# The Perks of Switching Bank Accounts

An episode of [A Little Bit Richer](https://invisiblenetwork.ai/podcast/1706157445), 28 Mar 2024, 14 min.

Audio: https://pscrb.fm/rss/p/traffic.omny.fm/d/clips/2e9a850c-e6b9-48c2-afec-a8f8010f70f4/61b6e292-1c73-49e1-81ce-b075010b275f/28955909-52da-4ec3-af9f-b13e00ba8084/audio.mp3?utm_source=Podcast&in_playlist=aee4b1cb-b4f6-4283-99aa-b075010cd6b0

Ever wondered about switching current accounts but couldn’t face the admin? Friend of the Show, Cash Chats podcaster and award-winning Be Clever With Your Cash blogger Andy Webb talk us through just how easy (and profitable) moving to a new bank can be – and why you might want to stay put too. Andy and our host Kia Commodore cover moving bank accounts, having multiple accounts, compare traditional high street banks with online ones and ask if it’s really worth regularly switching accounts for the latest offers. Switching’s easier than you think. So don’t let the admin get in the way when it might just make you… A Little Bit Richer! You can play the podcast and find other useful content on Legal & General’s website: https://www.legalandgeneral.com/podcasts/a-little-bit-richer You can hear more from Andy on his podcast Cash Chats and online:: https://becleverwithyourcash.com/ Kia and her guests share their own personal thoughts and opinions in this podcast. These might be different from Legal & General’s take on things. They give financial guidance for a UK audience that’s relevant at the time of recording. It’s general best practice, not the kind of personalised advice you’d get from a financial adviser. See omnystudio.com/listener for privacy information.

## Transcript

[0:01] Kia Commodore: Hey, this is Kia, and today I'm asking, are all
[0:04] Kia Commodore: bank accounts equal? What benefits and features can you get?
[0:08] Kia Commodore: A lot of us sign up with a bank and stick with
[0:09] Kia Commodore: them for life, but what's the cost of loyalty, and
[0:12] Kia Commodore: more importantly, can we get a little bit richer by
[0:15] Kia Commodore: switching allegiance? Welcome to another episode of A Little Bit
[0:18] Kia Commodore: Richer, brought to you by my friends at Legal & General.
[0:21] Kia Commodore: To help us figure all this out is a friend
[0:23] Kia Commodore: of the show, Andy Webb, host of the Cash Chats
[0:25] Kia Commodore: podcast and the man behind the award- winning Be Clever
[0:29] Kia Commodore: With Your Cash blog. Welcome back, Andy.
[0:32] Andy Webb: Hey, Kia.
[0:32] Kia Commodore: A lot of people open a bank account and stay
[0:34] Kia Commodore: with the company forever after, but they may be missing
[0:38] Kia Commodore: out. Some banks offer a cash bonus to switch, and
[0:41] Kia Commodore: a new account could offer extra features, a free overdraft
[0:43] Kia Commodore: facility, and other rewards. When is it time to switch
[0:47] Kia Commodore: bank accounts, and how easy is this process?
[0:49] Andy Webb: I'd say now. Now's the time to switch. If you've
[0:51] Andy Webb: got a current account and it doesn't do anything for you, there's no perks,
[0:55] Andy Webb: there's no features, it's a frustrating online banking experience, there's
[0:59] Andy Webb: no reason why you should stick with them. We'll talk
[1:02] Andy Webb: about switching properly in a second, but I do want
[1:04] Andy Webb: to say first of all is you don't have to
[1:05] Andy Webb: switch to change bank. There's no limit to how many
[1:08] Andy Webb: current accounts you can have. I've lost count. It's my
[1:12] Andy Webb: job, right? So obviously I have to kind of look at different
[1:15] Andy Webb: account stuff. I've got like 14, 15 current accounts, and
[1:18] Andy Webb: that's fine. It's not a problem. So you can open
[1:21] Andy Webb: up extra accounts for some of these features, but there
[1:23] Andy Webb: are reasons to switch and if you do want to
[1:25] Andy Webb: switch, it is really, really, really simple. So effectively, you
[1:28] Andy Webb: open up that new current account that you want to
[1:30] Andy Webb: go to, and then during the application process, near the
[1:33] Andy Webb: end it says " Do you want to switch your bank?"
[1:35] Andy Webb: And if you do, it will... Basically this thing called the current account switch
[1:39] Andy Webb: in service, and this has a guarantee. So within seven
[1:41] Andy Webb: working days they will move all the money that's in
[1:44] Andy Webb: your existing current account over to the new account. They
[1:47] Andy Webb: will transfer the standing orders, the direct debits. They're going
[1:50] Andy Webb: to come out. You don't have to go to your
[1:52] Andy Webb: gas company or whoever it is and get them to change it. It's
[1:54] Andy Webb: all done for you, really nice and simple, and so it's
[1:56] Andy Webb: all done within seven working days. And if something goes
[1:59] Andy Webb: wrong, and I've done this so many times, nothing's ever
[2:01] Andy Webb: gone wrong, but sometimes it could go wrong. If it
[2:03] Andy Webb: does go wrong, then you would get compensation. It's important
[2:06] Andy Webb: to say, when you do this, this is known as
[2:07] Andy Webb: a full switch, that the old current account is closed
[2:10] Andy Webb: down. So that doesn't mean you have your new account
[2:13] Andy Webb: details, new sort code, new debit card. The only thing
[2:16] Andy Webb: that doesn't get transferred across basically is anything you've made
[2:19] Andy Webb: a payment with with that long card number on that
[2:22] Andy Webb: debit card. Those things you're going to have to go
[2:23] Andy Webb: into again and put new card details in. Everything else,
[2:26] Andy Webb: moved over in seven working days. And also, it doesn't
[2:29] Andy Webb: stop there, because the old bank will forward on any
[2:32] Andy Webb: extra payments effectively, forever. Let's say, in a year's time,
[2:36] Andy Webb: you've gone out for dinner with a mate, you've split
[2:38] Andy Webb: the bill, but they haven't got the cash, they need
[2:39] Andy Webb: to transfer it to you. They've got your old account
[2:41] Andy Webb: details, it's fine. That will just almost straight away appear
[2:45] Andy Webb: in your new account, so you don't have to worry
[2:46] Andy Webb: really about anything at all. That's a full switch. There
[2:50] Andy Webb: is something called a partial switch which doesn't have that
[2:52] Andy Webb: guarantee, but if you did want to keep the old
[2:54] Andy Webb: account open, but you wanted to move the direct debits
[2:56] Andy Webb: over or whatever it might be, you can do a
[2:58] Andy Webb: partial switch. Not all banks will let you do that,
[3:01] Andy Webb: but it's just worth knowing it does exist as well.
[3:03] Kia Commodore: I'm glad you mentioned how easy it is to switch, because sometimes it
[3:07] Kia Commodore: can feel overwhelming. You're like, " Okay, I need to move
[3:09] Kia Commodore: things over and I've got to manually do this, that, and
[3:11] Kia Commodore: a third." But there is, like I said, the current account
[3:13] Kia Commodore: switch service, or CAS, that is there to do it,
[3:16] Kia Commodore: and that guarantee gives you peace of mind to know
[3:19] Kia Commodore: that if anything goes wrong, you're completely covered. And a
[3:21] Kia Commodore: lot of people are under this idea that you can't
[3:24] Kia Commodore: have more than one or two, because maybe it's part
[3:27] Kia Commodore: of your credit score or... It doesn't really have an effect,
[3:29] Kia Commodore: does it?
[3:30] Andy Webb: I think we're talking in a moment about there is a
[3:31] Andy Webb: kind of an element you to be aware of your
[3:33] Andy Webb: credit score when you do this, but ultimately, if you
[3:35] Andy Webb: do it sensibly, I think there are advantages. And also
[3:39] Andy Webb: sometimes banks have problems with the apps, and they go down for a day.
[3:43] Andy Webb: We don't like it, but sometimes it happens. If you've
[3:45] Andy Webb: got more than one current account and you've got some
[3:46] Andy Webb: money in those other current accounts, at least you can kind of
[3:49] Andy Webb: get by, and you could still do stuff. So there
[3:51] Andy Webb: there's lots of really good reasons to have more than one.
[3:54] Kia Commodore: Exactly. I agree with you. So we won't get too specific because
[3:57] Kia Commodore: things can change very quickly, but there are some great
[4:00] Kia Commodore: rewards that you can get from switching, so let's go
[4:02] Kia Commodore: through a few of them together.
[4:04] Andy Webb: Yeah. The big one where you absolutely have to switch
[4:07] Andy Webb: and do a full switch to get it is the
[4:08] Andy Webb: cash bonus. I made thousands of pounds doing this, and
[4:11] Andy Webb: this is when the switching offers were around like a
[4:13] Andy Webb: hundred quid and stuff. Now, the last couple of years,
[4:15] Andy Webb: we've been seeing some of them going up to 200
[4:17] Andy Webb: quid if not beyond that, and that's basically a bribe.
[4:21] Andy Webb: The new bank saying, " Hey, look, come over to us,
[4:24] Andy Webb: and we'll give you cash." And that is a really
[4:26] Andy Webb: good reason. If you need some money, a really good
[4:28] Andy Webb: reason to go ahead with a switch. Other reasons you
[4:32] Andy Webb: might want to change your bank, and you might want
[4:33] Andy Webb: to switch this or open up an additional account to
[4:35] Andy Webb: get it. Again, there are so many. A lot of them
[4:38] Andy Webb: offer little perks, so maybe free cinema tickets or free
[4:41] Andy Webb: Disney plus, things like that. Some of them might have
[4:44] Andy Webb: linked savings accounts that you can only get if you have
[4:46] Andy Webb: their current account, and those rates that have on those
[4:48] Andy Webb: accounts often amongst the best ones out there. Oh, there's
[4:52] Andy Webb: so much. I mean, you mentioned about overdrafts before. There
[4:54] Andy Webb: aren't many of these, but some of them will give you
[4:56] Andy Webb: a naught percent overdraft over a small buffer or for
[4:58] Andy Webb: a year. Again, that could be a really big help
[5:00] Andy Webb: when it comes to debts. Another big reason to change
[5:03] Andy Webb: your bank again is that the online banking and the app,
[5:07] Andy Webb: some of these newer banks, and they're not even new
[5:08] Andy Webb: anymore, they've been going for such a long time, but
[5:11] Andy Webb: the day- to- day banking, so much easier. From the ground
[5:14] Andy Webb: up, they've been designed, these apps, to do that. So
[5:16] Andy Webb: again, a really good reason to change your bank. Again, there's
[5:19] Andy Webb: so many more, but they're the kind of headline ones.
[5:20] Kia Commodore: I think that's great. There's so many rewards out there that people just don't realize, but if you
[5:26] Kia Commodore: just made that switch, I mean obviously some people, they
[5:28] Kia Commodore: feel like they want stay one bank, fine, but if
[5:31] Kia Commodore: you do want to switch, like you said, you've made thousands.
[5:34] Kia Commodore: That's good. It sounds like a little side hustle. You've
[5:36] Kia Commodore: got us a little side hustle hack there. You can get free
[5:38] Kia Commodore: cinema tickets, all those kind of things. It's really good
[5:39] Kia Commodore: to have a look at. But for anyone who's considering
[5:42] Kia Commodore: it, how can they compare between different accounts and to
[5:47] Kia Commodore: make that decision a lot easier for them?
[5:48] Andy Webb: Yeah. I think you've really got to look at what's
[5:50] Andy Webb: on offer and look at the bank's own site. They'll
[5:53] Andy Webb: take you through those different features, those savings accounts, the
[5:55] Andy Webb: rewards, whatever it might be. There are loads of videos
[5:59] Andy Webb: and reviews that you can find online that will take
[6:01] Andy Webb: you through the pros and cons on becleverwithyourcash. com. Like
[6:05] Andy Webb: anytime there's one of those switching deals pops up, I'm
[6:07] Andy Webb: writing a full analysis of that and telling you what
[6:08] Andy Webb: you need to do. Because some of these will have
[6:10] Andy Webb: terms and conditions attached. It's not a simple case of
[6:13] Andy Webb: you just do this. If you want that free cash,
[6:15] Andy Webb: they might want you to deposit a certain amount of
[6:17] Andy Webb: money in a certain amount of time, or have a
[6:18] Andy Webb: couple of direct debits that come out every single month,
[6:21] Andy Webb: or you have to check the app once a month.
[6:24] Andy Webb: Although for the switching deal or some of those ongoing
[6:26] Andy Webb: offers, some of them might have fees. Now if you
[6:29] Andy Webb: do everything right, then the rewards you get will wipe
[6:31] Andy Webb: out the fee, but you've got to do it right,
[6:33] Andy Webb: otherwise you might end up costing you money. So be
[6:35] Andy Webb: really careful, all that stuff. Do check all those terms
[6:37] Andy Webb: and conditions. But you do all that, I think it's
[6:39] Andy Webb: going to be a nice and simple kind of process
[6:42] Andy Webb: for you.
[6:42] Kia Commodore: Absolutely. I think the last time I did it, I
[6:44] Kia Commodore: switched over but one of those caveats was that I
[6:47] Kia Commodore: had to deposit, I can't remember how much the money
[6:49] Kia Commodore: was, but a certain amount of money for six months
[6:51] Kia Commodore: before I could get that money into my account, and
[6:54] Kia Commodore: I had to make it a real process to remember
[6:55] Kia Commodore: to put that money in every month. I set an
[6:57] Kia Commodore: alarm, put it in there, and I finally got that
[6:59] Kia Commodore: reward. So it's just being aware. Reading that fine print,
[7:01] Kia Commodore: that's what you're getting into. It's not just you can
[7:03] Kia Commodore: get 200 pounds to switch in, but maybe you have
[7:05] Kia Commodore: two direct debits, put a certain amount like you said. It's
[7:06] Kia Commodore: just being aware of what there is.
[7:08] Andy Webb: Yeah. And weigh up whether it's worth your time. I
[7:10] Andy Webb: see some deals and I say to people that I
[7:12] Andy Webb: personally wouldn't bother with it. They want it, they might do
[7:14] Andy Webb: 20 transactions on your debit card every single month just
[7:18] Andy Webb: to get two pounds. I'm like, " Actually, is it really
[7:21] Andy Webb: worth your time?" And you might better off spending that time
[7:24] Andy Webb: with some other kind of side hustle or just enjoying
[7:26] Andy Webb: your life. So you weigh these things up. Is it
[7:29] Andy Webb: going to be worth the time you put into it?
[7:30] Andy Webb: But overall, yeah, I mean you can have anything from
[7:33] Andy Webb: just a couple of current accounts. We have a couple
[7:35] Andy Webb: of rewards and features through to like you and I
[7:37] Andy Webb: with quite a few.
[7:38] Kia Commodore: Quite a few.
[7:39] Andy Webb: There is admin with that.
[7:39] Kia Commodore: Yes, there is.
[7:40] Andy Webb: You've got to keep on top of it, but you can cycle
[7:43] Andy Webb: money throughout the different accounts, all that kind of stuff.
[7:45] Andy Webb: So it is definitely manageable, but maybe build up to that.
[7:47] Kia Commodore: Build up to that. So let's go back to banks then.
[7:50] Kia Commodore: There's this debate that's always going on, and it's traditional
[7:55] Kia Commodore: banks. So when we say that we're talking about your
[7:57] Kia Commodore: typical brick- and- mortar banks, maybe like HSBC or Nationwide
[8:00] Kia Commodore: versus digital banks, which is like Monzo and Starling. What
[8:04] Kia Commodore: should people look out for to decide what's actually better
[8:08] Kia Commodore: for them? So how can we know what's better, and
[8:11] Kia Commodore: what are the important things that we should look out for?
[8:14] Andy Webb: Yeah. There's no right or wrong answer here. The digital
[8:17] Andy Webb: banks have some of the best apps out there, and
[8:20] Andy Webb: they are obviously great ways to do your everyday banking,
[8:23] Andy Webb: but you don't have access to branches. A lot of
[8:25] Andy Webb: people go, "Does that really matter how often?" When did you last go
[8:27] Andy Webb: into your branch?
[8:29] Kia Commodore: A few years ago.
[8:29] Andy Webb: Yeah. And that's why we're seeing so many branches closing.
[8:32] Andy Webb: So it might well be that the other banks, there
[8:34] Andy Webb: isn't a branch on your high street anyway, but it's something
[8:37] Andy Webb: to be aware of. If you do want branch access,
[8:40] Andy Webb: then you want to prioritize a bank that does have
[8:42] Andy Webb: one near you, at least for the time being. So
[8:45] Andy Webb: that's a big thing there. And as I said before,
[8:47] Andy Webb: I would always have more than one account anyway. So
[8:49] Andy Webb: if you have got a digital bank, I like to
[8:51] Andy Webb: have a high street bank as well, one of the ones
[8:53] Andy Webb: that has some of those features that we spoke about,
[8:55] Andy Webb: just to kind of balance things out. There are a
[8:57] Andy Webb: handful of digital banks that you need to be aware
[8:59] Andy Webb: of because they're not fully licensed bank in the UK
[9:03] Andy Webb: yet. They are applying for this license. They haven't got
[9:05] Andy Webb: it yet. And the key ones here, the time we're
[9:07] Andy Webb: recording this, are Revolut and Monese. So they are ones
[9:11] Andy Webb: which don't have the financial services compensation scheme protections amongst
[9:15] Andy Webb: other things. Now, this is about where, if they were
[9:17] Andy Webb: to go bust, any money held would be protected up
[9:20] Andy Webb: to a massive 85,000 pounds. So just be aware of
[9:24] Andy Webb: that, that there is a risk there.
[9:25] Kia Commodore: Yeah, that is good to know. I think, like I said, having a hybrid, it is the best of
[9:28] Kia Commodore: both worlds. But it is hard. I don't think you
[9:30] Kia Commodore: can pick one that's better. I think that hybrid works
[9:32] Kia Commodore: nicely. So let me ask you then. We've spoken about
[9:35] Kia Commodore: the benefits of switching. There's a lot of rewards you
[9:36] Kia Commodore: can get, and it sounds great. So is it worth
[9:40] Kia Commodore: regularly switching accounts to get the latest offers, or are
[9:44] Kia Commodore: there any downsides that we need to be aware of
[9:46] Kia Commodore: apart from obviously the admin that comes with it?
[9:49] Andy Webb: Yeah, so a couple of things. Obviously, when you're doing
[9:50] Andy Webb: the full switch, as we mentioned before, this does close
[9:53] Andy Webb: your old current account, and sometimes you might have a
[9:56] Andy Webb: linked product, maybe a savings account, maybe a credit card,
[9:59] Andy Webb: you never know, that has all these great features and
[10:01] Andy Webb: benefits, but they're only available to you if you have
[10:04] Andy Webb: the current account. So just double check, if you haven't,
[10:06] Andy Webb: what's going to happen to that. It might be that
[10:08] Andy Webb: it's closed down or you lose the rate or you have
[10:10] Andy Webb: to start paying a fee or whatever it might be.
[10:11] Andy Webb: So check that stuff first of all. But other than that, I think
[10:14] Andy Webb: the big thing to think about here is the impact
[10:16] Andy Webb: on your credit score, particularly if you're doing repeat switching.
[10:20] Andy Webb: Because every time you open up a new current account,
[10:23] Andy Webb: the vast majority of the time, you're going to have
[10:24] Andy Webb: a hard search appear on your credit report that will
[10:27] Andy Webb: last for 12 months. It's going to stay on there.
[10:30] Andy Webb: The more of these that you do, the bigger the
[10:32] Andy Webb: impact that's going to have on your credit report. Now,
[10:34] Andy Webb: if you haven't got anything big coming up in the
[10:37] Andy Webb: next year, you don't need to get a 0% percent transfer
[10:41] Andy Webb: or purchase credit card, you don't have to do a
[10:43] Andy Webb: remortgage or a first mortgage application, things like that, there's
[10:46] Andy Webb: nothing major coming along and your credit score is relatively
[10:48] Andy Webb: healthy, then in a year's time, that will drop off,
[10:51] Andy Webb: it's not going to be an issue. You can do
[10:53] Andy Webb: a number of them, space it out every three months
[10:56] Andy Webb: is an ideal way, and this is all your credit applications,
[10:58] Andy Webb: not just bank accounts. But spread them out, just to
[11:02] Andy Webb: reduce that kind of impact. But I know, I've done
[11:04] Andy Webb: it myself, where I've done a number in a short
[11:06] Andy Webb: space of time. You need to make that decision for
[11:08] Andy Webb: your own personal situation. So that's important to know, just
[11:11] Andy Webb: spacing that out. But there is another impact that switching
[11:14] Andy Webb: explicitly will have on your credit report, and that's because
[11:18] Andy Webb: it's that closure again of that account, that existing account.
[11:21] Andy Webb: Because if you've had that for two years, five years,
[11:24] Andy Webb: 10 years, 20 years, whatever, we talked beginning about how
[11:27] Andy Webb: maybe you had opened it and then you've still got it,
[11:29] Andy Webb: you've never done anything about it. That longevity, that kind
[11:34] Andy Webb: of indication of loyalty, that is also a really good
[11:37] Andy Webb: signal in your credit report. And when that account closes,
[11:41] Andy Webb: you lose that, and the only way to build it
[11:42] Andy Webb: back up...
[11:43] Kia Commodore: Is to stay with another bank for a long time again.
[11:46] Andy Webb: (inaudible) time. Yeah. So what I generally say to people,
[11:47] Andy Webb: a little hack that I suggest to get around that,
[11:50] Andy Webb: is to not close. Never switch that main account. Because
[11:53] Andy Webb: you can open up what I call a dummy account.
[11:55] Andy Webb: So it's just a separate current account. You open it up, and the only
[11:58] Andy Webb: reason you're opening up this current account is you're going
[12:00] Andy Webb: to use it to switch, to get that free cash,
[12:02] Andy Webb: right? Open it up, credit check most of the time
[12:05] Andy Webb: for that, then open up the account you want to
[12:07] Andy Webb: switch to to another credit check. So that's two credit
[12:08] Andy Webb: checks in a short space of time, so just be
[12:10] Andy Webb: aware of that. But you do the switch, you get
[12:12] Andy Webb: your free money, and the old one's still there. That
[12:14] Andy Webb: loyalty is not gone. And then if you want to,
[12:17] Andy Webb: that account you've switched to for the cash, well that
[12:19] Andy Webb: could be another dummy account, and you can switch that one
[12:21] Andy Webb: again, and again, and again. If you decide you get
[12:24] Andy Webb: to an account you want to keep because of perks
[12:25] Andy Webb: and benefits, well open up a different dummy account. So
[12:28] Andy Webb: yeah, look into that little bit more. It's simple, but
[12:30] Andy Webb: some things you need to be aware of, but they're the big
[12:32] Andy Webb: things to think about.
[12:33] Kia Commodore: I love the fact that you mentioned dummy account, because
[12:35] Kia Commodore: that was something that my dad had told me a
[12:37] Kia Commodore: while back when I got into switching rewards and all of that. And like I
[12:42] Kia Commodore: said, I had my (inaudible) Bank that I'd been
[12:43] Kia Commodore: in for ages, and he said, " You know what, leave
[12:45] Kia Commodore: that." Like he said, " Leave it. The loyalty works in
[12:47] Kia Commodore: your favor, but open up a separate account you're not
[12:49] Kia Commodore: really that fussed about, and then you can use that." And that's
[12:51] Kia Commodore: what I've been doing and it is a really, really good tip there.
[12:53] Kia Commodore: Keep in mind, the application's a short space of time,
[12:56] Kia Commodore: but it is a really good tip that you put out
[12:58] Kia Commodore: there. So before we wrap up, Andy, what are your
[13:00] Kia Commodore: top tips for listeners when thinking about their choice of
[13:03] Kia Commodore: bank account?
[13:04] Andy Webb: So first of all, I would just remind everyone that
[13:06] Andy Webb: you can have more than one current account. So as much
[13:08] Andy Webb: as you feel you can manage, you can have all
[13:10] Andy Webb: the different perks and features from a number of different
[13:12] Andy Webb: accounts. If you're going to switch, set up that dummy
[13:15] Andy Webb: account at least for that first switch so you don't lose
[13:17] Andy Webb: that kind of loyalty that you've built up on your
[13:19] Andy Webb: credit report from that existing account. And then whether it's
[13:22] Andy Webb: open up a new account for a perk or whether
[13:24] Andy Webb: you're switching, just check those terms and conditions because you
[13:27] Andy Webb: want this to be making you money or giving you
[13:29] Andy Webb: a better banking experience. You don't want it to be
[13:31] Andy Webb: costing you cash.
[13:32] Kia Commodore: Absolutely. Thank you so much, Andy. As always, as a
[13:36] Kia Commodore: friend of the podcast, you come and grace us with
[13:37] Kia Commodore: so much knowledge and gems. Thank you so much. On
[13:40] Kia Commodore: the next episode of A Little Bit Richer, I'm going
[13:42] Kia Commodore: to be talking all about travel and how you can
[13:45] Kia Commodore: head on a holiday without breaking the bank. Don't forget,
[13:48] Kia Commodore: you can rate, review, and subscribe to the podcast so
[13:50] Kia Commodore: you never miss an episode. Tell your mates and help
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