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COVID-19 international travel advisories

Visitors to the U.S. do not need to be tested or vaccinated for COVID-19. U.S. citizens going abroad, check Department of State travel advisories for the country you will visit.

COVID-19 testing and vaccine rules for entering the U.S.

You do not need to show proof of being fully vaccinated against COVID-19 or take a COVID-19 test to enter the U.S. This applies to U.S. citizens and non-citizens.

U.S. citizens traveling to a country outside the U.S.

Find country-specific travel advisories, including COVID-19 restrictions, from the Department of State.

See the CDC's COVID-19 guidance for safer international travel to learn:

• If you can travel if you recently had COVID-19
• What you can do to help prevent COVID-19 

LAST UPDATED: May 31, 2024

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Rules for travelling to the USA from the UK explained: tests, vaccines and more

The US eased travel restrictions for visitors from the UK in November 2021, with rules around testing eased in June 2022. Find out what all this means for your trip.

Can I travel to the USA?

Yes. Since November 2021, international travellers from the UK have been able to visit the USA. Between November 2021 and May 2023, this was on the condition that travellers were fully vaccinated. We were on the first flight out in early November 2021, so have first-hand experience of the process.

What Covid tests do I need to travel to the USA?

As of June 2022, the requirement for air travellers to show proof of a negative test to enter the USA has been dropped.

"We are able to take this step because of the tremendous progress we've made in our fight against the virus. We have made lifesaving vaccines and treatments widely available and these tools are working to prevent serious illness and death, and are effective against the prevalent variants circulating in the US and around the world," a senior official said in a statement.

Do I need to be vaccinated to go to the USA?

At the time of writing (2 May 2023), yes – most international air travellers need to show proof of being fully vaccinated to enter the USA. Any vaccine approved for use by the World Health Organisation or by the US Food and Drug Administration (FDA) will be accepted, including AstraZeneca, Moderna, Pfizer-BioNTech and others. The final vaccine dose must have been administered at least 14 days before travelling.

From 11 May 2023, the US will end the vaccination requirements for interntational travellers. This is when the coronavirus public health emergency ends.

Can unvaccinated people travel to the USA?

Until 11 May, to enter the USA unvaccinated you must have been granted an exception or be a US Citizen, US National, or US Lawful Permanent Resident. You can find out if you qualify as an exception to the rules by reading the list outlined by the Centers for Disease Control and Prevention (CDC) .

After 11 May, you don't need to be vaccinated to travel to the USA.

Do I need to wear a face mask in the USA?

Rules on wearing masks differ in each state and in different settings, so it's important to check before you travel, however there are currently no states requiring people to wear masks in public spaces. You may be required to wear a mask in certain settings, such as healthcare facilities.

• Help centre
• Travel advice

USA travel advice

On this page:

USA travel alerts

Flexibility for customers due to tropical storm helene.

Last updated: Friday 27 th September 2024 11:05am (UK Time)

Please check the travel advice for all countries in your itinerary .

Entry requirements

Please make sure you check all the US entry requirements that apply to you before heading to the airport. UK Foreign, Commonwealth & Development Office (FCDO) US travel advice is here .

Good news – for all customers arriving by air to the USA, including foreign nationals, effective 12 May 2023 there is no requirement to show proof of Covid-19 vaccination or complete an attestation form.

If eligible under the US Visa Waiver Program, you’ll need to apply and obtain an ESTA for travel .

For more information, including other Visa types please visit the US Department of State website.

Your passport must be valid for the duration of your stay.

USA and Canada - Mobile Passport Control:

If you are an American or Canadian citizen you can download the Mobile Passport Control (MPC) app to create a profile.

This will enable you to submit/upload passport information on arrival into the USA. You will then receive a QR code, and this will significantly speed up your journey through US immigration at selected airports.

Please be sure to check that your destination airport is supported by MPC.

You can download the MPC app here:  https://www.cbp.gov/travel/us-citizens/mobile-passport-control .

Face masks are a personal choice for our customers and people travelling in either direction between the UK and the United States.

We encourage everyone to be respectful of fellow passengers’ mask preferences, with masks still available for those wishing to wear them.

Helpful links

International travel guidance from the  US Center for Disease Control and Prevention (CDC)

UK Foreign, Commonwealth & Development Office (FCDO)  advice for the United States

US Embassy in the UK  travel and visa FAQs

Electronic System for Travel Authorization (ESTA)  application

Airport guides

Hartsfield–Jackson Atlanta International Airport (ATL)

Boston Logan International Airport (BOS)

Harry Reid International Airport (LAS)

Los Angeles

Los Angeles International Airport (LAX)

Miami International Airport (MIA)      

John F. Kennedy International Airport (JFK)

Orlando International Airport (MCO)

San Francisco

San Francisco International Airport (SFO)

Seattle-Tacoma International Airport (SEA)

Tampa International Airport (TPA)

Washington DC

Washington Dulles International Airport (IAD)

Transportation Security Administration (TSA) screening and US security

Passenger screening and us security.

The US Transport Security Administration (TSA) screens all baggage going through commercial US airports, for security reasons.

When flying to or from the US you may notice your baggage has been opened after it was checked in.

When this happens, a notice will be placed inside your bag telling you that it was opened for inspection by a TSA official, and your bag will be resealed with a tamper evident label.

Locking your check in bags

You should always make sure your bags are securely locked before checking them in. The TSA recommends you leave your bags unlocked to make them easier to search, but we disagree with this policy.

You can buy special TSA-approved locks, which can be opened by security officials with a master key. The locks can be bought from luggage shops at most airports.

Please be aware that the TSA has the right to break into your locked baggage, which can cause damage if you're not using the TSA-approved locks.

Loss or damage of items during TSA screening

If there is any damage or loss of items incurred during the TSA’s screening process you should make a claim on your insurance.

You can also contact the TSA Consumer Response Centre on 1-866-289-9673, where your case will be assessed on an individual basis. Further information is available on the TSA website at www.tsa.gov .

Baggage security screening in the US

This section tells you about US passenger security screening, and what to do if you've experienced difficulties when flying to or from the US in the past.

In order to ensure security on flights into the US, the US Transportation Security Administration (TSA) screens passenger information for all travellers entering the country.

When you give us your Advance Passenger Information (API) for a flight to the US, your full name, date of birth and gender will be supplied to the TSA for watch-list screening. Find out more about this process on the TSA website .

How to make an enquiry when you have API problems with flying to and from the US

If you've experienced difficulties when flying to or from the US in the past, it may be the case you share the name of someone on the US government’s ‘no fly list’, or there may be another issue with your records.

If this is the case you can apply for a ‘redress number’ from the Department of Homeland Security’s Traveller Redress Inquiry Program (DHS TRIP). This number may help prevent problems in the future.

Contact us  to add your redress number to future bookings with us, so we'll have it as part of your Advance Passenger Information.

TSA pre-check

This section explains what TSA Pre✓ and Global Entry are, who is eligible to use them, and how they can apply.

The US Transportation Security Administration (TSA) has developed a pre-screening process called TSA Pre✓. This allows qualifying travellers, including Virgin Atlantic passengers, to enjoy faster security screening and use dedicated TSA Pre✓ lanes at participating US airports.

With TSA Pre✓, you don't need to remove shoes, light jackets or belts when you go through security. Compliant liquids and laptops can stay in your hand luggage as well.

UK nationals can use TSA Pre✓ by joining the Global Entry programme , which also allows a faster entry through US immigration on arrival.

Who can use TSA Pre✓ at the airport?

Membership of the TSA Pre✓ programme itself is to US citizens and lawful permanent residents.

Citizens of other countries, including the UK, can join the Global Entry programme , which allows use of the TSA Pre✓ lanes at the airport.

The Global Entry programme, for non-US citizens

Global Entry is a U.S. Customs and Border Protection 'Trusted Traveler' programme for non-US citizens, including UK passport holders. It helps you get through customs and immigration more quickly when you arrive in the US at certain airports , by using automated kiosks.

You will also be able to use the faster TSA Pre✓ security lanes, if they are in operation at your airport.

To join Global Entry, you will need to apply and undergo a background check and interview. There is a non-refundable application fee, currently $100.

Applying for TSA Pre✓ and the Global Entry programme

The application process for TSA Pre✓ or Global Entry involves a background check by the TSA. This includes taking your fingerprints and verifying your identity to check your criminal history, legal status, and other intelligence-related information.

You will also need to have an in-person interview at a US airport. We recommend you sign up for an interview ahead of time, so you can meet with a TSA official when you're next in a participating US airport.

Apply for TSA Pre✓

(US citizens and lawful permanent residents only)

Apply for Global Entry

(For citizens of other countries, including the UK)

How to use TSA Pre✓ or Global Entry

Once your application for TSA Pre✓ or Global Entry has been approved, you'll be issued with a Known Traveler Number (KTN).

You should add this number to your booking, via My booking , at least 72 hours before you fly. A TSA Pre✓ symbol should appear on your boarding pass, and you'll be allowed to enter the faster security lanes at the airport.

If you have a connecting flight on another airline, including our partner Delta Air Lines, you'll also need to add your Known Traveller Number (KTN) to your booking with them.

Global Entry members arriving in the US enter dedicated kiosks, scan their passport or U.S. permanent resident card, have their fingerprints checked and complete a customs declaration. They can then get their bags and leave the airport.

Additional information

The TSA authorises passengers for expedited screening, not Virgin Atlantic. Random and unpredictable security measures are incorporated throughout US airports, and no passengers are guaranteed expedited screening.

Not all US airports currently offer TSA Pre✓ , including some that Virgin Atlantic fly from.

Children aged 12 and under can accompany an eligible traveller through TSA Pre✓.

Help topics

United Kingdom Travel Restrictions

Traveler's COVID-19 vaccination status

Traveling from the United States to the United Kingdom

Open for vaccinated visitors

COVID-19 testing

Not required

Not required for vaccinated visitors

Restaurants

Not required in enclosed environments and public transportation.

United Kingdom entry details and exceptions

Ready to travel, find flights to the united kingdom, find stays in the united kingdom, explore more countries on travel restrictions map, destinations you can travel to now, dominican republic, netherlands, philippines, puerto rico, switzerland, united arab emirates, united kingdom, know when to go.

Sign up for email alerts as countries begin to open - choose the destinations you're interested in so you're in the know.

Can I travel to the United Kingdom from the United States?

Most visitors from the United States, regardless of vaccination status, can enter the United Kingdom.

Can I travel to the United Kingdom if I am vaccinated?

Fully vaccinated visitors from the United States can enter the United Kingdom without restrictions.

Can I travel to the United Kingdom without being vaccinated?

Unvaccinated visitors from the United States can enter the United Kingdom without restrictions.

Do I need a COVID test to enter the United Kingdom?

Visitors from the United States are not required to present a negative COVID-19 PCR test or antigen result upon entering the United Kingdom.

Can I travel to the United Kingdom without quarantine?

Travelers from the United States are not required to quarantine.

Do I need to wear a mask in the United Kingdom?

Mask usage in the United Kingdom is not required in enclosed environments and public transportation.

Are the restaurants and bars open in the United Kingdom?

Restaurants in the United Kingdom are open. Bars in the United Kingdom are .

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Travel to England from another country – COVID-19 rules

Check if there are any COVID-19 rules in place for travel to England from abroad.

This guidance was withdrawn on 13 June 2024

See the latest COVID-19 guidance .

Applies to England

• Guidance for Northern Ireland
• Guidance for Scotland
• Guidance for Wales

Travel to England rules

When you travel to England, you:

• do not need to complete a UK passenger locator form before you travel
• do not need to take any COVID-19 tests before you travel or after you arrive
• do not need to quarantine when you arrive

This applies whether you are vaccinated or not.

It includes people who are transiting through England.

Other countries may have rules about what you need to do to leave the country to travel to England. You should check travel advice for the country you are travelling from.

How to stay safe while in the UK and on public transport

Check separate public health guidance on how to stay safe and help prevent the spread of COVID-19 while you are in the UK .

Travel provider and transport hub rules

Your travel provider, or the transport hub you travel through, may have COVID-19 rules in place. For example, they may require or advise you to wear a face covering.

You should follow any COVID-19 rules and guidance from:

• your travel provider – airline, ferry, coach or train company
• the transport venue – airport, port, coach or railway station

Travel abroad from the UK

Other countries may still have COVID-19 rules that you must follow to travel there from the UK .

Check the ‘Entry requirements’ section of foreign travel advice for all countries you will visit or travel through .

Updates to this page

You do not need to take any COVID-19 tests to travel to England from mainland China.

Updated rules for people travelling from mainland China announced.

New rules for travel from China come into force today.

More information about COVID-19 testing requirements for travel from mainland China to England.

From 5 January, people flying from mainland China to England will be asked to take a COVID-19 pre-departure test.

When you arrive in England from abroad you do not need to take any COVID-19 tests or fill in a UK passenger locator form.

If you will arrive in England after 4am, Friday 18 March, you do not need to take any COVID-19 tests or fill in a UK passenger locator form.

If you began your journey in Russia, you do not need to complete a passenger locator form, or take a COVID-19 test before travel to England or on arrival.

If you began your journey in Ukraine, you do not need to complete a passenger locator form, or take a COVID-19 test before travel to England or on arrival.

From 9am Monday 28 February, you can fill in the UK passenger locator form up to 3 days before you arrive in England.

From 24 February, there is no legal requirement to self-isolate if you get a positive day 2 test result.

You do not need to take any COVID-19 travel tests or self-isolate on arrival in England if you qualify as fully vaccinated.

The testing and quarantine rules for international travel to England will change 11 February 2022.

You can now choose a lateral flow test or a PCR test as your post arrival test.

From 4am 7 January you do not have to quarantine on arrival in England if you qualify as fully vaccinated for travel to England.

Changes to rules for fully vaccinated people travelling to England from 4am 7 January 2022.

People who qualify as fully vaccinated for travel to England can now end self-isolation after 7 days with 2 negative lateral flow tests.

Further information about quarantine rules for children aged 4 and under.

People aged 12 years and over must COVID-19 test before they travel to England from abroad.

From 4am, Tuesday 7 December all people aged 12 years and over must also take a PCR or LFD COVID-19 test before they travel to England from abroad.

People who qualify as fully vaccinated must quarantine and take a PCR test before the end of day 2 after they arrive in England. Lateral flow tests will not be accepted.

From 4am 30 November 2021, fully vaccinated people must self-isolate and take a PCR test before the end of day 2 after they arrive in England. They may leave self-isolation if their PCR result is negative. Lateral flow tests will not be accepted.

South Africa, Botswana, Eswatini, Lesotho, Namibia and Zimbabwe will move onto the red list at 12.00 midday Friday 26 November. A temporary flight ban will be in place and all travellers who have been in these countries must quarantine and take tests.

Travel to England rules for children no longer depend on their place of residence.

Clarification about unclear or inconclusive test results.

From 4am 22 November 2021, all children aged 17 and under will not have to quarantine on arrival in England.

People who qualify as fully vaccinated for travel to England can book a lateral flow test for use from 24 October instead of a PCR test.

From 22 October, if you qualify as fully vaccinated for travel to England, you will be able to book an antigen lateral flow device (LFD) test instead of a PCR for your ‘on arrival’ test.

Rule changes for international travel to England for people who qualify as fully vaccinated.

Changes to amber list rules on quarantine and testing.

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New study to trial inhaled COVID-19 vaccines

• 14 September 2020

A new clinical study will explore the effects of administering COVID-19 vaccines as inhaled airborne droplets – similar to how inhaled asthma medications are delivered – rather than by injection into muscle.

Researchers funded by the NIHR and UK Research and Innovation are set to begin small trials to assess inhalation of two of the UK’s coronavirus vaccines in development, by Imperial College London and Oxford University. 

The trials will assess the safety and effectiveness of delivering the vaccines directly to the respiratory tract of human volunteers, by inhalation through the mouth.

The hope is that directly targeting the cells lining the airways – the typical point of infection for respiratory viruses – may induce a more effective immune response against the SARS-CoV-2 virus.

This could potentially accelerate the development of effective vaccines against COVID-19 by exploring additional delivery methods and targets.

Lead researcher Dr Chris Chiu, from the Department of Infectious Disease at Imperial College London, said: “We have evidence that delivering influenza vaccines via a nasal spray can protect people against flu, as well as help to reduce the transmission of the disease. We are keen to explore if this may also be the case for SARS-CoV-2 and whether delivering COVID-19 vaccines to the respiratory tract is safe and produces an effective immune response.”

Dr Chiu added: “The current pandemic is caused by a respiratory virus that primarily infects people through the cells lining the nose, throat and lungs. These surfaces are specialised and produce a different immune response to the rest of the body, so it is critical we explore whether targeting the airways directly can provide an effective response compared to a vaccine injected into muscle.”

Currently, clinical trials are being carried out to assess the safety and efficacy of numerous COVID-19 vaccines that are delivered by intramuscular injection. These trials include Oxford’s ChAdOx1 nCoV-19 vaccine, as well as Imperial’s saRNA vaccine platform.

Dr Chiu will work with Imperial’s Professor Robin Shattock and Oxford’s Professor Sarah Gilbert to assess the vaccines by delivering them to a small group of healthy volunteers as an aerosol.

Professor Robin Shattock, from Imperial’s Department of Infectious Disease, said: “A number of groups around the world are currently working on clinical trials for COVID-19 vaccines, and these will tell us whether these candidates can produce a systemic immune response against the virus. However, these trials are unlikely to tell us anything about the localised response in the nose, throat and airways – where the virus primarily attacks and invades cells.

“It may well be that one group has the right vaccine but the wrong delivery method, and only trials such as this will be able to tell us that. We look forward to assessing different delivery methods and pushing forward the global scientific effort against this virus.”

Business Secretary Alok Sharma said: “I am immensely proud that the UK is home to two of the most promising COVID-19 vaccine candidates, backed by over £130 million of government funding to speed up the search for a vaccine and end the pandemic sooner.

“We are doing everything we can to ensure the British public get access to a safe and effective vaccine as soon as possible, and this critical new study has the potential to significantly increase the number of people that can be vaccinated, key to battling this awful disease.”

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Landmark coronavirus study to trial inhaled Imperial and Oxford vaccines

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Money blog: Why you should probably submit a meter reading this weekend

Energy prices are set to rise for most households from Tuesday, with experts recommending submitting a meter reading this weekend. Read this and the rest of today's consumer and personal finance news below in the Money blog.

Friday 27 September 2024 18:49, UK

• You should probably submit a meter reading this weekend - here's why
• Supermarket's own-brand beans named best in taste test
• This is how much the Married At First Sight wedding venues cost 
• Why there's good news for first-time buyers
• Presents and sex toys in minutes - delivery apps expand beyond food

Tips and advice

• Savings Guide : 'Now is the time to lock away your cash'
• What are your rights if your takeaway order arrives and it's wrong?
• All benefits and entitlements available to pensioners
• Energy companies providing £150 discount for your electricity bills

Essential reads

• Top chef reveals his cheap weeknight pasta sauce recipe
• The two women trying to transform supermarket shelves and how menopause is perceived

Ask a question or make a comment

By Jimmy Rice , Money blog editor

We're signing out for the week as far as live updates are concerned - though do check out our long read on whether the vegan bubble has burst tomorrow morning.

Until then, here are the four major takeaways from Money this week...

The good news for holidaymakers continued with the pound showing strength against both the euro and dollar.

Political stability here in the UK, as well as better than expected economic growth, have boosted the pound in recent weeks.

The dollar, meanwhile, has suffered due to forecasts of faster US interest rate cuts, with the Fed wanting to loosen monetary policy to stimulate a floundering jobs market.

In Europe, the currency has been spooked by fears Germany is also facing a recession.

All this means Britons can get more holiday money for a pound: around $1.34 and €1.20.

Notably, Goldman Sachs thinks the pound could reach $1.40 within a year.

The value of the pound also makes importing fuel cheaper - which, combined with lower oil prices, is being reflected at the pumps.

Earlier this week, petrol and diesel prices sank to a three-year low - with the RAC putting the average price of a litre of petrol at 135.7p, almost 60p cheaper than the record high hit two years ago.

Young people were urged this week to check whether they have unclaimed cash sitting in Child Trust Funds (CTFs).

HMRC says more than 670,000 18-22 year olds are yet to cash in on their stash from the government savings pots.

It says each account is worth £2,212 on average.

Child Trust Funds are long-term tax-free savings accounts set up under the previous Labour government for children born between 1 September 2002 and 2 January 2011. 

Youngsters can take control of their account at 16 and withdraw funds when they turn 18 and the account matures.

Investment platform AJ Bell says more than a quarter of CTF accounts were set up by the government, rather than parents, meaning many people may be unaware they have one.

It's crucial people look into it if they think they may have a CTF - before fees eat up all their money.

Finally, rail workers voted to accept pay offers from train companies and Network Rail - putting an end to strikes that have impacted passengers for years.

Members of the Rail, Maritime and Transport union (RMT) backed a one-year rise of 4.5% at Network Rail (NR) and increases at train operators of 4.75% for the last year and 4.5% for 2024-25.

Here are a few other Money posts you may wish to check out from the week...

We'll be back with live updates on Monday morning - and don't forget our Saturday long read from 8am tomorrow.

If Married At First Sight has taught us anything, it's that there is no such thing as a free wedding.

As eight more couples head down the aisle in the Channel 4 show, casino site Bonusetu looked at the venues where they tied the knot on their first meeting.

The Elvetham Hotel

The Elvetham Hotel in Hook, Hampshire, hosted the weddings of Kristina and Kieran, Eve and Charlie, Sacha and Ross, and Richelle and Orson.

Their wedding packages range from £3,000 to £8,000, the venue can accommodate up to 160 guests for receptions and 120 for dining. The stately home counts King Henry VIII and Queen Elizabeth I as former guests.

The hotel has a 4.5 star rating on Google, from more than a thousand reviews.

Venue hire includes access to elegant rooms, a wedding breakfast, an evening reception, formal gardens, and a dramatic red-carpet arrival. 

Farnham Castle

Farnham Castle, a historic Surrey venue, was the backdrop for Emma and Caspar, Lacey and Nathan, Polly and Adam, and Holly and Alex's wedding days.

With prices starting at £4,000, the price of packages at the castle can reach as much as £25,000. 

This Grade I and Grade II-listed castle accommodates up to 350 guests for receptions and 238 for seated dinners. The venue offers a grand ballroom and the services of an in-house wedding coordinator. It also averages a 4.5 star rating on Google, from more than 600 reviews.

A spokesperson at Bonusetu.com said: "While we cringe, laugh, and hope for successful couples, those planning a wedding can find incredible inspiration for their own big day. You may be watching for love but end up falling for a venue instead."

Two pensioners are seeking to take the Scottish and UK governments to court over the cut to the winter fuel payment.

Peter and Florence Fanning, of Coatbridge, North Lanarkshire, have raised proceedings with the help of the Govan Law Centre against the Scottish government and the UK work and pensions secretary over the policy.

It comes after the Scottish government announced its once universal benefit will now be means-tested, replicating a UK government decision.

The introduction of a replacement Scottish benefit was also delayed.

The judicial review - which has been raised at the Court of Session - now requires a judge's approval to move to a hearing on the merits, with Govan Law Centre seeking to expedite both the case and its application for legal aid to ensure a decision can be handed down before the winter.

The case asks the court to rule on whether the decision was unlawful, which would then allow the petitioners to ask the court to, in effect, set aside the policy and restore the winter fuel payment to all.

"We are hoping to be successful, given the manifest injustice involved, however, my work as a trade unionist and shop steward has taught me that some battles are worth fighting regardless of the outcome - I believe this is one such battle," said Mr Fanning. 

Read the full report here:

The Co-op is now using artificial intelligence to detect shoplifters after theft costs rose by 19% (up to £39.5m) in the first half of the year.

The technology will also be able to detect assaults on staff. 

The member-owned business, which returned to profit despite the growing toll of shoplifting, has spent £18m so far this year on measures to protect staff, including rolling out body-worn cameras and fortified kiosks.

While the supermarket said it did not use facial recognition, it is participating separately in Project Pegasus. This is where CCTV images are shared with retailers and the police and then run through databases to identify serial thieves and dangerous individuals.

The Association of Convenience Stores said its members were reporting "high volume" and "very brazen and direct" incidents of shoplifting - with meat, cheese and alcohol typically being targeted.

The most recent figures for the outcomes of recorded crimes show that, of 436,171 cases of shoplifting, 71,741 led to a criminal charge that year.

Retailers have warned that some smaller shops are buying stolen goods from professional shoplifters who steal to order for criminal gangs to feed their addiction problems.

On Tuesday 1 October, energy prices will rise for most households - so to avoid being charged more than you should, it's a good idea to do a meter reading this weekend.

If (like around 85% of households) you are on a standard variable tariff then your energy bill is set to rise by around 10% from next month, due to the latest price cap change. 

But by giving a meter reading before then, it stops your supplier from estimating your usage and potentially assuming you may have used more than you did, and at a higher rate than you currently have. 

This weekend is the perfect time to do it - if you wait until the deadline, you may find yourself in a rush that sees suppliers' websites and phone lines crash (this happened in March 2022 at the height of the energy crisis). By sorting it this weekend, any discrepancy will be minimal.

Some firms do let you backdate your reading, but you have to have taken the reading on the actual day and just be submitting it a few days later - by that point, you will have done most of the work so might as well just get it done. 

If you want to check if suppliers will backdate your readings (and some will as late as 11 October), MoneySavingExpert have a handy guide here .

If you have a working smart meter, you don't need to do this - it is done automatically. 

It's the day before your friend's birthday and you've completely forgotten to get them a gift. 

Usually, at this point, your only choices are to leave the house and go to an actual shop, or put more money in the pocket of Jeff Bezos and hope an Amazon Prime delivery turns up on time.

But now, online marketplace Not On The High Street and Deliveroo have teamed up to give customers access to on-demand delivery of more than a thousand gifts and personalised products in as little as 25 minutes.

From this week, at least 15 small brands across London will be available to order via the delivery app, under the umbrella of Not On The High Street. More independent brands will be added to the platform as it expands. 

It's not the first time a delivery brand has expanded beyond food - yesterday we told you that Just Eat has hooked up with Lovehoney to get vibrators and lingerie sent to their doorstep in minutes. 

Just Eat said the products will be delivered inside sealed, unbranded paper bags, with receipts inside to ensure "discretion". The brand has already made deals with Lush cosmetics and Boots. 

Deliveroo penned a similar deal with Ann Summers earlier this year. 

Every Friday we take an overview of the mortgage market, hearing from industry voices and getting a round-up of the best rates courtesy of the independent experts at Moneyfactscompare.co.uk .

Mortgage rates have continued their trickle down this week - a process that's been under way since the summer as the path towards lower interest rates now seems set (even if the Bank of England appears keen to walk down the path very slowly).

This is how average rates are looking - though it's important to stress that many borrowers will now be able to get deals much nearer, or even below, the 4% mark...

First-time buyers

There was a significant boost for those looking to get on the housing ladder this week as Nationwide announced it would start lending up to six times someone's salary.

David Hollingworth, a director at  L&C Mortgages , told Money that this could help combat two serious challenges facing these buyers - house prices remaining "extremely resilient" despite some falls over recent years, and building a deposit during a cost of living crisis.

"The need for the longer fix is to give stability of payment and remove the chance of interest rate fluctuation pushing payments up and also enables them to apply more flexible stress rates," he said.

Mr Hollingworth pointed out that Halifax has also extended its first-time buyer limit to 5.5 times a salary.

"Of course, lenders will still apply their affordability tests," he said.

There is often a minimum household income expected. For example, Nationwide expects a minimum income of £50,000 or £30,000 in the case of a single applicant. 

Moneyfacts finance expert Rachel Springall says those looking for buy-to-let mortgages can be "encouraged" by lenders such as   Santander, NatWest and Leeds Building Society lowering rates this week.

This is offset, however, by "concern about a potential hike in capital gains tax in the budget next month". 

She said: "Landlords have had to review their portfolios over the years due to changing taxation rules and some may plan to buy through a limited company, according to new research."

One benefit here is paying the lower corporation tax rather than income tax.

Landlords who utilise limited company structures have incorporated an increasing proportion of their portfolios over the past four years, a study has found.

And the research, carried out by Pegasus Insight, suggests 67% of landlords who intend to buy in the next 12 months plan to do so through a limited company. 

Louisa Sedgwick, managing director for mortgages at Paragon Bank (which commissioned the study), said: "Landlords have increasingly used limited companies to mitigate the impact of tax changes phased in from 2016. 

"While incorporation isn't necessarily the best option in every situation, and landlords should seek advice from a professional financial or tax adviser, this highlights the opportunity for those that place this type of business."

Moneyfacts has looked at the best rates on offer for landlords now...

Moneyfacts also rounds up what it calls "best buys", which look beyond the lowest rates and takes in incentives and fees...

Baked beans are a staple of British cuisine, with a reported two million tins eaten every day - but which should you reach for to get the best taste?

In what might come as a surprise to some, Aldi's own-label baked beans have come out top in a blind taste test by Which? experts - beating pricier brands such as Heinz and Branston.

The consumer champion asked 66 baked bean lovers to test and rate 10 different options from big-name UK supermarkets, as well as branded products.

Aldi's Bramwells Baked Beans (41p for a 410g can) was the highest rated with an overall score of 76% - also bagging a Which? Best Buy and Great Value endorsement.

The panel said the beans looked good and had an "appealing aroma", while three-quarters enjoyed the strength of the flavour.

Branston (£1 for a 410g can) came closely behind with a score of 75%, followed by Co-op's own-brand offering (49p for 400g can) which received a score of 74%.

And while Heinz Beanz reign supreme for many, the panel rated the product just fifth out of 10 with a score of 72%.

Natalie Hitchins, Which? head of home products and services, said the results show customers "don't have to pay a premium for the best taste".

"Choosing supermarket own-label groceries is not only a great way to save money, but our tests prove that you can end up with a better tasting product and can save over £100 a year by making the switch."

By Megan Harwood-Baynes, cost of living specialist

One broken phone and one speeding ticket was all it took.

My and my husband's car insurance were both auto-renewing last weekend - and both, due to those two mishaps, were going to cost us a lot more than last year.

Using a comparison website is the easiest way to find the best price, but with a couple of additional clicks, I was also able to save almost £80 across both policies - and you could too.

Cashback is so easy, I genuinely cannot believe I only started earning it this year. I use TopCashback for most big purchases, and then an app called JamDoughnut for everyday spending. Across the two, I've earned around £200 this year on things I was buying anyway - such as £20 cashback on airport parking and £19 back on travel insurance.

While often the returns are just a couple of quid, it's on insurance policies you can really make some money. 

TopCashback currently has an offer on £42 cashback if you purchase car insurance through Go.Compare (a site I was probably going to use anyway) and £36 if you use Confused.com for home insurance. All I had to do was log into my account, click on their link for the website, and complete my purchase as normal.

In about six weeks, the money will hit my online wallet and I can cash out - just in time for Christmas,

How does it work?

It seems too good to be true, but it's really easy (and not a scam).

Explaining how it works, TopCashback says: "Every time you click through and purchase something from one of the 6,000 major retailers featured on TopCashback, the retailer pays us a commission for referring you to their website. We pass 100% of this commission back to you as 'cashback'."

The site makes money by getting a referral fee. Sometimes it can take a while for your purchases to track through, but you can always submit a claim if it doesn't track properly. 

The maximum amount that victims of bank transfer scams can be reimbursed has been slashed by a UK regulator ahead of new rules coming in next month.

From 7 October, banks must refund fraud victims within five days unless the customer has been grossly negligent, moving away from the current voluntary system.

But while the previous maximum reimbursement value was previously set at £415,000, the Payment Systems Regulator (PSR) has now announced that the new limit will be reduced to £85,000.

The regulator said 99% of claims over authorised push payment (APP) scams - when someone is tricked into sending money to a fraudster posing as a genuine payee - would be covered by the new cap.

Claim that victims 'shamefully sidelined'

But Rocio Concha, director of policy and advocacy at consumer champion Which?, said: "This decision puts all of us at greater risk of being targeted by criminals because it reduces the incentives for banks and payments firms to take fraud prevention seriously."

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