Which? Money membership

Make your money work harder

Impartial guidance from money experts you can trust.

Which?

Spend and save wisely

25% off a Money annual membership for the first year

Offer ends 13th April 2025

What you get

Which? Money magazine
On-the-money reviews and investigations from our award-winning team, posted to you 6 times a year
Which? Money 1-to-1 guidance
Your money questions answered by our experts, unlimited appointments by phone
Which? Money Insider
Our incisive analysis of hot money topics, emailed to you monthly
Which? Money live events
Practical insights and Q&As with our experts, held online at least 4 times a year from October 2024
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Got unanswered questions?
Not sure if we can help? Speak to one of our advisors today. Call 029 2168 1803 to discuss your money query.

Cancel any time and we'll take no more payments. Other Which? subscriptions include Which? Money 1-to-1 guidance so call 029 2168 1803 to check if you already have it. Prefer to join by phone? Call 029 2168 1803. Lines are open Monday to Friday 9am-5pm and Saturday 9am-1pm.

Give a whole year’s membership as a gift

£49 £36.75 one-off payment

Which?

Deep-dive into money

Which? Money magazine packs a weighty punch, powered by independently researched reviews and investigations from our award-winning money team. We demystify complex money topics for you, suggest action plans for cutting costs, and rigorously review financial providers and products to help you avoid rip-offs.

Which?

Manage your money wisely

Which? Money 1-to-1 guidance for you and your immediate family over the phone. From everyday budgeting to insurance claims and pensions, our friendly team provides impartial guidance based on 350 years’ combined financial services experience, covering these areas and more:

  • Credit and debt
  • Estate planning
  • Insurance
  • Investments
  • Mortgages/equity release
  • Savings
  • Scams/fraud
  • Social care benefits
  • Student budgeting
  • Tax
  • Travel money
  • Trusts
  • Welfare benefits
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Get monthly updates

Which? Money Insider is our member-exclusive monthly commentary on the big things happening in the world of personal finance and what they mean for your money. We unpick the money issues of the moment and email our expert analyses to you via Insider newsletter every month.

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Hear our experts live

Which? Money live events are talks and Q&A sessions where our experts provide practical insights and answer your questions, live and direct, on the money issues that matter to you. Held online at least 4 times a year from October 2024.

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Meet your money experts

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Mike Croxford

Tax & Pensions expert

Mike qualified as a financial adviser in 2002 and has been with Which? since 2012. He gives guidance on tax, pensions and investments.

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Samm Galloway

Tax & Trusts expert

Samantha has been with Which? since 2009. She specialises in supporting our members with personal taxation and trusts. Samantha enjoys being able to assist members to demystify these complex areas.

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Bill Wilkinson Hoy

Welfare & Benefits expert

Bill has over 45 years experience working in financial services. His specialist areas include - Scams & fraud, general insurance, welfare & benefits, mortgages & equity release, and long term care.

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Michael Tomlinson

Scams & Fraud expert

Michael joined Which? in 2015 having worked in banking for 17 years. He helps members with queries relating to pensions, scams, savings and investments.

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Hannah Heath

Pension & Investment expert

Hannah is a qualified mortgage and financial advisor with over 10 years experience. She helps members with their pension, investment, insurance, savings, banking and mortgage queries.

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Joanne Padilla

Banking & Savings expert

Joanne has 20 years experience working in a bank and is a qualified mortgage adviser as well as financial adviser. At Which? she enjoys helping members with pension, mortgage, tax and general banking/savings queries.

Which?

Ruabal Channa

Investment expert

Rubal brings over 20 years of experience in advising clients about their finances and specialises in Investments, but also has a detailed knowledge about pensions, scams and general banking.

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Simon Dicey

Mortgage & Insurance expert

Simon has worked in Financial Services for over 40 years. He covers a wide range of topics such as banking, mortgages, borrowing, care and insurance.

Member testimonials

Time Saving

"The advisor told us exactly what we had to do without hesitation. The discussion was backed up by an email explaining the method of calculation used by HMRC. I only wished I had used your services earlier, it would have saved a lot of my time listening to conflicting advice from third parties."

Elizabeth, Stirling

Peace of Mind

"Over the years I have found your advice invaluable. If I have any financial queries, knowing I can always ask for help, gives me peace of mind."

Peter, Abingdon

A Welcome Relief

"A wonderful outcome using the information given to me, the specialist insurance is sorted and paid, such a welcome relief, many thanks to you at Which?."

Rosemary, Preston

Feel Confident

"I have had several periods when I have needed information and advice to take me through the complexities of the Probate process. The service has given me the confidence to tackle this process myself knowing that I can get information and advice about areas that I have found more tricky."

Paul, Pontyclun

Membership questions

Our 1-to-1 individual guidance sessions by phone give you, and family members who live with you, access to Which? money experts who can guide you to outcomes that work for you. Our experts are impartial so they don’t give financial advice or recommend particular products or providers – they’re here to support you and to help you make more confident financial decisions in these areas and more:

  • Banking
  • Credit and debt
  • Estate and funeral planning
  • Insurance – car, home, travel, pet, life and health
  • Mortgages and equity release
  • Pensions
  • Savings
  • Scams and fraud
  • Social care benefits
  • Student budgeting
  • Tax – personal and inheritance
  • Travel money
  • Trusts
  • Welfare benefits

Once you’re a Which? Money member you can log in to My Account then book an appointment by answering a few online questions that help us decide which expert is best for you to speak to regarding the issue you’ve raised. We then offer you a time slot for the expert to call you. You can book as many phone appointments as you like. Family members who live at your address must call 029 2267 0000 to book.

You can cancel your Which? Money membership at any time and we’ll take no more payments. To cancel, call 029 2267 0000 or email us or write to us with your name and membership number. You can find out about other Which? memberships by calling 029 2267 0000.

Here are the different ways you can get in touch with us.

Every membership counts

Your subscription will help fund our not-for-profit mission to make life simpler, fairer and safe for UK consumers. In the last two years we’ve successfully campaigned to protect free access to cash and to make sure more scam victims are reimbursed by their bank. Your membership will mean we can keep on campaigning.

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