The Martin Lewis Podcast

BBC Radio 5 Live

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

  • 27 minutes 17 seconds
    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].

    22 December 2025, 1:00 pm
  • 1 hour 3 minutes
    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].

    18 December 2025, 6:45 pm
  • 27 minutes 48 seconds
    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].

    15 December 2025, 1:00 pm
  • 1 hour 7 minutes
    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].

    11 December 2025, 6:50 pm
  • 33 minutes 14 seconds
    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].

    8 December 2025, 1:22 pm
  • 1 hour 3 minutes
    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].

    4 December 2025, 7:12 pm
  • 30 minutes 42 seconds
    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].

    1 December 2025, 1:17 pm
  • 27 minutes 40 seconds
    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.

    26 November 2025, 4:34 pm
  • 29 minutes 4 seconds
    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].

    24 November 2025, 1:00 pm
  • 55 minutes 32 seconds
    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].

    20 November 2025, 7:01 pm
  • 27 minutes 16 seconds
    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].

    17 November 2025, 1:00 pm
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