explains

Martin Lewis set out some of his top picks

Consumer expert Martin Lewis has shared some tips for your holiday spending while you are abroad. He shared the key advice during his BBC podcast.

During a question and answer edition of the podcast, a query came in from a mum whose 18-year-old son is heading off on a lads’ holiday. She asked what the best spending card would be for him to take along, or whether she should simply give him cash instead. She explained that she was reluctant to give him a credit card as she wasn’t confident he would use it responsibly. However, the accommodation where he was staying required a £300 credit card deposit.

Top recommendation

In response, Mr Lewis said his top recommendation for cards she could consider was Chase. He explained: “Technically you have to open a bank account to get it, but you don’t need to switch bank account.

“The Chase bank account is available for anyone aged 18 or older. It’s openable via an app. So effectively you can open this up, you put money in it that you want to spend and it gives you the same near-perfect rate that the bank gets when you spend, because it doesn’t add a non-sterling exchange rate fee.

“So I think that’s a really simple option. It’s a debit card, it doesn’t have an overdraft facility. It doesn’t do a hard credit check, it just does an ID check and it doesn’t affect his credit-worthiness.”

Another card he recommended was the Revolut pre-payment card, where you load the card with the amount you wish to spend. Regarding the credit card deposit for accommodation, Mr Lewis said this is a common requirement, frequently being necessary when hiring a car abroad too.

He explained that if a deposit needs to be paid on a credit card, this could prove tricky for an 18 year old as they may not pass the credit check. Mr Lewis suggested that perhaps the mum could contact the company and pay the deposit on her son’s behalf.

Big danger

Mr Lewis issued an additional warning for young holidaymakers. He said: “One of the biggest dangers for finances and young people is drinking. The problem when we drink is we lose all our sense of control.

“So it’s very difficult what you advise young people. Do you tell them take cash out so you’ve only got the amount you can spend on that day. That keeps you to a budget.

“But then it does wrong, they haven’t got any money left and they can’t get back to where they need to go, which can be dangerous.

“Or do you have a card that has an unlimited spending facility on it. It’s quite a difficult one at that age. The best thing is to be sensible and not drink too much.”

You won’t even see the fees being added

Most holidaymakers assume using their normal bank card abroad is fine. But Martin Lewis says a simple switch to a specialist card could save you from paying an extra 2.75% to 3% on every single purchase – a hidden fee that quietly adds to your bill without you even noticing.

In a clip shared on This Morning’s official TikTok, the MoneySavingExpert founder explained how most high street banks add a “non-sterling exchange rate fee” when you spend abroad. Ignore it and a £100 purchase effectively costs you £103. Switch to one of the specialist cards he recommends, and you get the same near-perfect exchange rates the banks use – without the markup.

Martin started by explaining what happens when you spend on plastic overseas. “Your bank gets a near perfect exchange rate on the day – the same as what’s called the spot rate, the city market rates. When you spend on your card abroad though, normally the card company adds what’s called a non-Sterling exchange rate fee of between 2.75 or 3%,” he said. “So your hundred pounds worth of euros cost you £103.”

The solution, he explained, is using specialist cards. “With the specialist cards, they don’t have that. So you get the same near perfect exchange rates that the banks or the card firms do.”

As for which cards to choose, Martin noted there are quite a lot available now. He judges them on the cashback they give you. The Barclaycard Rewards credit card is currently giving 0.25% cash back on spending in the UK and abroad. “So you get perfect exchange rate and cashback,” he said.

He added a crucial warning for anyone using a credit card: “Only do this if you’ll pay it off in full at the end of every month, or there is interest. That will credit score you to get it.”

For those who prefer a debit card or don’t want to undergo a hard credit check, Martin offered two alternatives. “The easiest one to get is the Chase card, which you can apply for without switching banks and only does a soft credit check, so it doesn’t mark your credit file, and virtually everybody can get it,” he said. It offers near-perfect exchange rates, no ATM withdrawal fees, and some cashback on UK spending.

Alternatively, for those willing to switch banks: “First Direct, if you’re willing to switch bank to it, will give you a near perfect exchange rate fee debit card and pay you £175 quid if you switch bank to it.”

A spokesperson for travel experts Lapland Famille said: “When spending abroad, choosing the right payment method makes a real difference. Specialist cards often work out far cheaper than standard bank cards. And if you’re ever asked to pay in pounds or the local currency, always choose the local currency – paying in cash locally is another good way to avoid hidden conversion fees.”

With no need to switch your main bank account for the easiest option, Martin’s advice shows that cutting the cost of spending abroad may be simpler than many travellers think – as long as you pick the right card before you go.

ABC late-night comedian Jimmy Kimmel explained his controversial joke about First Lady Melania Trump, but declined to apologize for offending her.

On Monday, President Trump repeated his demand that ABC fire the longtime show host over a joke that aired on the L.A.-based “Jimmy Kimmel Live!” program two days before the White House Correspondents’ Assn. dinner in Washington. Kimmel, who has headlined that event before, staged a pretend roast during his Thursday night broadcast that featured spliced-in footage of Melania Trump, Defense Secretary Pete Hegseth, Vice President Vance and others.

During the bit, a tuxedo-clad Kimmel called the first lady “beautiful,” saying she had “the glow of an expectant widow.” There wasn’t much reaction to Kimmel’s comment at the time, Kimmel said during Monday’s show.

On Saturday, the White House Correspondents’ Assn. gala, to celebrate the 1st Amendment, was interrupted when a gunman sprinted past security at the Washington Hilton, where the event was being held. He did not reach the ballroom. The suspect, Cole Tomas Allen, of Torrance, has since been charged with attempting to assassinate the president.

“There was no big reaction to [the joke] until this morning, when I greeted the day facing yet another Twitter vomit storm and a call to fire me from our first lady,” Kimmel said during Monday night’s telecast.

“Obviously, it was a joke about their age difference and the look of joy we see on her face every time they’re together,” Kimmel said.

“It was a very light roast joke about the fact that he’s almost 80 and she’s younger than I am,” Kimmel said. “It was not, by any stretch of the definition, a call to assassinate. And they know that.”

Kimmel added that he has long been vocal “speaking out against gun violence,.”

Melania Trump, who appeared visibly shaken during the Saturday night scare, expressed her outrage in a social media post earlier Monday.

“Kimmel’s hateful and violent rhetoric is intended to divide our country,” she wrote. “His monologue about my family isn’t comedy- his words are corrosive and deepens the political sickness within America. People like Kimmel shouldn’t have the opportunity to enter our homes each evening to spread hate. A coward, Kimmel hides behind ABC because he knows the network will keep running cover to protect him.”

ABC has not commented about the flap.

Eurobonds have returned to the spotlight after Emmanuel Macron revived the debate last week, calling for increased joint EU borrowing to boost the European economy.

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The French president has often argued the EU will need billions in fresh funding as the bloc faces mounting competition from China and the United States and invest massively in defence and advanced technologies.

Macron is leading a group of countries that argue no single member state can meet these challenges alone. Instead, they argue it would be more effective to raise funds collectively on financial markets, unlocking billions of euros for shared European projects.

A growing number of economists and central bankers — including the typically cautious Deutsche Bundesbank — have also voiced support, noting that joint borrowing could reduce financing costs.

However, countries opposed to further debt, led by Germany, argue that eurobonds will only increase the EU’s debt load, while ignoring the real issue of declining productivity.

So, what happens next? Euronews explains:

What are eurobonds?

In the EU context, eurobonds means joint debt issued by EU institutions and backed collectively by member states. This means the responsibility to repay it is shared, with risk pooled across the bloc, and the additional debt does not impact national balance sheets alone, which is useful for the most indebted member states.

With a top-tier, AAA credit rating, they would be considered a safe asset, underpinned by the combined guarantees of EU countries. This could allow governments to borrow at a lower cost compared and thus pay less interests to creditors.

Eurobonds are intended to help finance major long-term investments, including infrastructure, the green transition and defence, where the EU will have to raise and spend billions of euros in a plan titled Readiness 2030.

The EU has already made use of joint borrowing through its €750 billion recovery plan, NextGenerationEU, agreed in 2020 in response to the COVID-19 pandemic, and Brussels agreed that it was successful. Still, it insists it was a one-off.

More recently, the idea was revived by Mario Draghi in his 2024 report on European competitiveness. The report argued that joint EU borrowing would be needed to mobilise an additional €800 billion in annual investment if the bloc is to remain competitive globally. A part of it would be private funds, but public investment would be needed too.

Who supports eurobonds — and who opposes them?

The debate over eurobonds has divided the EU for decades, stretching back to the euro zone’s sovereign debt crisis.

Fiscally conservative countries — including Germany, Netherlands, Austria, Finland and Sweden — often referred to as the “frugals”, have traditionally opposed joint borrowing.

They argue it could weaken fiscal discipline and leave more prudent countries exposed to the debts of others. Nonetheless, the need to massively rearm has eased some of the opposition from the Nordic countries which are open to it as long as it goes into defence.

By contrast, southern member states such as France, Greece, Spain, and Portugal have generally supported the idea, seeing it as a way to unlock investment and share financial risks across the bloc. Italy under Giorgia Meloni has played this both ways, saying it sees the benefits while trying to build a close rapport with Germany.

Emmanuel Macron has been among the most vocal advocates in recent months. Speaking at an informal EU summit in February, he called for the creation of a joint borrowing capacity for future investment. His proposal was quickly rejected by Germany.

But still, the French president has not given up on the idea, and by reviving the plan for eurobonds, he is looking to place the debate high on the agenda ahead of a June summit of European leaders.

Paris and Berlin did, however, work together in 2020. Emmanuel Macron and then-German chancellor Angela Merkel played key roles in pushing through the EU’s pandemic recovery fund, although Berlin insisted at the time that the measure was temporary.

Her successor, Friedrich Merz, has taken a firmer stance. Speaking on 24 April, he said that higher debt and the issuance of eurobonds were “out of the question” from a German perspective.

Who will pay for eurobonds?

As a form of collective debt, eurobonds would be repaid jointly by all 27 EU member states, with responsibility shared across the bloc.

The EU has already taken a similar approach with its €750 billion recovery instrument, NextGenerationEU. The repayments should begin in 2028, which kickstarts the next EU’s long-term budget through 2034, which is currently under negotiation in Brussels.

The deadline for the full repayment is 2058.

Some countries, led by France, have called for repayments to be delayed or refinanced through new joint borrowing. Macron said a quick reimbursement in the current context would be “idiotic” and the EU should not rush repayments at the expense of future investment.

Kyriakos Mitsotakis has made a similar case, questioning whether repaying the recovery fund now would reduce the EU’s budgetary capacity at a time when demand for European bonds remains strong.

How are discussions around eurobonds going in Brussels?

Eurobonds have so far gained little traction in Brussels.

They were briefly referenced in a preparatory note by the European Commission ahead of a 16 February meeting of euro-area ministers. However, the issue was not taken forward at the subsequent Eurogroup meeting in March.

“There is a divergence in appetite regarding eurobonds,” Eurogroup President Kyriakos Pierrakakis said at the time.

In recent months, Eurogroup discussions have instead focused on the fallout from the conflict in Iran, particularly its impact on European energy prices, as well as broader efforts to boost competitiveness and advance Capital Markets Union legislation.

For now, diplomats say momentum is limited.

“I don’t see a lot of appetite on eurobonds at this stage, and indeed it’s not being really discussed for now,” one EU official told Euronews.

What happens next?

The Eurogroup is due to meet again on 22 May, and EU leaders will gather for a summit in Brussels in June.

No major Eurogroup discussions on eurobonds are currently foreseen, and Macron’s endorsement is unlikely to change the agenda, diplomats told Euronews.

Part of the reason is the EU’s focus on the impact of the conflict in Iran on energy prices — a major concern for the bloc’s economic outlook. The firm opposition of Friedrich Merz is also weighing heavily on the debate.

However, eurobonds are likely to remain on the agenda for EU leaders, with further backing expected in the coming months.

Vernon, who has two daughters with former Strictly host Tess Daly, explained that “your babies will always be your babies” and highlighted a horrifying scenario for parents

Vernon Kay has opened up about a family change he and his wife “don’t want” as he confessed that their dynamic is changing. Vernon, who is married to former Strictly Come Dancing host Tess Daly, shared his thoughts while reflecting on his evolving relationship with their two daughters, Phoebe, 21, and Amber, 16.

The couple exchanged vows at St Mary’s Church in Horwich back in 2003 and now reside in Buckinghamshire with Amber, while Phoebe has headed to New York to pursue her studies. Vernon and Tess, like many parents, have spoken about their daughters spreading their wings and becoming “independent”, yet it appears that, deep down, neither parent is truly ready to let go.

Vernon revealed he has had to figure out how to “enter their world” — a world with certain “pitfalls” that he and Tess never encountered — including one particularly alarming modern-day concern. In a recent interview, he noted that “your babies will always be your babies”, while acknowledging that today’s world brings with it an issue of which they are “acutely aware”.

Vernon told The Times: “Now that Phoebe is 21 and Amber is nearly 17, our relationship with them is changing. We talk about encouraging them to leave the nest and be independent, but we don’t really want them to. You have to learn to enter their world and that world has pitfalls that just didn’t exist for us.

“When Phoebe started going out, we became acutely aware of drink spiking. I think that just didn’t happen in the Nineties.” Last month, Phoebe shared her relocation to the Big Apple via TikTok, posting a clip of herself dancing against the New York skyline, including views of the Empire State Building.

She wrote: “NYC has my hearttt! Lucky to call it home for a while.” Her parents travelled to the US earlier this year to visit her, with Tess documenting the trip on Instagram, featuring snaps of a pancake breakfast and visits to art galleries. Tess, who lived in New York during the 1990s, said: “I love NYC. Maximised every minute on a whirlwind half-term trip and fell in love with this magical city all over again.”

Meanwhile, Vernon’s BBC Radio 2 co-star recently issued an apology to Tess on air. Vernon has been suffering from a bad back and has been struggling to keep on top of household jobs. In the segment, he informed colleague Gary Davies about his intentions to visit a chiropractor and how he’d been “getting the garden ready”.

Vernon explained: “Chiropractor this afternoon… I think I’ll be a little bit better, but the thing is we’re pre-summer, aren’t we? So, at the moment, I’m getting the garden ready. Done a bit of lawn mowing and I’ve got a list as long as my arm of jobs to do, but I can’t do them with a bad back! I don’t want to get anyone in either.”

Gary joked that this was a convenient excuse, prompting Vernon to quip: “To keep my feet up… and do absolutely nothing!” Gary said: “Sorry, Tess, sorry!” Offering a further glimpse into his relationship with Tess, Vernon revealed: “She sent me a message this morning on the train, ‘Why is half the lawn done?’.”

When questioned whether he’d taught Tess how to tackle the mowing herself, Vernon stated: “That’s my job – no, that’s my job. That’s my job, I love it. Put my headphones in and away we go!”

Meanwhile, Vernon has shed light on a “horrendous” hidden struggle while presenting The One Show alongside regular host Alex Jones.

Speaking with Ellie Brennan on Radio 2 , Vernon disclosed how his stomach had begun rumbling, explaining: “Did you watch The One Show last night? Did you notice that Alex and I had the giggles? Just out after filming Watchdog. They take it very seriously at The One Show. It’s a consumer rights programme, so it’s very serious, and my tummy, because I hadn’t eaten lunch, decided to pop up and say hello.”

He continued: “I literally – and it’s the first time in, I’d say 25 years, since I was working with June Sarpong – that I’ve done a live television link biting my lip to try to stop myself laughing as I’m introducing something really, really serious. It was horrendous.”