持这笔钱的流动性，哪怕放弃这1.7%的收益，也比把它锁在学生贷款里更划算。

And if you want the flexibility of keeping that money, so that you can reduce future borrowing that might be more expensive elsewhere, or you could keep that money in case you needed a bigger mortgage deposit to reduce the amount that you would pay on your mortgage and bring your mortgage rate down, then I think the 1.7% may be worth paying to keep that money liquid for yourself rather than locking it into a student loan.

希望我没说得太绕，但最终的决定权在你手里，安妮，只有你能做这个决定。

I hope that wasn't too convoluted, but that's the decision you need to make and only you can make that Annie.

祝你一切顺利。

Wish you the best.

接下来我们进入本周的主题，虽然我刚才聊学生贷款已经说了挺久的。

Now moving on to our big topic of the week, although I've come very long on student loans.

所以这周可能要分两个重点来讲，大家想想看哪个更相关。

So it might be a split major this week, think between the two of them.

今天没有大师班，因为阿德里安没来。

We don't have a mastermind because Adrian's not here.

所以我刚才用掉了原本留给大师班的时间来讨论学生财务问题。

So I will have used my mastermind time on student finance.

这样安排还挺合适的。

It seems somewhat fitting.

西蒙，我知道你们问了大量关于银行和账户的问题。

Simon, I know we've had just scores of questions on banks and bank accounts.

那就让问题来带路吧。

I'm going to let the questions lead.

我会尽量让回答简短有力。

I'm going to try and keep my answers short and sharp.

咱们直接进入正题吧。

Let's get straight to it.

要不咱们先说说这个成功的案例，让大家看看这有多有效？

Well, why don't we start with the success just to show how powerful this can be?

杰森联系了我们。

Jason got in touch.

他今年早些时候就是按照你的建议操作的。

He did it earlier this year based around your advice.

过程特别简单，他转到了国民威斯敏斯特银行，开户就给了175英镑，外加2100英镑的忠诚回馈。

Super easy, moved to Nationwide, who gave us £175 for move in, plus £2,100 Nationwide fair share amounts.

这是他们给老客户的忠诚奖励。

That's its loyalty reward for existing customers.

对。

Yep.

所以，总共375英镑的入账奖励，实际上让我们免费获得了全球旅行保险，还有更多其他福利，都是通过他们的综合账户提供的。

So a total for move in of £375 effectively gave us free worldwide travel insurance plus much more via their packaged accounts.

我们稍后会详细讲综合账户的事，不过没错，这就是一个例子。

Oh, we'll be talking more about packaged accounts later, but, yeah, that's an example.

有些人通过多次换银行，已经赚了几千英镑。

And and some people have gained thousands of pounds from this from multiple switching.

那么，咱们现在说到哪儿了？

Anyway, where are going?

那咱们直接切入正题吧。

Well, let's get into the question.

不如先从最基础的说起。

Might as well start with the basics.

卡尔，对吧。

Carl, right.

我今年56岁，从来没换过银行账户，算是个老派人物了。

I'm a 56 year old, never switched bank accounts, so I'm an oldie.

在这档播客里，我们不把五十多岁的人叫‘老人’。

People in their fifties, we don't refer to as oldies on this podcast.

这可是明令禁止的。

Well, it's absolutely banned.

如果你这么说了，西蒙，就算隔着屏幕，也会有人在桌下踢你一脚。

And if you do that, Simon, then there'll be a virtual kick under the desk even though the Hey.

刚才那话是冲着卡尔说的。

That was on Carl.

刚才那话是冲着卡尔说的。

That was on Carl.

对。

Yeah.

他想知道，你发工资后，账上要扣掉各种账单，再加上你有信用卡，所有银行账户都在他们那儿，这些该怎么处理？

He wants to know what happened with your wages going into the bank with all the bills that you have to pay out, and I have a credit card and all my bank accounts with them, what happens to these?

好的，明白。

Okey dokey.

换银行账户的时候，你会用到现在的账户切换服务。

When you switch bank account, you will use the current account switch service.

这叫七天切换服务。

It's called seven day switching.

名字有点不太准，其实是七个银行工作日。

Slight mis nomer, it's seven working days.

我一般把它当成十天的流程来看。

I tend to think of it as ten day switching.

你转出的那家银行账户会自动关闭。

The bank account you're switching from will be automatically closed.

钱会自动转到新账户里。

The money will be moved across automatically.

你的自动扣款设置也会自动迁移过去。

Your direct debits will be moved across automatically.

你的定期转账指令也会自动转到新账户。

Your standing orders will be moved across automatically.

任何打到旧账户的钱都会自动转到新账户。

Any money paid to that old bank account will be automatically forwarded to the new one.

不过我还是建议你慢慢来，慢慢告诉别人把钱付到你的新账户，把新账户信息发给他们，别指望自动转发能一直管用。一年到两年内，你完全有时间通知所有人，但也不用着急。

Otherwise, I would still suggest gradually over time, you tell people to pay your new bank account, you give it the new bank account details, you don't rely on that going on, you know, in perpetuity, within a year or two, you should easily have been able to tell everybody, but you don't need to hurry about doing that.

唯一不会自动转移的是所谓的定期付款，也就是那些你用借记卡卡号订阅的服务，信用卡也可以用，比如Netflix、Amazon Prime这类平台。

The only thing that is not switched for you is what's technically called recurring payments, which are subscriptions where you gave the long number on your debit card, you can also do them on a credit card, typically used on, you know, Netflix's and Amazon Prime's.

如果你忘了更新，他们就会发消息说你的支付卡失效了，请提供一张新卡，到时候你只需把信息换成新卡就行。

But all that will happen in that case is you would get if you forgot to tell them is you get a message saying your payment card is no longer working, please give us a new payment card, and then you could just switch it to your new card.

这其实根本不是什么大问题。

So that isn't really a big problem.

至于信用卡，我只想得到一两张是和银行账户绑定的。

As in terms to your credit card, well, I can think of only one or two credit cards which are linked to the bank account.

绝大多数信用卡都是独立产品，你可以在一家银行办信用卡，却在另一家银行开账户。

Virtually every credit card is a separate product, you can have a credit card at one bank and your bank account at another bank.

所以这完全不会影响到你的信用卡。

So it should not affect that in any way.

正如你所说，你所有的银行账户都开在这家银行，现在你只是换其中一个，而且通常是换主账户。

As you said, you had all your bank accounts with them, where you would only be switching one bank account, and you're generally switching your main bank account.

所以一切应该都会很顺利。

So it should all work.

听我说，我经常被问到这个问题。

Listen, I do questions on this.

我上次提到的数据，可能有点小误差，大约86%换过账户的人都说过程很简单，一点不麻烦。

I think the last stat I gave, maybe a few percent out, was 86% of people who switched bank accounts said it was easy and hassle free.

剩下的人里，大多数觉得还行，真正遇到问题的极少。

And most of the rest said it was okay, and very few have problems.

我不是说绝对没人会出问题，但总的来说，这事儿真的特别省心。

I mean, I'm not saying there won't be a problem for someone, but this really is, you know, lemon squeezy.

是的。

Yeah.

咱们别纠结那个百分比了。

And let's not worry about percent.

百分之七十四的统计数据都是临时编的，对吧？

74% of statistics are made up on the spot, aren't they?

你说得一点没错。

That's absolutely correct.

我印象里肯定是八十几 percent。

Mine is it's definitely in the eighties.

我脑子里还闪过另一个数字，因为我换过好几次，到底是八十三还是八十六来着。

One more was going on in my head, because I've done it a few times, whether eighty three percent or eighty six percent.

不管怎样，超过五分之四的人都没问题。

Either way, it's more than four in five people.

西蒙妮想知道，如果我只有基础账户，能换吗？

Simone wants to know, can I switch if I only have a basic bank account?

这要看你现在的银行，但一般来说是可以的。

Depends on the bank you're with, but generally yes.

如果你的银行加入了现行账户转换服务——而大多数大银行都加入了，实际上几乎全部大银行都参与了——那你的基础账户也能换。

If your bank is a member of the current account switching service, which most of the big names are, in fact, almost all of the big names are, then yes, you should be able to switch a basic bank account.

克里斯问：新账户还没到的时候，是继续用旧的，还是两个一起留着？

Chris asks, use your old one until the new one arrives or keep both?

换了银行账户，不一定非得马上做决定吧？

No need to decide just because you switch bank accounts?

是这么个问题。

Question mark.

说到换账户发工资，除了那种收费的套餐账户——因为你付了年费，有些情况下银行可能不要求你关闭旧账户——但一般来说，换账户就意味着旧账户得关掉。

Well, when we're talking about switching to get paid, with the exception of packaged bank accounts cause you're paying a fee for them, so they may not mandate it in some cases, you have to be switching an account, so your old account has to be closed.

唯一不会自动关闭旧账户的情况，是你有透支没还清，这时候银行可能会让你继续保留着。

The only circumstances they won't close your old account is if you've got an overdraft that you're not repaying when you close it, and they may keep it open.

但通常来说，换账户的过程中，旧账户是会由银行帮你关闭的。

But generally, part of the process is your old account is closed for you.

贝基有个问题。

And Becky has a question.

我昨天整理问题的时候，发现好多都是围绕这一点的。

When I was going through the questions yesterday, so many were based around this.

她说，这会影响信用评分吗？

She says, doesn't it affect your credit score?

我从来不开新账户，总有人夸我明智。

I always get a pat on the head for not opening any

这么说吧，这可不会让你整天蹲在牛群里发呆。

Well, new that's just stop you sitting in cow fields.

难道不算吗？

Does it not count

如果你

if you

频繁地开销户，而不是一直保留很多账户，会有什么影响？

are opening and closing accounts rather than just having loads of accounts open?

直说吧，换银行账户可能会对你的信用评级造成短期的轻微影响。

Let's be plain, switching bank account can have a short term minor effect on your credit worthiness.

如果你去查信用机构的信用评分，就能看到这一点。

You would see it if you go to a credit reference agency's credit score.

记住啊，这些数字可不是铁律，只是征信机构对贷款机构怎么看你的一个大致参考。

Remember, those are not, you know, they're not gospel, they're just that credit reference agency's loose indication of how typical lender looks at you.

短期内确实会有影响，因为大多数贷款机构都喜欢看到稳定的记录，这种不确定性可能会让人犹豫，但真没那么严重。

It will have a short term impact because most lenders like evidence of longevity and that uncertainty can be an issue, but it's not a big deal.

影响不会持续太久。

It does not last long.

如果我马上要申请房贷，我肯定不会在前三到六个月换主账户。

I would not be switching my main bank account in the three to six months before I had a mortgage application coming.

如果我要做大额余额转账，比如大笔债务转移，或者申请重要贷款，我大概也不会在前三个月换主账户。

I probably wouldn't be switching my main bank account in the three months before I was making a balance transfer for a large amount of money, in other words, a big debt shift or making an important loan application.

其他时候，我根本不会在意。

Otherwise, I wouldn't be bothered.

该换就换，钱到账就行，六个月后，只要你没出大问题，比如拖欠其他债务，基本就没什么影响了。

I would just go and do it and get the money paid in, Because after six months, unless you've got major problems and you're, you know, defaulting on other debts or missing other debt repayments, it shouldn't really be an issue.

所以它确实会影响你的信用状况，但通常只是一时的。

So it does affect your creditworthiness, but generally only for the short term.

所以只要你不是在申请重要事项前才动手，一般都没问题。

So as long as you're not timing it before a very important application, it shouldn't be a problem.

太好了。

Perfect.

那我们现在来具体看看有哪些优惠方案吧。

So let's get into the specific deals now.

萨姆想知道，目前哪些银行的换户优惠最划算。

Sam wants to know who has the best deals currently for switching.

我快速过一遍，因为现在优惠实在太多了。

I'm going to run through this really quickly because there are so many offers.

我不会把每个细节都抠得特别细。

I'm not going to dot my I's and cross my T's.

我不会一一说明申请条件。

I'm not going to go through eligibility criteria.

我只提一下这个费用。

I will only mention this as a fee.

网上有不少不错的网站，列出了所有这些优惠，你可以去看看具体细节。

There are some great websites out there that list all of these that you should go and look on for the details.

不过目前市面上常见的免年费账户里，能让你开户就拿现金奖励的，可能得放点背景音乐，西蒙。

But of the standard fee free accounts available out there that you can switch to that will pay you to switch right now, maybe put a music bed underneath all this, Simon.

汇丰银行的账户现在能给你220英镑。

You've got £220 from HSBC bank account.

这种高奖励挺少见的，所以特别值得关注，毕竟我们希望那些之前换过银行的人还能继续拿到这些奖励。

That's relatively rare, so it's quite interesting that it's doing that because we want lots of these different accounts available for the people who've switched before to be able to get the bonuses.

它的姊妹银行第一直接银行的首户计划，现在能给200英镑，但截止日期是7月15号。

You've got its sister bank, First Direct's first account that is giving you a free £200 that ends on the July 15.

之后就降到175英镑了。

It drops down to just a £175 then.

所以如果你打算办这个，最好赶紧下手。

So if you're gonna do this one, you wanna do it relatively quickly.

它还提供最高250英镑的零利率透支额度。

It also gives you a 0% overdraft up to £250.

它还提供一张非常适合海外消费的借记卡，以及年利率7%的定期储蓄账户。

It has a top debit card for spending overseas and has a 7% regular savings account.

不过，大多数人选择First Direct，主要是因为它的客户服务评分最高。

The thing most people go to First Direct for, though, is it is the top rated bank for customer service.

在我最近的调查中，有92%的人给了它‘非常好’的评价，而且现在开户还送你200英镑。

In my last poll, 92% rated great, and it's giving you £200 to switch to it.

目前巴克莱银行也在提供200英镑的开户奖励，还可以选择半价购买Apple TV。

You've got Barclays at the moment that's giving people a free £200, an optional half price Apple TV.

NatWest的奖励账户也送200英镑，另外每年还有可能获得36英镑的现金返还。

You've got NatWest reward that's giving a free £200 plus possible £36 a year cashback.

不过要满足这个条件，你得保证一定金额的入账，还要使用它的手机App，但操作并不复杂。

And for that, you have to have a certain amount of money going in and you have to use its mobile app, but it's not that complicated.

还有桑坦德银行的Edge账户。

You have Santander Edge.

这是我列出的唯一一个会收取年费的账户。

This is the only one of those I'm listing that charges you a fee.

每月3英镑。

It's £3 a month.

开户送你180英镑。

It's giving you a £180 to come to it.

这个优惠力度很大。

It's big boost.

这是我最推荐用来交账单的，只要通过自动扣款支付账单，每月最高可返1%现金，上限10英镑。

It's my top pick for bills because if you pay your bills from it by direct debit, you get cash back of 1% up to £10 a month from that.

对于一般账单支出的人来说，这笔返现通常都超过每月3英镑的手续费。

And the cash back you earn from that normally outweighs the £3 a month fee that you have to pay for someone with typical bills.

它还提供6%的活期储蓄账户，但仅限前4000英镑。

It also gives you a 6% easy access savings account, but only on up to £4,000.

还有合作银行的账户，一次性奖励325英镑，外加连续三个月每月25英镑。

You've then got the co op bank account, which is a £325 plus £25 a month for three months.

只要你满足条件，总共就能拿到200英镑。

So if you do that right, that's £200 as long as you fulfill its criteria.

Nationwide Flex Direct 现在提供 175 英镑的开户奖励。

Nationwide Flex Direct is a £175 free.

苏格兰银行也提供 175 英镑的开户奖励。

Bank of Scotland is £175 free.

如果你收入较高，HSBC 尊尚理财账户能给你 500 英镑的无条件奖励。

And if you're a higher earner, HSBC Premier that gives £500 for free.

这是我见过最高的换户奖励，但前提是你的年收入要超过十万英镑。

That's the biggest switching bonus I've ever seen, but you've to be earning over £100,000 a year to get it.

它还提供免费的家庭旅行保险和数字医疗服务。

It also gives you access to free family travel insurance and digital, I.

E。

E.

24 小时在线虚拟医生服务。

Virtual online GP access 247.

如果你年收入超过十万英镑，这个账户不仅没有月费，还很值得考虑。

So if you earn over a $100, quite interesting as there's no fee on that bank account.

NatWest Premier Reward 为高收入人群提供250英镑的奖励，外加每月8英镑的现金返还。

NatWest Premier Reward is giving higher earners a free £250 and a decent £8 a month cash back.

要享受这个福利，你的年收入必须达到至少10万英镑。

To get that, you must also have a minimum £100,000 a year salary.

你看，现在有这么多银行愿意付钱让人换账户。

So you can see there are so many banks right now willing to pay people to switch.

你最好仔细看看每家银行的资格要求。

It's worth doing your reading about the eligibility criteria.

有些银行要求你每月入账达到最低额度。

Some require minimum pay ins.

大多数银行还要求你把至少两笔自动扣款转到新账户。

Most require you to have a couple of direct debits being switched across.

所有非高端账户都要求你使用他们的账户切换服务。

All of them require you to use their switching services, all of the non Premier accounts that is.

你得把旧账户关掉，但市面上的选择确实不少。

So you have to close your old bank account down, but there's a lot of choice out there.

说到选择，约翰，既然First Direct要关闭First Directory，你考虑转到Nationwide，那Nationwide是最佳选择吗？

Well, speaking of choice, John, considering switching from First Direct to Nationwide due to First Direct closing First Directory, is Nationwide the best choice?

你提到First Direct要关闭First Directory，其实那就是他们的付费银行账户服务。

As you're talking about First Direct closing its First Directory, that's effectively its packaged bank account.

我稍后会详细讲这个。

I'm gonna talk about those later.

我先把这个放一放，等我们讲到付费银行账户部分的时候再回来讨论，你觉得怎么样？

I'm gonna hold that in abeyance for now, and we'll come to that when we do the packaged bank account section later, if that's alright.

Paula问了，我在Santander有两个账户，都是每月收费的活期账户。

Paula wants to know, I have two accounts with Santander, both current accounts with monthly charges.

其中一个是我和我丈夫的联名账户。

One is a joint account with my husband.

我能一次性把两个账户都转过去吗？

Can I do a switch of both accounts as a one time process?

联名账户的转账流程会更复杂吗？

Is this more complex to switch a joint account?

谢谢。

Thank you.

这两个是独立的账户，不能一起办理转账。

They are separate bank accounts, you cannot do it as a joint process.

必须分别单独处理每个账户。

They would have to be done as a separate process each.

我来给你简单说明一下。

Let me just run you through.

有些银行会给联合账户的转账奖励，有些则不会。

Some banks will give you the switching bonus on joint bank accounts, some won't.

比如汇丰就不给，第一直接银行会给，巴克莱不给，苏格兰皇家银行给，桑坦德银行也给。

So HSBC won't, First Direct will, Barclays won't, NatWest will, Santander will.

大概就是这样，其他你可以自己去查一查。

Just to give you a flavor, you can check the rest out for yourself.

好了，西，咱们进展得很顺利。

Right, Si, we're doing very well.

我们正在一一处理。

We're getting through them.

你真是个超棒的帮手。

You know, super sub you are.

我们比跟阿德里安弄的时候快多了。

We're doing quicker than with Adrian.

我有太多问题了。

I've got so many questions.

继续往我这儿抛问题吧，老兄。

Keep ramping them up me, mate.

我正努力创下一小时问最多问题的个人纪录。

Trying to set my personal best for most questions asked in an hour.

维弗想知道，换完银行后，能轻松给新账户绑一张信用卡吗？

Viv wants to know, can you get a credit card attached to your new bank account post switch easily?

信用卡和银行账户基本上完全是两回事。

Credit cards and bank accounts are almost always completely separate.

一般来说，给你最好银行账户的那家机构，往往不会同时提供最好的信用卡。

And generally, you won't find the place offering you the best bank account will be the same place as offering you the best credit card.

首先，在绝大多数情况下，你的旧信用卡并不会被关闭。

So first of all, your old credit card won't have been closed down in almost all cases.

当然，如果你想申请新的信用卡，完全可以去申请。

And yes, you can go and apply for a new credit card if you want to apply for a new credit card.

但我不会建议你继续用同一家银行。

But I wouldn't stick with the same bank.

我会帮你找一张最符合你需求的信用卡，不管是用来干嘛的。

I'll go and make sure you get the best credit card for you for whatever it is you want to use it for.

你看我这回答多简短，西蒙。

Look at me doing short answers, Simon.

继续吧。

Keep going.

MBG，我猜是‘马丁的最大老顽童’的意思。

An MBG, which I assume stands for Martin's BiggestGeezer.

不错。

Nice.

我有一个帮助购房储蓄账户，还有

I have a Help to Buy ISA as Should

我全都这么回答吗？

I answer it all like this?

继续说，别停。

Go on, keep going.

好的。

All right.

我除了当前账户，还有一笔帮助购房储蓄账户和一个定期储蓄账户。

I have a Help to Buy ISA as well as a regular saver account with my current account.

我担心如果换银行，会失去我的定期储蓄和帮助购房储蓄账户。

My worry is I could lose my regular saver and Help to Buy ISA if I switch.

我能不能保留这两个储蓄账户？

Can I keep those savings accounts?

还是说我得确认一下，新银行是否提供帮助购房储蓄账户？

Or do I need to know if the switch to bank offer a Help to Buy ISA?

这个产品已经停售了，所以有点麻烦。

They are a dead product, so it's tricky.

好的，我来给你说清楚。

All right, let me give you the information.

我觉得……我没法帮你办这个。

I don't think- I can't do that.

你不是本地人吧？

You're not from around here, are you?

不，我觉得帮助购房储蓄账户本身不是问题。

No, I don't think it's an issue with the Help to Buy ISA.

帮助购房储蓄账户是独立的产品，通常不和银行账户绑定。

Help to Buy ISAs are standalone products not normally linked to bank accounts.

我没听说过哪家提供帮助购房储蓄账户的机构要求你必须有银行账户。

I'm not aware of any Help to Buy ISA providers that require you to have a bank account to do it.

我的意思是，最坏的情况，你也得去确认一下。

I mean, the worst case, you should always check.

但就算最糟，你也就是把钱转到新的机构去。

But in the worst case, all you would do is you would just transfer it to a new payer.

网上有指南，能帮你找到利息最高的Help to Buy ISA。

There's guides online to the best paying Help to Buy ISA.

即使Help to Buy ISA已经停售了，你还是可以转账。

You can transfer a Help to Buy ISA even though it's a dead product.

你只需要申请开一个新的Help to Buy ISA，在表格里填好转出信息，系统就会自动帮你把余额转过去。

So that's you apply to open a new Help to Buy ISA and on the application form, you fill in the transfer details and it will move the Help to Buy ISA across for you.

所以这个完全不是问题。

So that isn't an issue.

倒是那种定期储蓄账户，可能更麻烦一些。

The regular saver is probably more of an issue.

大多数利息高的定期储蓄账户，通常是让你连续存一年，每月存两三百英镑，利率最高能到8%，目前桑坦德银行的定期储蓄产品就是最好的，但这类账户一般都得绑定银行账户。

Most of the best paying regular savers accounts, that's where you can normally for say a year put in 200 or £300 a month and get a high rate of interest, up to 8% is the best paying with Santander Reg at the moment, they are normally linked to bank accounts.

我觉得你会失去原来的定期储蓄账户，但换到新银行后，大概还是能开一个新的定期储蓄账户。

So you would lose your regular saver would be my guess, but you would probably be able to open a new regular saver at the new bank that you move to.

说实话，定期储蓄账户的利息其实没多少，毕竟它们给的利率虽然看着高，8%、7%的，但本金太少了，还得每月慢慢存进去。

And frankly, the interest earned on regular savers, because the whole point of them, we give you 8% interest, we give you 7% interest, but only on a tiny amount, and you have to drip feed it in.

一年下来，就算你把上限存满，利息也就五六十美元、七十多美元，或者九十英镑左右。可你只要换一次银行，光是账户奖励就能赚得比这多得多。

So the interest you actually get on a regular saver over a year, you know, it's normally $50.60, $70.80, £90, even if you max it out, even at the high interest rate, you're going to be earning more just with the one switch of a bank account than you would in the regular saver.

所以，就算新银行的定期储蓄利率低一点，整体算下来，你还是大赚特赚。

So even if the new place that has a regular saver has a lower interest rate, overall, you're probably still going to be massively up.

你们这会儿可把各种口音都听全了，是吧？

We're getting the full range of your accents, aren't we?

伦敦东区口音。

East End

没错。

That's right.

为了全面覆盖。

To cover.

我们会在节目结束前处理阿德里安的那个案例，只是时间问题。

It's a matter of time before we do the Adrian one before the end of the program.

但在那之前，我想先聊聊多次换银行的事。

But before we get into that, I wanna do multiple switching.

好的。

Okay.

那我们先来分享一个成功的案例。

So we're gonna start with a success.

乔？

Joe?

成功案例我最爱听了。

Love a success.

我和我太太一共换了两个账户，每个账户都设了几笔自动扣款和定期转账，纯粹是为了拿换户奖励。

My wife and I had two switch accounts, which both had a few direct debits and standing orders that we purely use for switching.

我们好像已经用完了所有符合条件的银行，但加起来我们俩一共拿到了两千多英镑的奖励。

We seem to have ran out of banks we qualify for, but in total have claimed over £2,000 between us.

我真不明白，为什么有人不愿意这么做。

It baffles me why people wouldn't do it.

如果你对现在的银行有感情，那就再开一个账户，专门用来切换。

If you feel loyal to your bank, just set up another account and use that one to switch.

我有个劳埃德银行的账户，是1993年开的。

I've got my Lloyd's account, which I set up in 1993.

这正好说明了问题所在。

Well, I think that proves the point.

那些频繁换银行赚大钱的人，多半是夫妻俩一起操作。

So most of the serial switchers who make big money out of it, they tend to be couples and they do it together.

他们各自开一个账户，一起搞。

So, you know, they they both have separate accounts.

刚才我们提到，汇丰银行现在给220英镑。

Currently, we just talked about HSBC paying £220.

如果你现在把两个账户都转过去，就能赚440英镑。

So if you switch two accounts into that right now, that's £440 that you're earning.

然后你就一遍又一遍地做。

And then you do it again and again.

所以你能明白，为什么我说有人靠这个赚几千英镑了。

And you can see why I say people make 1000s of pounds from this.

而且乔并不是个例。

And Joe isn't alone.

对我来说，这简直就是邮件不断的事。

This is a constant mailbox thing for me.

我们金钱节约团队的很多人也一直在做这件事。

It's also something that many of the team in Money Saving Towers, they're doing it all the time.

他们就是想抓住机会，把奖金都拿下来。

And they're just trying to grab and get the bonuses up.

这里面是有技巧的。

There are techniques for doing that.

但我希望别这样，因为我猜你的一些问题可能会让我透露这些细节。

But I hope those because I suspect some of your questions might elicit those bits from me.

凯特很可能就是其中之一。

Well, Kate may well be one of them.

她问哪些银行最适合开额外的临时账户，

She asks which banks are best to open up extra dummy accounts with, I.

就是那些切换奖励不怎么好的银行？

Banks that don't have good switching bonuses?

没错。

Okay.

这就是我们说的临时账户、中转账户或者空壳账户。

So yeah, this is what we call the burner account or the mule account or the dummy account.

很多经常换银行的人这么做的原因是，每次都彻底搬动整个生活安排实在太麻烦了。

The idea is what many of the people who do regular switching do is because it's a hassle to actually move the whole way you organize your life again and again and again.

他们保留一个主账户，再另开一个账户专门用来完成换银行的条件以获取奖励。

They have one bank account and then they have another bank account that they're just using for switching and fulfilling the switching criteria.

通常这个账户里会设置几笔自动扣款。

So they normally have a couple of direct debits going out of it.

所以，正如凯特正确指出的，如果你打算频繁切换来操作这个临时账户，一开始就应该选一个平时不提供切换奖励的银行。

So as Kate is rightly asking, the account you want to start with if you're going to be multiple switching for your burner account should be one that doesn't normally offer a switching bonus.

因为你一旦用过这个账户，以后就再也拿不到切换奖励了。

Because the fact that you've had that account would prevent you getting a switching bonus in future.

所以别浪费掉你本可以拿的切换奖励。

So you don't want to use up one of your switching bonuses.

我建议从星银行或蒙佐这类容易开户的数字银行开始，它们都支持现行的账户切换服务。

I would suggest something like Starling or Monzo, one of the easy to open digital banks that are part of the current account switching service would be a good place to start this.

你开好之后，操作时要确保账户里有几笔定期扣款，而且余额足够支付这些费用。

So you open up one of those, you make sure when you're looking at the way that you do this, you'll make sure you have a couple of direct debits going out of it and enough money to make sure you can pay those.

每个月你只需要设置几笔小额自动扣款就行。

Now small direct debits you would have each month.

大多数银行只要每月有两笔至少两英镑的自动扣款，就能满足切换服务的要求。

In most places, two direct debits of at least £2 going out of it each month will qualify you in the switching service.

有时候需要三笔，所以你得提前确认清楚。

Occasionally, you need three, so you need to check that.

等你把那个账户设置好了，就可以用它来转到一家提供开户奖励的银行。

So then once you've got that set up, you then use that to switch to a new bank that's paying you a switching bonus.

要注意它们的资格要求，银行通常会说你得存入总共一千英镑。

Checking its eligibility terms, I mean, banks will say they need require you to have £1,000 total paid in.

所以你开好新账户后，只要满足条件，就把钱从你的临时账户转过去，再设置好两笔自动扣款。

So you add £1,000 once you open the bank account that fulfills the criteria, you've switched bank account from your burner account, you got a couple of direct debits going from it.

等一千英镑到账后，第二天你就可以把钱全提出来，完全不用留着。

Once £1,000 has been put in, you can then take it out the next day if you choose to.

没必要把钱一直放在那儿。

You don't have to keep it in there.

等你拿到开户奖励后，再把钱全部转走就行。

You wait until you get your switching bonus and then you move it all again.

这就是整个操作流程。

That's how you do it.

你就是在玩这种临时账户刷奖励的游戏。

You play the burner bonus game.

海伦想知道，开一个临时账户后，多久才适合转到另一个账户去拿转账奖励？

Helen wants to know, how long do you feel it is plight to have a mule account open before switching to another current account to get the switching bonuses.

说到银行，我觉得只要满足所有条件、钱一到账，几乎立刻就能转，大概零点一到零点四秒就够了。

Plight to a bank, I would say somewhere between zero point one and zero point four seconds after you have fulfilled all the criteria you need and got your money.

如果你就是想这么做，那你就照做吧。

If this is what you're trying to do, it's what you're trying to do.

多留一两周，其实没什么区别。

Leaving it open a week or two doesn't really make much difference.

唯一要注意的是，频繁换银行账户，肯定会对你的信用评分造成更大影响。

The only thing about speed, obviously going back to our credit scoring impact, multiple switching of bank accounts will have a bigger impact on your credit worthiness.

所以，如果你接下来一两年内打算申请贷款或信用卡，就别这时候干这事儿。

So you need to be doing this in a time where you're not going to be need to making any debt applications in the next year or two, I would say.

你得挑个没贷款需求的时候再操作。

That's when you should be doing this.

莉亚肯定是经常换银行的人。

Leah must be a serial switcher.

她想知道，我想换银行，但记不清之前换过哪家了。

She wants to know, I want to switch, but I can't remember who I've done it with before.

我该怎么查呢？

How can I check?

莱亚，得给你点提醒了。

Well, Leah, slight slap on the wrist.

这事儿适合那些擅长用表格、习惯做记录的人。

This is for people who are good with spreadsheets and keep records.

那些人才最容易搞明白。

Those are the people who do best at it.

不过你没这么做，既然我提醒了你，那我也顺手给你个建议：去申请一份你的信用报告，可以从三大征信机构之一获取——益博睿、艾可飞或环联，网上有很多免费渠道都能申请到。

But as you haven't, and as I've slapped your wrist, I will also give you a sweetie at the same time, go and get your credit file, your credit report that's available from one of the three credit reference agencies, Equifax, Experian, or TransUnion, and you can get them all for free via lots of different routes out there.

随便选一份拿过来，上面会列出你过去至少六年的所有银行账户，应该能帮你回忆起来。

And just go and get one of those, and that should list all the bank accounts you've had for at least six years, which might help you with it.

维姬，我换过好几次，但很多时候申请奖励都被拒了，因为我以前用过他们集团旗下的另一家银行。

Vicky, I've switched a number of times, but more often than not, I get rejected for the payoff as I've had an account with another bank in their chain in the past.

如果能知道哪些银行属于同一个集团，就能避免在集团内部换账户了。

It would be good to know what banks are part of the same group so you could avoid moving within that group.

哦，Vicky，要是真有那么简单就好了。

Oh, Vicky, I wish it was so easy.

哪有那么容易，每家银行对拿到奖励的条件都不一样。

It is not so easy, every bank has different terms of what counts in order to get the bonus.

我给你举个例子吧，现在有两家关联银行，你可能会觉得它们的标准应该一样。

Let me give you an example at the moment and I'm going to take two sister banks, so you would think that they would have the same criteria.

比如HSBC，目前的奖励政策是说，哪怕你以前换过HSBC或First Direct的账户，只要那次换账户是在2023年之前，而且你现在不是他们的客户了，就能再拿一次奖励。

For HSBC, with its current bonus, it says even if you have had switch cash from HSBC or First Direct before, as long as that switch cash was before 2023, and you are no longer a customer, you can get it switch cash now.

但如果是First Direct，同一集团的另一家，想拿他们的奖励，你就得是完全的新客户，而且从2018年1月起，不能有过First Direct的任何产品，也不能开过HSBC的活期账户。

But if we take a First Direct same group, to get the switch cash from it, you must be a totally new customer and can't have had any First Direct product or opened an HSBC current account since January 2018.

所以，知道哪些账户和HSBC、First Direct有关联，NatWest和RBS是一组的，Lloyds、Halifax，虽然Halifax这个品牌快没了，还有苏格兰银行，也都是一体的，这些信息确实有用。

So yes, knowing which accounts are linked to HSBC and First Direct, NatWest and RBS are linked, Lloyd's, Halifax, although the Halifax brand is disappearing and Bank of Scotland are linked.

没错，了解这些很重要，但正因如此，我总强调得去查清楚具体的资格要求。

Yes, knowing them is important, but that's why I always talk about looking up eligibility criteria.

比如巴克莱银行，你之前不能拿过他们的转账奖励，也不能在2026年9月6日或之前拥有过他们的活期账户。

I mean, Barclays, you can't have received a previous Barclays switch bonus and can't have held a Barclays current account on or before the 06/09/2026.

所以每家银行的资格要求都不太一样，你得特别留心这些细节。

So they all have slightly different eligibility criteria, and you just need to be eagle eyed on that.

我刚才说的汇丰银行这个活动挺特别的，因为这种奖励比较少见，他们其实是在主动吸引客户，把新客户的标准放宽了一些。

The HSBC one I mentioned is interesting because that is a rare bonus and they're in sort of inviting switches to them by giving the slightly looser criteria of what counts as being a new customer there.

还有之前提到的合作银行，转账奖励是325英镑，外加连续三个月每月25英镑。

One addition to that, co op, which I mentioned earlier with £325 plus £25 a month for three months.

也就是说，只要你满足条件，拿到每月25英镑的奖励，总共能拿200英镑。

So that's a total of £200 if you fulfill the criteria to get the £25 a month for three months.

有意思的是，他们的做法有点不一样。

Interestingly, it's actually doing something slightly different.

他们说，如果你已经是他们的房贷或储蓄客户，再转过来，还能额外拿100英镑。

It says it will give you £100 extra if you're an existing customer with a mortgage or savings with it switching into it.

你看，这些条件五花八门，就跟我的口音一样多样。

So as you can see, the criteria are multiple and varied, just like my accents.

那我们先把银行账户的事放一放，还有打包银行账户没聊呢。

So we're going to hold banking there for a second, we still have packaged bank accounts to do.

如果你家里人买过旅行保险、手机套餐或者道路救援服务，这类账户特别划算。

Really important for anyone who pays for travel insurance for the family and has family mobile phones and breakdown cover.

收益真的能很高。

That can be very, very lucrative.

不过我觉得，是时候换点别的了。

But I think it's time for something different.

对，该到本周的‘告诉我们’环节了。

Yes, it's time for this week's Tell Us.

我之前问的问题是：你有没有在餐厅、咖啡馆或者外卖店上过班？

The question I put out there was have you worked in a restaurant, cafe or takeaway?

如果你有相关经验，吃外食或者点外卖时有什么内部小窍门？

What are your insider tips for eating out or in if you do?

怎么吃最划算？哪些东西别碰？怎么拿折扣？外卖平台怎么用？这些都可以说说。

Best value food and drink, what to avoid, how to get discounts, delivery apps and more.

幸运的是，我们不用干等大家的回复。

And luckily, we haven't been waiting for the answers to come in.

答案已经越来越多了。

It's grown.

已经有大量的人参与了。

We have had a huge number of people.

西蒙，你来念第一个吧。

Simon, why don't you read the first one?

索尔说，我曾在高档餐厅工作了很多年。

Saul says, I worked in top end restaurants for many years.

人们最大的误区就是点第二便宜的那瓶酒。

The biggest mistake people make is ordering the second cheapest bottle of wine.

顺便说一句，我平时也经常这么做。

This is something, by the way, so I do this all the time.

好的。

Okay.

我可太有这毛病了。

I'm very much guilty of this.

我压根没意识到这儿也这么干。

I hadn't realized that was getting done here.

明白了。

Okay.

其实这瓶酒的加价幅度最大。

That's actually the wine with the biggest markup.

店酒是餐厅用来代表自己形象的主打酒款。

The house wine is the restaurant's flagship wine they use to represent themselves.

它在菜单上最便宜，但品质通常非常好。

It's the cheapest on the menu, but usually of excellent quality.

大家因为是店酒就避而远之，可实际上，这往往是同价位里最出色、最划算的选择。

People avoid it because it's the house wine, when actually it's usually the nicest and the best value for money at that price point.

这挺有意思的，你常听说要选第二便宜的，但我们现在有盖诺在这儿，完全支持盐的说法。

It's really interesting because you've often heard the order the second cheapest, but actually we've got Gaynor here who's backing up salt totally.

我意大利丈夫当了多年服务员，从不点酒单上的酒，他说，要是家常酒质量差，会毁了餐厅的名声。

My Italian husband who worked for years as a waiter, he never orders from the wine list because he says it's not worth the restaurant's reputation to have lousy house wine.

所以直接点这个就行。

So just order that.

这么说来，再加上这个小贴士，又多了一个经验。

So backing it up and there you go, another accent for you.

继续说。

Keep going.

接下来是必胜客的居家省钱妙招。

Next up, your home clean at Pizza Hut.

别为甜玉米额外付费。

Don't pay for sweet corn as an extra topping.

甜玉米和墨西哥辣椒都可以从沙拉吧自己取。

Get the sweet corn off the salad bar, same as the jalapenos.

这个小建议不错。

Nice little tip there.

特蕾西，最好的建议是选一家菜单简单的店。

Tracy, best advice, choose a place with a small menu.

菜单太大的店，食物多半是冷冻或加工过的，质量一般都不怎么样。

Large menus mean frozen or processed and generally poor food.

我嫁给了一个前厨师。

I'm married to an ex chef.

艾莉，我在纽卡斯尔一家很棒的家族独立餐厅工作。

Ali, I work in an amazing independent family run restaurant in Newcastle.

我的建议是，直接打电话问餐厅能不能做外带或本地配送。

My tip would definitely be to phone and ask a restaurant if they can do takeout for collection or delivery locally.

这样点的菜价是餐厅原价，而不是第三方平台标的价格。

The food will be the restaurant price rather than the ones given using a third party.

这个行业现在挺难的。

The industry is struggling.

我知道现在出去吃饭不像以前那么划算，但我现在更愿意支持独立餐厅，而不是连锁店。

I know it's not affordable to eat out as it was, but I now look at the independent restaurant rather than the franchise.

不过，我知道这更多是我个人的选择，而不是什么建议。

However, I get that's my choice rather than a tip.

嗯，这挺有意思的。

Well, is interesting.

我的意思是，如果你通过那些大型外卖平台下单，经常会发现价格比你直接去餐厅堂食还要贵。

I mean, if you order on one of the big delivery apps out there, you will often see that the price is more expensive than it is when you go into the restaurant itself if you're eating in the restaurant.

而且很明显，平台还会额外加收配送费。

And obviously they've got the delivery costs on top.

所以，最好先查一下，如果餐厅自己提供配送服务，或者你没法去自取，直接找他们可能更划算。

So it's always worth doing that check to see if you're going to do it straight if that if the restaurant itself has its own delivery route that it can bring to you if you can't go and pick

我们家常去的那家外卖店，只要直接订，就会送免费蒜香面包。

it My go to takeaway give you a free garlic bread if you just go direct to them.

所以我们才开始直接找他们订。

That's why we started doing it.

后来他们才意识到，这是为了避开平台的抽成。

They only realised afterwards it's because they're trying to circumnavigate the charges.

我听岔了，本来是说‘我常去的外卖店’，结果听成了‘我的山羊外卖’。

I got lost because I originally said instead of saying my go to takeaway, I heard my goat takeaway.

因为脑子里一出现那个画面，我就没法专心听下去了。

I couldn't quite listen all the way through because of the image it gave me.

约翰尼当了二十年厨师，现在自己当老板。

Johnny worked as a chef for twenty years, now an owner.

星期一尽量别点鱼。

Try not to order fish on a Monday.

最晚也得是周六送来的，早就不新鲜了。

It would have been delivered on Saturday at best.

去米其林餐厅吃午餐吧。

Go to Michelin restaurants for lunch.

那时候他们正练手主菜，很多菜品都有超值优惠。

It's when they practice their main meals and most have great deals.

对。

Yeah.

如果你想吃点高档的餐食，一般来说午餐是最合适的时间。

If you want posh nosh, lunch is the best time to do it generally.

伏尔泰说过，在那些快餐汉堡店，如果看到食物在传送槽里放着，点汉堡时别选某种配料，这样能拿到新鲜做的。

Voltaire says, in fast food burger places that have stuff sitting in the chute, order your burger without something to get a fresh one.

另外，点饮料时别加冰，因为冰块可能占了三分之一的分量。

Also order drinks with no ice as ice can be a third of the volume.

这招在本地和国外都管用。

It works here and abroad.

是的。

Yeah.

这真有意思。

That's really interesting.

要么就选不加某种配料，要么就要求额外加点什么，不然你吃的就是在灯下放了很久的东西，这样能确保是现做的。

Either order without something or get them to add something on because otherwise you are just having that stuff that's just sat under the lights for ages, and that way you're getting them to make it fresh.

当然，如果你只是想快速吃点快餐，点特别的餐品反而没点普通的来得快。

Of course, though, if you're going in for fast, fast food, it won't be as fast towards something specific as it would towards something generic.

所以这是个权衡。

So it's a trade off.

我们还剩几个没说。

We've got a couple more left.

咱们继续吧。

Let's do them.

ACI有声音在说，根据我在餐饮行业的工作经验，他们会这么说。

ACI have a voice and they're saying something that from my time of working in hospitality, would say this.

他们在炸鱼薯条店工作，对服务员说声‘请’和‘谢谢’，再加个微笑和一点同理心，比如‘你在后面干活肯定很热吧’。

They work in a fish and chip shop, a please and a thank you to your server, as well as a smile and some empathy, like, it must be hot working behind there.

你做得真不错。

You're doing so well.

这样你就能拿到更多薯条，还有最新鲜出锅的鱼。

It's going to get you a larger portion of chips and the freshest cooked fish.

是的。

Yeah.

很多人都说要待人友善，这其实是个普适的人生准则。

We had a lot of people saying be nice, and it's just a general rule for life, really.

西，你以前在服务业有什么经历吗？

What was your hospitality experience, Si?

我曾在一家酒吧工作过，说实话，你态度好一点，给点小费，以后点单肯定能快很多。

Well, I worked in a pub for a bit, and to be fair, be nice, give me a tip, you'll almost certainly get served faster going forward, I would say.

一直都是这样。

That was always the case.

我记得我工作的那家酒吧，每周都办扑克夜，那种游戏你根本离不开桌子，所以大家都会趁着固定的休息时间一起过来点单。

I I remember the the pub that I worked in, they would do like a weekly poker night, so then they would have poker's the sort of game where you can't really step away from the table, so they'd all then come at an organized break.

是啊。

Yeah.

我总是记得那些上周给我小费的人。

I always remember the people that had given me a tip the week before

你一眼就能认出他们，对吧？

They were the ones you saw, weren't they?

是的

Yeah.

对

Yeah.

没错

Yeah.

我在吧台后面干得还不错。

I was not bad behind the bar.

我15岁当服务员的时候，可是最差劲的。

I was the worst waiter ever when I was 15.

我在一家意大利餐厅打工，根本不懂意大利菜，也不太了解那里的菜品。

I worked in an Italian restaurant, didn't really know Italian food, didn't really know the food that was out.

上菜的时候，我还会跟客人握手。

I had a handshake when I delivered the food.

结果盘子一直晃，我根本拿不稳。

So like everything would be shaking, I just couldn't hold the plate still and everything.

我刚去那儿大概三天，那是我唯一能找到的工作——我从小在森林深处长大，附近根本没几个地方招人，能拿到这份工作我已经很幸运了，而且——

I'd been there about three days, and it was the only- I mean, I grew up in the middle of a forest, so there were not many places to work nearby, and I'd managed to get this job, and Based

是因为你口音学得特别像吗？

on based on being so good on the accent?

不是不是，我在那儿的时候根本没刻意模仿口音，那里本来就有不少意大利服务员。

No, no, I didn't try the accent when I was in there, there were actually Italian waiting staff in there.

那时候我可能才十六岁，心想这下肯定要被开除了。

Maybe I was 16, and I thought I'm gonna get the sack here.

我简直糟糕透顶。

I'm absolutely terrible.

这事儿我以前讲过，但后来我运气好得出奇。

I've told this story before, but I'm- and then I had the best bit of luck.

收银机坏了。

The till broke.

收银机一坏，大家都慌了，我记得我端着单子过去，他们说收银机坏了，我就说：没事，我这单就28镑52便士，他们一听，都愣了。

So the till broke, and they were all in panic over it, and I remember coming and I had my order and they're, oh, till's broke, and I said, it's all right, mine is, you know, £28.52, and they're like, what?

我以为是28.52英镑，他们就说，那你来负责收银吧。

Thought it was £28.52, and they said, okay, you be the till.

所以接下来整个夏天，我都在那家意大利餐厅当收银员，而不是当服务员，这其实挺适合我现在的职业的，你说是不是？

So I basically spent the rest of my summer, which when I was working there, being the till in an Italian restaurant rather than being a waiter, which is quite fitting really for what I do now, suppose, isn't it?

是的，这简直是完美的准备。

Yeah, yeah, well, perfect preparation.

你看，数学在你根本想不到的生活领域里也能派上用场。

See, maths can play a part in all types of life you never expected.

我们还剩两个。

We've got two more.

我想先把这两个搞定，然后我们再回头聊银行账户的事。

I want to get them done, then we'll start and we'll go back to bank accounts.

克里斯汀，我曾在一家独立经营的意大利餐厅当过服务员。

So Christine, I waited on in an independent Italian restaurant.

虽然是独立餐厅，但也不代表所有东西都是自己做的。

Just because it's an independent restaurant doesn't mean things aren't bought in.

我们以前经常收到客人夸奖龙虾意大利饺，其实都是买来的冷冻货。

We used to have so many compliments for the lobster ravioli, but it was bought in frozen.

每次有人说是手工做的，我们就回说：很高兴你喜欢。

Every time someone said they could tell they were homemade, we'd just reply, I'm glad you enjoyed them.

我会跟厨师说一声。

I'll let the chef know.

我不是早跟你说过，要是想保密的话。

Told you if it would be secrets that we wanted.

我们最后来聊一下露易丝。

We'll finish with Louise.

我开了一家自己的咖啡馆，礼貌真的很重要。

I own my own coffee shop cafe and politeness goes a long way.

我们有咖啡积分卡。

We have loyalty cards for coffees.

只要你常来，偶尔就会送你免费饮品。

If you become a regular, you get freebies now and then.

就是说，你整个餐食、咖啡和甜点全都免费。

As in your whole meal, free coffees and desserts.

我们在普雷斯顿开了二十年了，常客都能享受到福利。

We're in Preston, established twenty years, being a regular earns rewards.

我得说一句。

I will say this.

有时候周一我写东西的时候，会去一个地方，离我家大概得走四十分钟。

Sometimes when I'm writing on a Monday, there's a place I go, it's probably about forty minutes walk from where I live.

你知道的，我哪儿都走着去。

And as you know, I walk everywhere.

每周一我都会去那儿写上几个小时，边吃午饭边写我网站的周报。

And I go there to go and write for a couple of hours for lunch on a Monday, it's when I'm writing the weekly email for my website.

过去六个月里，他们已经三次告诉我，不用付钱了，因为我常来。

And in the last six months, they have three times told me I don't need to pay because I'm a regular.

不过我得说明一下，那儿的服务员都不是以英语为母语的，而且从他们跟我聊天的样子来看，我觉得他们根本不知道我是谁。

Now I do need to point out, all of the waiting staff there are not English first language, and I don't believe from the conversations they've had with me, they know who I am.

所以这并不是电视上说的那样，简单来说，就是你经常光顾，我们想谢谢你一直以来的支持。

So this isn't always off the telly, let's try and- This is just a you go there regularly, we want to say thank you for your continued custom.

完全赞同露易丝刚才说的。

So absolutely backing up what Louise says there.

谢谢你们。

And thank you.

我不能——我想我不能做广告。

I won't- I guess I can't plug, I can't do advertising.

我不能说出那个地方的名字。

I can't name what the place is.

它其实是连锁店的一部分，但就是这家分店。

It's actually part of a chain, but it's that particular branch.

感谢所有服务员、餐厅老板和那里的人们，谢谢你们的善意。

And thank you to all the waiting staff and restaurant owners and people there for giving us your tips.

我知道现在餐饮行业不容易，衷心祝愿你们一切顺利。

And I know hospitality is struggling at the moment, I wish you all the best.

接下来我们来看看打包银行账户。

Now, we're going to move on to packaged bank accounts.

目前这类账户很少见，但有些开户奖励非常吸引人，甚至很划算，因为你通常得为打包账户付费，而它本质上是一堆和银行账户绑定的保险产品。

What we're seeing rarely at the moment with these is there are a number with switch bonuses that makes it very exciting and lucrative, because it effectively means that the products that you normally pay a fee for because a packaged bank account is effectively a whole load of insurance products that you pay a fee for linked to a bank account.

其实重点不在银行账户，而在保险。

It's more about the insurance than it is the bank account.

你付的费用，正好被开户奖励抵消了。

The fee that you pay is covered by the switch bonus.

所以你可以把它看作是一年免费的保险服务。

So you can almost think of this as free insurance products for a year.

通常你能得到的保险是全球家庭旅行保险。

Now, normally, the type of insurance you get is worldwide family travel insurance.

如果单独买，这种高质量的保险要花70到100英镑。

Well, that would cost you 70 to £100 because these are good quality insurance if you paid it standalone.

还有家庭手机保险，覆盖全家所有人的手机。

Household mobile phone insurance, so cover for all the family's mobile phones.

想象你家里住着几个青少年，人人都有智能手机，光这一项保险就可能值七八十到一百英镑。

Imagine you're living in a house with a couple of teenagers, you've all got smartphones, that could easily be 75 to £100 per policy.

这样一来，如果单独购买，这些保险加起来总价值差不多能达到四五百英镑。

So that's getting us up now to around 4 or £500 in total value if you were to buy it standalone.

英国和欧洲的道路救援服务，费用大概在五十到一百五十英镑之间。

UK and European breakdown cover, well, that's between 50 and £150.

你看，如果单独买这些保险，一年花五百英镑是很轻松的事。

So you can see that you might be spending easily £500 a year buying these insurances as standalone.

就算在普通时候，每月付十二到十八英镑的账户服务费，也比单独买保险划算得多。

And it would be far cheaper even in normal times to pay the 12 to £18 a month fee for these packaged bank accounts.

但现在，银行还额外送现金奖励来吸引你开户，这笔奖励正好覆盖了月费，通常能持续十个月到一年，等于你白拿了五六百英镑的保险保障。

But right now, when they're offering you free cash on top to sign up, and that pays the fee, in most cases, normally for ten months to a year, then effectively you're getting £500.600 pounds worth of insurance.

但前提是，这些保险你本来就要买；如果你根本不需要，那再免费也不值。

Again, only if you would have been buying that anyway, otherwise it's not worth it at no cost.

我们平时很少见到这种优惠。

And we don't normally see these freebies.

我来快速给你讲一下这些优惠活动。

So let me run you through just the deals very quickly.

桑坦德银行的Edge Explorer账户，月费17英镑，开户送180英镑现金。

You've got Santander Edge Explorer monthly fee £17 giving you £180 free cash if you open it.

还附赠一张150英镑的全球酒店代金券。

Also giving a £150 worldwide hotel voucher.

包含全球旅行保险、最多四部手机的手机保障，以及英国和欧洲的道路救援服务。

It's got the travel insurance worldwide, the mobile phone cover for up to four handsets, the breakdown cover UK and Europe.

另外还提供家庭远程医疗服务，24/7在线问诊，以及普通银行账户的所有其他福利。

It also gives you family remote 20 fourseven GP access and the other perks that its normal standard bank account gives.

如果你会用到这些服务，这个套餐真的很划算。

So that's a pretty hot package there if you'd use it.

合作银行的Everyday Extra账户，开户送125英镑，外加连续三个月每月返25英镑。

You've got the Co op bank everyday extra account that's giving you £125 switching bonus plus £25 a month for three months.

同样包含全球家庭旅行保险、家庭手机保障，以及英国和欧洲的道路救援服务。

Again, it's got the worldwide family travel insurance, the household mobile phone breakdown insurance and UK and European breakdown cover.

它的优势是月费只有12英镑。

Its advantage, the monthly fee is just £12.

所以你实际上能拿到200英镑，加上125.03英镑的奖励。

So you're getting effectively £200, the £125.03 plus £200 on top.

月费是12英镑。

The monthly fee is £12.

那这笔费用都包含哪些服务呢？

So what's that covering you?

大概能撑二十个月。

About twenty months.

用切换奖励抵扣月费，差不多能撑二十个月。

It's covering you for about twenty months, the monthly fee with the switching bonus.

所以这个选项也很划算。

So again, could be pretty lucrative that one.

另一个我想提的是国民威斯敏斯特银行的Flex Plus账户，转过来能拿175英镑。

And the other one I'll mention is the Nationwide Flex Plus that gives you £175 for switching to it.

它的月费是18英镑。

Its monthly fee is £18.

所以算下来大概只能撑十个月。

So what we're talking just about ten months there.

它的主要优势是包含旅行保险、手机保障和道路救援服务。

Its main perk has the travel insurance, mobile phone cover, breakdown cover of the others.

它最大的亮点是全球旅行保险没有年龄限制。

Its major perk is there is no age limit on the worldwide travel insurance.

其他所有产品都有年龄限制。

All the others has age limits.

合作银行的上限是79岁。

The co ops limit is up to age 79.

桑坦德Edge的上限是70岁，所以它的年龄限制最高。

The Santander Edge is up to 70 birthday, so it's got the highest age limit on top of it.

这三种就是目前最值得考虑的综合银行账户了。

So those are the three top packaged bank accounts.

我刚才快速过了一遍这些内容。

I've run through them at speed.

当然，你们还得仔细阅读和了解具体细节。

Obviously, and do your proper reading and detail about them.

西蒙，你有什么问题吗？

Give me some questions, Simon.

首先，我们确实有个成功的做法。

Well, first off, we've actually got a success.

太棒了。

Love it.

科林，我们以前各自都办过一个套餐银行账户，后来为了付家庭账单之类的，就开了个联名账户。

Colin, we used to have a packaged bank account each until we set up a joint current account for household bills, etcetera.

然后我们把套餐账户保留下来，取消了其他的，这样花一份钱就能享受双倍的权益。

We then made that packaged bank account, cancelling the rest, and get the same benefits of two accounts for the price of one.

我们的两张卡都包含道路救援服务，而且我们是重组家庭，双人名下的旅行保险没问题，还覆盖了孩子。

Both our cards are covered in the breakdown, and as we're a blended family, there isn't an issue with travel insurance in two names, and that includes the children.

这一点其实很重要，因为有些套餐银行账户的保障只限于账户本人。

So that's actually a very important point, because sometimes with package bank accounts, the cover is only for the account holder.

我不是在说这些账户，但很多道路救援服务确实只覆盖账户持有人。

Now not the accounts I'm mentioning, but often with the breakdown cover, it's only for the account holder.

就算你们当中只有一个人来操作，只要你们有真正的信任关系——而你们必须有，毕竟这是个联名账户，一个人不能独揽控制权。

So even if only one of you were going to do this, if you are in a proper trusting relationship, and you need to be because it is a joint bank account, one doesn't have control of it.

如果你们彼此信任，哪怕对方不打算用这张卡，也可以把对方加为联名账户持有人。

If you're in a proper trusting relationship, then you could put your partner's name as a joint account holder, even though they won't use it.

这样一来，比如道路救援只保账户持有人，但你们办成联名账户，两个人就都能覆盖到了。

Just so then, for example, if the breakdown cover was only for the account holder, and you do it as a joint account, it would cover both of you.

这个小技巧挺有意思。

So an interesting tip there.

接下来呢？

What's next?

Carol有个问题。

So Carol's got a question.

我用的是综合账户，包含旅行保险，另外还额外付费覆盖了既往健康问题。

I use a package account for travel insurance and pay the supplement for pre existing health issues.

这一点非常关键。

That's really important.

如果你有既往病史，最好主动问清楚，很多时候你可以提前了解，为了覆盖你的状况需要加多少钱。

Often, if you've got a pre existing condition, you should ask them and you can generally in some cases ask them in advance how much you would have to pay extra to cover your condition.

有些银行的年龄上限比较低，但你也可以额外付费提高上限；另外，邮轮保险有时也需要额外付费。

It also applies for some of the banks which have lower age limits that you can pay them extra to have a higher age limit, or cruise cover is sometimes extra as well.

所以你得仔细看看保险具体包含哪些内容。

So you need to check what's in the cover.

不过通常花点小钱就能升级，获得更全面的保障。

But often you can do a relatively cheap upgrade you want to get wider cover carry on.

但她提到，之前手机丢了，他们拒赔，还收了高额的手续费，她现在不太信任他们。

Well, but she says she doesn't trust them after they wouldn't pay out on a lost phone and charge quite big admin charges when you want to upgrade, I.

嗯。

E.