Assist us crown the most effective – and worst – accounts for this yr

Are you mad about Monzo, or simply mad with them? Do First Direct come up first or final? Is Amex a card you’re avid about or one you actively keep away from?

Nicely, now it’s your likelihood to let everybody know what you consider financial savings, present accounts and bank cards, regardless of the financial institution or model.

Utilizing your votes, we’ll have the ability to reveal the great, the unhealthy and the ugly for the final 12 months. 

Learn the way you are able to do this and be in with an opportunity of profitable a £250 prize!

Some articles on the positioning comprise affiliate hyperlinks, which offer a small fee to assist fund our work. Nevertheless, they gained’t have an effect on the value you pay or our editorial independence. Read more here.

What are the Be Intelligent With Your Money 2024 Viewers’s Decisions?

Beginning this yr, we’ll be asking our readers, viewers, listeners and followers to inform us which private finance merchandise you price, and which you don’t. We’re three classes:

  • Present Account
  • Financial savings Account
  • Credit score Card

You may vote to your favorite and least favored merchandise for all three, or simply inform us about one – all of the votes depend.

Why vote?

For a begin, everybody who takes half will likely be entered right into a prize draw, with the winner picked at random receiving a £250 Amazon present card. 

The extra you vote, the extra entries you’ll have into the prize draw – although you’ll be able to solely go away one evaluate per product (good or unhealthy). 

Phrases and situations apply, and we’ve listed these additional down the article.

Plus, sharing your experiences and opinions will assist others when selecting accounts and playing cards – whether or not that’s from particular person opinions or our general outcomes. 

Learn how to vote

To participate you’ll want to depart a evaluate of a product at our sister web site Sensible Cash Individuals by way of the hyperlinks under. If you happen to do need to inform us about a couple of account in the identical class you’ll have to click on the related hyperlink once more.

If you click on by way of, you’ll be requested to depart a evaluate and price totally different points of the account. To do that you’ll have to

  • Search for an organization – that is the identify of the supplier, for instance, Chase or Capital One
  • Choose a product – if the precise account isn’t displaying, you’ll be able to decide the closest one and add the precise identify in your evaluate
  • Give your ranking – you’ll be able to go away a star ranking out of 5, and add the way you assume the supplier performs for issues like customer support
  • Depart a evaluate – inform us extra about what you want and don’t like
  • Confirm your evaluate – put your e-mail deal with in so we all know it’s not spam

Who you’ll be able to vote for

So long as the financial institution, constructing society or lender provided a product in 2024, it’s truthful sport. 

Although it’ll little doubt be tempting to simply shout out in regards to the ones you like, it’s simply as necessary to share these you’ve had points with.

When does voting shut?

We’ll want all of your opinions by midnight on Sunday 8 December 2024.

When will the winners and losers be revealed?

We’ll announce the leads to the weeks earlier than Christmas on the positioning and on our YouTube channel.

What occurs to my evaluate?

Your evaluate will seem on the Sensible Cash Individuals web site, the place different individuals will have the ability to be taught out of your good and unhealthy experiences when deciding which product is finest for them.

Prize draw phrases and situations

The prize draw (the “Prize Draw”) is open to UK residents aged 18 and over.

If you happen to’re below the age of 18, by coming into the prize draw you verify your mother and father or guardians have consented to your entry, and have learn and perceive the competitions’ phrases.

Staff of Be Intelligent With Your Money, Sensible Cash Individuals or their relations, or anybody else related with the Prize Draw, might not enter the Prize Draw.

Entrants into the Prize Draw shall be deemed to have accepted these phrases and situations.

To enter the Prize Draw you will need to go away an eligible evaluate between 20 November 2024 and eight December 2024.. Entries acquired after this time won’t be eligible. No buy is critical. 

Chances are you’ll go away a couple of evaluate, however every evaluate should be for a distinct product and/or model. Every eligible evaluate will qualify for an entry into the Prize Draw.

You probably have any questions on the way to enter or anything in regards to the Prize Draw, please e-mail us at [email protected].

There’s one £250 Amazon present card prize on provide. The Prize Draw winner will likely be chosen from a random draw of entries acquired. The draw will happen week commencing 17 December 2024..

The winner will likely be notified by e-mail (utilizing the small print supplied at entry) on or earlier than 20 December 2024. If a winner doesn’t reply to Sensible Cash Individuals inside 14 days of being contacted, the winner’s prize will likely be forfeited, and Sensible Cash Individuals might choose one other winner. If a winner rejects their prize or the entry is invalid, or in breach of those Phrases and Situations, the winner’s prize will likely be forfeited, and Sensible Cash Individuals might choose one other winner.

The present card prize will likely be transferred to the winners’ e-mail account by Sensible Cash Individuals inside 14 days of the winner confirming they settle for the prize.

The identify of the winner will likely be accessible six weeks after the cut-off date and might be obtained by sending an SAE to Sensible Cash Individuals Restricted, Ebbisham Home, 30 Church Avenue, Epsom, KT17 4NL. 

Except in any other case said, the promoter is Sensible Cash Individuals Restricted, Ebbisham Home, 30 Church Avenue, Epsom, KT17 4NL.

Sensible Cash Individuals reserves the best to amend or discontinue the Prize Draw at any time with or with out prior discover attributable to causes exterior its management. The choice of Sensible Cash Individuals in all issues below its management is closing and binding, and no correspondence will likely be entered into.

The Prize Draw will likely be ruled by English regulation and entrants to the Prize Draw undergo the unique jurisdiction of the English courts.