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The Martin Lewis Podcast

BBC Radio 5 Live·Hosted by Martin Lewis·201 episodes

BusinessUK money adviceListener questionsConsumer rightsTopical finance30-65 minBBC

Martin Lewis answers your financial questions, offering valuable money-saving tips.

Why listen

The Martin Lewis Podcast turns UK personal finance into practical, plain-English advice you can use right away. Martin Lewis mixes topical money updates, listener questions, consumer-rights fixes, and recurring segments like Money Mastermind, so each episode feels part advice clinic and part weekly financial MOT. It is especially useful for UK listeners trying to cut bills, understand savings and pensions, challenge companies, or keep up with fast-changing money rules.

Episodes

32 min
Jun 1, 2026
Question Time: Cancel old credit cards? Martin: What 3 laws would you introduce? Pay v pensions?

In this episode of The Martin Lewis Question Time Podcast, Martin takes on your consumer rights questions including to cancel or not to cancel old credit cards, higher paycheck or higher pension contributions, and if Martin were King for a day, what three laws would he introduce?There's a question about the rules when it comes to paying tax on benefit payments, Martin explains the rules and regulations.With so many competing credit card providers, Martin takes a question on how's best to balance closing old cards with maintaining your credit score, and how to hope between different cards unscathed.There's a question asked about a showdown between an impressively high pension contribution versus a potentially massive increase in pay. Martin explains the pros and cons of each. There’s also a feel‑good moment, with a success story from a listener who successfully used Gift Aid on their charitable donations, and Martin delivers a little refresher on Gift Aid for those who want to use it to the fullest.Plus, Martin considers an alternate universe where he is in charge of Britain, and thinks of three laws he would enact for the good of the consumer.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

59 min
May 21, 2026
Big Energy Bill Hikes Coming: Should You Fix Now, Even If You’re Already Fixed?

Martin Lewis brings you everything you need to know about your future energy bills. Martin offers a live reaction to the Chancellor Rachel Reeves’ statement in the Commons on the cost of living. Tell Us this week is all about what’s the most bizarre way you’ve secured a discount? Fancy dress, sublime banter, a secret code phrase? And Mastermind this week is about defaulting on your credit file. Can Adrian earn the elusive hallelujahs? His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

38 min
May 18, 2026
Question Time: Beginner investor: explain the risk? Faulty kitchen: getting money back? Self-employed: how to start a pension?

In this episode of The Martin Lewis Question Time Podcast, Martin tackles a packed agenda of your real-life money dilemmas, bringing practical advice to your most pressing financial questions.For those new to investing, there’s a question from a beginner worried about risk. Martin unpacks what “risk” really means, how to assess your tolerance, and why understanding volatility is key before putting your money into the markets. Martin explains pension options for the self-employed - a crucial topic for anyone without automatic workplace contributions. Martin breaks down the key choices, from personal pensions to SIPPs, explains how to get started and how to make your money work harder for your future.A listener asks what rights they have when a kitchen starts to fail five years after installation. Martin explains consumer protection laws, including how long goods should reasonably last and how to challenge retailers or manufacturers when things go wrong well beyond the guarantee period, going through his SAD FART acronym so you can easily remember your statutory rights under the UK Consumer Rights Act.There’s also a feel‑good moment, with a success story from a listener who successfully claimed on their travel insurance - highlighting the importance of knowing how to navigate the claims process.Plus, Martin reflects on his own biggest money‑saving faux pas, listen to find out if he is on the Energy Price Cap.And, England fast bowler Mark Wood steps up to become the first cricket World Cup winner to also be awarded an ESQ.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 1 min
May 14, 2026
Council Tax Cost Cutting Special: 5 ways to try to cut your bill & possibly get £1,000s back

Martin Lewis dives into council tax. Are you overpaying? Martin breaks down practical, often overlooked ways you could cut your bill—potentially saving hundreds each year. From checking your property band to claiming discounts for single occupancy, students, or disabilities.We also explore what to do if you think your property has been incorrectly assessed—plus the potential risks of challenging your banding. With real-life success stories and clear step-by-step guidance, you’ll find out how to navigate the system and make sure you're not paying more than you need to.Plus, this week’s “Tell Us”— We’re asking: What’s the biggest money secret you’ve ever kept? When was it? Who did you keep it from—and why? We hear your candid, surprising, and sometimes emotional stories.In our regular Mastermind feature, Adrian tackles a question from Martin on Lifetime ISAs (LISAs).And Martin brings you the latest Premium Bonds update—including current prize rates, odds of winning, and whether they still stack up compared to savings accounts in today’s climate.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

30 min
May 11, 2026
What’s the best way to stooze (pervert 0% cards to make money)? | Top savings for 17yr-old | Will I lose Child Benefit?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: an explainer on what the best way is to stooze - in other words, how to I get money from a 0% credit card to save it and maximise the gain.Martin answers a question about the best saving account options for a 17yr old.A caller asks if they will lose Child Benefit if they only earn over the limit for some of the year.Discover the advice Martin gives a parent who is nervous of giving their 18 year old a credit card for a first trip abroad. He also explains what alternatives are around.And finally, make sure you listen to the end to find out who, in the week of Martin’s birthday, we get as a surprise special guest last caller…If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 1 min
May 7, 2026
Energy firms sitting on £3bn of our credit – how to get it back | Cheapest way to spend abroad

Martin Lewis brings you everything you need to know about the energy direct debit cycle. Explaining why this is perfect time of year to check your direct debits, how much you should be in credit or debt with your energy provider and what do you do if you’re too much in credit.Martin explains the cheapest ways to spend abroad and why you should be thinking about it now. A lovely Tell Us which looks at when your children have impressed you with their financial knowledge.And Mastermind this week is all about your rights if you buy a faulty item.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

30 min
May 4, 2026
Question Time: Where do I put house sale money? Consumer rights wrong righted! How to talk to my partner about money?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I switch my energy fix to a new provider during the 14-day cooling off period? Where should I keep a big lump sum I’ve got from my house sale? I’ve had a financial lightbulb moment, but my partner can’t see it, how should I talk to them about it? Plus, after a question about a retailer that was displaying the wrong returns info online, we’ve turned a consumer rights wrong into a success! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his signature dance move, which number he has his toaster set to, or have a very complicated question about your finances, email it to [email protected].

47 min
Apr 30, 2026
Can you make £500 switching bank?

Martin Lewis brings you everything you need to know about bank account switching, including which banks are willing to pay you money to do so.Martin also takes you through the need-to-knows about Pension Credits, whether you can claim them and how to claim. The Mastermind question this week is also on pensions.And there is also a huge win from our Question Time podcast. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

35 min
Apr 27, 2026
Question Time: I got £5k back after calling the pod! Can I move a loan to a 0% card? Claim car finance comp for dead relative?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I shift a £15,000 loan to a 0% credit card to cut costs? How do I find any car finance agreements my deceased father had so we can reclaim them for my step-mum? Can I trick the bank into thinking I’m a higher earner to get £500 for free? We have a huge success, where one call to this podcast got our caller £5,000 back! Plus, we reveal what we’re going to call you if you ask a question or come on the podcast. What is it? You’ll have to listen to find out, of course! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his ideal bathwater temperature, the highest note he can sing, or have a very complicated question about your finances, email it to [email protected].

1 hr 4 min
Apr 23, 2026
The big mistake many make when saving or investing for their children…

Martin Lewis brings you everything you need to know about saving or investing for your children’s future, including: Junior ISAs, children’s savings, regular savings - and reveals the biggest mistake most parents make, so you don’t do the same! Plus, there’s car finance compensation news, as a claims law firm has announced it will take the regulator to court to try and increase consumer payments, but could it slow things down? You tell us the cheapest thing you've ever taken back to a shop to complain about, and Mastermind is all about which credit product has the most interest attached to it, you might be surprised by the answer! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his favourite Morse code letter, how long he can hold his breath underwater, or have a very complicated question about your finances, email it to [email protected].

48 min
Apr 20, 2026
Question Time: Keep saving hard, or spend more on my family? £30,000 stoozing success! Top up missing NI years?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can I claim car finance mis-selling if I had an interest-free deal? Should I continue to save hard, overpay my mortgage and invest, or spend a bit more enjoying life with my young family? What do I do if my LISA bonus comes in after I’ve bought my first house? Do I need to top up missing National Insurance years at 36? We also have a brilliant success story from a couple of stoozers who’ve managed to build a £30,000 stooze pot, plus, you get to decide what we call you if you ask Martin a question on the podcast – but to find out how, you’re going to have to listen to the show! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite ice cream flavour, if he’s ever pondered the meaning of life, or have a very complicated question about your personal finances, email it to [email protected].

55 min
Apr 16, 2026
Energy fixes are back! | Best ISAs for 2026/7 | Council Tax Change

Energy bills are in the news and this may be a crucial moment. In this podcast Martin explains the Energy Price Cap, and the firms offering fixes cheaper than the Price Cap.It’s a new tax year, and that means all UK adults have a new £20,000 tax-free ISA allowance to use. Martin runs through your options of where to put your money.Martin explains why a change on council tax debt collection which will mean vulnerable people will have more time and support to settle their outstanding council tax bills has put him in a good mood.Listeners Tell Us about financial mistakes that turned out to be a good move.And will Adrian get this week’s Money Mastermind? This week the question is about savings interest.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

20 min
Mar 30, 2026
URGENT MINI POD: Car finance mis-selling confirmed: Will you get your money back?

In a special, urgent edition of the podcast, Martin explains what you need to know right now - as the financial regulator sets out its redress scheme for millions of motorists who were mis-sold finance deals.The scheme will apply to more than 12 million deals - and will cost lenders 9.1 BILLION pounds.So - who is included? Should you put in a complaint now? What vehicles are eligible? How do I know if it was mis-sold? Martin answers all those questions - and more.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

38 min
Mar 30, 2026
Question Time: 5 year old TV’s faulty, can I get a refund? Your caller helped me sort my debt! When shouldn't I pay IN FULL?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: if my holiday’s cancelled due to the Middle East conflict, can I get a refund on the travel insurance? Vodafone promised me a 50% discount but now they’re chipping away at it, what can I do? When is paying off a credit card IN FULL not worth it? My high-end TV is faulty after 5 years, am I due any money back? Plus, a wonderful success from Carly, who was inspired by a podcast caller to finally seek the debt help she needs.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite yoga position, if he’s mastered pottery, or have a very complicated question about your personal finances, email it to [email protected].

50 min
Mar 26, 2026
Lifetime ISA, is the free £1,000/yr still worth it? | Your insider MoneySaving tips

The big topic in this pod is Lifetime ISAs, LISAs give up to £1,000 a year bonus for first time buyers, but there are pitfalls to watch too. With the ISA year about to end, Martin Lewis runs through how they work and how best to use them in detail.Martin also explains the LISA's predecessor the Help to Buy ISA and which is best. He also goes through the best options currently on the market.Plus why are vulnerable people made to declare their issues to firm after firm, isn’t it time we stopped that?This week’s Tell Us is about insider tips you learned from your work that can help others, we’ve brilliant ones from doctors, techies, accountants, electric installers, supermarket, hospitality workers and more.And this week’s Mastermind is all about pensions.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

41 min
Mar 23, 2026
Question Time: Am I due car finance payback? 9-year-old learns about interest! If my bank overpays me, can I keep it?

In our Question Time podcast, Martin Lewis answers your questions including: is my car finance agreement covered by the mis-selling redress scheme? Can my partner and I couple up to maximise cashback offers? I’ve told Monzo its overpaid me but it’s done nothing, can I keep the money? What can I do about a retailer that displays the wrong returns info online? Plus, we have a lovely success story involving a 9-year-old who’s doing jobs for her parents for pocket money! If you want to ask Martin a question, his Question Time podcast lets you do just that! You can ask him questions about absolutely anything and everything (within reason!) – so if you’ve always wanted to know which chocolate he prefers, how many sudokus he can solve in a day, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 4 min
Mar 19, 2026
Isa Isa Baby! Everything you need to know before the end of the tax year

In this podcast Martin explains everything you’ve ever wanted to know about ISAs but were afraid to ask. Cash ISAs, shares ISAs, how to transfer, how much you can put in, best buys for cash, and top picks for investments.Chartered Financial Planner Ed Marshall also joins Martin to help with stocks and shares ISAs.There is an update on the potential energy bills crisis brought on by the conflict in the middle east.The Tell Us is asking about the best £1 you’ve ever spent.And there’s Money Mastermind, this question is all about savings interest.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

28 min
Mar 16, 2026
Question Time: Should I overpay my mortgage? If I sign up online, why can’t I cancel online? Can I open an ISA for my niece?

In our Question Time podcast, Martin Lewis answers your questions including: which travel insurance policy do I make a claim to? When you say ‘pay off all debts’ does that include your mortgage? Can I open an ISA for my niece or nephew? Why is cancelling a subscription so hard? Plus, how your height impacts your step count, and what should we call you if you ask us a question? And we have a success story following Martin’s answer to a question on broadband.If you want to ask Martin a question, his Question Time podcast lets you do just that! You can ask him questions about absolutely anything and everything (within reason!) – so if you’ve always wanted to know which tree he likes best, how many burpees he can do in a minute, or have a very complicated question about your personal finances, email it to [email protected].

50 min
Mar 12, 2026
Car finance Mis-selling: what you need do | Top joint bank accounts | Economic Abuse the signs

In this week’s podcast Martin Lewis gives an update on the car finance mis-selling story. He questions such as: ‘what counts as mis-selling?’ ‘How do you know if you were mis-sold?’ ‘How much will be paid out?’ ‘How can you find old agreements?’, ‘What if you’ve complained and not contacted?’ And so much more.We also look at couples’ finances – in Tell Us this week we talk through how you and your partner work on your money together. Martin runs through the top joint accounts and the rules on joint accounts if something goes wrong. Plus how joint accounts can be misused as a form of domestic abuse… he talks to the charity Surviving Economic Abuse about that.Plus news on stamp prices, mortgages, student finance and Martin’s reaction to the news that some customers using Bank of Scotland, Lloyds and Halifax apps have been able to see other users' transactions on their accounts.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

33 min
Mar 9, 2026
Question Time: Can I back-claim Child Benefit? Change broadband before April? Why does my 7% regular saver only pay 4%?

It's a geek edition of our Question Time podcast! This week Martin Lewis gives you answers on your questions asking him anything and everything, including: should I wait until April to change my broadband to avoid the price hikes? Can I back-claim child benefit, now I know I’m eligible? Why did my 7% regular saver pay me half of that in interest? If I have to buy credits to purchase a game, can I get a cash refund if it’s faulty? I have a disability, so I need others to drive me in my car, how do I get insurance? Plus, does Martin find the ‘Dead Ringers’ impression of him funny? You’ll have to listen to find out!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got hay fever, which galaxy is his favourite, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 5 min
Mar 5, 2026
Inheritance tax masterclass: how much is due & smart ways to reduce it! Energy price spike – what it really means

The big topic for Martin this week is inheritance tax, he explains how inheritance tax works and goes through all the practicals on how much you can leave before its taxed.... Why marriage is the biggest way to reduce inheritance tax... The change that means pensions will soon have inheritance tax on them... all the gift rules you can utilise and far more.The podcast features key updates on car finance mis-selling, and what the spike in energy prices due to the conflict in the middle east really means for what you’ll pay.And then of course there’s Mastermind, if a shop misprices an item, can you force them to sell it to you at that amount? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

29 min
Mar 2, 2026
Question Time: Homeless to Homeowner- what next? Debt making me ill.. help! Save, or pay on 0% card? Close old accounts?

Martin Lewis gives his advice on what to do if you are overwhelmed by debt. He answers a question from someone facing debt problems which are having a very serious impact on their mental health. We hear a beautiful tale of moving from homeless to homeowner – and Martin explains what to do next after you have bought a house. Martin answers a question from a listener who to know if they should use Buy Now Pay Later, a 0% Purchase Card or just save up.Plus, find out what to do if you have a current accounts you don’t use.Plus Martin shares his remarkable hole-in-one golfing record.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

52 min
Feb 26, 2026
ALL energy bills to fall | Plan 2 student loans | Retirement tips

The main topic this week is all about your energy bills. It’s the biggest shakeup to energy bills for a few years. All bills are coming down on 1 April, not just the price cap, fixes & others too. So whether you’re on prepay, direct debit, with an EV or more then Martin explains how you make the most of itMartin also explains Plan 2 student loans, there’s talk the government may be about to change policy, so what are the options and how does it work.The Tell us this week is about what you learnt when you retired that you would now tell others in advance.And this week’s Mastermind is all on inheritance tax, we’ve buried a few important tips in there on it too.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

36 min
Feb 16, 2026
Question Time: Is my energy bill wrong? Do credit cards repay 0% debt first? Is your AI investment a scam?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why is my energy bill so high, and how do I check if it’s right? If I’ve got 0% debt and normal debt on a credit card, which do they clear first? I’ve just seen you advertising ‘Quantum AI’ with a guaranteed £25,000 return! Is it true? (Spoiler: no, it’s a scam). If you’ve earned cashback, but returned the product, what happens? Can you tell me the best account for under 11s? Plus, beam me up, Martin, what’s your favourite sci-fi?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite flower, if he’s a proper romantic, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 2 min
Feb 12, 2026
Free money, £100s free insurance and more - all from switching bank accounts!

Martin on switching your bank account and which banks are willing to pay you money to do so. He also explains package bank accounts where you pay a monthly fee and can get things like travel insurance, mobile cover and breakdown cover included. Right now you can get nearly a year of that for free too.He explains changes to energy standing charges.... and the new broadband and mobile telecom charter, which was signed yesterday. Martin gives his view on whether it's any good and whether it will it stop price hikes.The Tell Us is all about work-life balance and there are lots of tips for you about home insurance in this week's Mastermind.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

31 min
Feb 9, 2026
Question Time: How to escape a joint account? When not to claim child benefit? Who is Martin’s successor?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I escape a joint account? If I cancel a Direct Debit, do I have to tell the company? When isn’t it worth claiming child benefit? Where do I put the money from my house sale? And, who’s going to take over from Martin when he retires?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite musical, if he’s any good at building flat-pack furniture, or have a very complicated question about your personal finances, email it to [email protected].

1 hr
Feb 5, 2026
Should you overpay your mortgage or save – and how to make it work? And no ‘no standing charges’ tariffs

Martin Lewis on whether you should use savings to overpay your mortgage - factoring in your emergency fund, your rates, and whether overpayments come with penalties. Martin gives his reaction to the Bank of England announcing just before we recorded that interest rates have remained unchanged at 3.75%. We look at what has happened to Ofgem's no standing charges tariff options promise.This week’s Tell Us is what money rule do you follow now that you once thought pointless or over the top, and we’re joined by a special guest for that at the end of the pod.Martin explains why he has written a letter urging the Scottish Government to improve their Power of Attorney system.And Money Mastermind is on travel rights, but this week, Martin didn’t write the question!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what colour his eyes are, what he's planning to do in his eventual retirement, or have a very complicated question about your personal finances, email it to [email protected].

31 min
Feb 2, 2026
Question Time: Best kids’ savings or investments? Pension at 50? Which mortgage to overpay? Snakes, or an angry gorilla?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: why do I pay interest even if I pay off my credit cards in full? Where’s the best place to save and invest for my young children who have pension income from my late husband? I’ve got two mortgages on my house, which should I overpay? What’s the best place for me to start a new pension aged 50? Plus, would Martin rather be locked in an empty shopping centre for 24 hours with 1000 snakes, or one angry gorilla? Listen to find out!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s got a favourite marsupial, how many miles he could walk backwards, or have a very complicated question about your personal finances, email it to [email protected].

26 min
Jan 30, 2026
Plan 2 Student Loans Pod Extra: Stop the repayment freeze – and should you overpay?

Bonus Podcast - Martin Lewis gives his advice for people on a Plan 2 Student Loan. With the Government freezing the repayment threshold he explains if you should overpay now (spoiler: for some yes, many no). The pod features Martin speaking to Victoria Derbyshire about UK Chancellor Rachel Reeves's decision to freeze the student debt repayment threshold for three years and the experience of graduates paying interest on a Plan 2 student loan.You can get in touch with the team by emailing [email protected] – make sure to send in your burning questions and any successes you’ve had following Martin’s advice!

56 min
Jan 29, 2026
New first-time buyer ISA: what happens to the LISA & Help to Buy ISA? Is AI good for consumers?

Martin Lewis explains what we know about the product set to replace the Lifetime ISA, and what could happen to your LISAs and Help to Buy ISAs. Plus, Martin asks you if you think AI is good for consumers, you tell us when you’ve felt financially burned by a firm or product provider, because you took your eye off the ball, and does Adrian finally get a Money Mastermind question right? This week’s is on Section 75 protection, and you’ll have to listen to find out!If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his best dance move, if he’s scared of snakes, or have a very complicated question about your finances, email it to [email protected].

27 min
Jan 26, 2026
Question Time: Help to Buy ISA v LISA? Sell shares each year to use Capital Gains allowance? Broken broadband compensation

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: I want to buy my first home, should I move money from my Help to Buy ISA to a LISA? Is it best to sell shares each year to use my annual capital gains tax allowance? Help! My broadband’s broken, what rights do I have to compensation? My phone contract’s been hiked, can I leave penalty free? Plus, you ask Martin his dream golf four ball.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know if he’s a still or sparkling person, his favourite suspension bridge, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 5 min
Jan 22, 2026
Life lessons for all ages! A warning if you’ve booked a holiday, and no standing charge tariffs?

Martin Lewis tells us his four life lessons he gave to graduates recently, so we asked you for yours! Plus, Martin’s annual warning if you’ve booked a holiday, an update to Ofgem’s no standing charge tariff for energy, and Mastermind is all about borrowing: does the length of a loan matter more than the interest rate? You’ll have to listen to find out! If you want to ask Martin a question, you can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his go-to dance move, if he knows the secret to parallel parking, or have a very complicated question about your finances, email it to [email protected].

35 min
Jan 19, 2026
Question Time: At last, I’m debt free - what now? Overpay my mortgage or invest? Do I need pay NI if I want to retire early?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: should I prioritise saving, investing, overpaying the mortgage, or children’s savings for our new baby? I want to retire early; do I need to pay for National Insurance to get a full state pension? Should I overpay my postgraduate loan? Robert tells us his inspiring story about finally becoming debt-free for the first time in his adult life and asks Martin what he could do with his money next. Plus, does Martin dye his hair? You’ll be surprised by his answer!If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know what time his alarm goes off, if he’s got any pets, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 11 min
Jan 15, 2026
Everything you ever wanted to know about tax but were too afraid to ask!

With the self-assessment deadline less than a fortnight away, Martin Lewis answers your questions on everything tax, with the help of two tax gurus, including: tax returns, inheritance tax, making tax digital, capital gains tax, PAYE, savings tax, and more. Plus, Mastermind this week is all about gift cards, and Martin speaks to Harriet from the Traitors. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his favourite fruit, if he can say the alphabet backwards, or have a very complicated question about your finances, email it to [email protected].

33 min
Jan 12, 2026
Question Time: Will my ex’s debt affect my credit score? Bridesmaid’s dress consumer rights? Credit card won’t give money back

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: will my ex’s debt affect my credit score? If I buy a bridesmaid’s dress for someone, does it hit my consumer rights? My credit card won’t give me money back for problem building work, what can I do? I’m a teacher, can you answer some of my students’ personal finance questions? My 0% credit card deal ends soon; do I pay it off or transfer the balance? Plus, what would Martin’s wrestler name and finishing move be? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite book, if he’s got a nickname, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 4 min
Jan 8, 2026
Debt Masterclass: Slash the cost of existing credit cards, overdrafts, loans, BNPL and more

Martin Lewis has his debt masterclass this week, helping you slash the cost of your existing credit cards, overdrafts, loans, buy now, pay later and much more! Plus, you tell us your New Year financial goals - some of you want to save more, some want to save less! Mastermind is all about capital gains tax, and how did Martin’s yearly step count competition end?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So, if you’ve always wanted to know his preferred pasta shape, if he can tie a Full Windsor knot, or have a very complicated question about your finances, email it to [email protected].

30 min
Jan 1, 2026
Christmas Special: The best of Martin’s Money Mastermind!

As it’s Christmas, Producer Matt has chosen his favourite questions Martin has challenged Adrian with on the podcast for this special Martin’s Money Mastermind episode, including questions on: returning faulty tech, gift aid, credit scores, retail gift aid, and direct debits. If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite animal, if he knows any magic tricks, or have a very complicated question about your personal finances, email it to [email protected].

29 min
Dec 25, 2025
Christmas Special: The best of Question Time!

As it’s Christmas, Producer Matt has chosen his favourite questions you’ve asked Martin in our Question Time podcast, including: Can I refuse a smart meter? Is paying by PayPal a bigger risk? Should I keep cash under my mattress? Should you invest in gold? Will my new husband need to pay for my daughter’s university? And, would Martin want to fight 1 man-sized duck, or 10 duck-sized men? You’ll have to listen to find out! If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite radio station, how many marshmallows he can fit in his mouth, or have a very complicated question about your personal finances, email it to [email protected].

27 min
Dec 22, 2025
Question Time: Council Tax £6,000 refund! £700 saved ditching O2! And a warranty schmarranty winner

In this special ‘Success Time’ edition of our Question Time podcast, this week is all about listeners who’ve saved. They tell us what they’ve done to save, and Martin explains how you can do the same! The successes this week include: a multi-bank switching success, getting a phone retailer to overturn its decision not to replace a faulty handset, and a success worth £100,000.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite film, what he carries with him wherever he goes, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 3 min
Dec 18, 2025
It’s Love Actuarially! Base interest rate cut help. And will you get £150 off energy bills?

Martin Lewis has a selection box of topics in this week’s podcast, including: the Bank of England has cut the base interest rate, what does it mean for your mortgage, savings, credit cards, and loans? It’s Love Actuarially as you tell us when you’ve received a random act of financial kindness. The government’s taking £150 off energy bills, so Martin explains how it will work – especially if you’re on a fix. Plus, Mastermind is all about representative APR, and should you open expensive Christmas presents early? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!). So if you’ve always wanted to know his favourite colour, if he can move his eyebrows independently or not, or have a very complicated question about your finances, email it to [email protected].

27 min
Dec 15, 2025
Question Time: How to deal with mounting debt? What happens to ISAs when I die? Is student loan paid before or after tax?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how do I deal with my mounting debt? Is student loan paid before or after tax (and should I set up a direct debit if I’m close to paying it off)? Can someone take over my ISA allowance when I die? Plus, we have a student loan success story, and just how does Martin manage to do 26,000 steps a day? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite seaside town, if he’d ever go to space, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 7 min
Dec 11, 2025
Everything you need to know about ISAs (Cash & Shares) - but were too afraid to ask!

Martin Lewis tells you everything you need to know about ISAs - the Cash, Stocks and Shares, Help-to-Buy, and Lifetime varieties – as well as what ISA changes in the budget means for you. Martin talks about the government consultation on replacing the Lifetime ISA and tells you if it’s still worth it. Plus, you tell us your cheap Christmas magic tips, Mastermind is all about car insurance renewal, and do you know where your stopcock is? If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite font, what his go-to coffee order is, or have a very complicated question about your finances, email it to [email protected].

33 min
Dec 8, 2025
Question Time: Can salary sacrifice cut student loan & savings tax cost? A Bridesmaid refund! And, state pension tax?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: can using salary sacrifice allow me to cut the amount of student loan and savings tax I pay? How will not paying tax if you only get the state pension work in practice? Help, I’m about to turn 50! Is there anything I should do with my finances? Plus, we have a bridesmaid dress return success story (including how Martin helped them find love), and would Martin rather do Who Wants to Be a Millionaire? or Celebrity Traitors?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite tube line, if he’s a snorer or not, or have a very complicated question about your personal finances, email it to [email protected].

1 hr 3 min
Dec 4, 2025
Are Credit Scores real or nonsense? How to make yourself more attractive to lenders

Martin Lewis goes through everything you need to know about credit scores – including if they’re actually real. He also explains how you can make yourself appear more attractive to lenders, including the most important factors they look for. Plus, what the budget means for your energy bills, you Tell Us when you finally felt financially grown up, and Mastermind is all about when a direct debit isn’t actually a direct debit.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite motorway, what his skincare routine looks like, or have a very complicated question about your finances, email it to [email protected].

30 min
Dec 1, 2025
Question Time: Time to ditch Premium Bonds? Do student loans cost more for middle earners? Credit on a low income?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how does the ISA limit actually work, is the online safety act really working, how can I get credit on a low income, is it time to ditch premium bonds, do student loans cost more for middle earners, and when does savings interest actually count for tax purposes?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite sandwich filling, how many sugars he has in his tea, or have a very complicated question about your personal finances, email it to [email protected].

27 min
Nov 26, 2025
Budget 2025: Instant reaction special!

In this special episode, Martin Lewis shares his initial reaction to Rachel Reeves' budget. He tells Matt Chorley about the measures that will have an impact on you - including Lifetime ISAs, salary sacrifice on pensions, state pension increase, student finance repayment thresholds, the two-child benefit limit, high income property surcharge, and electric vehicle surcharges.

29 min
Nov 24, 2025
Question Time: Time to stop using my LISA? Are cashback & switch bonuses taxable? Are investments protected up to £85,000?

In our Question Time podcast, Martin Lewis gives you answers on absolutely anything and everything, including: how to get hotel money back on flight cancellations, do investments have the same protection as savings if a provider goes bust, should I stop putting money in my LISA, and what’s his favourite type of music?If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite city, what he does in his spare time, or have a very complicated question about your finances, email it to [email protected].

55 min
Nov 20, 2025
Millions can now reclaim student loans! | Savings safety limit to rise | Will energy prices go up?

Martin goes through the four different reasons why many university leavers in their 20s, 30s and 40s may be able to get £100s or even £1000s of student loan money back. Plus, what’s likely to happen when the new energy price cap is announced this Friday, Martin goes over the now bigger protection for people’s savings, you tell us the cheapest item you’ve ever taken back to a store to complain about, and Martin’s Money Mastermind is all about retail gift aid.If you want to ask Martin a question, you now can! His Question Time podcast lets you ask Martin absolutely anything and everything (within reason!) – so if you’ve always wanted to know his favourite song, what he does in his spare time, or have a very complicated question about your finances, email it to [email protected].

27 min
Nov 17, 2025
Question Time: Will my new husband need to pay for my daughter’s uni? Do high interest savings beat cash ISAs?

In our Question Time podcast, Martin Lewis gives you answers on anything and everything, including: how to open savings accounts with limited ID, is there a way to make more cash from ISA bonuses, can I end my broadband contract if I’m moving house and does Martin prefer spaghetti hoops, or alphabetti spaghetti? If you’ve got a question for Martin on absolutely anything and everything, you can ask him in his Question Time podcast! Email your question to [email protected].

1 hr 9 min
Nov 13, 2025
A wallet workout to gain pounds! Earn £100s in minutes perusing your purse or (digital) wallet

Martin Lewis tells you how to speedily spot the best debit cards, credit cards, overdrafts, improve your driving licence, organ donor cards and more! Plus, new top savings, Martin’s meeting with the Chancellor, and success story on how to beat the O2 price-hike hike!If you’ve got a question for Martin on absolutely anything and everything, you can ask him in his Question Time podcast! Email your question to [email protected].