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Cervical screening is a free health test that helps prevent cervical cancer. It checks for a virus called high-risk human papillomavirus (HPV) and, if you have HPV, cervical cell changes (abnormal cells).
What is cervical screening?
Cervical screening is a free health test available on the NHS as part of the national cervical screening programme. It helps prevent cervical cancer by checking for a virus called high-risk HPV and cervical cell changes. It is not a test for cancer.
It is your choice whether to go for cervical screening. We hope this information helps you make the best decision for you and your health.
If you have symptoms, contact your GP surgery about having an examination. Cervical screening is not for people who have symptoms.
Who is invited for cervical screening?
You should be invited for cervical screening if you have a cervix. Women are usually born with a cervix. Trans men, non-binary and intersex people may also have one.
In the UK, you are automatically invited for cervical screening if you are:

• between the ages of 25 to 64
• registered as female with a GP surgery.

You may get your first invite up to 6 months before you turn 25. You can book an appointment as soon as you get the invite.
How often will I be invited for cervical screening?
Your cervical screening result will help decide when you are next invited for cervical screening.
You may be invited:

• every year
• every 3 years
• every 5 years
• straight to colposcopy for more tests.

Cervical screening invites and coronavirus
Across the UK, cervical screening invites are being sent. If you had your test cancelled because of coronavirus, you are now able to book an appointment.
What are the benefits and risks of cervical screening?
You are invited for cervical screening because evidence shows that the benefits of the test outweigh any risks. Along with the HPV vaccine, cervical screening is the best way to protect against cervical cancer and prevents over 7 in 10 diagnoses. However, like any screening test, cervical screening is not perfect and there are some risks.
Benefits of cervical screening

• Cervical screening aims to identify whether you are at higher risk of developing cervical cell changes or cervical cancer. This means you can get any care or treatment you need early.
• England, Scotland and Wales now use HPV primary screening, which is even better as it is based on your individual risk. This means how frequently you are invited for cervical screening is based on your last result and within a timeframe that is safe for you.

Possible risks of cervical screening

• In a few cases, cervical screening will give an incorrect result. This means it may say someone does not have HPV or cell changes when they do (a false negative). Going for cervical screening when invited can help reduce this risk, as it is likely HPV or cell changes that were missed would be picked up by the next test. It also means a result may say someone does have HPV or cell changes when they don’t (a false positive), which could mean they are invited for tests or treatment they don’t need.
• Sometimes cell changes go back to normal without needing treatment. At the moment, we can’t tell which cell changes will go back to normal, so treating means we can be sure we are preventing them from developing into cervical cancer. This means some people may have unnecessary treatment, which is called overdiagnosis or overtreatment. Using HPV primary screening should help prevent this.

It is hard to know exactly how many people are affected by these risks. But we do know, for those aged 25 to 64, the benefits of cervical screening outweigh the risks and most results will be clear.
Opting out of cervical screening
If you decide not have cervical screening, ask your GP to be taken off their invite list. If you change your mind, you can ask your GP to add you back to the list at any time.
Jo's Cervical Cancer Trust is an independent charity and cannot opt you out of the National Cervical Screening Programme.
Cervical screening FAQs
What is the difference between cervical screening and a smear test?
A smear test is the older name for the test. It was called that because of the way the test used to be done – cells were smeared on a glass slide, which was sent to the laboratory for testing.
The test is different now and most healthcare professionals call it cervical screening. Your letter will invite you to attend cervical screening, which is why we call it that in our information.
Does cervical screening check anything other than the health of my cervix?
No. Cervical screening is only designed to find high-risk HPV or cervical cell changes which, if not monitored or treated, may eventually develop into cervical cancer. It does not check for other conditions or any cancers.
Why can’t I have cervical screening unless I am age 25 to 64?
It is very rare to develop cervical cancer under the age of 25. It is also rare to develop cervical cancer over the age of 64, if you have had regular cervical screening.
Cervical screening is not for people with symptoms. If you are worried about symptoms, see your GP for an examination.
Should LGBT+ people with a cervix go for cervical screening?
All women and people with a cervix between age 25 and 64 can go for regular cervical screening, no matter their sexual orientation or gender identity.
Most cervical cell changes and cervical cancers are caused by persistent infection with HPV. As HPV can be passed on through any skin-to-skin contact in the genital area, anyone having any kind of sex is at risk of getting it.
Do I need cervical screening after hysterectomy or another treatment?
If you have previously had treatment that affected your cervix for any reason, you may no longer be invited for cervical screening. These treatments include:

• A total hysterectomy. This is an operation that removes the womb and cervix. If you have had a total hysterectomy, you will not be invited for cervical screening as there is no cervix to take a sample of cells from.
• Pelvic radiotherapy. This is a treatment that directs radiation at the part of the body between the hipbones (pelvis). It can damage the cells of the cervix and make it harder to tell if there are any changes, so you may not be automatically invited for cervical screening. Your doctor may do a separate follow up appointment with you.

After these treatments, your healthcare team may want you to have a different test called a vault smear. This takes a sample of cells from your vagina and tests them to check that they are healthy. Whether you are offered vault smears and how long you are offered them for depends on your individual situation.
Should I go for cervical screening if I am pregnant?
It is usually recommended that you do not have cervical screening while you are or could be pregnant. Pregnancy can make the result of your test harder to interpret.
If you are invited for cervical screening while pregnant, tell your doctor or nurse you are pregnant. You should wait until 3 months after your baby is born to have the test.
If you need follow-up after an abnormal cervical screening result or treatment for cell changes, you may need to have the test while pregnant. Your GP or midwife may ask you to have it at your first antenatal appointment. This test will not affect your pregnancy.
If you are planning a pregnancy
Ask your doctor or nurse if you are up to date with your cervical screening. This means that any tests or treatment can be arranged around the pregnancy.
I have HIV. How often should I go for cervical screening?
HIV can make your immune system very weak, meaning it is not as able to get rid of HPV that causes most cervical cancers. If you have HIV, speak with your healthcare team about going for cervical screening every year. Annual cervical screenings are usually taken outside of the NHS National Screening Programme.

Cervical screening aged 65 or over
If you are aged 65 or over, you will no longer be invited for cervical screening (a smear test) unless you are being followed up for cell changes (abnormal cells). You may feel worried or anxious about this, but it is because the benefits of cervical screening start to become less as we get older.
Why do I stop getting invited for cervical screening when I turn 65?
Cervical cancer usually develops very slowly. In fact, it’s estimated that it takes between 10 and 20 years for a high-risk human papillomavirus (HPV) infection to develop into cell changes and then into cervical cancer. Because it develops so slowly, it is very unlikely you will develop cervical cancer if you are 65 and have gone for cervical screening when invited.
You won’t get any more invites once you turn 65, if your last cervical screening result was normal. If you had an abnormal result, you will continued to be invited until you have no sign of HPV (HPV negative) or have completed your individual follow up.
What if I have never been for cervical screening?
If you are 65 or older and have never had cervical screening, you are entitled to a test. If you want, you can book an appointment with your GP surgery.
What if I have symptoms?
It is important to be aware of the symptoms of cervical cancer, including:

• bleeding after the menopause (post-menopausal bleeding)
• pain or feeling uncomfortable during sex
• vaginal discharge that is unusual for you – for example, it being thicker or smelling bad
• unexplained lower back pain that lasts for a long time.

All of these symptoms can be things other than cervical cancer, but if you have any, see your doctor or nurse and get them checked out.

Cervical screening aged 24 or under
In the UK, you are invited for cervical screening (a smear test) from age 25 until age 64. Cervical screening is not recommended for anyone under 25 years old.
You may get your first invite up to 6 months before you turn 25 – if you do, you don’t have to wait to book an appointment.
Why does cervical screening start at 25?
Cervical cancer is very rare in under-25s. In the UK, per 100,000 women:

• about 4 people are diagnosed with cervical cancer under the age of 25 – less than 1% of cases
• there is an average of 0 deaths from cervical cancer among under-25s.

Cervical screening doesn’t reduce cervical cancer diagnoses in under-25s
Cervical screening hasn’t been shown to reduce the number of cervical cancers in under-25s.
We know this because, in countries where cervical screening starts at 20 years old, the number of people under 25 diagnosed with cervical cancer is not significantly different than in countries that start screening at 25 years old.
The number of under-25s diagnosed with cervical cancer is likely to fall even further over the next 10 years thanks to the human papillomavirus (HPV) vaccine.
Under-25s may be offered unnecessary treatment
Research suggests that the risks of offering cervical screening under the age of 25 outweigh the benefits. When you are under 25, it is common to have changes in the cells of your cervix (abnormal cells) and these usually go away by themselves.
Knowing about these cell changes could lead to treatment when the changes may simply have gone away on their own. It can also lead to anxiety or upset.
There are also potential risks with some treatments, including a slightly increased risk of early (premature) birth if you get pregnant in future.
What if I have symptoms?
Although cervical cancer is very rare if you are under 25, it is important for all of us to be aware of cervical cancer symptoms, including:

• vaginal bleeding that is unusual for you (abnormal bleeding) – this is the most common symptom and may happen during or after sex, or in between periods.
• vaginal discharge that is unusual for you – it may have a different smell, look or consistency (for example, it may be thicker)
• pain or discomfort during sex
• unexplained lower back pain that lasts a long time.

Remember, things other than cervical cancer could cause all of these symptoms. For example, abnormal vaginal bleeding is very common and can happen for lots of different reasons that are not linked to cancer, including:

• cervical ectropion (a normal change, sometimes called an ectropion)
• hormonal changes because of the combined contraceptive pill
• benign cervical polyps
• sexually transmitted infections (STIs), such as chlamydia.

What should I do if I have symptoms?
If you have any symptoms, don’t ignore them! It is important to see your doctor or nurse as soon as possible. Remember it is unlikely to be cervical cancer, but it’s still very important to get it checked out.
The NHS has guidelines for doctors and nurses to support young women and people with a cervix aged 20 to 24. It says you should be offered a pelvic examination by a doctor or nurse if:

• you are bleeding after sex
• you are bleeding in between your usual periods.

The guidelines explain the types of questions that doctors and nurses should ask to find out whether the symptoms could be related to cervical cancer.
Some people find it embarrassing to talk about gynaecological problems. If you feel like this, you are not alone. But remember your doctor or nurse talk about these things all the time, so won’t be embarrassed. If you want, you can take someone you trust with you for support during your appointment.
More information and support
If you have symptoms you are worried about, or have heard stories about a young person getting cervical cancer, you may feel very anxious about not being able to have cervical screening. Remember, there is support in place if you do have symptoms and your doctor or nurse should be able to offer the right help and guidance.

Cervical screening for trans men and/or non-binary people
This information is for trans men and/or non-binary people, but may be useful for anyone interested or wanting to offer support. It explains the process of going to a cervical screening (smear test) appointment and aims to offer support with any challenges you may face.
Will I be invited for cervical screening?
Currently, only people who are registered as female with their GP surgery or clinic are automatically invited for cervical screening.
If you are registered as male, aged between 25 and 64, and want to go for cervical screening, you can:

• ask your GP surgery to send you invites directly – they may be able to add a reminder to your medical record
• put a reminder in your phone or calendar to ask for an appointment every 3 or 5 years, depending on your age and where you live.

There are also expert clinics, including some trans-led clinics, that offer cervical screening. Although these clinics can’t invite you automatically, you can book an appointment with one.
Telling GP surgery staff you are trans and/or non-binary
If you are registered as male at a GP surgery and they do not know you have a cervix, it is possible that the person you speak with may be confused or have questions about your request to book a cervical screening appointment. Equally, if you are a non-masculine non-binary person, you may be misgendered and talked to as a woman.
You have a right to privacy and you do not have to disclose that you are trans and/or non-binary to anyone. However, if you feel comfortable letting someone at your GP surgery know, they may be better able to support you as an individual and avoid situations that may be distressing for you. You could:

• Identify a member of staff that you feel comfortable with. This might be reception staff or clinical staff, such as a doctor or nurse, who you have seen before. It might feel easier to tell them privately or, even if they do not formally know, they may already have an innate understanding of who you are and how best to support you.
• Ask a trusted person to speak to your GP surgery on your behalf. You may need to provide verbal or written permission for this.
• Write it down, either in an email before your appointment or to hand over at the surgery. This may feel easier than speaking it out loud. You could also include any important information, like your pronouns or language you would prefer the reception staff or your nurse to avoid.

Taking control of your appointment
Making decisions about how you want your appointment to go can help you feel more in control. It can also help avoid situations that could be triggering for you. Here are some examples that may help:

• Ask for a phone or video appointment with the nurse before your cervical screening appointment. If you don’t know them, this will give you a chance to introduce yourself and talk as much or little as you’d like about your gender identity, preferred language, and so on.
• Ask if you can bring a trusted person. Having a partner or friend with you at any point before, during or after the appointment may help you feel more comfortable about the test itself, talking with the nurse, and managing any triggers.
• Ask to book a longer appointment. This allows you extra breathing space, as well as time to talk or ask questions, before and after the test. It means you can take the appointment at a pace that is more comfortable for you.
• Ask for an appointment with a nurse of a particular gender. Be aware that this may not always be an option if all nurses at your GP surgery are the same gender.

Expert clinics
There are clinics specialising in trans healthcare that offer cervical screening. Some are trans-led and all offer a safe, confidential space to have your appointment and discuss any worries. Many of these clinics are in major cities, so we know it may not be possible for you to visit one. We hope the other tips on this page will help if this is the case.

• 56T at 56 Dean Street in London >
• The Butterfly Clinic in Liverpool >
• Clinic T in Brighton >
• CliniQ in London >
• My Body Back in London >
• My Body Back in Glasgow >

My husband(27M) and I(28F) have been married a little over a year now, but I don't think he wants to be with me; and I'm pretty sure he decided that pretty much immediately after our wedding day.
We were only married for a few month before he dropped the bomb on me that he basically thought I was being unfaithful to him. (I have never, and will never do that to him) He had apparently gone through my phone and thought that some of my male friends were being inappropriate and I was allowing it. His examples : a conversation with me and a male who asked if I'd like to hang out, to which I said we had different schedules and it just wouldn't work out. In multiple other strings of convos with this friend we had spoken about how I got married, and my partner and I are always looking for more people to hang out with(basically making it very clear that I wouldn't hang out with him alone) but we're always so busy or tired. Another was a snapchat response to my story where someone said "beautiful", and I never responded. Mind you snapchat deletes after view, but mine is not set up that way, so he could see all of the conversations he wanted, if he wanted. It all came to a head one night when I got a message notification at about 11pm(I know that's late so I understand how he felt, I am not dismissing his feelings) but we were watching a movie so I slid down, saw it was no one important, and closed my phone. I felt his mood change, asked what was wrong and he decided bed was best.
The next morning he woke up and while at work decided he needed to tell me he didn't appreciate "all these dudes" being in my phone and we needed to talk. I was genuinely confused and simply said ok, and waited for him to come home.
When he got home he tried to avoid me and I admittedly got in his way to force him to talk, he got heated and started yelling. Saying to everyone, I'm his wife, everything he does is for his wife, doesn't he do enough? Is he not enough? Does he lack in giving me attention, just spilled over with so much intense emotion saying I entertain men..
I shut down, I didn't even know what to say, I apologized? I don't even know why?
I have been in so many toxic relationships and this was the first healthy feeling one, I panicked..I dropped to my knees, told him to go through my phone, that I'd never cheat. He said he did and he felt disrespected. In that moment I started to feel betrayed and I shut down again...I said nothing I let him talk, he cried said he just loved me and felt like he was losing me, I still had no words..if he went through my phone why is this the reaction? I've done nothing..did I say thank you to someone who called me beautiful? Probably? That's not enough for him to feel disrespected?
I felt defeated, he threw out names, and I said fine they're blocked, deleted, gone. I don't care about them, I care about him..but I know that wasn't satisfying to him..
We don't have sex, it feels so forced..I don't think he loves me, I think we're already just going through the motions...he talks about us creating a family all the time, but he never wants me..not physically in any way..I cry so much..
TL;DR: What should I do? I've tried talking to him about needing more intimacy, and he says he'll try. But I'm always left feeling like this just isn't what he wants..

My experience is terrible, I would surely not recommend buying via Buycycle to anyone. After placing the order, both the seller and I had to reach out multiple times to Buycycle to organize the shipment. The seller wasted 2 days at home where the bike wasn't picked up. After shipment the same happened to me, I spent 2 days at home instead of at work and nothing got delivered.
The worst part of all of this is that the customer service via phone is shut down. They did reply to email traffic, but they just don't deliver on the actions they share making them totally unreliable.
In summary:

• The seller wasted 2 days at home for a pickup that didnt happen
• Pickup only happened after both the seller and I reached out multiple times, no proactiveness from Buycycle
• I wasted 2 days on a delivery that didn't happen, again no proactiveness and no response to mail
• Phone is unreachable

If you decide to use the platform, I would suggest waiting a bit until the stream of issues that you can easily find slows down. Also call the customer support and see if they don't give you the "too busy, we can't take your call" automatic message. Don't set yourself up for disappointment.
I honestly hope someone at Buycycle reads this. And please don't share your apology or statement that you're working on things etc. Rather spend that time on actually getting better for other users, because to me your words themselves proved to be meaningless.

I’m a young man living in an affluent gated community in a major city. Most of the people living here are professional couples or families.
I use the gym and often notice petty notes about things that an average person would just ignore. For example, recently, I went in and saw a note complaining about people spraying detergent to clean the machines.
We also often receive emails from the concierge about estate matters such as plants on balconies.
I have come across countless other petty complaints.
Why are affluent people more susceptible to complaining about trivial matters?

I've put together a write up on CBOX below, let me know what you guys think!
~Thesis Summary~
CBOX is an owner-operator, positive cash flowing business with a significant growth run way that could see it double its revenues within the next 4 to 5 years. Recent events (website security breaches, accounting irregularities and a high inflationary environment) have led to a depressed stock price, however, the company has proactively rectified these issues, maintained a healthy balance sheet, and continued to execute its growth plan. At time of writing the share price is £1.70, in my opinion, a conservative valuation estimates the fair price to be between £3.31 to £3.91 provides a 64% to 79% margin of safety.

~Company Overview~
CBOX is a franchisor of small unit stores that sell egg free celebration cakes. It was founded in 2008 by Sukh Chamdel in London before franchising its first store in 2009. CBOX caters to a core niche market of people with religious dietary requirements (such as Hindus and Sikhs) which prohibits the consumption of eggs. However, their quality of cakes also appeal to the wider population too. At IPO in 2018 CBOX had 100 stores and have now grown to over 215 as of 2023. The management have set a target of reaching 400 stores across the UK (no specific timeframe has been provided), therefore, there is a significant opportunity for further growth.

~Business Model~
From small store units that are often based outside of city centres, CBOX provide customers with eggless fresh cream cakes. Customers can purchase in store, online or have the cakes delivered to their home. The cakes are reasonably priced and offer a personalised message as part of the purchase price. I do not claim to be a cake connoisseur, however, after trying their cakes myself, they tasted fresh, light, and those in my company also thoroughly enjoyed them. The process of purchasing in store with a personalised message was also extremely quick and simple.

There are three revenue streams – the initial franchisee setup fee (approximately £160k per store), margins on products which are purchased through the CBOX website and their largest source which is the franchisee’s purchasing of raw product.

Supplies (sponges, fresh cream, etc) are delivered to the franchisees across the UK via three warehouse and distribution centres based in London, Coventry, and Bradford. Each individual store is deemed ‘mature’ after operating for 12 months or longer. On average each store makes £6700 per week (£350k yearly turnover) and takes approximately 18 to 24 months for the franchisee to pay off their initial franchise fee. Management talks of a 70/30 split between franchisee and franchisor and emphasises the point of caring for their franchisees. Culminating all revenue streams, historically around 46% of revenue from franchisees made its way through to CBOX.

The barriers to entry into the cake industry are low and it is a highly competitive market. Competitors include small independent stores, large supermarkets, internet-based bakeries, cafes, and a CBOX imitator named Eggless Cake Shop. In my opinion, there is no lollapalooza moat demonstrated by CBOX, however, there are several smaller advantages that they execute well. They differentiate themselves with a niche offering of eggfree cakes and offer customers a personalised message. This sets them apart from the likes of the supermarkets who do not offer the personalisation nor eggfree selection. There are also several tailwinds in the sector that could assist CBOX. In the UK the Asian population has seen the greatest rise out of any minority group in the last decade (a 27% increase according to the 2021 census) which is continuing to grow. In addition, over the last decade there has been a shift towards plant-based diets. Although egg free cakes are not vegan (due to the fresh cream and butter), they may provide an alternative to those that have allergies or are more conscious of their consumption of animal products. CBOX has also recently brought out a vegan selection which is another growing market they be able to capitalise on. According to the European Good Food Institute, the plant based market is a £1 billion market and growing rapidly. Time will tell if they are successful here.

~Financial Health~
The business is asset light, carries a low amount of debt of £10 mil (which could easily be offset with their £7 mil of cash or paid off within three years using their free cash flow (not including dividends)) and have been cash flow positive since IPO. Revenues (from 2017 to 2023) have grown at a compounded annual growth rate of 30% with owners’ earnings during the same period compounding at 25%. ROE and ROIC have remained steadily above 20% since IPO which suggests that management is deploying capital effectively. The company has also demonstrated its durability as it grew during the great recession, the COVID-19 pandemic and most recently during the high interest rate environment.

201820192020202120222023 Revenue (£ in thousands)12,73916,90918,74221,91132,96534,801 Net income (margins)2,768 (22%)3,002 (18%)3,219 (16%)3,367 (15%)6,312 (19%)4,237 (13%) Owners’ earnings2,756 (22%)1,839 (11%)2,554 (14%)4,054 (19%)5,919 (18%)3,959 (11%) ROE110%54%31%38%33%24% ROIC45%21%23%30%33%21%
~Table 1: CBOX financials~

~Management~
The CEO and co-founder Sukh Chamdel has significant skin in the game and owns 25.41% of the company. As demonstrated in the ROE and ROIC above, to date, Mr Chamdel has allocated capital well. Both ROE and ROIC dipped in 2023 which was attributed to inflationary pressures, labour shortages and the Ukraine war which seem like plausible reasons. He has also grown the company’s book value from 0.06 (per share) in 2017 to 0.44 in 2023. In 2021 Mr Chamdel sold shares at the peak of the market to diversify his wealth. Since IPO no additional shares have been issued and Mr Chamdel has commented that he has no intentions of raising equity which could dilute current shareholders.

Since 2019 the company has paid a dividend to investors. Last year (2023) £3 million was paid out in dividends which was 75% of owners’ earnings. This is a significant dividend and in some ways is positive that they are repaying shareholders. However, in my opinion, I would prefer to see this capital deployed in areas, such as, marketing (to increase brand awareness which is still limited within the UK), and potentially share repurchases (this may become more attractive as the company matures). In FY23 CBOX spent £308k on advertising which they have not done previously. This suggests that management is beginning to explore this option.

In 2021 financial irregularities were identified within the annual report. It is important to note that this did not result in criminal proceedings. The company responded by replacing the CFO (who was the co-founder) and employed other experienced individuals, such as, Michael Botha who held senior roles with Dominos. In my opinion, this was a good appointment as he is a qualified accountant (the previous CFO was not) which may help to reduce further irregularities and arrives with experience from a successful franchise business. This incident was a concern and should not be dismissed, however, it appears to be the result of a young growing company adapting to the public market as opposed to something more sinister. However, this should continue to be monitored.

~Risks~
As mentioned previously the baking/cake industry is highly competitive which could impact on CBOX’s market share and ability to grow. This could come in the form of a supermarket providing an eggless range. At present there is no evidence of this (although supermarkets have been expanding their “free from” ranges). If this was to occur, CBOX could still differentiate themselves with the personalisation element. It is noted that Waitrose (a large higher end UK supermarket) does offer personalised messages to their cakes, however, from their website they require eight days’ notice for this service, CBOX can do this in store or on the same day. CBOX’s size and ‘nimbleness’ to change and adapt may also be an advantage here against larger supermarkets. There are other examples in the baked food industries where smaller stores (by square ft of floor space), such as Greggs, have lived side by side with supermarkets which offer similar products (pastries and other baked goods) which suggests CBOX could do the same.

An emerging competitor could also enter the market and steal market share from CBOX. At present CBOX is the dominant player nationally in the egg free cake market, they are executing well, providing customers with value and continuing to grow their store count. In my opinion, it would be challenging for a startup to compete with CBOX directly due to their size, infrastructure, and relationship with vendors. The closest example to this at present is Eggless Cake Shop who according to their website have 26 stores which are largely based in the Midlands. CBOX have over 200 stores and so arguably could use their size to negotiate favourable terms with suppliers. Although smaller competitors are a threat and should be monitored, it is also encouraging that there are imitators which is further evidence of the market growing and CBOX’s successful and attractive business model. In my opinion a greater threat to CBOX would be a larger competitor, such as, a supermarket or Gregg’s with greater resources moving into eggless cakes.

If CBOX suffered further accounting inconsistencies this would be a concern and suggest there may be something more sinister at work or that they had failed to fully rectify the previous issues which would indicate incompetence at management level. As mentioned previously, it appears that management have been proactive in resolving these difficulties and there has been no further evidence of this since.

Utilising the franchise business model has advantages such as minimal capital requirements for further growth, however, a drawback is that they have less control over their franchisees. This can lead to poor quality franchisees damaging the reputation of the company if they perform badly. To date there is limited evidence of this, however, as the store count grows management will need to be proactive with quality control and maintaining ties with franchisees. From review of Mr Chamdel’s presentations and interviews, he consistently talks about developing the franchisor – franchisee relationships and references issues that Dominos had when they failed to maintain ties. This gives me confidence that management has insight into the importance of this. Nonetheless it remains a risk that needs to be managed in the future.

~Future Outlook~
As mentioned previously, CBOX currently have 205 stores and are targeting a total of 400 across the UK. This suggests that the company still has a significant run way for growth domestically, particularly, across northern England, Scotland, Wales and Northern Ireland (some of these territories have very little (if any) penetration; see table 2 below for details). Management have not indicated an approximate timeline to reach their 400-store target and refer to it as a “longer term target”. Over the last 5 years the company on average has opened 24 stores per year (the CEO has a bonus incentive to open at least 24 per year). If the company were to continue opening 24 stores per year, they would reach their 400-store target in around 8 years. It is acknowledged that as the company matures, and the market begins to saturate that the store growth count may slow.

In addition to the growth in store count, CBOX have made investments in other areas of the business that could add value. Over the lockdown period in the UK they invested heavily in their website which has saw an increase in online sales. Online sales which grew 4.1% in FY23 (to £13.8 million, which previously grew 41% due to COVID restrictions) have continued to grow and will help to optimise the stores. Management have also experimented with selling their produce through kiosks within supermarkets (currently 18 as of 2023). As the kiosks are a new concept, they have not detailed how profitable they have been.
The vegan market and international expansion are also other avenues for growth. Mr Chamdel expressed that he is focusing on the UK market (which in my opinion is sensible) and nowhere in the annual reports is international expansion mentioned. However, during an interview for a podcast Mr Chamdel noted that New York and Toronto would be appealing destinations due to the high population of Sikhs. This appears to be a longer-term growth plan following the saturation of the UK market.

~Valuation~
Below I provide two means of company valuation. Firstly using a DCF: in FY23 CBOX reported operating income of £5.8 mil (which was significantly lower than the previous year due to higher interest rates and inflationary pressures). In my opinion this is likely to improve as revenues continue to grow, and these pressures alleviate. CAPEX is generally between £1 to £2 mil, erring on the side of caution this leaves us with £3.8 mil of free cash flow. The table below (table 2) displays the cash flow projections over the next 5 years discounted back at a 15% required rate of return and a 2.5% terminal value. Since IPO, free cash flow has grown on average at 24% compared to 15% over the previous 3 years, EPS on the other hand has grown at 20% and 11% respectively. Therefore a conservative growth rate of between 10% and 15% seems reasonable. With these assumptions (and after subtracting total net debt of 2.8 mil) CBOX’s fair value is estimated to be between £9.72 and £11.85. There are a number of assumptions to make with DCFs which can significantly impact on the outcomes, therefore, my preference is for the valuation method below.
An alternative and more simplistic means of valuation is to look at the numbers after they achieve their goal of 400 mature stores (a similar valuation is presented here). Four hundred mature stores would produce around £66 mil in revenue for CBOX which is just under double what they reported in FY23. If we assume that in this final phase CBOX returns to their average of 18% net margin we can expect a profit of £11.8 mil. This translates to an earnings per share of £0.3. For a company with limited growth prospects, in my opinion, a reasonable multiple to pay would be between 8 to 10 times earnings which works out at £2.4 to £3 per share. Adding back what they do not pay out as dividends over the next 5 years which is estimated at 0.91 per share which results in a price range of £3.31 to £3.91 per share. At the current stocks price (£1.70) this provides roughly a 64% to 79% margin of safety. It is also important to note the 5% dividend yield that CBOX is also paying.

Another useful CBOX write-up can be found on Value Investors Club here.

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I've put together a write up on CBOX below, let me know what you guys think!
~Thesis Summary~
CBOX is an owner-operator, positive cash flowing business with a significant growth run way that could see it double its revenues within the next 4 to 5 years. Recent events (website security breaches, accounting irregularities and a high inflationary environment) have led to a depressed stock price, however, the company has proactively rectified these issues, maintained a healthy balance sheet, and continued to execute its growth plan. At time of writing the share price is £1.70, in my opinion, a conservative valuation estimates the fair price to be between £3.31 to £3.91 provides a 64% to 79% margin of safety.

~Company Overview~
CBOX is a franchisor of small unit stores that sell egg free celebration cakes. It was founded in 2008 by Sukh Chamdel in London before franchising its first store in 2009. CBOX caters to a core niche market of people with religious dietary requirements (such as Hindus and Sikhs) which prohibits the consumption of eggs. However, their quality of cakes also appeal to the wider population too. At IPO in 2018 CBOX had 100 stores and have now grown to over 215 as of 2023. The management have set a target of reaching 400 stores across the UK (no specific timeframe has been provided), therefore, there is a significant opportunity for further growth.

~Business Model~
From small store units that are often based outside of city centres, CBOX provide customers with eggless fresh cream cakes. Customers can purchase in store, online or have the cakes delivered to their home. The cakes are reasonably priced and offer a personalised message as part of the purchase price. I do not claim to be a cake connoisseur, however, after trying their cakes myself, they tasted fresh, light, and those in my company also thoroughly enjoyed them. The process of purchasing in store with a personalised message was also extremely quick and simple.

There are three revenue streams – the initial franchisee setup fee (approximately £160k per store), margins on products which are purchased through the CBOX website and their largest source which is the franchisee’s purchasing of raw product.

Supplies (sponges, fresh cream, etc) are delivered to the franchisees across the UK via three warehouse and distribution centres based in London, Coventry, and Bradford. Each individual store is deemed ‘mature’ after operating for 12 months or longer. On average each store makes £6700 per week (£350k yearly turnover) and takes approximately 18 to 24 months for the franchisee to pay off their initial franchise fee. Management talks of a 70/30 split between franchisee and franchisor and emphasises the point of caring for their franchisees. Culminating all revenue streams, historically around 46% of revenue from franchisees made its way through to CBOX.

The barriers to entry into the cake industry are low and it is a highly competitive market. Competitors include small independent stores, large supermarkets, internet-based bakeries, cafes, and a CBOX imitator named Eggless Cake Shop. In my opinion, there is no lollapalooza moat demonstrated by CBOX, however, there are several smaller advantages that they execute well. They differentiate themselves with a niche offering of eggfree cakes and offer customers a personalised message. This sets them apart from the likes of the supermarkets who do not offer the personalisation nor eggfree selection. There are also several tailwinds in the sector that could assist CBOX. In the UK the Asian population has seen the greatest rise out of any minority group in the last decade (a 27% increase according to the 2021 census) which is continuing to grow. In addition, over the last decade there has been a shift towards plant-based diets. Although egg free cakes are not vegan (due to the fresh cream and butter), they may provide an alternative to those that have allergies or are more conscious of their consumption of animal products. CBOX has also recently brought out a vegan selection which is another growing market they be able to capitalise on. According to the European Good Food Institute, the plant based market is a £1 billion market and growing rapidly. Time will tell if they are successful here.

~Financial Health~
The business is asset light, carries a low amount of debt of £10 mil (which could easily be offset with their £7 mil of cash or paid off within three years using their free cash flow (not including dividends)) and have been cash flow positive since IPO. Revenues (from 2017 to 2023) have grown at a compounded annual growth rate of 30% with owners’ earnings during the same period compounding at 25%. ROE and ROIC have remained steadily above 20% since IPO which suggests that management is deploying capital effectively. The company has also demonstrated its durability as it grew during the great recession, the COVID-19 pandemic and most recently during the high interest rate environment.

201820192020202120222023 Revenue (£ in thousands)12,73916,90918,74221,91132,96534,801 Net income (margins)2,768 (22%)3,002 (18%)3,219 (16%)3,367 (15%)6,312 (19%)4,237 (13%) Owners’ earnings2,756 (22%)1,839 (11%)2,554 (14%)4,054 (19%)5,919 (18%)3,959 (11%) ROE110%54%31%38%33%24% ROIC45%21%23%30%33%21%
~Table 1: CBOX financials~

~Management~
The CEO and co-founder Sukh Chamdel has significant skin in the game and owns 25.41% of the company. As demonstrated in the ROE and ROIC above, to date, Mr Chamdel has allocated capital well. Both ROE and ROIC dipped in 2023 which was attributed to inflationary pressures, labour shortages and the Ukraine war which seem like plausible reasons. He has also grown the company’s book value from 0.06 (per share) in 2017 to 0.44 in 2023. In 2021 Mr Chamdel sold shares at the peak of the market to diversify his wealth. Since IPO no additional shares have been issued and Mr Chamdel has commented that he has no intentions of raising equity which could dilute current shareholders.

Since 2019 the company has paid a dividend to investors. Last year (2023) £3 million was paid out in dividends which was 75% of owners’ earnings. This is a significant dividend and in some ways is positive that they are repaying shareholders. However, in my opinion, I would prefer to see this capital deployed in areas, such as, marketing (to increase brand awareness which is still limited within the UK), and potentially share repurchases (this may become more attractive as the company matures). In FY23 CBOX spent £308k on advertising which they have not done previously. This suggests that management is beginning to explore this option.

In 2021 financial irregularities were identified within the annual report. It is important to note that this did not result in criminal proceedings. The company responded by replacing the CFO (who was the co-founder) and employed other experienced individuals, such as, Michael Botha who held senior roles with Dominos. In my opinion, this was a good appointment as he is a qualified accountant (the previous CFO was not) which may help to reduce further irregularities and arrives with experience from a successful franchise business. This incident was a concern and should not be dismissed, however, it appears to be the result of a young growing company adapting to the public market as opposed to something more sinister. However, this should continue to be monitored.

~Risks~
As mentioned previously the baking/cake industry is highly competitive which could impact on CBOX’s market share and ability to grow. This could come in the form of a supermarket providing an eggless range. At present there is no evidence of this (although supermarkets have been expanding their “free from” ranges). If this was to occur, CBOX could still differentiate themselves with the personalisation element. It is noted that Waitrose (a large higher end UK supermarket) does offer personalised messages to their cakes, however, from their website they require eight days’ notice for this service, CBOX can do this in store or on the same day. CBOX’s size and ‘nimbleness’ to change and adapt may also be an advantage here against larger supermarkets. There are other examples in the baked food industries where smaller stores (by square ft of floor space), such as Greggs, have lived side by side with supermarkets which offer similar products (pastries and other baked goods) which suggests CBOX could do the same.

An emerging competitor could also enter the market and steal market share from CBOX. At present CBOX is the dominant player nationally in the egg free cake market, they are executing well, providing customers with value and continuing to grow their store count. In my opinion, it would be challenging for a startup to compete with CBOX directly due to their size, infrastructure, and relationship with vendors. The closest example to this at present is Eggless Cake Shop who according to their website have 26 stores which are largely based in the Midlands. CBOX have over 200 stores and so arguably could use their size to negotiate favourable terms with suppliers. Although smaller competitors are a threat and should be monitored, it is also encouraging that there are imitators which is further evidence of the market growing and CBOX’s successful and attractive business model. In my opinion a greater threat to CBOX would be a larger competitor, such as, a supermarket or Gregg’s with greater resources moving into eggless cakes.

If CBOX suffered further accounting inconsistencies this would be a concern and suggest there may be something more sinister at work or that they had failed to fully rectify the previous issues which would indicate incompetence at management level. As mentioned previously, it appears that management have been proactive in resolving these difficulties and there has been no further evidence of this since.

Utilising the franchise business model has advantages such as minimal capital requirements for further growth, however, a drawback is that they have less control over their franchisees. This can lead to poor quality franchisees damaging the reputation of the company if they perform badly. To date there is limited evidence of this, however, as the store count grows management will need to be proactive with quality control and maintaining ties with franchisees. From review of Mr Chamdel’s presentations and interviews, he consistently talks about developing the franchisor – franchisee relationships and references issues that Dominos had when they failed to maintain ties. This gives me confidence that management has insight into the importance of this. Nonetheless it remains a risk that needs to be managed in the future.

~Future Outlook~
As mentioned previously, CBOX currently have 205 stores and are targeting a total of 400 across the UK. This suggests that the company still has a significant run way for growth domestically, particularly, across northern England, Scotland, Wales and Northern Ireland (some of these territories have very little (if any) penetration; see table 2 below for details). Management have not indicated an approximate timeline to reach their 400-store target and refer to it as a “longer term target”. Over the last 5 years the company on average has opened 24 stores per year (the CEO has a bonus incentive to open at least 24 per year). If the company were to continue opening 24 stores per year, they would reach their 400-store target in around 8 years. It is acknowledged that as the company matures, and the market begins to saturate that the store growth count may slow.

In addition to the growth in store count, CBOX have made investments in other areas of the business that could add value. Over the lockdown period in the UK they invested heavily in their website which has saw an increase in online sales. Online sales which grew 4.1% in FY23 (to £13.8 million, which previously grew 41% due to COVID restrictions) have continued to grow and will help to optimise the stores. Management have also experimented with selling their produce through kiosks within supermarkets (currently 18 as of 2023). As the kiosks are a new concept, they have not detailed how profitable they have been.
The vegan market and international expansion are also other avenues for growth. Mr Chamdel expressed that he is focusing on the UK market (which in my opinion is sensible) and nowhere in the annual reports is international expansion mentioned. However, during an interview for a podcast Mr Chamdel noted that New York and Toronto would be appealing destinations due to the high population of Sikhs. This appears to be a longer-term growth plan following the saturation of the UK market.

~Valuation~
Below I provide two means of company valuation. Firstly using a DCF: in FY23 CBOX reported operating income of £5.8 mil (which was significantly lower than the previous year due to higher interest rates and inflationary pressures). In my opinion this is likely to improve as revenues continue to grow, and these pressures alleviate. CAPEX is generally between £1 to £2 mil, erring on the side of caution this leaves us with £3.8 mil of free cash flow. The table below (table 3) displays the cash flow projections over the next 5 years discounted back at a 15% required rate of return and a 2.5% terminal value. Since IPO, free cash flow has grown on average at 24% compared to 15% over the previous 3 years, EPS on the other hand has grown at 20% and 11% respectively. Therefore a conservative growth rate of between 10% and 15% seems reasonable. With these assumptions (and after subtracting total net debt of 2.8 mil) CBOX’s fair value is estimated to be between £9.72 and £11.85. There are a number of assumptions to make with DCFs which can significantly impact on the outcomes, therefore, my preference is for the valuation method below.
An alternative and more simplistic means of valuation is to look at the numbers after they achieve their goal of 400 mature stores (a similar valuation is presented here). Four hundred mature stores would produce around £66 mil in revenue for CBOX which is just under double what they reported in FY23. If we assume that in this final phase CBOX returns to their average of 18% net margin we can expect a profit of £11.8 mil. This translates to an earnings per share of £0.3. For a company with limited growth prospects, in my opinion, a reasonable multiple to pay would be between 8 to 10 times earnings which works out at £2.4 to £3 per share. Adding back what they do not pay out as dividends over the next 5 years which is estimated at 0.91 per share which results in a price range of £3.31 to £3.91 per share. At the current stocks price (£1.70) this provides roughly a 64% to 79% margin of safety. It is also important to note the 5% dividend yield that CBOX is also paying.

Another useful CBOX write-up can be found on Value Investors Club here.


GROWTHYear 0 (£.k)Y1Y2Y3Y4Y5 + Terminal Value MODEL 10.00%£3,800.00£3,800.00£3,800.00£3,800.00£3,800.00£34,960.00 MODEL 25.00%£3,800.00£3,990.00£4,189.50£4,398.98£4,618.92£44,618.80 MODEL 310.00%£3,800.00£4,180.00£4,598.00£5,057.80£5,563.58£56,303.43 MODEL 415.00%£3,800.00£4,370.00£5,025.50£5,779.33£6,646.22£70,317.05 MODEL 520.00%£3,800.00£4,560.00£5,472.00£6,566.40£7,879.68£86,991.67 GROWTHStarting Cash Flow (£.k)Fair Value (£.k)Fair Value per ShareBuy Price Per Share Required Rate of Return15%MODEL 10.00%£3,800.00£25,500.22£637.51£318.75 Terminal Growth Rate2.50%MODEL 25.00%£3,800.00£31,624.14£790.60£395.30 Margin Of Safety50.00%MODEL 310.00%£3,800.00£38,880.87£972.02£486.01 MODEL 415.00%£3,800.00£47,430.00£1,185.75£592.88 MODEL 520.00%£3,800.00£57,445.82£1,436.15£718.07 Cash & Cash Equivalents (£.m)£7,354.00 Total Debt (£.m)£10,084.00 Net Debt (£.m)£2,730.00

T~able 3: CBOX DCF~

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Usual disclaimers: first time posting, not in the US, I'm on my phone. Sorry if this is long but I feel like the background is needed.
I (34f) am really mad and disappointed with my husband (35m). We got pregnant when I was 15 and had my daughter at 16, yes I know, the thing is we dropped out of school and my husband started to work to support us and I became a SAHM. He comes from a very "traditional" household where my FIL worked and my MIL took care of the house and children, but as the kids got older and life became more expensive my MIL had to start working, yet she still took care of 100% of the house while my FIL just relaxed.
Now, both me and my husband come from low income households and. I also had to see my mom struggle when we were kids because she was a SAHM without a diploma and my dad got into a big car crash that left him incapacitated for the better part of a year. With no work, insurance or anything, it was really hard to get by. Then my dad cheated on my mom when we were teenagers and completely forgot about us for a couple of years after the divorce while he was settling with his new wife, had to see my mom working 3 jobs to keep me and my 2 siblings afloat. So I always knew I did not want to be a SAHM forever. My husband and I both finished highschool after my daughter was born and after I was earning a good salary I got my college degree in business administration.
Here is where the money issues begin. My husband, being a teenager started a minum wage job to support us, he never truly told me how much he made, he just took me grocery shopping and would tell me if money was tight so I'd try to reduce any unnecessary expense, he paid for the bills himself, etc. He started going up the corporate ladder yet never really told me how much he was making. As I said before I never wanted to be a SAHM and as my daughter started preschool I started working a part time job. Here is the thing, back then you could make really good money if you knew English, which I did and started to make a good amount myself. My husband's coworkers started getting in his head saying I'd probably leave him now that I had a job and independence. Queue the fighting and me quitting my job because my daughter got sick and I needed to take care of her.
As soon as I could I started working again and with my daughter getting older and more independent I started advancing my career as well, I was blessed with well paying jobs and amazing schedules that allowed me to be with my daughter most of the time she was home, some family members babysat when necessary, and I could also do most of the household work since his schedule was not too demanding. My husband started trying to keep up appearances when I started making more than him, and without my knowledge started borrowing money from different institutions (all legal) without my knowledge. When I found out I was really angry because we were sharing our earnings, it was never his and my money, it was our money. He apologized and said he wouldn't do it again.
Later on he got tired of his job and quit, I supported him taking some time off since I was making good money by then, but that is when he confessed he had continued to borrow money from these institutions that have such a huge interes rate and he was in way over his head, I had to pay off his debt and even though he was not working I was still taking care of our daughter and the house. We had a huge fight and I made it clear that he needed to step up, he started getting more involved with out daughter and did most of the chores, but he still expected me to get take our every day rather than him cooking which is less expensive, again another big fight and I was so close to kick him out but he started really putting in the work and showing a lot of change.
It's been a few years since then and things have been great, I still need to remind him every so often that now that we both work we both need to do chores as well and our daughter is already in college (living with us but she not only cleans after herself but also does a lot around the house). Things have been working out even as I was making triple what he was at some point, he changed jobs about a year ago and he is very happy on his new job, makes a decent salary although I still make around 1.5x what he makes but nothing he did or say indicated he was unhappy.
Well, last week I got an email with a credit card statement for him, not sure how the bank send it to me instead of him, but I was upset he never mentioned it to me. I sent him a quick message asking if he got a card and didn't tell me and he said yes, he got it a month ago and hadn't told me. I was upset but didn't think much of it, until I saw he got a couple of advanced credits on the card and a recurrent payment for something that I have no idea what is for and 2 insurance payments, no idea what he insured. And a lot of these has the detail of "payment 3 of 24" or "payment 3 of 36". So I knew instantly that he did not just got this card las month, he's had it for at least 3 months if not more.
I confronted him, we fought, he says he feels emasculated having to depend on me for big expenses, that since I started working 10+ years ago all his friends and work mates always tell him that I'm too good for him because I'm too smart and make more than he does, that he doesn't like to tell me his worries because I always find a solution and he wants to do something for himself for once, he admits he lied but told me I just need to let him do this one thing for himself and prove to the both of us he can do it without me. I got even more angry because he has no issue depending on me to prepare his meals or do his laundry but suddenly if it's about money that is an issue? And aren't we supposed to be partners in this marriage? Why is it so bad that I help him when he has a problem? (I never gave him advice until he asked for my opinion) Also, he is borrowing money from this bank that has one of the highest interest rates in the country! Once again he is borrowing money without telling me! I make more than he does and I'm still always running out of money because I pay for the house and most of the bills and he is blindsiding me like this?!
Sorry for such a long post, I just want to know if I am overreacting and should let him "feel like the provider" his words, not mine. Or am I justified in how I feel and what should I do next?

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I work for a company that contracts workers out for field work. Many of us are based at a campsite, a separate business to the company, paying a pitching fee for tents etc.
We work at different locations daily. This year they have said that we must pay 5£ per day for transport costs to work. This is in company owned cars driven by other works who are paid a nominal fee for acting as taxi. For example, a car of 6 people could pay 5£ each for a 30 minute journey in one car, or a car of two could also pay exactly the same for a longer journey.
Is this kind of practice legal?

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Hey,
I'm recovering from being at the lowest point in my life, somewhere I refuse to go back to.
I desperately need a change of career and need some advice or suggestions.
Pre Covid I ran my own successfull sports coaching business working with primary school aged children. During covid I decided to sell this business for less stress and to be there for my child.
I then went into children's residential care.... Which had its benefits as it was 2 days on a d 4 days off, although incredibly stressful in its own way and the money was only 30kish with lots of sleep and overtime.
This job is part of my decline in health, and partially to blame for splitting up with my EX.
I need potential suggestions on my career path... I have numerous qualifications but nothing that is really any use....
I want my next career to be one that can eventually be well paid... And away from social care or working with children.

• I have a BSc in Sport Science.
• Level 4 Young person and family praticioner.
  
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  • I have renovated 3 of my own homes with majority of the work done my self.... Apart from the trades must like electrician etc.

-I'm good with people.
Any suggestions of work I would be good for and the routes I would need to take? I've thought about a trade such as a electrician etc... Although 4 years training is far too long.
Thanks....

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There have been a number of new Bank Switch offers out over the last week. Anyone new to bank switching could make up to £1145 from these offers (or £1345 if you are in Northern Ireland!). Remember: It's not a heist if they are giving it away
Note: The Virgin offer ends on 31/05/2024.

As always with the Bankedex, we need your help.

This is the the ultimate guide to UK bank switch offers - the collective knowledge of ~140k BeermoneyUK members. Switch your bank account, get a cash reward for doing so. But don't switch your main account, open up a second account and switch that to get the money! Or open a second and a third "burner" and grab many switch bonuses at the same time.
The post has been updated with the newest offers, and tips commented in the previous Bankedex posts, and those in other posts on beermoneyuk. **But it is a difficult task keeping on top of all the questions. Please continue to share your experience with Bank Bribes. I will add questions/answers and update the offers as and when they appear. Special thanks to those who highlight the latest offers. u/Fajandar1 caught the latest Lloyds bank addition.

Current bank switch offers (Max £1345 to be made, but likely less for most...)

Bank	Bonus	Offer Deadline	Comment
Barclays	31k Avios for £48 spend	None	£100 profit, Requires premier banking
Danske Bank	£200 to switch	None	Northern Ireland only
First Direct	£175 to switch	None
Nationwide	£200 to switch		Get £200 for a solo and £200 for a joint account
Lloyds	£175 to switch	30/07/24
Santander	£175 to switch	None	£15 extra available
TSB	£160 (£100 to switch, + £60 cashback over 6 months)	Complete switch by 05/07/2024	Up to £20 Extra cash via TCB & Quidco
Virgin Money	£100 to switch	31/05/2024	10% gross interest rates boost to 12% on £1k for 1 year (~£120 total) + extra £30 via Snoop

Total: £1345 if you are in NI and can switch both a solo and a joint account to Nationwide.

No switch, just sign up bank switch offers

Bank	Offer	Comment
Tide (click for details)	Spend £100, get £75 cashback	A beermoneyuk staple
Monzo (click to search)	Spend £1, get £5 or £50	£50 is for a business account
Starling (click to search)	Free National Trust Day Pass

Never switched a bank account before?

You should consider it. It is one of the easiest and most efficient ways of earning a little beermoney. It is advised to leave your main bank account alone. Instead, switch a secondary bank account, or open a new account at your current bank to be used just for switching. Recommended steps:

1. Open a second current account with your main high street bank (must be part of CASS service)
2. Set up direct debits on the second account (if required).
3. Add £1 to your second account. This will be transferred to your new account, allowing you to see when the switch has been completed.
4. Apply for a new account and arrange to switch to your second bank account (sometimes this is during the application process, other times it is after the account is opened).
5. Let the current account switch service take care of everything.
6. Make sure all other terms are met (e.g. pay in money if needed).
7. Receive your bank switching bonus.

You will hear about lots of people rushing through all of the switch bonuses available. These offers have been coming and going for years, my advice is to do an offer that tickles your fancy and try out a new bank. Then, if you decide you do not like your new bank you should sample another bank and get paid again!
​

Are there some bank accounts worth keeping?

Why yes. Some are quite good, and give ongoing rewards. For example, Club Lloyds gives free Disney Plus. See the "don't leave us please" bank rewards post. Some also give access to the best savings accounts (e.g. regular savers).

Detailed switch offer information

Whilst we do our best to make sure things are correct, sometimes errors do slip through. Always do your own research. Also, it may not be possible to work through all of these.
​

Barclays

Current offer: 31k Avios for full switch to Premier Banking, and paying £12/month for “Avios Rewards” for 4 months - works out around £100 profit when converted to Nectar points.

Direct link to offer (scroll down)

• You must switch to Premier Bank account.

These are premium accounts, supposed to be for those with £70k+ salaries. However, cycling £4201 each month also appears to do the job

Offer end date: None listed
Requirements:

• Open a Barclays Premier bank account & join Avios Rewards (£12/month fee), or
  
• Complete a full switch from a different bank (you do this from within the app, after opening the account).
  

Reward payable by: 1.5k Avios each month for Avios Rewards, 25k Avios paid in month 4 for the switch.
Available to existing customers: No.
Additional notes: it can be worth doing the Barclaycard Avios Plus offer at the same time, as you will get a discount on the credit card fee.

​

Danske Bank (Northern Ireland only)

Current offer: £200 for full switch

• You can switch to their Danske Reward, Danske Choice or Danske Freedom current account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (no direct debits mentioned).
  
• After opening account, pay in £1000 within 60 days (can be multiple deposits)
  
• You cannot have had a Danske Bank reward since 01/01/2024
  

Available to existing customers: only if you are a new personal current account customer. .
How long does it take to pay the bonus: paid within 10 days of meeting requirements.

​

First Direct

Current offer: £175 when you switch

• You can switch to their First account.

Offer end date: No end date given, may be removed at any time.
Requirements:

• Full switch (two direct debits or standing orders are required).
  
• After opening account, log in to mobile banking, pay in £1000, and make 5 debit card payments within 30 days.
  
• You cannot have had a 1st Direct account before.
  
• You cannot switch if you have an HSBC account opened after 01/2020
  

How to do it: Once your first direct account is open, simply log into your first direct app, select the account you wish to transfer into, tap ‘switch to us’ from your account menu and follow the instructions.
Available to existing customers: No. Also can't have had a HSBC account opened since January 2018.
How long does it take to pay the bonus: paid by the 20th of the month following that in which you met all of the criteria.

​

Nationwide (must have been a NW customer on 31/03/2024)

Current offer: £200 (for a solo AND a joint account - £400 total)

• You can switch to either the FlexAccount (free), FlexPlus (free) or FlexDirect (premium) current account.

Offer end date: 30th July 2024 (start switch by)
Requirements: Full switch with:

• 2 Direct debits transferred as part of the switch

• You cannot have had a Nationwide bonus since 18/08/2021.

Reward payable by: within 10 days of the switch completion.
Available to existing customers: Yes but must switch an account held elsewhere.

​

Lloyds Bank

Current offer: £175

• You can switch to either the Club Lloyds, Club Silver, or Club Lloyds Platinum account.
  
• These are premium accounts with a minimum £3/month fee. Can downgrade account after getting the bonus.
  

Offer end date: 30th July 2024 (start switch by)
Requirements: Full switch with:

• 3 Direct debits transferred as part of the switch

• You cannot have had a bonus from Lloyds, Halifax, or Bank of Scotland since April 2020.

Reward payable by: within 10 days of switch completing.
Available to existing customers: ~~Yes (must switch an account held elsewhere into a new account if you have one already).

​

TSB

Current offer: £100 to switch, plus £60 double cashback offer (£10/month instead of £5/month for making 20 debit card transactions each month for 6 months), plus a choice of three additional rewards if you use the account in December 2024.
Extra £20: You can get an extra £20 by signing up to a TSB Spend and Save account via Topcashback. If you don't have a Topcashback account, you can sign up here:

Topcashback sign up + Additional £10 Bonus
You can switch to either of their Spend & Save or Spend & Save Plus accounts.

Offer end date: Full switch by 05/07/2024 (or closing date when announced)
Requirements for £150 switch bonus: Full switch by 05/07/2024

• Complete the switch, use your debit card 5 times, and set up/use mobile banking.

Requirements for £60 double cashback offer (£10/month instead of £5):

• Make 20 debit card transactions each month. Includes the month your account was opened.

Requirements for additional reward:

• Complete the switch requirements (for the £100), and do the 20 debit card transactions in December 2024. If you do this, you will get an additional reward of 1) a night away for two, 2) 6 Odeon cinema tickets, or 3) a 6 month Now Entertainment subscription.

Rewards payable by: £100 switch bonus paid by 31 July 2024, cashback paid monthly, additional reward dished out in January 2025.

Available to existing customers: Yes (must switch non TSB account, can't have had a switch bonus from TSB since 1st October 2022). ​

​

Santander

Current offer: £175
Extra £15: You can get an extra £15 by signing up to a Santander Edge account via Topcashback. If you don't have a Topcashback account, you can sign up here:

Topcashback sign up + Additional £10 Bonus You can switch to any of these paid current accounts: Santander Edge current account, Edge Up, or the Private Current Account Offer end date: None given Requirements: Full switch. * Apply to switch when you apply to open the account (or existing customers can just switch into an existing qualifying current account). * Complete switch of a non-Santander account, set up 2 active direct debits, and pay in £1500 within 60 days of applying/telling Santander you want to switch. Must keep direct debits active on account * Cannot have had a Santander-group bonus previously (Santander, Cahoot, Cater Allen) Reward payable by: between 60 and 90 days after opening the account. Available to existing customers: Yes (can switch a non-Santander group current account into a new or existing Santander account). Existing customers may need to visit a branch.

​

Virgin Money

Current offer: Extra 10% interest on £1k for a year (~£100 bonus)

Extra £30: You can get an extra £30 by signing up to Virgin via Snoop (you need to connect your Virgin account to Snoop). If you don't have a Snoop account, you can sign up here for an additional fiver too:
Snoop £5 sign up bonus

You can switch to their M Account (free, ~10% interest total, gross), M Plus Account (free account, ~12% interest total) or Club M Account (costs £12.50/month for insurance and stuff, ~12% total, is one of the best value package accounts - especially if a joint account)

Offer end date: apply by 31/05/24
Requirements:

• Full switch (two direct debits required as part of the switch).

Available to existing customers: No. And can't have closed an account since 30/04/2024
How long does it take to pay the bonus: interest is paid monthly, so a a year to get it all!

​

The most commonly asked bank switch questions:

1. I started to switch to XXX bank before the offer ended, am I still eligible for the bonus?

Yes, usually, most terms will state that a switch just has to be started (or applied for) before the end date or before an offer ends.

1. Do I have to transfer the required amount in all in one go, and does it matter if I pay money in before my switch is complete?

No and not usually, as long as the amount you pay in adds up to the required amount, and as long as you pay it in before the deadline stated in the terms. There has been one exception to this - Co-op - so check individual terms.

1. I need to switch "active" direct debits, does a payment need to have been taken before I switch?

According to Nationwide, an active direct debit is one that has been set up or had a payment taken from it in the past 13 months. So no, according to this. But why not just wait for the direct debit to be taken? You'll not have to worry about it then.

https://twitter.com/AskNationwide/status/1442939781491486720

1. How do I set up and switch an additional Chase current account?
   

   • See Chase instruction here to open an additional account.
     
   • The second account will be linked to the same card as your main Chase account.
     
   • Use the secondary account details and your original card details when switching.
     

2. What are the easiest/best direct debits to use for bank switching?
   

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving. We recommend ones that save money into an account in your own name. Here’s useful ones that have additional bonuses available via beermoneyuk

Site/App	Offer	Comment
Park Christmas (Search)	Save for Christmas via direct debit
Plum (Search)	A very useful direct debit	Easy and fast to set up
Sprive (Search)	Autosavings for mortgage overpayment direct debit (£5 bonus)	Easy and fast to set up
Wealthify (Search)	A very useful direct debit (£1/month min)	Easy and fast to set up

​

General Bank Switch Questions

Current Account Switch Bribes - Why do they offer them?

They want your business. Banks like fighting each other for customers. Most of them know they can't win by highlighting their outdated systems and products, so they fight each other by offering potential customers cash bribes (or equivalent) to switch their "main" bank account.

Can I switch any bank account to get a bribe?

No. You must switch a bank account that is part of The Current Account Switch Service (CASS). Most high street banks are included. But some Neo Banks are not (e.g., Kroo, Revolut, & Monese are not included). You should try to avoid switching your main bank account. You can always open an additional account just to switch.
See here for a full list of CASS banks.

Is it too much hassle?

No. The Current Account Switch Service (CASS) makes switching your account between most banks smooth and effortless. You do not have to do anything apart from apply for and set up a new account at a different bank and tell them you want to switch your account to them. Everything is transferred automatically (except recurring card payments).

Is there the best route to sample all the banks with switch offers?

Do the offer ending soonest first. Then you might switch again. If you complete all offers in this post, you could earn yourself >£1000.

Some of these end soon. Will the offers come back?

Banks have been offering bribes on and off for many years. We can't predict the future. But this is not a new thing.

How long does a bank switch take?

Approximately one week.

Do I have to switch my main account?

You could. But you don't have to. Many people have second bank accounts. One option may be to open up a second account with your current high street bank, add some direct debits to this second account and then switch it to the new bank you want to try out. On the sub, people also like Starling or Monzo as they are easy to set up (but you might want to switch back to them at the end - their functionality wins vs any usual high street bank).
High-street banks also let you open multiple accounts. If you already have an account with one, you might want to open an additional one with your current bank first (Halifax, NatWest etc are reported to allow several current accounts and to be fast to open).

I have savings accounts at the same bank as my current account. Can I still switch to this current account?

Yes. Only the current account will be closed (some linked regular savers may be converted to normal savings accounts). You might want to consider if switching to a secondary account is a better option.

I have linked savers attached to my current account. Can I still switch it?

Possibly.

Which banks let me open a second bank account?

Most of them.

Do I need to activate the card on the account I am going to switch?

Just do it anyway. Some banks require it

What details do I need to switch?

• Sort code and account number.
• Debit card information.
• Usually, but not always, 2 active DDs on the account you are switching.

Do you need to have money in the account you are switching?

No. But it might be a good idea - this will allow you to see when the switch happens (i.e. when the money is transferred!).

I do not have a bank card with my old current account as it is very very old, can I still switch it?

Most online forms require card details, but you can usually switch such accounts over the phone.

My new bank has not given me my account number (e.g. NatWest).

Usually, these are sent via post/email when you sign up. But some banks don't have the account numbers on the card, or maybe letters get lost in the post. If this happens, wait for the card to arrive and contact their support. If you get a bot on the chat thing, type "speak to a human" repeatedly.

My new bank account is a premium account and it has a fee. Do I need to keep paying for this?

No. You can downgrade the account. But you should probably wait until you have been paid the bonus.

I don't like my new bank, do I need to wait for the bank card before switching again?

Yes. See question above. Most banks require the card details of your existing account.

I made an account just to switch. Can I switch before my new bank card arrives?

Best not to. You are asked to enter the debit card information as part of the process.

The offer says I have to pay in £xxxx. Does it have to be in one go?

No. You can transfer in and out. The total sent in has to be equal to or greater than the stated amount. You should be careful with this though, sending money in and out of an account can trigger anti-fraud measures.

The offer says I have to pay in £xxxx. Can I pay it in before the switch completes?

Yes. You can pay it before, after, or during. You can manually transfer it, or it can be transferred automatically from your old account.

I've been asked to verify my identity. Is this normal?

Sometimes automated checks fail. If this happens, you may be asked to manually verify your application by visiting a branch or sending in a copy of your ID.

I switched from Monzo/Starling and want to return, can I?

Starling does not let you return within 12 months. With Monzo, it's possibly a shorter one month that you have to wait.

Do I have to switch direct debits?

Check individual offer terms.

What is an "Active" direct debit?

An active direct debit is usually one where a payment had been taken in the last 13 months. But some bank switch terms require direct debits to have been paid out of the account. If an offer requires an active direct debit, it's safer to switch to an account that has already paid out direct debits.**

What are good direct debits to set up on a second account?

There are many: Paypal, Ebay, Moneybox savings account, Plum savings account, your credit card, Sprive Mortgage auto savings, Wealthify Robo Saving.

I recently switched to XXX Bank, and I do not like it. Can I switch again?

Yes. If you are not happy with the new service, you may want to switch to a new bank that will pay you to give them a try.

Do I have to stick with my new bank for any length of time?

No.

If I switch away, will the bank claw back the bonus?

Very unlikely. They would have to specify this in their terms, and none have ever done so.

My switch is complete, but I have not yet received my bonus. Will I still get the bonus if I switch this account before it is paid?

Probably not.

My most recent switch is not quite complete, but I have already received the bonus. Can I start another switch?

You should probably wait for the switch to complete.

Can I get more than one bribe from each bank?

Sometimes. With some banks (e.g. Nationwide), you can get a bonus for switching one sole and one joint current account. Other banks will pay you to switch again, as long as you have not had a bonus in a specified amount of time. You will need to check individual offer terms.

XXX Bank gave me a bonus before, can I get a bonus again?

You need to check the individual offer terms.

Will this affect my credit score?

Credit scores are a funny thing, What is more important is what is actually in your credit file. Obviously, if you apply for an overdraft then it will affect your "credit score". However, if you do not have an overdraft or you make sure that you have paid off any overdraft before switching banks, then a single current account switch should not negatively impact your credit score. Nevertheless, typically all major banks (excepting Monzo and Starling) do a hard credit search, and this will be recorded on your file. If you plan on applying for a new mortgage soon then you may wish to exercise caution in switching between a load of banks. This is because the hard searches performed by banks will appear on your report and may have an effect for 6-12 months.

Which banks do hard searches and which do soft searches??

See here. Most banks do hard searches.

• Hard searches: Bank of Scotland (first account only), Barclays, Co-op, Clydesdale, Halifax (1st account only), First Direct, HSBC, Lloyds (1st account only), Monzo, Nationwide, NatWest, RBS, Santander, TSB, Ulster, Virgin Money.
  
• Soft searches: Starling, Metro Bank, and Chase
  

I have a bad credit score, will I be accepted to XXX bank?

Unfortunately, we do not know the acceptance criteria of the banks. You might be unlucky with one bank, but lucky with another.

My application was rejected. Why?

Nobody here knows. You could try appealing, but your only way to find out more is to contact the bank.

After switching my account, I still have online banking with my old provider. Do I need this?

No. You do not need to keep the online access (you could shut it down). But you may wish to retain these details in case your old bank suddenly appears with an offer that makes you want to switch back. Or open up a savings account.

Has anyone else been paid for switching to XXX Bank yet?

Check the terms of the offer you signed up for. Some banks have long deadlines and stick to them (e.g. Santander, TSB). Some are quicker. If you haven't been paid within the stated terms, then you should contact the bank's support.

Hi family
I am currently a blue card holder and working in Berlin from last 2.5 years . My blue Card is not attached to any employer .
I have completed 27 months for Permanent residence but still have to apply for that.
My question was that . If I want to start a business on blue card , will my BC change to any other visa type (for example : Free lancing visa)
and will that change in visa type (or in case the card doesnt change ) affect my PR eligibility of 27 months and do I need to start from scratch again. ?
Regards Sethi Shivam

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Considering the fact that you found my contact information online, it’s understandable to be skeptical regarding the legitimacy of my services. Therefore, I’m willing to do all of the following to help you feel more secure in trusting me with your academic needs:

• Engage in a Telephone interview: Speak with you on the phone and answer any questions you may have so that you have the opportunity to assess and analyze my tone, articulation, and accent. I’m a New Jersey-born Irish/Italian-American, but I have been told that I speak in an erudite & articulate suburban American accent with a “professor style” voice somewhat resembling the voice of actor: Ben Stein.
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• My Mission: Thank you for taking the time to read my Reddit post. I take what I do very seriously and I always strive to get the highest possible grades for all students who entrust me with their coursework.
• Closing Words: Please feel free to reach out to me if you're sincerely interested in having help you with your school work. I am available via text, email, and call almost 24/7/365.

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