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British travellers planning trips abroad must check their passports at least three weeks before departure

Brits heading abroad should carefully check their passports at least three weeks before they travel. Missing certain critical problems could land you with a £239 bill.

Travellers must make sure their passports are valid and in good condition before they set foot on a plane. Any problems could see you turned away at the gate.

To sort this out, your passport will need to be replaced straight away, and putting this off could prove costly as standard passport renewals can take up to three weeks.

Following a price rise earlier this month, a standard passport will set you back £102. However, if you’ve left a passport problem until just days before your trip, you’ll be forced to shell out £239.50 for the one-day express service.

GOV.UK warns: “If your passport is damaged you must replace it. You may not be able to travel with it.”

The HM Passport Office will consider a passport damaged if:

You cannot read any of your details

• Any of the pages are torn, cut or missing
• There are holes, cuts or tears in the cover
• The cover is detaching
• There are stains on the pages (for example, ink or water damage)

Regarding your passport’s expiry date, the requirements will differ depending on where you’re headed. Some countries insist on at least six months remaining on your passport upon arrival, while others only require three.

For a full breakdown of passport requirements by country, visit the Government website here.

Applying for a passport online

To apply online, head to the Government website here. Key requirements include a digital photograph, a valid payment method (credit or debit card), and your existing passport if you’re renewing.

Furthermore, applicants must supply proof of their identity and citizenship. The application fee for adults stands at £102, while children’s passports are priced at £66.50.

For anyone requiring assistance with the online application, local Post Office branches provide support services. Their staff are able to:

• Take your digital photo
• Help with completing the online application

Be mindful that this service carries an extra charge.

Postal applications

Paper passport applications are available from your local Post Office. Keep in mind that postal applications generally take longer to process than online ones.

They’re also more expensive than online applications, setting you back £115.50. You’ll be required to submit a completed application form alongside your supporting documents, two photographs, and the relevant fee.

Post Office staff can assist in making sure your form is properly completed – though you’ll need to supply your own photos. Payment can be made using cash, debit or credit cards.

Fast-track applications

If the standard three-week processing period is cutting it too close with your holiday plans, several quicker options are available for securing a passport. According to the Government website: “You can pay to get a passport urgently if you think the standard service will take too long.”

To take advantage of these fast-track services, you’ll need to secure an appointment at a passport office:

• The same-day premium service carries a charge of £239.50 (or £253.50 for the 54-page frequent traveller passport)
• The one-week express service costs £192 for an adult passport (or £206 for the 54-page frequent traveller passport), and £156.50 for a child’s passport (or £170.50 for the 54-page version)

For further information, visit the Government website here.

BBC Morning Live expert Laura Pomfret has highlighted the top six easy access ISA accounts as savers face the ‘last chance’ to use the full tax-free allowance

A BBC finance expert has outlined which ISA accounts people should be considering as a ‘fresh start’ gets underway. With the new financial year having kicked off on 6 April, savers have the opportunity to make use of cash ISA accounts for up to £20,000 of tax-free savings — and crucially, it’s the final year before this allowance is reduced.

Appearing on BBC Morning Live, finance expert Laura Pomfret explained what people should be doing and highlighted which accounts are currently offering the most competitive interest rates.

She said: “It is a fresh start and there’s an opportunity to make the most of your money and we’re going to start with cash is because the ISA limit resets every year and we’ve got £20,000 per person that we can utilize within cash ISA, stocks and shares is lifetime is a little bit different, but it’s a way of growing your savings tax-free because you know saving is a really good thing and you do make interest on it but if it’s outside of an ISA you will have to pay tax on that interest.”

Those with savings held outside of ISAs remain liable for tax. Ms Pomfret further explained: “Most people get a personal savings allowance per year so if you’re a basic rate taxpayer you can earn £1,000 outside of an ISA tax free it drops to £500 when you are a higher rate taxpayer but basically this is why we should use our ISA allowance first because you can put £20,000 in and not have to worry about any interest that you make you don’t have to pay tax on it.”

Those with ISAs are set to face a significant change from 7th April 2027. She explained: “This is the last tax year before the allowance for a cash ISA drops to £12,000. So this is the last year that you get £20,000 that you can put into a cash ISA, and then going forward from 6th of April next year, 2027, it drops to £12,000, apart from if you’re 65 or over, you can save into a cash ISA, and you get the other allowance. So it’s important to maximise that this year while you can.”

Host Helen Skelton asked: “If you are in a position that you can save money, where should you put it right now?”

According to the BBC expert, there are six accounts worth considering for ‘easy access’ savings. She stated: “Easy access is where you can get it in and out usually without penalty, but you can have a look at the terms and conditions and these are some of the best. So, first up, we’ve got Trading 212 with a 4.6% interest rate.”

“It drops after the first year. Now, to be clear, that is an investment platform as well, but they do have a cash ISA that you can use, and they’ve got a 4.6%. You’ve then got, for example, Virgin Money with a 4.15%. You are limited to two withdrawals per year on that. So, it’s classed as an easy access, but there are some limits to withdrawals.

“So, Bank of Ireland UK 4.06%. The rate drops after a year with that one. It’s like a you know in a new rate, and then interest is paid annually. Leeds Building Society of 4.05%. You have to pay in a minimum of £1,000 to get that one. Um, Yorkshire Building Society, 4.05%, withdraw as often as you want. And then Tesco Bank, for example, 4.02%, the rate drops after a year. With that one, you can do it over the phone. The rest are all online or using the app. But these are just examples. These rates change quickly.”

Top ISA easy access accounts highlighted

• Trading 212 4.6%
• Virgin Money 4.15%
• Bank of Ireland UK 4.06%
• Leeds Building Society 4.05%
• Yorkshire Building Society 4.05%
• Tesco Bank 4.02%

She explained that, generally, individuals should check comparison websites for terms and conditions, with at least 4% interest being the crucial figure.

She continued: “You may get higher if you go for a fixed, but this is where your money can be fixed and locked away for one, two, three years. So this is about choosing what’s right for you.

“If you can afford to put some away and not need access to it, you might beat that rate with a fixed one. And obviously, as I said earlier, there’s also stocks and shares is you could look at a lifetime is if you fit the criteria, but ultimately getting it in tax wrapper is a great thing to do so that you can you know grow your interest tax-free.”

People can save an extra bit of money by following the ‘online’ advice

TV money personality and personal finance expert Laura Pomfret has shared a money-saving tip for anyone with a passport. Speaking on today’s (April 13) episode of BBC Morning Live, hosted by Helen Skelton and Gethin Jones, she shared a cost-effective, time-saving piece of advice ‘people may not know about’.

Her advice comes as the cost of renewing a British passport rose at the start of the month. From April 8, the price of a standard online adult application rose from £94.50 to £102, surpassing £100 for the very first time. Child passports also increased, jumping to £66.50 from £61.50, reflecting a roughly 8% hike intended to reduce the taxpayer burden.

Laura told viewers: “It is becoming a bigger and bigger expense to get a passport for you, loved ones, for your family, and fees have just gone up. It is now over £100 to get a passport, but there are ways of avoiding paying more than you need.”

Sharing her tip to avoid paying extra when renewing your passport, she said that people who renew online can take their own pictures, rather than going to a photo booth and paying even more to get it printed. She said: “If you’ve not renewed your passport for a while, you may not know that you can take your photos yourself.”

She went on: “You don’t have to pay to go into a shop, you don’t have to go to one of the passport booths.” She said the official Gov.uk website gives you guidance when uploading your own photo, saying: “You need good lighting and a plain background, you upload it directly.”

She added: “It tells you if it’s not any good and you have to do it again. So, all in all, I think it’s worth having a look, if you need to get a new passport, at these different ways of saving money, because it’s worth it in the long run, especially more than one.”

Offering further passport guidance for Brits, Laura urged viewers to only ever renew online via the official Gov.uk HM Passport Office website. She warned: “There are these intermediary websites that might look official to help you fill out the application, but it’s not HM Passport Office.

“It’s an intermediary and you could pay up to £100, just for essentially help doing the passport, so make sure when you do it online you’re going directly to the Passport Office.” She also recommended renewing passports online rather than by post, as it costs less and saves time.

She said: “I advise you to do it yourself online. It takes about 10 minutes. But if you’re a bit unsure, you can use the Post Office check and send service. You’re paying £16 for this, but actually to get it done properly, it may be worth you deciding to use that service.”

You must renew your passport before you can travel if either your passport has expired or you do not have enough time left on it. How much time you need for your passport depends on the country you’re visiting. Check the entry requirements of the country you want to travel to.

Content creator Sophie Royston shares how she’s ditched hotels and embraced car camping for stunning views and flexibility

Adventurers are swapping hotels for cars in an emerging trend which sees them use their trusty cars as their hotel for the night. Sophie Royston, like countless other keen globe-trotters, has adopted the trend, using her Dacia as a mobile camper. The content creator insists the “freedom”, “incredible views” and simplicity of converting your car into accommodation beats the hassle of reserving a hotel.

The adventurous traveller, who boasts thousands of Instagram followers, embraced the trend with the intention to cut costs and save money, but confessed she now does it to reach stunning locations away from the tourist trail.

“I love the freedom of it. If I find somewhere beautiful, I can just stay there,” said Sophie. “Waking up and opening the back of the car to an incredible view is the best part.

“It was initially about saving money and using what I’d saved on a hotel to enjoy experiences. But this soon turned into the benefit of flexibility and spontaneity, as well as the spirit of adventure and essentialism.

“More people are realising you don’t need a campervan to enjoy an amazing road trip.”

Sophie used her car to camp beside a Scottish Loch as well as the snow-covered peaks of the Alps, using her vehicle as a home away from home. The 31 year old insists she gets a better night’s sleep in her car than she ever did when stopping in hotels.

She claims this is down to a new Sleep Pack that easily fits into her Dacia Bigster, which is available with a number of Dacia’s cars. “It makes me feel more free to sleep in my Dacia rather than stay in a hotel,” she added.

“I have stayed in hotels where you can see a beach in the distance, but with camping in my car, I can actually be on that beach. Quite the difference and quite the experience.”

As an avid hiker, she admits that car camping makes everything simpler, allowing her to reach her destination and recuperate on-site ahead of walking the next day.

With the trend gaining momentum and more people following in Sophie’s footsteps, she says: “It’s amazing to see more people embrace outdoor travel.

“There are so many solutions available to make this easier and more accessible like the Sleep Pack and the set up in the Dacia Bigster. I think this is why it’s growing in popularity.”

To get the most out of the experience, she recommends curling up with a good book or treating yourself to a hot chocolate before settling down for the night.

She adds: “Find the perfect park spot, get the Sleep Pack set up, cook some tasty food and then get cosy for the evening. I always make sure I get into some warm, comfy clothing, especially when car camping in winter, have a nice hot chocolate and then climb into the cosy set up and wind down for the evening.”

The finance expert has said these could help make travelling much smoother

Martin Lewis has said that Brits going abroad should have up to five essential items in their dedicated ‘holiday wallet’. These important items could make travelling much easier, and in some cases, cheaper, through one simple money-saving technique.

According to the Money Saving Expert (MSE) website, founded by Martin Lewis, he has previously suggested that people set aside a separate wallet or purse for use only when abroad. He recommends keeping five items inside at all times, even when you get back to the UK, to make future holidays ‘easier’.

The financial broadcaster calls this his ‘overseas wallet or purse‘, and he has followed this advice for decades. In the 2013 blog post, the ITV regular said: “I genuinely have a second wallet I pick up when I go abroad. Not to better match my overseas shoes, but as a MoneySaving arsenal to ensure that when I am away, I get more bang for my buck.”

Starting with some of the most common and relevant to the average traveller. Martin suggested that this wallet should have a specific bank card for overseas use.

He said: “Everyone who regularly travels abroad should hold a specialist overseas credit card. This isn’t about borrowing, it’s simply an easy vehicle to get the best exchange rates in every country.

“Spending abroad on most plastic should be avoided. While banks and building societies themselves get the nigh-on perfect Visa/Mastercard wholesale rate, they then add a 3% load to what they charge us.” If you can’t get a credit card or don’t want one, prepay cards are effectively an electronic traveller’s cheque.

Martin wrote: “Load it up with cash in advance and use it while away. If you lose it, no problem, pay a replacement fee and the cash is re-credited.”

If you frequent the same country or region often, cash leftover from previous trips. Although it can be tempting to swap anything back into pounds straight away, it could be a welcome surprise for future trips – whether that be a few months, a year or more later.

If people are often travelling in European countries, such as Spain, France, Italy, and Greece, it might be worth keeping a UK Global Health Insurance Card (GHIC) in their travel wallet for emergency medical care . It is free on the official NHS site and lets UK travellers access state-run healthcare in EU countries and Switzerland for certain medical costs, often at the same price locals pay.

These cards don’t replace travel insurance, which you’ll need for things such as cancellations, private hospitals or repatriation. Check the expiry date at the bottom right of your card now, as many could be travelling with expired cards.

For anyone who drives abroad, keep your original driving license handy (and remember to swap it out of any physical travel wallets before packing them away). Martin said: “As well as the obvious car hire advantages, it’s also useful as ID, which is often demanded when paying by card.”

For those planning to drive outside the European Union, it’s either recommended or compulsory in 140 countries to have an International Driving Permit as well as your UK licence. The AA has a country-by-country guide to what’s needed here.

When travelling further afield, and over to the United States, a copy of your ESTA (Electronic System for Travel Authorisation) number will be handy to keep close. An ESTA lasts for two years, or until your passport expires, whichever comes first. Once it runs out, you’ll need to apply for a new one.

Although you don’t need to present the reference number at Border Protection when you land in the US, print or screenshot it and bring it to the airport. That’s because some airlines may require it at check-in, so check with yours.

Martin also said: “My wallet’s also packed with unspent small euro and dollar notes. After all, why pay to change back £30 or £40 of foreign currency? Leave it sitting for next time.” Martin also recommends keeping a photocopy of your passport. He said: “Just in case my passport goes missing, the key details can be very useful.”

Standard adult passport costs are increasing from April 8, but there is one way to do it cheaper

Brits in need of a new passport are being reminded that applying via a specific method will save them £13.50 as fees are set to increase this week. Using the Government website to obtain your essential travel document is less expensive than submitting a postal application.

A passport is necessary for travelling overseas. In the UK, they remain valid for 10 years for adults, or five years for those aged under 16. When your passport is approaching its expiry date, it is crucial to apply for a replacement well in advance, to avoid the risk of having to cancel a holiday. However, you may be unaware that the method by which you apply for a new passport can have an impact on the cost.

At present, applying for a standard adult passport online costs £94.50. However, obtaining the same passport via a postal application is priced at £107 – a difference of £12.50.

This gap is set to widen further with the introduction of revised fees from April 8. The update means that a standard adult passport will cost £102 to order online and £115.50 through the post – a difference of £13.50.

New passport fees

The full list of passport fee changes:

• Adult: takes up to three weeks to arrive – online cost now – £94.50, online cost from April 8 – £102, postal cost now – £107, postal cost from April 8 – £115.50
• Adult fast-track – arrives one week after appointment – online cost now – £178, online cost after April 8 – £178
• Adult ‘Premium’ – given at the appointment – online cost now – £222, online cost after April 8 – £239.50
• Child – takes up to three weeks to arrive – online cost now – £61.50, online cost after April 8 – £66.50, postal cost now – £74, postal cost after April 8 – £80
• Child fast-track – arrives one week after appointment – online cost now – £145, online cost after April 8 – £145

READ MORE: Five key passport checks for Easter holidaymakers to avoid missing flightREAD MORE: UK travel company shuts down as all booked holidays are cancelled

Applying online

To apply online, visit GOV.UK. You will need a digital photo, a credit or debit card for payment, and your old passport if renewing. You’ll also need to provide information about your identity and citizenship.

You can also get help with your online application at a Post Office. Staff can:

• Take your digital photo
• Help you fill in the application online

However, this service costs extra.

To apply via post

You can pick up a paper passport application form from your local Post Office and apply by post. It takes longer to apply by post than online.

You’ll need to send off a fully completed application form, supporting documents, two photos, and your fee. If you need help, Post Office staff can check you’ve filled in the form correctly.

However you will need to provide your own photos – and this service costs extra. You can pay by cash, or debit or credit card.

Fast-track applications

According to GOV.UK, it typically takes three weeks for a new passport to be processed and delivered. However, it can take longer if the passport office needs more information. If this is cutting it too close with your holiday, there are two ways to apply for an urgent passport.

GOV.UK says: “You can pay to get a passport urgently if you think the standard service will take too long.” For both of these options you will need to go to a passport office for an appointment:

• One day premium
• One week fast track

If your passport is lost, stolen or damaged

If your passport has been lost or stolen, you must cancel it before applying for a replacement. And if your passport is damaged, you must replace it.

GOV.UK says: “You may not be able to travel with it.” HM Passport Office will consider your passport damaged if:

• You cannot read any of your details
• Any of the pages are ripped, cut or missing
• There are holes, cuts or rips in the cover
• The cover is coming away
• There are stains on the pages (for example, ink or water damage)