Holiday money

Turning up at the hotel check-in desk straight away might be harming your chances of getting a more premium holiday experience

Checking into your holiday at the earliest possible opportunity might seem like the savvy move at first, but it could be ruining your chances of getting a luxury hotel room free-of-charge. According to industry analysis from travel experts, checking-in during a specific 90-minute window could be the ultimate strategy.

Graziano Gagliardi at Private Italy Tour claims that turning up at the front desk between 4.30pm and 6pm gives reception staff a much clearer picture of the premium suites that remain available. Arriving too early, say 2pm for instance, means housekeeping is likely still preparing and cleaning rooms, which leaves workers unable to confirm what higher-tier options are unoccupied for the night.

Gagliardi said: “If standard check-in begins at 2pm or 3pm, arriving immediately may not give you the best chance of an upgrade. Housekeeping may still be preparing rooms, while reception staff may not yet know which guests are arriving, cancelling or requesting changes.

“By around 4.30pm, the hotel usually has a much clearer picture of its room availability. If a larger room, a better view or a higher category is likely to remain empty, staff may have more flexibility to offer it.”

Turning up extremely late can also backfire, he claims, particularly at smaller boutique properties that operate limited front desk hours. He said: “Turning up at 10pm without warning is not a clever upgrade trick. If you expect to arrive late, always notify the hotel in advance.”

Holidaymakers booking shorter stays of one or two nights stand a significantly higher chance of being bumped up to a better class of room. Terms outlined by major hotel chains like Hilton confirm that complimentary upgrades strictly depend on space being continuously available for the entire duration of a guest’s stay.

A similar policy is enforced by Marriott, which explicitly states that room improvements are determined upon physical arrival at the front desk. Experts warn that travellers should remain realistic, as an upgrade often means securing a quieter location, higher floor, or better balcony view rather than the top luxury suite.

To maximise your chances, Private Italy Tour recommends using a specific phrase to politely ask front desk staff without sounding overly demanding or entitled. The travel guru suggests asking: “I understand it depends entirely on availability, but if there are any complimentary upgrades available this evening, I would be very grateful to be considered.”

Joining a hotel’s free membership scheme prior to travel can also boost your odds, as many major operators prioritize enrolled guests for empty premium spaces. However, guidelines published by Hilton Honors clarify that simply signing up does not guarantee a better room without holding eligible membership status or rates.

Guests celebrating genuine milestones such as birthdays, anniversaries, or honeymoons are advised to notify the hotel a few days before their arrival date. Mentioning a real special occasion often encourages reception teams to offer a complimentary perk or a room improvement.

Finally, the experts strongly warn holidaymakers against manufacturing fake complaints or inventing faults with their original room just to pressure staff into moving them. Dishonesty is far more likely to harm your chances than help them, meaning a polite, well-timed request during that crucial 90-minute window remains your absolute best bet.

Holidaymakers are being warned of new rules around spending cash in popular hotspots which are set to be implemented by next summer

While many Brits use debit, credit, or travel money cards when they go on holiday, for some, cash is still king no matter where they go in the world.

But new plans from the European Central Bank (ECB) could see a digital equivalent to physical cash being introduced, and the first step, a cash payment limit in Euros, is set to be enforced as of next summer.

As reported by Majorca Daily News, as part of the move to a digital Euro, the cash payment limit of €10,000 (about £8,500) will be introduced in Spain as of July 10, 2027. It’ll apply to all commercial transactions for goods and services, and can’t be bypassed by making lots of smaller transactions, as linked cash payments will be treated as a single payment under the law.

For transactions between €3,000 and €10,000, merchants will be obliged to verify the customer’s identity before they pay in cash. This ensures that all financial transactions can be linked to individuals, even if cash is used, and aims to prevent money laundering. This could affect Brits looking to pay for hotels or car hire in cash.

EU countries will be able to set their own limits, and France has already confirmed for its own taxpayers the maximum amount will be just €1,000, but for holidaymakers it’ll be €15,000, about £12,800.

Banks in the EU will continue to monitor unusual deposits at cash points, and will also need to report transactions of over €3,000 where large banknotes are used. While it’s unlikely that the average tourist would ever carry this amount, there is also a limit on the amount of cash someone can carry in public when in Spain which is €100,000, about £85,500. which is to deter criminal activities and terrorism.

If you’re travelling between countries, even if you’re within the Schengen area, you’ll need to declare any amounts over €10,000 to customs when you arrive.

The digital Euro plan would create a central bank digital currency (CBDC) overseen by the ECB. It would offer a digital alternative to physical cash, and mean people could make on and off-line purchases free of charge with their Euros stored on a card or mobile app.

A rollout is planned for 2029, and aims to reduce reliance on US payment systems such as Visa and Mastercard. In Russia, huge numbers of people were left unable to make payments when the firms pulled out of the country due to the war with Ukraine, and Europe wants to avoid using US firms for banking functions in a time of political instability.

European Central Bank President Christine Lagarde claimed in a Euronews interview that the move to a digital Euro isn’t about scrapping cash and coins or monitoring citizens, saying: “Cash will not go away, it will be rejuvenated”.

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MoneySavingExpert, which was founded by Martin Lewis, shared a tip for plane passengers

Some customers could be owed back hundreds after purchasing plane tickets, according to MoneySavingExpert (MSE). The consumer website, founded by journalist and TV personality Martin Lewis, regularly shares advice to help Brits.

In advice for travellers, the money experts pointed out that passengers who book non-refundable plane tickets but don’t end up using them can still request a refund for some of their money. While the refund won’t cover the entire cost of the tickets, they can get the Air Passenger Duty refunded.

In a Facebook post, MSE said: “Air Passenger Duty is a tax only paid by the airline to HMRC if you fly. If you don’t fly, whether you cancelled a non-refundable ticket or you missed your flight, you can request a refund from £8 to £253 per person.” The post also included a real-life success story from MSE Clare.

Clare revealed that her in-laws received a refund of £92 each after realising they needed to change their return flight home after visiting the UK from Australia. The family members had assumed they wouldn’t get any money back from their non-refundable tickets after their plans changed, but a “quick email” to their airline confirmed the good news. Clare said it was “a small consolation, but better than nothing.”

In the comments under the post, MSE added: “There’s no deadline for how far back you can claim – though some airlines impose their own (and a few charge an admin fee).” More information is available on the MSE website.

It said: “When you book a flight departing the UK, your ticket price will include various fees, such as airport tax. However, this isn’t collected by HM Revenue and Customs from the airline until after you actually fly. If you don’t fly – even by choice – you shouldn’t have to pay the tax.”

If you’re looking to make a claim, airlines publish information for passengers explaining exactly how to get it. Skyscanner explains: “The procedures for claiming an airport tax refund vary from airline to airline.

“Some will refund it automatically, whereas others require you to fill out a form. It’s worth noting that some carriers will charge an admin fee for the refund application, and with budget airlines, that fee can often surmount the amount you’ll get back.

“Each airline should publish details of how to claim back APD tax on its own website. If you cannot find this, call the airline and request details.”

Skyscanner added: “Some airlines have commercial agreements with various airports and may not always pay airport taxes. If you didn’t initially pay them, you wouldn’t be eligible for a refund.”

If you’re heading to the beach you may see this fun-looking activity on offer, but tourists are being warned that taking part could invalidate your insurance – and other surprising things can also see your insurer refuse to pay out

When you’re on a sunny holiday overseas, it’s likely you get more adventurous and trying some new activities or sports can look more appealing, especially after a few drinks.

But holidaymakers are being warned that taking part in a variety of activities can invalidate your travel insurance, meaning that an accident could leave you up to £80,000 out of pocket.

The travel insurance team at Quotezone.co.uk listed seven holiday activities that could interfere with your travel insurance coverage, and many of them are popular in holiday hotspots. According to its study, 36% would like to try an activity-filled holiday, and 35% said they can’t relax when they are just sunbathing, meaning lots of Brits would be tempted to try out one of these high-octane activities when bored.

Banana boats were among the activities that Quotezone cautioned Brits against. It said: “Whilst most standard travel insurance policies do include banana boats under general water sports, it’s important to do so safely. Not wearing a life jacket, being under the influence of alcohol, or going on a boat that isn’t run by a licensed operator could all result in a rejected claim should you get injured.”

Another thing to look out for on the beach is organised sports events. With the popularity of fitness breaks growing, many Brits now take part in organised sports activities as part of their holiday, but physical strain and injuries might not be covered under your travel insurance in these cases.

Water sports such as scuba diving and jet-skiing can also be risky and may need specialist cover. Some policies cover scuba activities, but only up to a certain depth, and if you don’t dive with a qualified instructor or neglect to follow local laws, you may not be covered in an accident.

Back on dry land, any activities with wheels can be a danger, from hiring a scooter or motorbike to go karting, especially if you don’t wear a helmet or follow local laws. Quad biking is another activity that’s rarely covered by standard insurance policies, but an accident can be extremely costly. A quad biking accident in Greece, for example, that includes surgery and medical repatriation could carry costs of over £80,000 for someone without adequate insurance.

Helen Rolph , travel insurance expert at Quotezone.co.uk said: “Many Brits don’t realise that popular holiday activities like jet-skiing or quad biking could leave them thousands of pounds out of pocket if they’re not properly insured.

“Even if coverage is in place, claims can still be rejected if local safety laws are broken, the holidaymakers don’t wear a helmet or are found to be under the influence of alcohol.

“When heading abroad, people often think activities like banana boating and go karting, popular with young travellers, stag and hen parties – are included as standard, but this is rarely the case and could leave thrill-seekers at risk.”

Have a story you want to share? Email us at webtravel@reachplc.com

The Money Saving Expert says one thing that is ‘totally free’ could save holidaymakers loads of money

Heading to Europe this summer? Before you jet off, Money Saving Expert says there’s one free card every holidaymaker should have in their wallet – and it could save them money.

The Money Saving Expert has issued a reminder to travellers to get the UK Global Health Insurance Card (GHIC) just in case of an emergency. It can help you access state healthcare in many European countries, however he stresses this shouldn’t be a replacement for travel insurance.

Speaking as part of the National Money Assembly held at St Charles 6th Form College in London, Lewis urged anyone heading to the continent to apply for a GHIC before leaving the UK. He explained how the card is “totally free”, and warned people to never pay a third-party website to apply for one.

“First of all, if you’re going to Europe, you always get your GHIC card, your Global Health Insurance Card,” he said. “That’s totally free, never pay for it. This gives you treatment in a state-run hospital in a European Union country or equivalent at the same cost as a local – so if it’s free for them, it’s free for you.

“If you need to go and see the doctor when you’re abroad and local people don’t pay for the GP, you can go to the GP with your GHIC card. So you should make sure that you have one of those.”

The NHS says the GHIC covers medically necessary healthcare during a temporary stay in the EU and certain other countries. However, it does not cover private medical treatment, mountain rescue, being flown back to the UK or costs such as lost or stolen belongings.

For that reason, Martin Lewis says holidaymakers should never rely on the GHIC alone. He urged travellers to arrange travel insurance as soon as they book a holiday, explaining that it protects them both before and during their trip.

He said basic travel insurance for a young person spending a week in Europe can often cost as little as £7 to £10. Martin added: “If you can afford the holiday, you can afford travel insurance.”

His long-standing rule is to buy travel insurance “ASAB” – as soon as you book. That’s because policies can protect you if illness, injury or another unforeseen event forces you to cancel your holiday before you even leave home.

Applications for a GHIC are free through the official NHS website, and most people can apply online. Anyone using a website that charges a fee is paying for a service they do not need, as the card itself is available free of charge.

The consumer experts shared a money-saving hack for holidaymakers this summer

MoneySavingExpert (MSE) has issued an alert for holidaymakers who still need to book their hotel or rental car. The consumer advice website, founded by journalist and broadcaster Martin Lewis, regularly shares tips for Brits.

In a recent social media post, the experts shared advice for people making travel bookings. Posting on X, MSE advised consumers to choose bookings that offer free cancellation if possible. The experts explained that travellers can use this tactic to get the best deal on their booking, as they can simply cancel and rebook if prices go down.

MSE wrote: “Top travel tip: Try to book a hotel or car hire with free cancellation. Why? Because if the price drops, you can simply cancel and rebook at this cheaper rate!” The post asked social media user to share their experiences in the comments.

The post asked: “Have you ever done this successfully? How much did you save?” In response, several MSE fans shared their own success stories.

For example, a commenter named Kathryn replied: “I’ve done this with a hotel. Got a much better grade room and saved about £50 on the price the original room would have cost! I usually try to do this now. I book the new room first though before cancelling the existing one… Just in case!”

Another social media user said: “I’ve done this for a hotel booking. Made a great saving on original booking price but found my room was at the furthest point away from the reception / dining areas. A good trade off in that situation.”

Someone else said they managed to find their £160 car hire reduced to just £80 using a similar tactic when they visited Portugal last year. Similarly, a commenter with another car story said they had booked their rental car three times, starting with an initial price of almost £300 and getting it down to £121, despite using the same rental company to book the same car.

They explained: “Pre-Christmas price over £300. 1st booking March £285. 2nd booking £185 early May. 3rd time mid-May £121.” Praising the method, the social media user added: “Refunded each time within four days. Result!”

Sharing another success story, a holidaymaker claimed to save £400 on a trip to New York. The comment read: “£400 saved on a trip to NYC. Free cancellation costs more but the flexibility makes it worth it.”

Important message for anyone with a package holiday booked

Travel expert Simon Calder has shared important advice for anyone with a package holiday booked, as people are being urged to act ‘as soon as possible’. His message comes ahead of the peak travel season, and as new research by Citizens Advice has revealed that four million people have faced issues with their package holiday over the last year.

On today’s (June 8) episode of ITV’s Good Morning Britain, TV host Kate Garraway spoke to correspondent Nick Dixon about the findings. He said: “The complaints that we’ve been hearing about were involving all-inclusive holidays, with many saying they just didn’t ultimately match up to the glossy brochures we see online, or indeed at the travel agents.

“Citizens Advice say that they found 33% of holiday-related complaints ultimately were about things like poor quality hotels, bad food, facilities being unavailable as well – 19% down to customer service.” He added: “Things like long waits on the phone, complaints ignored and administration errors, and 25% of complaints ultimately led to stress, anxiety or upset.

“And if your dream holiday does turn into a wee bit of a nightmare, there are steps you can take… Many of us with these kinds of complaints about our holidays end up trying to fight for compensation, which is why it is so important to keep a record of everything just in case to have any chance of getting money back.”

British travel journalist and broadcaster Simon Calder then spoke to viewers, sharing a crucial message for those with a package holiday, especially if they encounter problems during their trip. He urged holidaymakers to act ‘immediately’.

He said: “If you get to your destination and things aren’t right, maybe there’s a problem with your room, maybe the facilities are simply not as described, then you have to give the travel company immediate notice and allow them the opportunity to sort things out.”

How can I claim compensation for a holiday?

Reporting a problem right away is a legal concept called “mitigating your losses”. If you don’t allow the travel provider to address the room or facilities issue while you’re there, you could really hurt your chances of receiving a full refund or compensation.

Citizens Advice says: “If you’re still on holiday, tell the company or travel agent about the problem as soon as possible. You might be able to get it sorted quicker – like if there’s a problem with the room. If you don’t say anything until you get home, you might get less compensation or none at all.”

The person you need to contact depends on how you arranged your holiday. If you went for a package holiday, reach out to the customer service team of the tour operator you chose.

However, if you organised it yourself or set up a linked travel arrangement, you should contact the accommodation or service provider directly, such as the hotel or the company offering excursions. Make sure you include:

• your booking reference
• clear details of what went wrong
• copies any evidence you have – like photos
• copies of receipts
• how much compensation you want

Citizens Advice adds: “It’s a good idea to send the letter by registered post and keep a copy, so you have proof that the holiday company received it. You can also email them – some of them have online forms. Keep a copy of what you send. If the company makes you an offer that you think is too low, you can ask for more. They might come back to you with a higher offer.”

Shoppers are praising the ‘gorgeous’ holiday dress

Shoppers looking to freshen up their summer wardrobe need look no further than a “beautiful” dress that promises to be “perfect for holidays“.

Next is offering this seasonal staple with fans singing its praises. The popular high street retailer is currently stocking the Blue Ecru Polka Dot Mini Dress for just £28, giving shoppers a stylish option for the summer ahead. It is available in sizes 6 through to 26. It also has selected taller fit options.

Whether you’re trying to stay cool at the office during a summer heatwave or dressing up for a holiday or city break across Europe, this versatile piece could be just the ticket. Its lightweight look and adaptable design mean it could easily take you from one occasion to the next throughout the sunny season.

The dress boasts a pretty light blue colour scheme with white polka dot detailing, lending it a timeless summery charm. Thin shoulder straps and a square neckline sit above a fitted bodice that flows effortlessly into a loose skirt falling above the knee.

The fabric looks lightweight and breathable, potentially making it ideal for soaring temperatures and trips abroad. Its unfussy design also means it could work just as well for a casual daytime look, a beach outing, or a relaxed evening out on the town.

Shoppers have shared glowing reviews on the products on the Next website. One customer wrote: “Beautiful colours, really good fit and so comfortable. It was perfect for an upcoming holiday.

“Can be dressed up with a pair of heels and a clutch or pair of flats or trainers for daytime. Will keep a look out for similar styles in Next as I would like another dress in other colour ways.”

Another added: “This dress is absolutely gorgeous – lovely quality material and has cute pockets. Knee-length on me (5 foot 3), it flows beautifully from the hips,” while a third continued: “Gorgeous little summer dress definitely recommend and can’t wait to wear it in the summer.”

Those keen to get their hands on the dress can opt for home delivery and find further details on the Next website. Click-and-collect is also on offer, with shoppers able to check whether their local branch has it in stock via the retailer’s online store finder.

MSC Cruises has announced its commitment this summer and offers for UK passengers

MSC Cruises has issued an update today, Thursday, May 28, with bosses announcing a commitment to UK passengers this summer. The cruise line offers various voyages spanning the globe and currently operates a fleet of 23 cruise ships, with plans for further expansion in the coming years.

On Thursday, MSC Cruises said it is inviting guests to experience the ‘best holiday ever’ over the coming months, with the “peace of mind” of no added fuel surcharge for summer 2026 and low deposits until the end of June. Antonio Paradiso, Vice President of International Sales at MSC Cruises, said: “MSC Cruises ‘Best Holiday Ever’ commitment reinforces our position as the leading choice for UK and Irish holidaymakers seeking an effortless, all-in-one travel experience.

“Backed by dedicated support every step of the way, guests can book with confidence and peace of mind in today’s changing travel environment and relax knowing that their holiday is taken care of. With our low deposit of just £50, no-fly cruises from Southampton, Fly and Cruise packages with the reassurance of no added fuel surcharge for 2026, and the option to change your cruise date or destination if required, we are making it easier than ever for guests to secure their next holiday.”

Guests can book a trip with MSC Cruises with a low deposit of £50 per person, extended until the end of June. This applies to all cruises (excluding World Cruise and MSC Yacht Club cabins).

Passengers have a wide variety of amenities on board. There is full-board dining across the main restaurants and buffets, evening shows, multiple swimming pools with aquaparks, fitness facilities and family entertainment programmes.

There are many cabin types to choose from, including comfortable and economic inside cabins and connecting cabins for larger groups, which combine inside and balcony cabins together. Ocean View cabins offer sunset views, or for that sea breeze, opt for a balcony cabin.

A spokesperson added: “An MSC Cruise offers so much in one transparent price and, despite recent increases in global fuel prices, the cruise line will not be introducing a fuel surcharge this summer, giving guests extra confidence there are no unexpected added costs. The price guests see at the time of booking is the price they will pay, part of the best holiday ever commitment, just peace of mind and a seamless holiday experience this summer.”

MSC Cruises offers a range of Fly and Cruise packages that combine flights, transfers, and a cruise into one holiday. Designed to ‘simplify the journey from start to finish’, the cruise line says these packages are built in partnership with some of the world’s most renowned airlines.

Flights align with cruise schedules, with transfers between the airport and the ship included. Guests can select their preferred cruise itinerary, choose the Fly and Cruise fare, and confirm flights during the booking process. Fly and Cruise holidays in 2026 depart from:

• Belfast to Palma and Tenerife
• Dublin to Barcelona, Rome, Venice and Tenerife
• Edinburgh to Rome, Naples and Tenerife
• Glasgow to Tenerife
• Newcastle to Tenerife
• Manchester to Rome and Tenerife
• Birmingham to Tenerife
• London Heathrow to Seattle and Barbados

MSC Cruises also offers a selection of no‑fly cruises from Southampton year-round. Some standout destinations include the Norwegian Fjords, Northern Europe and the Mediterranean. And on selected dates, well-known TV stars and sports legends are on board, giving guests complimentary classes and talks:

• June 6, 2026 – Southampton to Iceland and the Norwegian Fjords (14 nights), with TV personality Anthea Turner onboard.
• August 8, 2026 – Southampton to the Canary Islands (12 nights), with Rugby Legends Ben Cohen, Neil Back and Ben Kayplus dance star Kristina Rhianoff onboard.
• October 19, 2026 – Southampton to the Netherlands, Belgium and France (5 nights), with Football Legend Gianfranco Zola on board.