Railcard.co.uk sells 16-25, Family & Friends, Senior, Disabled and Network Railcards.
Below are today's top Railcard offers, fully legitimacy checked and verified by our team of bargain hunters. Get 'em while they're hot!
Whether it's a retailer or restaurateur, airline or air-conditioner seller, computer shop or car rental company, there are always two main risks. Either it's a dodgy company, or it's a legit company that has financial problems and goes bust.
The aim of these tips is to help you minimise the risks.
Quite simply, its customers are immediately transformed into creditors. This hits hardest if you've ordered goods or tickets from them, and not had delivery, as then you become one of a line of people trying to get your money back out of the company's assets, and you usually get back much less than you paid in.
Even if you've had delivery, if the company you bought from goes under and there's a problem with the goods, it can mean you've no comeback.
While MoneySavingExpert.com endeavours to check deals are valid, we don't check companies ' finances. Even huge names like MFI and Woolies have folded, so it's very important you use the right strategies to stay protected where possible.
Pay by credit card for something over £100, and Section 75 laws supercharge your consumer rights.
Unlike debit cards, cheques or cash, pay in full or part (even just £1) on a credit card and by law the lender's jointly liable with the retailer.
This means you have exactly the same rights with the card company as you do with the retailer. So if it goes bust, you can simply take your complaints there instead and get money back if there's no delivery.
Yet it's important you ALWAYS REPAY IN FULL each month, so there's no interest cost. See the full Section 75 guide.
Section 75 doesn't apply to purchases under £100, but there's still an option which can help. It isn't a legal protection, just Visa, Mastercard and Amex's rules, but it's a good back-up.
Spend on a Visa, Mastercard or Amex credit card or any debit or charge card. If the goods don't appear, you can try to ask your bank/card provider to reclaim the cash from the seller's bank, so long as you complain within 120 days of realising thereís a problem. See the Chargeback guide for full details.
Bogus websites are often set up to cash in on popular products like Ugg boots and Tiffany necklaces, so be wary if it's an unfamiliar site. And don't think that because it appears on a reputable search engine, that makes it a reputable site - always check.
Most folk know to look for a security padlock on the bottom right of a website, but that doesn't mean the site's legit, just that payment's secure.
To find out who registered the site and when, search the Whois database. Reputable firms should also appear on the Companies House site, the UK Government's official companies register. Be very wary of businesses with just a PO Box or email address.
Study the site's worldwide web ranking on Alexa. Anything in the top 100,000 means it's reasonably big and a good, though not foolproof indication of legitimacy. Do a quick Google search for other shoppers' experiences.
Crucially, ensure your security's up-to-date - free software can be downloaded to your computer in about five minutes. Full details in the Free Antivirus Software guide.
Many people are surprised to learn you've MORE rights buying online (or by telephone/catalogue) due to the Distance Selling Regulations.
These give you a legal right to send most goods back within seven days for a full refund (including outward delivery costs), even if there's no fault. You'll usually need to pay for the return delivery. Read Consumer Rights for a full guide.
However, of course, this is balanced by the fact ordering online automatically means there's a time gap between ordering and delivering - when the company has your money. So if it goes bust during that time, the distance selling rights don't help.
Ultimately, there is always a risk that a company can go bust. If the above routes don't apply, then you have to make a decision about whether you're willing to take the risk of parting with your cash.
Don't be scared of this. Every day we all make transactions based on trust, and this is part of that, but do balance up the amount you're spending against the risk. Don't give large amounts of money to a company you're not sure about.
Other deals can be better value than the railcards but if you're buying them anyway, and don't need any other deals, it's a good conversion. Read more in the Loyalty Points Boosting guide. Also, check the railcard site for restrictions and to ensure you're eligible before exchanging your vouchers.
What discounts do the railcards get you?
16-25: A third off fares if you're over 16 and under 26.
Family & Friends: A third off adult and 60% off child fares, a minimum of one adult and one child, up to four adults and four children (age 5-15) can travel using one card.
Senior: Those 60 and over get a third off rail fares.
We can't stop going on about how good the Family Railcard is - up to four adults and four children can travel on one card and it gets a third off fares for adults and 60% off for children aged 5-15. With the named cardholder, at least one child needs to travel with an adult.
There's a host of the other tips and techniques to bag yourself dirt cheap train tickets. Here's a few quick tips but for full info read the Cheap Trains guide.
Everyone knows book early and you can get cheaper fares, yet often these disappear quicker than empty seats on a commuter trip. Therefore to ensure a bargain, the key moment is buying 12 weeks in advance. This is because contractually, Network Rail must have the timetable set 12 weeks in advance; so this is usually - though not definitely - when tickets are released.
If you know when and where you want to go, there's a sneaky way to be first in the cheap tickets queue. TheTrainline's* ticket alert system emails the moment cheap advance tickets for a specific journey come on sale (commonly the cheapest fares).
Everyone knows booking train tickets in advance is much cheaper. But what needs to be understood is advance tickets can often be bought the night before, or even on the way to the station. So the golden rule is... Always check or call if advance tickets are still available, even if you're on the way to the station.
Railcards, which can be bought from the Railcard website, typically cost £30 per year, or £70 for three years, and cut a third off off-peak travel. Therefore spend over £90 a year (even in just one trip) and you save. Until May 2008 railcards weren't valid on some super-cheap promotional fares, now they're valid on all tickets bought in advance and all standard class tickets.
Local rail cards, season tickets and Rover and Ranger tickets, such as the Network Railcard in the south east of England, are also available, offering holders unlimited travel within specific areas for specific periods of time. There's a full list of these on the National Rail website.
If you need to dial National Rail Enquiries, the official number is 0845 748 49 50; yet you can cut the cost of calling by dialling 0121 634 2040 and then pressing '1', you'll get through to the same thing. See the SayNoTo0870 guide for more info.
In the main body of the article two types of links are listed. The first, which all have a * within the main body of the articles, help MoneySavingExpert.com stay free to use, as they're 'affiliated links' which invisibly take you usually via affiliate linkage or commercial money sites, which then pay this site. It's worth noting this means the third party used may be named on any credit agreements.
The second type doesn't help and therefore doesn't have a *. You shouldn't notice any difference, the links don't impact the product at all and the editorial line (the things we write) is NEVER impacted by the revenue - we aim to look at all available products. If it isn't possible to get an affiliate link for the best product, it is still included in exactly the same way. For more details read how this site is financed.
Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and deals
GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free
Find the best online rate for holiday cash with MSE's TravelMoneyMax.
Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.