Cash Chats UK Money & Personal Finance podcast 497 | Andy's December banking update, new FSCS protection & your right to return
Dec 2, 2025
Discover the latest bank switching deals and how to snag bonuses like a £200 switch offer plus an Amazon voucher. Learn about the new increase in FSCS protection up to £120,000, ensuring your money is safer than ever. If you’re dealing with buyer's remorse after Black Friday, understand your rights for returns, whether it's faulty items or change-of-mind scenarios. The episode also explores how payment methods can affect your refund options and the nuances of online purchase return policies.
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Use PayPal Plus, But Carry A Backup
- Try the free PayPal Plus debit card for 1% back and activate merchant offers before purchases to maximise rewards.
- Keep a backup card because occasional authorisation bugs can prevent transaction approvals in the app.
Compare Short-Term Cashback Rates
- Consider iFAST's 1.5% cashback for December but check rounding rules that may lose fractions under a penny.
- Compare this short offer to longer 1% options and credit-card welcome bonuses to see which nets more value.
Hotel Cards Suit Frequent Brand Guests
- New hotel debit cards (Marriott Bonvoy) connect to your existing account and award points mainly usable for hotel stays.
- High annual fees mean they only suit frequent stays at that chain or heavy points users.