November premium bond winners | Unexpected moving costs | Credit score shake-up

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Can’t view the email properly? View it in your browser Home | Help centre |  Log in Money Hello Two lucky premium bond holders became overnight millionaires in today's NS&I prize draw. But are you one of the thousands who picked up a smaller prize? We've got a new way for you to check if your numbers come up for wins of £1,000 or more each month. Also this week, we reveal the costs that catch home movers out. Plus, find out what Experian's credit score shake-up means for you. Matthew Jenkin Which? Money expert TOP STORY Have you won a prize in today's draw? Two premium bond holders walked away with £1m in NS&I's November draw. Plus, plug your numbers into our new table to see if you've won a prize worth £1,000 or more. Check for winnings Editor's picks The hidden costs of moving home One in five people moving home in the last three years faced unexpected costs, according to our survey. We hear from homeowners on expenses to watch out for, and share our expert advice for surprise fees. What to prepare for Big banks fail to keep up on savings We've surveyed customers and tracked rates over 12 weeks to find the best savings providers. Our analysis reveals banks are falling behind, while lesser-known brands have become Which? Recommended Providers. The new savings WRPs Rise in rodent damage insurance claims This winter, rats and mice are escaping the cold and coming into your car! Aviva recorded a surge in motorists claiming for rodent damage, from gnawed wires to faulty engines. Will your insurance pay out? Avoid a rat-astrophe Why pension tracking could soon be easier Now in its first public testing phase, the government service shows where your pensions are held and how much they're worth. We explain what you need to know about pension dashboards. Key questions answered Switch broadband, get £25 ends soon Switch via Which? and get a £25 Amazon.co.uk gift card. Offer ends 5 November 2025. Gift card will be emailed 90 days after the offer ends. T&Cs apply. Find out more New Which? Money podcast Why savers should look for rates over 4% Listen time: 37 minutes This week, Which? money expert Matthew Jenkin and Head of News at Moneyfacts, Adam French, chat about how high street banks are lagging behind the savings rates offered by digital providers. Rates compared EXPERT TIP How to spot a 'phishing' scam Email scams, also known as 'phishing' scams, have become an increasingly common tactic used by fraudsters. The email usually appears to be from a well-known brand or retailer. But the link in the message will send you to a spoofed website where you'll be asked to enter your personal information. If you do this, you'll be handing your details to the scammer. Tali Ramsey, Which? consumer rights expert The latest scam alerts Other top stories this week Experian is shaking up its credit score system – we explain what your new score means We reveal the most popular banks to switch to in 2025 and the best deals available Thinking about selling your home? We help you weigh up when is the right time, plus tips for selling quickly Buy now, pay later firm Klarna has launched its first UK debit card – we take a closer look at what's on offer With annuity rates remaining high, it's worth shopping around for the best deal – here's how Shrinkflation latest: From chocolates to toothpaste, these are the grocery items that are charging more for less Should you go for a two or five-year mortgage? – 5 things to consider when choosing your mortgage term Speeding convictions can cost you more than a penalty, it could also push up your car cover. Here's by how much The Renters' Rights Act has become law. Find out how the new rules will impact you Our travel experts have rounded up the best museums and galleries in the UK, with plenty of free and cheap options Put to Rights 'LV hiked my premium by £500 shortly after I claimed for a damaged phone'. How we solved this money problem Explore Which? Money Pensions and retirement Savings and Isas Credit cards and loans Investing Wills and probate Mortgages and property Insurance Tax Banking How useful would you rate the information in this email? Free newsletters for everyone – get expert tips from Which? emailed to you regularly At Which? we're committed to protecting your personal information when you use our services or buy our products. Our privacy policy explains how we use any personal information we collect when you visit our websites. This email uses a 'clear image gif' to track interactions with the email, for example to see whether it has been opened. 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