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Cheap Train Tickets Find hidden fares & split tickets

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The train ticketing system is a farcePurple train. To keep your spending away from the buffers, you need to learn how to play the system with hidden tricks.

This guide has 20 sneaky ways to save on fares, including how to split tickets (you can use our free app), beat booking fees, find hidden promotions and much more.


01.Check early, specifically 12 weeks early

Most people know if you book early, you can get cheaper train tickets, yet often these disappear quicker than empty seats on a commuter journey. So to ensure a bargain, the key moment to start looking is about 12 weeks before.

This is because, contractually, Network Rail must have the timetable set 12 weeks in advance. So train operators commonly, though not always, release cheap advance tickets shortly after. It's sometimes not dead on 12 weeks though, often more like 10 or 11. To help, National Rail has a future travel chart, showing the latest date you can buy advance tickets for each train firm.

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).

02.Book early, late

Most people know advance train tickets are much cheaper, but many don't realise you can often buy advance tickets the night before, or occasionally even on the way to the station. So the golden rule is:

Always check if advance tickets are still available the night before - some people have even got lucky on the way to the station.

As proof of this, during one of Martin's TV programmes he was challenged to save a businessman who travelled to work by train most days as much money as possible. He usually only found out his destination the day before, so booked at the station each morning.

At 5pm, Martin got him to call for a London-Sheffield train for the next morning. He'd have paid £147 on the day, but the night before, £64 advance tickets were still around.

While some advance tickets are only available up to 6pm the day before, most train companies sell them until midnight and sometimes even later.

03.Spend over £90/year? Consider a railcard

RailcardsRailcards can cut a third off the bill. You can buy them on the Railcard site and most are £30 per year or £70 for three (works out at £23.30/year). So spend more than £90 a year, even on just one trip, and it's cheaper.

Check our Cheap Train Deals page for hot offers, which often include discounts on railcards, such as £10 off.

Don't assume every journey's eligible for a railcard discount. Always check first, especially if travelling at peak times. Here are the main cards:

Young Persons Railcard

The £30 16-25 Railcard is for under-26s or full-time students of any age.

Buy a three-year card the day before your 24th

The National Rail rules state that you can buy a one-year card until the day before your 26th birthday and a three-year card until the day before your 24th.

Three-year cards work out cheaper, so if your 24th birthday's coming up, buy one just before. Railcard prices can go up, so as long as you buy before that date, you lock in the price. Sadly, mature students can't buy three-year cards though.

Family Railcard

The Family & Friends Railcard is a must if you've got kids and travel by train. It's £30 and gets you and up to three more grown-ups a third off travel for a year if there's at least one child. Little ones get 60% off (maximum four).

The Two Together Railcard is useful if you travel a lot with one other person. You'll both need to be aged 16 or over and the card gives you a third off standard and first class anytime, off-peak and advanced fares. You'll only get the discount when travelling with the other named person on the card and it costs £30 for the year.

Senior Railcard

The Senior Railcard is for over-60s and cuts one third off your journey costs. Some local councils give discounts on the £30 cost of this card, so it's worth checking with yours first. Use Gov.uk's local council finder.

Disabled Railcard

The Disabled Persons Railcard costs £20 for one year or £54 for three years. It cuts a third off your ticket and an adult companion’s. Your companion doesn’t need to be a carer.

You may qualify if you receive disability-related benefits, have epilepsy, or are registered as deaf or visually impaired. See a full list of who qualifies.

Network Railcard

The £30 Network Railcard for southern England gives a third off most rail fares for journeys in the Network Railcard area. Up to three adults can travel with you and get the discount, and up to four children (five to 15 years) save 60%.

Have a season ticket for London or south-east England? Free Gold Card

If you hold an annual season ticket in London or south-east England, or an annual Travelcard from Transport for London, you can get similar discounts under the Gold Card scheme, so you don't need to buy a railcard. If you've got an annual ticket on an Oyster card, ask a London Underground ticket office to check the Gold Card discounts have been loaded onto your card.

04. Regular travellers, grab a season ticket

Regular rail users and commuters should always consider annual season tickets. National Rail's season ticket calculator is a nifty little tool to help you work out the cost.

The same routes often have multiple season ticket options. Check them all, as it can make a real difference. A standard 12-month Bristol to London season ticket is £10,744. Yet if you restrict your travel to the Warminster and Salisbury route, it's £7,548.

Getting a season ticket on a heavy commuter route? Check if there are any split ticket options. It can be possible to save with two season tickets covering different journey legs.

Don't forget, if you've an annual season ticket inside the Network Railcard area, you get under-utilised extra perks through the Gold Card scheme.

05.Singles can beat returns

Searching for train ticketsReturns should be better value but often aren’t. Lots of top deals are only available on one-way fares. It's very common that cheaper fares are available for two single tickets but not the return, so always check.

The web makes finding them easy. If you're booking via RedSpottedHanky* or a similar site, you'll be shown both single and return fares.

Save £266 on a London to Manchester return
As an example, a search for a seat on a London to Manchester train, coming back the next day, brought up a standard anytime return ticket costing a whopping £321. A quick check instantly found that for the same journey, an outbound advance single ticket was £19, while coming back, a Manchester-London advance single cost £35.50 - a total of £54.50 for the journey.

06.Watch Martin's video guide to slashing train costs

To really push it to the max, watch this top cheap train tips video from Martin.

Video explanation to go with guide on http://www.moneysavingexpert.com/travel/cheap-train-tickets

Courtesy of Martin's It Pays To Watch, Channel 5. September 2008.

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07. Split your tickets, not your journey

Used train ticketsThis is the big trick everyone should know. Instead of buying tickets for the whole journey, bizarrely, buying tickets for its constituent parts separately can slash the price – even though you're travelling on exactly the same train.

It's perfectly allowed within the National Rail Conditions of Carriage. The only rule is that the train must call at the stations you buy tickets for.

Save £219 on a London-Durham return
To show how this works, we unearthed this cracking example. For a London to Durham return, the cheapest ticket was an anytime return at £301. Yet the train stopped at York, so instead we found four singles:

Split Ticketing

The total cost for those tickets was just £82, a saving of £219. Just to clear it up…

It's the same train at the same time, the difference is you've four tickets covering the journey rather than one.

Read a full step-by-step guide to finding split tickets.

Watch out if you need to change trains

In the rare event that you book specific tickets, your split ticket stop coincides with the station where you change trains, and your first train runs late, then your second ticket might not be valid for the next leg of the journey.

For example, if you travel from Aford to Cshire via Btown and split your tickets at Btown, but you need to change trains at Btown, then if the Ashire to Btown train is late, your ticket may not be valid for the later Btown to Cshire train.

Finally, off-peak and super off-peak tickets require you to travel at specific times of day. If you split your tickets at a station where you change, and the delay takes you outside the off-peak time, you may have to pay again to travel during this time.

08. Free TicketySplit tool & app to find split tickets

While split ticketing gives massive savings on scores of routes, the problem's always been finding when it works. Now our split ticket tool and apps uncover hidden ticket combinations to cut the cost.

  • Revolutionary new split ticket desktop tool. Just go to our new TicketySplit tool, tell it your journey, and it'll tell you where to split and the saving. This unique tool splits advance tickets as well as on-the-day tickets - often where the supersonic savings are.
  • Mobile app for on-the-day tickets. Alternatively, download the TicketySplit Lite iPhone app or bookmark the TicketySplit mobile site. The mobile apps don't cover advances, only 'today' tickets. Always check advance prices too, as often they’re cheaper. (On iPhones, a glitch means it might not work the first time you search - if this happens, just try again.)

Please feed back on the tool
Please add your feedback and successes to the TicketySplit forum discussion. If you spot any glitches, please email splitticket@moneysavingexpert.com, letting us know which mobile phone you're using.

Anything to watch out for?
As with all split ticketing, the train MUST call at all the stations you buy tickets to and from. Beware split-ticketing at stations where you change trains: if your service is delayed and you've a time-specific ticket, you may need to pay extra. See a full warning.

Quick questions

How do I buy split tickets?

Can you save by splitting a ticket more than once?

Can you split return tickets?

What if I'm delayed on the journey?

How does the tool make money?

09. Use the top UK train booking sites

There are seven main sites for searching out cheap train tickets. Bizarrely, they sometimes list different tickets, so for a belt 'n' braces check on a big fare, try a few.

The main UK-wide booking sites
Booking fee Credit card fee Debit card fee Free ticket postage Advantages
RedSpottedHanky* No No No Yes
Tesco points stashers can double their vouchers' value on RedSpottedHanky tickets.
Read more.
Takethetrain.co.uk No No No No
Devoted train nerds on our forum rate this site, which clearly highlights the cheapest fares when you search.
East Coast No No No No
East Coast sells all train companies' tickets. Postage is free if a station has no ticket collection machine.
TheTrainline* £1.50 per transaction
(£1 on mobile app)
2% of transaction No Yes
If you’re flexible, bash in your destination on its Best Fare Finder and it’ll hunt for the cheapest days and travel times.
Raileasy* £1 on tickets over £10, £2 under £10 4.5% 75p No
Sometimes highlights hard-to-spot deals, eg, when first class is cheaper than standard.
Train operators' own sites N/A N/A N/A N/A
Check the relevant train firm's own site, as they often give discounts. For example, buy advance tickets for a First Great Western route on its own site, and you get 10% off.
National Rail N/A N/A N/A N/A
It doesn't sell tickets, but it lists fares and has great depth of search. It links to train operators, most of which are fee-free.

10. Double Tesco vouchers' value on rail fares

Spend Tesco Clubcard vouchers on goods in its Tesco Clubcard Partners* list and their value’s up to quadrupled, so a £10 voucher becomes up to £40.

Use Tesco Clubcard for rail faresOne of the deals featured is with train ticket shop RedSpottedHanky*. Swap a £10 voucher and it’s worth £20. It includes cheap advance fares, you can use your railcard, there are no booking fees and postage is free.

In our check, prices were similar to elsewhere, so this is a decent saving. To book, go to Tesco Partners*. The minimum order is £5 (for a £10 rail voucher) and vouchers are valid for six months.

Before doubling on RedSpottedHanky, check Tesco's Clubcard Partner list, as you may be able to quadruple vouchers' value elsewhere. See our Top 10 Tesco Partner Rewards.

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11. Only pay peak for the bit that is

Train peak times are usually before 10am and between 4pm and 7pm. Yet if a long train journey's during peak time, even if a portion of it's outside peak time and you return outside peak time, you still pay peak ticket price for the whole return journey.

By following split ticketing based on time as well as distance, you can ensure you're only paying peak prices for the portion of the journey that's actually in the peak hours.

How much you can save… £76 on a London to Manchester peak train return
As an example, on testing a London to Manchester return journey leaving at 8.30am and returning at 6.30pm we found a standard return fare for £150. By splitting the ticket, at Milton Keynes on the way out and Stoke-on-Trent on the return journey, it knocks off £76 to the total fare. This is because for the part of the train journey from Milton Keynes to Manchester, and Stoke-on-Trent to London the ticket is classed as off-peak and therefore it's cheaper.

12. Grab £1 Megatrain fares

A bit like a pound shop for train tickets, Megatrain flogs hundreds of singles from £1 for routes across England and Scotland, plus a 50p booking fee.

Wondering why there's a Megabus logo at the top of the Megatrain site? Its booking system's the same as Megabus coach tickets, probably because it hopes £1 train tickets will draw people in. Pick travelling by train in the dropdown, and it won't show bus fares.

Fares from a quid include Carlisle to Birmingham, Southampton to London, Bath to London and Glasgow to Preston.

Click to see ful map of Megatrain routesDon't worry, it's not a cheap 'n' cheerful train. The site is run by Stagecoach, which runs South West Trains and East Midlands Trains and is a partner in Virgin Trains.

You're on the same service as everyone else, so for London to Birmingham it's Virgin.

What routes are included?
Megatrain covers more than 100 journeys in England and Scotland.

There's no map or destinations list on Megatrain's site, but it's kindly allowed us to update an old map with all the latest routes and reproduce it here (see right, or check our list of all Megatrain routes).

When can you get them?
While normal cheap advance tickets are released 10-12 weeks in advance, Megatrain only releases tickets 45 days before – handy for those booking later.

These are 'spare capacity' tickets, so there are more for less-popular times. Once the £1 tickets have gone, there are still uber-cheap fares, eg, £3, £5, £7. Popular routes sell like hot cakes, so make a note in your diary to grab the date you want.

Another crafty trick is to combine Megatrain fares with split ticketing. If Megatrain covers part of your journey, grab a Megatrain ticket for one leg of your journey and a cheap advance for the rest.

13. Grab ultra-cheap train deals

There are more promotional train fares available than people realise. For the ultra-cheap deals, you have to know where to look and be flexible.

We've a regularly updated list of super-cheap train promos, vouchers and codes - see the Cheap Train & Coach Deals list.

Also check National Rail's local promotions index. Offers change all the time and include everything from Kids for a Quid with Southeastern to first-class upgrades for mums-to-be with Greater Anglia.

14. Get 3% cashback on all train tickets

Cashback credit cards pay you back each time you spend on the card. They are a great way to shave down the cost of transport, especially as some now offer boosted cashback, but ALWAYS...

Set up a direct debit to repay the card in full each month, so you never pay interest, which would outstrip any gain.

The reason card companies offer cashback or reward schemes is simple. They want to encourage you to spend on the card and pay them interest. The interest cost of all cashback cards dwarfs the cashback you'll earn. For full details on what to consider before applying, see Top Cashback Cards.

Each time you apply for one of these cards, you'll be credit-checked by the lenders. Multiple applications in a short period can affect your future ability to get credit. Read full details in the Credit Rating guide.

The easy way to pay off in full

It's easy to do this via a direct debit, which allows the card company to take a variable monthly amount to correspond with what you owe it. Sadly some providers deliberately omit the 'pay off in full' option from direct debit forms, as it makes them less money. If it's missing from your form, just write in "pay off in full" yourself. They should honour it, but call up after a week or so and check it's worked.

Currently, only one credit card pays a boosted rate of cashback for train tickets. But check out the top overall picks in the Top Cashback Cards guide - as they may be suitable if you spend big in other areas.

Santander Logo

Santander 123 Cashback*3% cashback with National Rail and TfL

  • Cashback: 3% on petrol/transport (max £9/mth), 2% in dept stores, 1% in supermarkets, NONE elsewhere
  • Paid out: Monthly
  • Max cashback/year: £9/mth on petrol/transport
  • Annual fee: £24/year | Min spend: N/A | Card issuer: Mastercard
  • Rate: 22.8% representative APR (incl fee). 18.9% rep. APR on spending (see Official APR Example)
  • Min income: £7,500

The Santander 123* credit card pays three cashback rates: 3% on public transport and petrol (up to £300/mth spend), 2% in department stores & 1% in supermarkets. Yet it has an annoying £24 annual fee, so to take full advantage you must drive or use public transport a lot, otherwise different cards beat it.

If you spend big on travel, this should wipe out the annual fee quite easily, but it still eats up the gain. Ensure you repay in full every month to avoid the 18.9% representative APR on spending.

One downside is that any spending outside the categories below gets NO cashback (as does fuel and transport spending over £300/month). Here are some retailers which qualify for the various cashback. Not all branches are eligible, so check your local retailers:

  • Transport and fuel: 3%. Includes National Rail and Transport for London (excludes newsagent top-ups). Plus fuel from BP, Shell, Esso, Texaco, Tesco, Asda, Morrisons and Sainsbury's.
  • Department stores: 2%. Includes Debenhams, House of Fraser, John Lewis, BHS.
  • Supermarkets: 1%. Includes Tesco, Asda, Sainsbury's, Morrisons, Waitrose, M&S.

Open Santander's best buy account and the card fee’s dropped
The fee on this card is refunded for the first year if you also open the Santander* 123 current account. See the Best Bank Accounts guide for full details.

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15.Know your train refund rights

Sadly, you can't get any money back if the delay is less than half an hour. If it's longer, every operator has different rules. Here's a general idea of what you can claim:

  • You may be entitled to compensation if... the delay or cancellation is the fault of the train operator. Examples include train or signal failures.
  • You are not entitled to compensation if... the problem is out of the control of the train operator. This includes strikes, pre-planned maintenance work and bad weather. However, in practice, some firms may still pay out so it's worth claiming. For more details see: Train Delays.

Quick questions

What are your rights if a train's cancelled?

What are my rights if a train's delayed?

Can I get a refund for London Tube delays?

16. Cut National Rail Enquiries call costs

If you need to dial National Rail Enquiries, the official number is 0845 748 49 50. To call numbers starting in 0845 it can cost up to 10p/min with some providers.

To call for less, dial 0121 634 2040, press '1' three times and you get to the same place. This will cost a lot less as it's an '01' number. See our full Say No To 0870 guide for more.

17. Earn free Eurostar tickets with Avios

Avios is a points scheme like Nectar and Clubcard. You can pick up points at Shell and Tesco, and by spending on credit cards.

Swap Avios points for Eurostar return tickets and you don't pay taxes or charges, making it excellent value. A Paris return can cost 9,000 Avios points, depending on availability. For 30 ways to push Avios to the max, see our Avios Points Boosting guide.

18.Scythe down the cost of hotels

Never assume hotel or hostel prices are fixed. Book right and massive savings are possible on UK and worldwide rooms. Our Cheap Hotels guide shows you how to save £100s with top hotel comparison sites, cheap yet clean hostels and more.

The Top Secret Hotels section at Lastminute.com* has bargains on up to five-star hotels in London and around the world where you only know the description and star rating before you pay. This means rock-bottom prices for classy establishments. See Secret Hotels for how.

Travel overnight to save on hotels

Sleeper trains sound like something from days gone by, yet travel overnight and you save on accommodation. If you're planning a trip between London and Scotland, check ScotRail's Bargain Berths section, where Caledonian Sleeper single fares start at £19.

19.Get free first class in the dining car

Some longer journeys still have first class dining cars as well as the standard buffet. These are often open to all diners, whatever class their ticket is. So go in and order a meal. While it's more expensive, you'll effectively travel in first class luxury at second class price - and get some grub thrown in.

They do have the right to kick you back to where you belong - standard class - once you've finished eating, but it rarely happens.

20. Warning! Travelling short: cheap but banned

Cheap advance fares are often scarce on more popular routes, especially commuter ones. This means it's sometimes possible to buy a ticket for a longer journey that incorporates your route at a cheaper price and make some serious savings.

A popular one, for example, was Chester to London. Peak time cheap train tickets weren't usually available, but for some journeys starting in north Wales, going via Chester, they were. This means that absurdly, it was actually substantially cheaper to travel further.

Many people still do this on lots of different routes and it's known as travelling 'short'. Sadly, it's a no-go as it's against advance tickets' conditions, and you can get fined.

Most other non-advance tickets allow you to get off early or break your journey - check the ticket’s conditions or ask at the station.

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