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Martin Lewis says bank account change should be ‘priority’ after new rules come in

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He warned people often end up paying a lot more than they need to

Martin Lewis has issued a warning to bank account holders about a principle to keep in mind. He shared the advice on his BBC podcast, outlining some key figures that you may want to note down.

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The financial expert offered guidance about overdrafts that can affect your bank account, as you could rack up a big bill. He urged listeners to make clearing any outstanding overdraft balance their top priority.

Mr Lewis said: “Overdrafts almost invariably are the worst form of borrowing, but people don’t feel like they are borrowing.” He warned that many people make a costly error by failing to grasp the figures involved. He pointed out that a typical credit card rate with a high street bank stands at 24.9 per cent, while a typical overdraft with a major provider sits at 40 per cent.

The consumer champion explained: “There are many people out there who are overdrawn at 40 per cent interest and then are using the money from their overdraft, at 40 per cent interest, to pay off their credit card at 24.9 per cent interest, which is actually cheaper. You’d be better just to pay the minimum on the credit card and try and reduce your overdraft.

State Pensioners to face major tax change

“It is an absolute must remember that overdrafts, ever since the regulator changed the way that overdrafts operate, from going from a fee and completely bastardised the market, just in my view, just at the start of the pandemic.” The Financial Conduct Authority introduced new regulations from April 2020 requiring that banks could only charge customers an annual interest rate on their overdraft.

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Make it your priority

The regulator also banned banks from applying any fees or charges. Mr Lewis said: “Overdrafts with pretty much all high street banks are locked in at 39.9 per cent, way more than a high street credit card.

“Clearing your overdraft if you have one, unless you happen to have one of the few that is in a buffer zone or at zero per cent, is normally your financial priority over clearing credit cards. Treat your overdraft like a debt.”

Mr Lewis provided an illustration of how you might structure repaying the debt, by pledging to clear £100 of the overdraft each month. So if you’re overdrawn by £600, you could aim to reduce this to £500 by the beginning of next month.

Really dangerous

He said: “It’s very difficult to think of it conceptually with an overdraft, which is why it’s really dangerous that it’s at 40 per cent.” Some lenders provide a buffer and won’t charge interest up to a certain threshold if you dip into your overdraft.

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For instance, Nationwide Building Society doesn’t charge FlexPlus, FlexDirect or FlexAccount customers any interest on the first £50. But you will pay 39.9 per cent variable on sums exceeding this.

Likewise with First Direct’s 1st Account, you receive a £250 buffer but then face 39.9 per cent interest on any overdraft beyond this amount.

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Ronnie O’Sullivan looking ‘pretty evil’ as World Championship challenge gains momentum

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Ronnie O'Sullivan looking 'pretty evil' as World Championship challenge gains momentum
Ronnie O’Sullivan looks in impressive form at the Crucible (Picture: Getty Images)

Ronnie O’Sullivan started strongly in his blockbuster second round clash with John Higgins at the Crucible, looking ‘pretty evil’ when in the balls, according to former world champion John Parrott.

The Rocket breezed into the last 16 with a 10-2 demolition of He Guoqiang, but a sterner test awaited in the form of four-time champion Higgins.

The Wizard of Wishaw downed Ali Carter 10-7 in his first match and arrived at the Crucible this year after reaching the finals of the Masters and two ranking events this season.

There is a long way to go in their best-of-25 encounter, but O’Sullivan is in control early on, leading 6-2 after Saturday night’s first session.

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He opened with a breezy 86 and made further breaks of 82, 137, 95 and 76 in a session he dominated and looked good doing so, while the Scot struggled to find anything close to his best.

Higgins scrapped away to try and pinch the final frame from behind, but didn’t manage to get the snookers he required and Parrott felt 6-2 was an appropriate reflection of the play.

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‘It’s absolutely the right result. If John could have got out of it 5-3 behind he’d have been delighted,’ the 1991 world champion said on the BBC.

Halo World Snooker Championship - Day Eight
O’Sullivan is bidding for an eighth world title at 50 years old (Picture: Getty Images)

‘I think on what we’ve seen on the play, 6-2 is definitely the right scoreline
Ronnie was pretty evil there amongst the balls and was definitely the best of the two players.’

The Rocket’s form was a little questionable ahead of the tournament, having had a quiet season, although he was brilliant at March’s World Open and appears to have continued in that rhythm since then.

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On Higgins’ chances of a comeback, Parrott said: ‘He knows he’s very capable of beating Ronnie 6-2. At the moment…usually if you want to turn a score around you’ve got to play great and you need a little bit of help

‘That little bit of help I don’t think is going to be forthcoming, so John’s going to have to his top game because it doesn’t look like Ronnie’s going to dip any time soon.

Halo World Snooker Championship - Day Eight
O’Sullivan needs seven more frames to beat Higgins (Picture: Getty Images)

‘I think tinkering about and getting the method he’s happy with and hitting the ball, I think he’s really happy. I was talking to him the other night in the practice room and he’s saying it’s the best he’s felt hitting the ball, he’s really happy with the way he’s striking it.’

Steve Davis is also liking what he sees and hears from the seven-time champion during this event, as his chances of a record eighth title appear increasingly good.

‘I quite liked a couple of interviews he’s done. Very measured and I think he’s enjoying it and enjoying the challenge. That’s half the battle,’ said the six-time Crucible conqueror.

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Halo World Snooker Championship - Day Eight
O’Sullivan is closing in on a 24th Crucible quarter-final (Picture: Getty Images)

‘Sometimes he’s come here and he’s not been revelling in the attention. This time I think he’s got the right amount of ability to withstand all the eyes upon him. As a result of that, he feels more relaxed around the venue.’

The clash of the Class of 92 legends is played over two more sessions, on Sunday night and Monday afternoon, with the winner taking on either Chris Wakelin or Neil Robertson in the quarter-finals.

That game is level at 4-4, with play still to come on Sunday afternoon and Monday evening.

Already into the quarter-finals are Barry Hawkins and Mark Allen who both came through tough contests in the second round over Mark Williams and Kyren Wilson respectively.

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The Hawk was delighted to see off three-time champion Williams, as he returns to the last eight at the Crucible for the first time since 2018.

‘To come here, play like that and beat him at the Crucible is a special result for me,’ said the current Welsh Open champion.

‘I’ve beaten him the last couple of times we’ve played now. I think in the past I had too much respect for him. I used to crumble against those sorts of players. I think in the last four or five years I’ve had more belief in myself and that has made the difference in the last few days.

‘It was an amazing reception. I could see on the screen before I walked out that there was already a standing ovation. They weren’t standing for me, they were standing for the Class of 92. When I walked out, what a feeling, it is the best place to play when it is like that.’

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Man ‘nearly’ loses job after neighbour leaves note moaning about common habit

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A man has been left feeling guilty after a neighbour complained about their loud morning routine – but once listening to their message it nearly cost them their job

We all have mornings where dragging ourselves out of bed feels like a monumental task. But for some people, this battle plays out every single day, with many claiming they struggle to even hear their blaring alarms going off in the early hours.

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This was precisely the situation for one individual, who received a note from their next-door neighbour complaining their alarm had been waking them up between 4:30am and 6am for several weeks on the trot, urging them to turn down the volume. However, doing so caused the heavy sleeper to snooze straight through their morning alarm, leaving them hours late for work.

The person soon took to Reddit’s ‘ApartmentLiving’ forum to ask for advice as to what to do, as they almost lost their job by complying to the neighbour’s complaint.

“I received this note on my door today and I feel like a b****. I do have to say my alarms are very noisy and they are very f***ing early,” the user wrote.

They went on to explain they had slept through their morning alarm a few weeks earlier, resulting in them arriving three hours late for work. Upon realising they had overslept, the user rang their manager to explain the situation and let them know they were on their way. By that point, their manager had already arranged cover for them, meaning they lost a full day’s work.

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“So I made my alarms more frequent and to the loudest setting possible which has helped me. I use an Amazon Echo on my nightstand and I believe the wall behind it is this neighbour’s bedroom wall as well,” they explained.

They added they were also a deep sleeper, who also has sleep apnoea and uses a CPAP machine, which they claimed can be noisy and make it harder to hear their alarms.

But since this had lead to their neighbour leaving them a message, the heavy sleeper went on to ask others for solutions to this problem.

They explained: “I really don’t want to disturb other people as I understand sleep is very important, but at the same time I really cannot afford to miss work again in fear of termination. I genuinely want to cry, I feel like such an awful person.”

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Thousands of people soon took to the comment section to share their sympathies, as many also revealed solutions to try.

One user said: “Maybe look into alarm systems for deaf people, physical sensation instead of noise.”

Someone else shared: “For people who are blind and or deaf, they have pads that you put on your bed that will vibrate and shake so that it wakes you up possibly try that.”

Another user said he and his wife wake up at different times, and ended up getting FitBit watches, which vibrates on your arm once the alarm goes off, instead of generating a loud noise.

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To this, another user also said: “My Apple watch is great for this, I can easily sleep through sound-only alarms but the vibration on my wrist never fails.”

However to this, the user said: “Apple Watch vibration is not enough, and all of my apartment lights and bedroom lights are automated to turn on at 4:15am every morning.”

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Chelsea FC: Nicolas Jackson future confirmed as Bayern Munich reveal transfer plan

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Chelsea FC: Nicolas Jackson future confirmed as Bayern Munich reveal transfer plan

Another summer of upheaval is expected at Chelsea this summer, with the club expected to desert its youth-focused transfer strategy in favour of signing more experienced talent. The priority, though, will be signing a new manager, with Andoni Iraola, Marco Silva and Cesc Fabregas all linked with the job.

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Security for King’s US state visit under review after Washington shooting | News World

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Security for King's US state visit under review after Washington shooting | News World
After last night’s shooting, security for King Charles will likely be upped (Picture: Reuters)

King Charles’ state visit to the United States is set to go ahead in just a few days, but security measures for the royal are under review after the shooting in Washingon DC last night.

An apparent would-be assassin stormed a dinner event where Donald Trump was preparing to address top US journalists last night.

Gunshots rang out at the hotel where the formal White House Correspondents’ Dinner was taking place, with one Secret Service agent hit but ‘in good spirits’, the President said.

Speaking about the attack, chief secretary to Prime Minister Keir Starmer told Sky News today: ‘As you would imagine, with His Majesty the King, this week our teams are working closely to ensure that security arrangements are put appropriately in place.

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He added: ‘As you would imagine, the government and the Palace were in close cooperation with American counterparts in advance of the visit anyway, and further discussions will be taking place today, ahead of next week.’

The King and Queen are due to visit the US for a state visit at the end of April. 

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FILE PHOTO: U.S. President Donald Trump listens as Britain's King Charles speaks during the state banquet at Windsor Castle, Berkshire, on day one of US President Donald Trump and First Lady Melania Trump's second state visit to the UK, Wednesday September 17, 2025. Aaron Chown/Pool via REUTERS/File Photo
Last September, the UK hosted Trump and Melania for a state visit (Picture: Reuters)

The president has promised them ‘a beautiful banquet dinner’ and revealed the ‘historic state visit’ will take place over four days from April 27-30 – despite Buckingham Palace deciding not to release the exact dates in its own official announcement.

‘I look forward to spending time with the King, whom I greatly respect. It will be TERRIFIC!,’ Trump said at the time of the announcement.

It’s expected that the Americans will roll out the red carpet for the King, despite celebrating 250 years without British rule.

Trump will also likely give a tour to Charles around the White House – though he was quick to say that he won’t show off as many historic items to the King.

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During his state visit this year, Trump joked, ‘You know what? I’m going to treat you to a state dinner, you can come to the US, and I’m not going to drag you around the Lincoln Memorial. You can just have dinner and then go to bed.’

WINDSOR, ENGLAND - SEPTEMBER 17: King Charles III and US President Donald Trump inspect the Guard of Honour during the State visit by the President of the United States of America at Windsor Castle on September 17, 2025 in Windsor, England. (Photo by Anna Moneymaker/Getty Images)
The historic state visit will mark the 250th anniversary of the USA (Picture: Getty)

The transatlantic trip will be subject to the King being well enough, with the 77-year-old head of state currently undergoing treatment for cancer.

Charles was last in Washington, DC, for the funeral of former President George H.W. Bush in Washington, but he’s met many Presidents.

He is expected to be joined by his wife, Queen Camilla, for the landmark visit.

Charles has made more than a dozen overseas trips since becoming King, including state visits to France, Italy and Kenya.

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Get in touch with our news team by emailing us at webnews@metro.co.uk.

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Stunning beach less than two hours from Cambridge named among the best

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Cambridgeshire Live

The beach provides a quieter seaside spot than some of its more popular neighbours

A beach under two hours away from Cambridge has been named as one of the best in the UK by Condé Nast. Walberswick Beach, on the Suffolk Heritage Coast, is a sandy and shingle beach is known for its majestic dunes, and being a popular spot for crabbing.

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This beach offers a quiet alternative for those looking to spend some time relaxing in the rays, unlike neighbouring Southwold which tends to be a much busier spot.

Condé Nast wrote: “For a classically British beach, plan a trip to the rugged shores of Walberswick. With wild grassy dunes and rolling sandy stretches spilling into frothy waves, it’s a brilliant place for a foodie seaside trip.”

There are plenty of pubs offering crisp refreshments and the classic fish and chips. Although, if you are looking for a broader variety, Condé Nast also recommends visitors to Walberswick hop aboard Dani Church’s row-boat ferry across the river to the excellent “plethora of fish restaurants” in Southwold.

Talking of pubs, Walberswick is home to two – The Bell Inn and The Anchor. The Bell Inn is over 600 years old and offers a range of food and drink and has a large beer garden to make the most of your time in the sunshine. This lovely establishment recommends tourists try a sea swim for breakfast like “the locals do” as well as taking buckets and bait to attract some crabs in the “unofficial home of crabbing”.

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The Anchor is an award-winning inn and restaurant that prides itself on using locally sourced produce to serve up a range of dishes. Some items on offer at this pretty establishment include oysters from West Mersea, smoked fish from Lowestoft, Jimmy Butler’s Blythburgh pork, Red Poll Beef reared in nearby Westleton, and vegetables from local farms and their own allotment.

Walberswick is also a picturesque place to take a leisurely walk in the fresh air and Dunwich isn’t too far if you are feeling extra adventurous.

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Washington shooting: King’s security for US trip always ‘taken very seriously’

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Washington shooting: King’s security for US trip always ‘taken very seriously’

Asked if there are any extra concerns for the King’s safety during the state visit that begins on Monday, Mr Jones said: “As you would imagine, the Government and the Palace take the security of His Majesty very seriously, and there were already extensive discussions taking place, which will continue over the coming days.”

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King’s security for US state visit to be reviewed after shooting at Trump dinner

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King’s security for US state visit to be reviewed after shooting at Trump dinner

The King’s security is being reviewed ahead of his state visit to the United States next week after a gunman tried to storm a Washington dinner attended by Donald Trump on Saturday night.

The White House Correspondents’ Association dinner was thrown into chaos on Saturday night after an attempted attack, which saw shots fired, prompting the US President to be swiftly evacuated by Secret Service agents along with other senior members of his administration.

Speaking about the attempted attack, chief secretary to the prime minister Darren Jones told Sky News: “As you would imagine, with His Majesty the King, this week our teams are working closely to ensure that security arrangements are put appropriately in place.”

Asked by the BBC whether further security measures will be put in place ahead of the visit, Mr Jones said: “As you would imagine, the government and the Palace were in close cooperation with American counterparts in advance of the visit anyway, and further discussions will be taking place today, ahead of next week.”

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King Charles III will visit the United States next week
King Charles III will visit the United States next week (Getty)

Pressed on the issue, he said: “There will be appropriate security in place in relation to the risk, yes.”

He also said the prime minister, who has had an increasingly fractious relationship with the US president as a result of the UK’s refusal to be dragged into the Iran war, has sent a message to Mr Trump “in solidarity” after the incident.

“These are remarkable scenes. The prime minister has this morning sent a message to the President of the United States in solidarity for the events that took place”, Mr Jones said.

And in a statement on social media, Sir Keir Starmer wrote: “I am shocked by the scenes at the White House Correspondents’ Dinner in Washington overnight.

“Any attack on democratic institutions or on the freedom of the press must be condemned in the strongest possible terms. It is a huge relief that [the President], the First Lady and all those attending are safe.”

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The suspect, said to have been carrying a shotgun and handgun, has been identified as Cole Tomas Allen, 31, of Torrance, California.

He is understood to have been a guest in the Washington Hilton hotel, where the event was being held. He faces charges including assaulting an officer with a dangerous weapon, but acting Attorney General Todd Blanche said additional charges will be filed.

The president posted pictures on his Truth Social platform of the alleged assailant handcuffed on the ground following his detention, and described him as a “lone wolf whack job”.

Donald Trump claimed the gunman was a ‘lone wolf whack job’
Donald Trump claimed the gunman was a ‘lone wolf whack job’ (Reuters)

Mr Trump – who was attending the annual dinner for the first time as president – vowed to reschedule the disrupted event at a late-night press conference following the shooting, which he said had “unified” political opponents and the media.

The state visit, which begins at the end of the month, will mark the 250th anniversary of American independence and herald the start of celebrations across the US, with Charles and Camilla marking the milestone at a “block party”.

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The first time Charles and Camilla will meet the president and the first lady will be at a private tea, captured by cameras only.

Later, Mr Trump and the King will sit down for talks in the White House’s famous Oval Office while Camilla and Melania Trump take part in an event together.

Buckingham Palace said it does not comment on security matters.

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Women’s Six Nations: Why ‘muted’ England’s Six Nations dominance remains a concern

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Doctor Foster

Another day, another emphatic win for England.

The Red Roses jamboree roared into Bristol, attracting a record crowd for their third consecutive match at this Six Nations and bringing with it a sea of white shirts, red cowgirl hats and rose-petal headwear galore. And, most importantly, tries.

Fresh from crossing 12 times against Scotland at Murrayfield last week, England scored another 10 tries in a 62-24 victory over Wales – a result that leaves John Mitchell’s side top of the table with maximum points from three matches.

With a fifth consecutive Triple Crown secured, they remain on course for a record eighth straight Women’s Six Nations title.

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Impressive statistics. But attack coach Emily Scarratt told BBC Two the dressing room was a little “muted” after the game.

Yes, England won comfortably and without ever losing control to extend their record unbeaten run to 36 Tests, but this wasn’t the steamrollering many expected, with Wales – to use Mitchell’s word – “surprising” them.

The visitors scored four tries – including two in the final 10 minutes as England’s concentration wandered – to pick up a valuable bonus point, and twice profited after bamboozling England with their line-out routine.

England were, at times, guilty of poor discipline – giving away nine penalties – and sloppy handling. Improvements will need to be made by the time they face title rivals France in round five.

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“You’re always in a Test match when you play a team like Wales,” said Scarratt. “I thought they really brought it today and posed some different challenges for us, which is pretty awesome in our development.

“We still got a pretty good job done. There’s a muted sense in the group, which is obviously a really good feeling when you put a score on like that.”

But while Wales fired a couple of warning shots, this was another routine win for England and one that does little to assuage concerns the Six Nations is too predictable and their dominance may not benefit themselves and the game.

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‘World’s unluckiest’ dog faces heartbreak as he keeps being returned to kennels

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Little T-Rex is searching for a new home after being returned to kennels on numerous occasions through no fault of his own – earning him the title of one of the unluckiest dogs in the world

An adorable dog has been dubbed one of the ‘unluckiest’ in the world after being returned to kennels. T-Rex has been in and out of rescue shelters for the last four years through no fault of his own – and is again searching for a forever family.

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The 11-year-old has been described as a “sweet and gentle boy”, who has been extremely unlucky in his life. On TikTok, @seeandsavethedog said: “Volunteer favourite T-Rex has a heartbreaking story. This sweet and gentle 11-year-old guy has been in and out of the shelter numerous times since 2022 because his owner struggles with housing instability.

“Most recently he was turned in right before Christmas because the person stated they lost their housing. Poor T-Rex spent Christmas in the shelter, and has been waiting here ever since.

“The shelter is hard on any dog, but it is especially hard on seniors. T-Rex recently got an eye infection and recovered, and we hate to think of him stuck in a cold concrete cell during these rain storms.”

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The Los Angeles shelter in the US explained how T-Rex has a few jumps and skin issues and could do with some TLC.

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They added: “This guy is super mellow – he loves to roll on his back in the warm grass, soak up all the pets from his volunteer friends, and has done well with other dogs in playgroups (slow intros always recommended).

“We’re hoping that someone who can give him the love, stability, and attention he needs in his golden years sees this video and falls in love like we did!”

Commenting on his rehoming appeal, one user said: “Poor baby. I hope he gets a loving home.”

Another added: “He needs a loving home.”

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A third chimed in: “Loving arms to hold him close to the heart.”

One more person exclaimed: “OMG. He is adorable. Let’s find his fam.”

Sharing their expert advice, Dogs Trust explained the number one step new owners should take when welcoming a rescue dog into your home.

A statement reads: “While most puppies are relaxed and inquisitive, adult dogs may be worried when they arrive at your home.

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“You may find they hide at first and don’t seem to want to interact with you. Don’t worry – this is perfectly normal. To help them relax you should let them go at their own pace.

“Allow them to spend time on their own without disruptions and come to you when they are ready. They may come over and look at you, sit nearby or drop a toy at your feet.

“Avoid any visitors to the home during this time and make sure it is calm and quiet, so they get familiar with their new surroundings in peace.”

If you’re interested in rehoming T-Rex, contact North Central Animal Services Center via laanimalservices.com.

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BBC visits Chernobyl ghost city 40 years after world’s worst nuclear accident

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BBC visits Chernobyl ghost city 40 years after world's worst nuclear accident

On Sunday, Ukraine marks the 40th anniversary of the Chernobyl nuclear accident. Reactor number 4 at the plant exploded on 26 April 1986, spewing out radioactive material that would spread across swathes of Europe.

The official death toll from the incident in Chornobyl – as it is known in Ukrainian – is 31, but the wider impact of the accident remains contested and difficult to determine.

In 2005, a study by several UN agencies concluded 4,000 people could die as a result of the accident. Other estimates suggest the number could be higher.

The BBC’s Jessica Parker visited the nearby city of Pripyat where Chernobyl’s workers lived, but was abandoned shortly after the disaster.

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