As the calendar ticks down to 100 days to the festive holiday, four banks were lobbing out free cash to newbies switching to their accounts.

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It turns out that within 28 days of the switch, First Direct –  a division of HSBC UK – pays newbies £175.

Martin made sure to explain that to get that extra cash, you do have to pay in more than £1,000, though you can withdraw that straightaway.

“So as switching takes seven working days, do it today and you should have the money in your account towards the end of October at the latest,” he said.

“Plenty of time to put it towards your Christmas coffers.”

The account’s other perks include a 7% regular saver you can put up to £300 a month in, many get an ongoing £250 0% overdraft, and its debit card gives perfect rates abroad.

This was Martin’s latest tip after revealing how Boots shoppers can get £93 worth of designer skincare for just £32.

The new Skin Refresh Beauty Box comes with nine high-end products for a lavish skincare routine or even save it for that special someone when Christmas comes around.

It includes beauty treats from big brands such as Kiehl’s, Liz Earle, Origins, and MAC.

If you go online to Boots, you can get the beauty box for £32 delivered, while stock lasts.

The pharmacy giant estimates the contents are worth £83, but MSE calculated it to be more like £93 if you were to buy all nine products individually.

Some of the items include: Liz Earle Skin Repair Gel Cream, Grown Alchemist Deep Cleansing Masque, Kiehl’s Calendula Foaming Wash, MAC Hyper Real Skincanvas Balm and the Wishful Get Even Rose Oil.

Shiseido’s Ultimune Power Infusing Eye Concentrate, REN Clean Skincare Overnight Glow Dark Spot Sleeping Cream, Dr Jart Vital Hydra Solution Biome Water Cream, and Origins Dr Weil Mega Mushroom Treatment Lotion also come in the kit.