Cash Chats UK Money & Personal Finance podcast

Andy Webb

Savings Accounts

Personal Finance

Credit Cards

Bank Of England

Bank Switching

Premium Bonds

Mortgages

Inflation

Pensions

Interest Rates

Energy Price Cap

Current Accounts

American Express

Cashback

Income Tax

Cash Isas

National Insurance

Consumer Rights

Financial Advice

Credit Score

Cash Chats is one of the top money and personal finance podcasts in the UK. Hosted by award-winning broadcaster Andy Webb, founder of BeCleverWithYourCash.com and deputy editor Amelia Murray, the show will help you save, make and manage money here.

278 ratings

Publishes	Weekly	Episodes	565	Founded	9 years ago
Number of Listeners		Categories	BusinessEducationHow ToInvesting

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Guests Reviews Charts Talking Points

Latest Episodes

525 | The 4 ways money can definitely buy you happiness

This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about happiness, specifically if money can make you happy! Research suggests there are 4 ways cash can put a smile on your face, it's up to ... more

6 Jul 2026 • 23 min

524 | Death of the Lifetime ISA - where the free Government cash is going next

This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are chatting about the replacement for the Lifetime ISA, the recently announced First Time Buyer ISA.

This weeks episode is sponsered by Charles Stan... more

29 Jun 2026 • 27 min

523 | Why gold keeps rising - and the best ways to buy it

This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about gold! As the price of gold reached a high of over £4,000 an ounce in March this year, we look at why we've seen this spike in the price, wher... more

22 Jun 2026 • 29 min

522 | How to beat the "most hated tax" in the UK

This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about inheritance tax and how from April 2027, the pension and death benefits will become part of the deceased's estate. We'll look at how many thi... more

15 Jun 2026 • 29 min • Most popular

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Recent Guests

James Andrews

Editor of Be Clever With Your Cash

Be Clever With Your Cash

Episode: 512 | When to save and when to invest

Sarah Coles

Head of Personal Finance at Hargreaves Lansdown, former financial journalist, and a regular on BBC and Sky News.

Hargreaves Lansdown

Episode: 454 | Bank branch closures, ADHD 'sickfluencers', savings vs pensions & more (Your Money, This Month)

Rob Lilley-Jones

Consumer expert from Which Magazine

Which Magazine

Episode: 439 | Is Black Friday a con? Energy price cap up AGAIN, 18 month mortgage & more (Your Money, This Week)

Claer Barrett

Award-winning journalist and broadcaster.

Financial Times

Episode: 434 | NI increase bias, Trump & your money, pensions & more (Your Money, This Week)

Peter Komolafe

Financial commentator and YouTuber at Conversation of Money

Conversation of Money

Episode: 427 | Can you trust Revolut? UK inflation rate & budget latest + more (Your Money, This Week)

Dr. Eliza Firby

Historian and lecturer, author of Inheritocracy

Episode: 425 | The Bank of Mum and Dad: Interview with Dr Eliza Filby

Simon Read

Top money journalist, editor, and broadcaster

Episode: 419 | UK Base Rate, Tax on Savings, Premium Bonds & more (Your Money, This Week)

Martyn James

Award-winning consumer rights expert, TV star, podcast host, journalist, and broadcaster

Episode: 417 | Secret savings, State pension rise, 1st class stamps hike & more (Your Money, This Week)

Andrew Merritt

Victim of phone theft and member of the Be Clever With Your Cash community

Episode: 400 | Stop phone thieves stealing your savings

Reviews

4.7 out of 5 stars from 278 ratings

Lots of great practical cash saving hacks
Andy does a great job in giving information on money saving hacks and scams that I would otherwise be completely unaware of. I like the way everyday stuff that usually aren’t covered on financial podcasts are discussed, like Asos returns, subscription services, all the bank account recommendations, holiday hacks etc. Very easy to understand, all super practical advice that everyone can follow and implement.
Apple Podcasts
5
Lava Yuki
Japan2 years ago
Guest shows let down otherwise useful podcast
Normally find this useful but the newer ‘guest’ formats have not been great
Apple Podcasts
1
supeza
United Kingdom2 years ago
Useful
Nice little pod, thanks guys, each episode is full of tips & practical advice.
Apple Podcasts
5
Andy J F (Piano)
United Kingdom2 years ago
Great, keeps me updated
Andy comes across nicely, more matter of fact than the Martin Lewis podcast who is trying to be funny. I did prefer it before the other lady joined as I never find anything useful from what she says, it's more filler.
The pod focuses on account rates, helpful advice & tips. It has totally upgraded how I manage my bank accounts- thank you!
Apple Podcasts
4
...actually
United Kingdom2 years ago
Useful stuff!
Interesting listen, but my goodness Amelia needs to learn how to pronounce her T’s!
Apple Podcasts
5
jamesw85562
United Kingdom2 years ago

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Listeners Say

Key themes from listener reviews, highlighting what works and what could be improved about the show.

Positive feedback highlights trustworthy, actionable budgeting and bank-switching advice.

Listeners praise practical, easy-to-apply money-saving tips and clear explanations.

Overall sentiment notes that the show helps listeners save money and manage finances more effectively.

Some episodes are critiqued for guest formats or filler segments.

Listeners appreciate the UK-specific focus and up-to-date guidance on consumer finance topics.

Chart Rankings

How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.

Apple Podcasts	#47	United Kingdom/Business/Investing
Apple Podcasts	#146	United Kingdom/Business

Talking Points

Recent interactions between the hosts and their guests.

523 | Why gold keeps rising - and the best ways to buy it

Q: What are your top three tips if you are interested in gold?

First, have an emergency savings fund so gold isn't your first financial move; second, consider ETFs or ISAs to gain exposure without heavy storage concerns; third, if you want physical gold, opt for sovereigns to minimize tax on selling while accepting a higher upfront cost.

516 | Why interest rates really change - and what you can do to protect yourself

Q: Do rates actually matter for everyday people?

Yes, mainly through mortgage costs, savings rates, and how much people can borrow or are able to save; the episode emphasizes that while policy is complex, the practical impact is most visible in monthly mortgage payments and the rate environment for savers.

516 | Why interest rates really change - and what you can do to protect yourself

Q: Right, what just happened, James?

James explains that the Bank of England split on the vote, with some members leaning toward raising rates, others holding, and overall the immediate effect is cautious market movement and a six-week horizon before rates could change again.

512 | When to save and when to invest

Q: If someone is trying to make a decision between saving or investment, what factors should influence their choices?

The main factors are what you are saving for and when you need the money. If you need quick access, keep funds in easy-access cash; for emergencies, cash is appropriate. For longer-term goals like retirement, investing in markets is generally better, provided you have time to ride out short-term volatility. Always seek the highest rate available while ensuring you can access the money when needed, and consider tax-efficient options like ISAs or ICERs where appropriate.

459 | Big changes to Chase 1% cashback, what to do if you overpay an ISA & how to save money on train travel

Q: How can one maximize their savings on train journeys?

Book in advance, consider off-peak travel, and utilize split ticketing for potentially cheaper fares.

Audience Metrics

Listeners, social reach, demographics and more for this podcast.

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Frequently Asked Questions About This Podcast

What is This Podcast about and what kind of topics does it cover?

This show focuses on practical personal-finance guidance for a UK audience, covering saving strategies, budgeting, credit, banking, and cost-cutting across everyday life. Episodes mix how-to tips with explanations of financial concepts, regulatory changes, and current money-news themes, often featuring a money expert as a guest to translate policy and market moves into actionable steps. A notable strength is its clear, down-to-earth approach to complex topics (from BNPL risks to council tax reforms) and a strong emphasis on value-oriented money hacks and realistic budgeting. The format tends to be approachable for listeners who want doable improvements to manage money better, save more, and spend smarter, with a distinctly UK focus and prac... more

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Which podcasts are similar to this podcast?

These podcasts share a similar audience with this podcast:

1. The Money To The Masses Podcast
2. This is Money Podcast
3. The Meaningful Money Personal Finance Podcast
4. Which?
5. AJ Bell Money & Markets

How many episodes of this podcast are there?

this podcast launched 9 years ago and published 565 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.

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What guests have appeared on this podcast?

Recent guests on this podcast include:

1. James Andrews
2. Sarah Coles
3. Rob Lilley-Jones
4. Claer Barrett
5. Peter Komolafe
6. Dr. Eliza Firby
7. Simon Read
8. Martyn James

To view more recent guests and their details, simply upgrade your Rephonic account. You'll also get access to a typical guest profile to help you decide if the show is worth pitching.

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