How to claim compensation for a mis-sold paid-for current account for free

Banks have set aside £1billion to pay compensation to customers who were mis-sold paid-for current accounts. Claims management firms may try to offer to do it for you, but they charge a fee and the process is very simple to complete yourself for free.

Government Decision Expected On Euro...LONDON - MAY 14:  The image of Queen Elizabeth II on a  20 sterling note is seen between Euro banknotes May 14, 2003, in London. The Chancellor of the Exchequer, Gordon Brown, is expected to announce whether Britain should enter the European Economic and Monetary Union, based on the five tests he outlined as being vital to Britain adopting the Euro. The government are due to announce by June 7, 2003, whether there will be a referendum on joining the single currency.  (Photo by Ian Waldie/Getty Images)...I...FIN...London...Great Britain...banker
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Sterling hit a three-week low against the dollar first thing this morning, falling as much as 0.9 per cent to $1.43, and was down 0.5 per cent against the euro at €1.269.

I got a Benjamin Britten 50p coin, is it worth thousands of pounds?

A few days ago I received a Benjamin Britten 50p coin in my change. My dad told me to keep hold of it as they are rare and fetch quite a bit of money. I searched the coin on eBay and found some examples of the Benjamin Britten coin being listed for thousands of pounds. Have a hit a bit of good fortune, or is it a red herring?

BFMKHF Breastplate from the Palacio Real, Madrid

Laura Shannon exposes a hidden threat to one of the most powerful consumer rights that shoppers have in their financial armoury.

2014 World Cup ... Brazil
England fans after the  England vs  Costa Rica  match at the Minerao Stadium, Belo Horizonte, Brazil .

PICTURE  - MARK LARGE... 24.06.14

Research by Lloyds Bank showed that England's involvement in previous tournaments has led to a sharp rise in spending, which in turn helped the economy to grow.

WeFarm is a UK-based social enterprise using a simple idea to help farmers protect their livelihoods. It offers a free platform for them to ask questions and share their expertise with others.

Mr Bailey's pay packet for this year is £1.9million, down from £7.5million a year earlier, with missed profit targets prompting the cut.





FTSE CLOSE: Footsie posts gains amid speculation US Fed will delay rate rise

The FTSE 100 closed up 63.77 points at 6273.40 as traders grew more confident that a US rate hike would be postponed following weaker than expected jobs figures last week. The US Dow Jones rose 120.2 points to 17,927.2, while Germany's DAX was up 17.8 points at 10,121.1 and France's CAC 40 edged up just 1.6 points to 4,423.4. Brent crude was at $50.56 a barrel and US WTI crude at $49.69.

Despite the upturn in passenger numbers, the airline's load factor, a measure of how full the aircraft is, dipped by 0.1 per cent to 91.5 per cent compared with a year earlier.

Mr Clarke has indicated that he will be succeded by incoming Asda chief operating officer Roger Burnley, who is set to join the supermarket group in October from rival Sainsbury's.

A sold sign in the window of a car in a showroom. New car sales dipped again last month and are set to continue to fall for the rest of the year according to the Society of Motor Manufacturers and Traders (SMMT). PRESS ASSOCIATION Photo. Issue date: Monday September 6, 2010. A total of 55,305 new cars were registered in August 2010 - 17.5% fewer than in the car scrappage-fuelled month of August 2009. The decline last month followed a fall in July this year - the first for 12 months. See PA story TRANSPORT Cars. Photo credit should read: David Cheskin/PA Wire

The car market is seen as a bellwether for economic optimism and the slowdown has been attributed to concerns around the current political and economic turmoil around Brexit.

Its technology, called the Inspirit Charger, is dishwasher-sized, floor-mounted and, on cursory inspection, probably not too dissimilar to the larger units offered by Potterton, or Worcester Bosch.

Newcastle United owner Mike Ashley takes his seat prior to kickoff during the Barclays Premier League match between Southampton and Newcastle United at St Mary's Stadium on March 29, 2014 in Southampton, England.  

(Photo by Richard Heathcote/Getty Images)

The entrepreneur has spent months resisting MPs attempts to grill him over the collapse of the USC fashion retailer last year, and the way he runs his business.

UK motorists fail to identify French road signs ahead of Euro 2016

British fans predicted to make the trek to France for the tournament - and the summer holidaymakers that will follow them - won't be able to safely work out where they're going, claims a study. Put yourself to the test on your knowledge of French road signs.

Sky have recently increased its prices meaning our monthly subscription would be £65 per month. I wrote to cancel, but Sky insist we speak on the telephone. Why?

CTPGPD workman services and repairs a domestic gas meter. Image shot 03/2012. Exact date unknown.

A new meter was fitted and we were billed for the old meter reading. During the years since, despite numerous appeals, we have still not received a gas bill.

Is railway privatisation a perfect example to the chaos a Brexit would cause?

If anti-Europe MP Chris Grayling's Brexit campaign is anything like his efforts to get the main railway station in his constituency into London's Oyster card network, Britain will be in the euro by Christmas. The town's businesses suffer as a result and the station is a mess.

Two new tax breaks fuel a surge in homeowners renting out space for holidays and

The UK is fast becoming a powerhouse for online holiday rental websites such as Airbnb, thanks to two major changes that give homeowners the chance to receive more tax free income. Since April 6, taxpayers have been able to earn up to £7,500 a year renting out a room in their home without paying tax - a significant increase from the previous £4,250 threshold.

It is the time of year when many of us are alerted to the fact that we have overpaid tax in the previous year and are due a refund. Hurrah. But before cheering too loudly.

Lukas Bouda and Caroline Sabiston Sunglasses 3.jpg

Online prescription sales are another cheaper option but when it comes to looking after your eyesight it is often better to deal face to face just in case there are problems with the fitting or lenses.

Best places to live by the sea: We reveal hotspots from Salcombe to Peacehaven

Britain's most prized places to live by the sea have been named in our exclusive research by estate agents Savills - along with the up-and-coming coastal hotspots. They range from the most expensive locations - including top spot Salcombe, in Devon, pictured, - to more traditional seaside resorts full of nostalgic charm, such as Broadstairs, in Kent.

The new British Steel sign is unveiled at the main entrance at the newly-branded British Steel steelworks plant in Scunthorpe, which Greybull Capital bought from India's Tata Steel, in Scunthorpe northeast England on June 1, 2016. 
India's Tata Steel on June 1, 2016 completed the part-sale of its European assets, safeguarding 4,800 jobs, but thousands more are threatened with no buyer found for the rest of the business. Tata Steel UK announced completion of the sale of its European piping business to Greybull Capital, a British-based family investment firm for an undisclosed sum. The deal, hailed by Tata, the British government and unions, means the return of the British Steel brand for the first time since 1999. 
 / AFP PHOTO / Lindsey ParnabyLINDSEY PARNABY/AFP/Getty Images

Former pensions minister Steve Webb said that if complex rule changes go ahead, many final salary scheme holders could lose as much as £10,000 over the term of their retirement.

RAC's Fuel Watch data for May said that both petrol and diesel had surged another 2p in a month, making each fill-up £5 more expensive than it was in February this year.

How your garden can save or make money this summer

Your garden can bring extra rewards this summer. Everything from a barbecue to a house high in the treetops can save or make money, writes Toby Walne.

Passengers disembark a train at King's Cross station on November 7, 2014 in London, England.  

(Photo by Dan Kitwood/Getty Images)

While the number of successful applications in London rose by less than 10 per cent last year, it almost doubled in many surrounding towns.

For Sale signs, as official figures suggest that the average price of a home increased by £18,000 during 2015.
In December 2015, the typical UK property was worth £288,000 - up from £270,000 on average in January last year, Office for National Statistics (ONS) figures show. 

PRESS ASSOCIATION Photo. Issue date: Tuesday February 16, 2016. 
See PA story ECONOMY House. Photo credit should read: Yui Mok/PA Wire

Nearly three out of 10 homebuyers have seen their property deal vanish into thin air over the past two years despite having their offer accepted by the seller.

MIDAS SHARE TIPS: Car dealer Motorpoint focuses on service

Motorpoint Group is different. The largest independent used-car retailer in the UK, it floated on the Stock Exchange last month at 200p. The shares have had a strong start, hitting 231¾p by the end of last week, but there is plenty of potential for further gains over the next few years. More than 7million used cars were sold last year and, despite its leading position, Motorpoint accounted for just 52,000 of them.


Gabrielle Boyle says: 'I look for strong companies that are well managed, have diversified revenue streams and whose products or services are fundamental to our lives'.

Midas tips Motorpoint, a second hand car retailer. The Sunday Telegraph has concerns over the housebuilders and The Sunday Times runs the rule over Atlas Mara.

John Lewis¿s Any Shape, Any Fabric sofas are checked by a customer.....The retailer is offering more than 112,000 sofa, armchair and sofa ..bed combinations available in 400 fabrics. It hopes to increase sales of upholstery by 15 per cent.....John lewis 1.jpg

Having listed on the stock market in May 2014 at 100p, the group made strong progress and, when Midas recommended the shares three months later, the price had already risen to 140p.

04J-_CITY Trustwatch.jpg

It's a global trust which invests in a mixture of listed and private companies across the world which they believe will grow over the long term.

Government is neglecting key business decisions because 'too focused on EU fight', warns

Dr Adam Marshall, acting director-general of the British Chambers of Commerce, has hit out at politicians for focusing all their attention on the EU and not getting the economy on 'a more solid and sustainable footing'. Marshall took over from John Longworth after he gave an incendiary pro-Brexit speech at the group's annual conference in February and subsequently resigned and joined Vote Leave. The BCC is officially neutral on the issue.

ATATD1 Wind Turbine and cows at Bear's Down, St Eval, near Padstow, North Cornwall, England, UK. Image shot 08/2005. Exact date unknown.

Founders Hayden Wood and Amit Gudka claim their one transparent tariff is on average 20 per cent cheaper than those offered by the Big Six

Picture:  Craig Hibbert   1/6/16..Adam Marshall, acting Director General of the BCC.

The Pension Protection Fund, funded through levies to protect pensions of employees of insolvent companies, will pay out millions to cover BHS's retirement schemes.

Palatinate Group founder Ross Marshall with Frankie Dettori....PR handout

The entrepreneur behind a group of online travel firms including YourGolfTravel, Racingbreaks and Spabreaks, has claimed leaving the EU would force him to put up prices and could put jobs at risk.

A businesswoman working at desk

Workplace pensions provider NOW: Pensions, which commissioned the study, found that 58 per cent of those starting a business were aged 35 to 44, against 15 per cent aged over 65.

Strewth - what have they done to our Nectar? Homebase’s new owner ditches loyalty points

Britain's biggest loyalty card has been dealt a blow by the new owner of DIY chain Homebase, which is to pull out of the Nectar rewards scheme and focus on cutting prices. Australian DIY chain Bunnings will cease to offer or accept points for Nectar's 19million UK card holders at the end of December. Homebase was one of Nectar's key retail partners alongside Sainsbury's and BP.

Nick Longman, UK boss of the world's biggest travel group TUI, has two wishes this weekend and they are both potentially controversial - that Britain stays in the EU and that we get more rain.

Marc Bolland, the new Chief Executive of Marks and Spencer's, arrives for his first day at the company's headquarters in London, on May 4, 2010.  Bolland, 50, credited with reviving the fortunes of British supermarket chain Morrisons since his appointment there as chief executive in 2006, will replace Briton Stuart Rose. AFP PHOTO/BEN STANSALL (Photo credit should read BEN STANSALL/AFP/Getty Images)(Photo Credit should Read /AFP/Getty Images)

He resigned in January but will continue to be paid until after Christmas at a cost of about £1million.

Steam rises from the blast furnaces at the Tata owned steel works on January 15, 2015 in Port Talbot, Wales. 
Along with health and education, manufacturing and the economy are to be key issues in the forthcoming election.
Tata Steel to cut 750 jobs in Port Talbot and a further 300 jobs across the UK Port Talbot, Wales.

FILE PHOTO: Tata Steel to cut 750 jobs in Port Talbot and a further 300 jobs across the UK PORT TALBOT, WALES - JANUARY 15:  Steam rises from the blast furnaces at the Tata owned steel works on January 15, 2015 in Port Talbot, Wales. Along with health and education, manufacturing and the economy are to be key issues in the forthcoming election.  (Photo by Matt Cardy/Getty Images)

The Indian conglomerate is also working on a rival plan to restructure the same UK assets which could see it call off its sale.


Butt founded Silchester International Investors in 1994. It focuses exclusively on long-term stock market investments.

A3N3A3 Luxury motor yacht Fairline Squadron 62 Fast running aerial

The Northamptonshire-based business went under in December, just two months after Jon Moulton's Better Capital sold it to fellow private equity investor Wessex Bristol.

Martin Sorrel, Chief Executive Officer of WPP, attends a Reuters Global Media and Technology Summit in Paris June 14, 2012.   REUTERS/Mal Langsdon (SCIENCE TECHNOLOGY MEDIA HEADSHOT)

The 71-year-old marketing chief executive is one of the best paid business leaders in the world and has taken the eye-watering sum despite fierce protests from investors.

I do not wish to pre-empt the many probes now set to take place from MPs' committees to the Serious Fraud Office, but I am afraid it does not look like anyone is going to come out of this looking good.

Main entrance to the Jurys Inn Dublin

Private equity-owned Amaris Hospitality has already committed to spending £100million on its hotels in the UK and Ireland.

Oil price is back at $50 - are your investments at risk from the recovery?

Investors in top-performing income funds and trusts could suffer a reversal in fortune if the oil price continues to recover because many have low weightings in the sector, a leading analyst has warned. The price of Brent crude has already nearly doubled from a low of $27 a barrel in January to around $50 now, and could well carry on rising even if leading oil nations can't agree to curb production at an Opec meeting in Vienna this week.

28M-hollies investment extra cigs biz 2.jpg

It's worth pointing out, of course, that the move does not affect the fund management side of Axa's business - just the money invested by its insurance arm.

More than a third of this year's retirees are providing financial help of£250 a month on average, while one in seven are spending more than £500 a month on their family.

More than 1m people say they earn over £100k a year

This is just below 4 per cent of the UK working population, which stood at 31.6million in the first three months of the year, according to official figures. The survey of over 1,000 people also found that the number of those earning over £200,000 a year is much smaller at 235,000.

2 June 2016: Stephanie Graves from Hull, East Yorkshire, whose two children Bailey (9) and Bobbie (7) have been learning how and why to save money at school. They are pictured with their piggy bank and calculator...Att: Ben Green, Mail On Sunday Pic Desk..Picture: Sean Spencer/Hull News & Pictures Ltd..01482 772651/07976

Starting tomorrow, Financial Planning Week will offer free one-to-one surgeries with advisers to anyone who wants to get their financial affairs in order.

More than one in ten of those in shared accommodation are now aged over 40 - with a large proportion resigned to being 'lifetime renters', according to flat-sharing websites.

The real tax hit is still to come, so is it time to cash in buy-to-let?

The buy-to-let stamp duty hike that arrived with a bang caught plenty of eyes, but it is the forthcoming cut to mortgage interest tax relief that will hurt many existing investors. The question now is whether with costs and regulations increasing, do you take the money on the table now, or hold on and hope you don't get caught by another tax hike?

Young couples are more cautious about combining their fiances than their parents, according to TSB - taking an average of 27 months into a relationship before they take the plunge.

It is 14 per cent higher than a year ago and an increase of 7.9 per cent on the previous quarter, according to analysis of Land Registry data by wealth manager London Central Portfolio.

Homes with fishing rights are tempting buyers as angling grows in popularity

The sport continues to grow, with an enormous cross-section of people of widely differing ages taking to our rivers, lakes and canals. It is particularly growing in popularity with women. Research shows that 20 per cent of us have been freshwater fishing at some time over the past ten years. Which helps explain why owning the fishing rights to a river considerably enhances the value of a home - but it's difficult to say by how much.

STEVE WEBB: Is it worth saving for a pension when earning £15k a year?

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. This week, he replies to a reader wondering whether to opt out of a work pension scheme because her budget is so tight.

Pan Boiling Over on Gas Hob.

Extra Energy, which has been offering some of the best tariffs since it launched in early 2014, received 1,682 complaints per 100,000 customers between January and March.

Unrequested increases to credit card limits are making debt problems worse for 50,000 borrowers and must be stopped, a leading debt charity has warned.

Italian vs British supercar: Ferrari's 488 GTB and the McLaren 650S

After months of waiting, Ferrari finally offers its chiselled supercar in right-hand drive and the best of its parts bin has been well and truly raided to create the stunning 488 GTB (pictured in red). So how does this Italian star compare to its British rival the McLaren 650S?

Bentley's new behemoth has turned the market on its head. Range Rover has responded by building its most expensive production model yet. So which one is best. We take to the road (and off-road) to find out.

The 22 drivers making up the list of people who have failed their test the most times account for 713 practical attempts. With a test costing as much as £75, that's more than £54k in fees.

A study discovered that two fifths are unclear why their premium price may fluctuate and over a third don't understand how their choice of vehicle affects the amount they pay.

New research by My Car Check found that 6.25 per cent of all Vauxhall Corsa SXI models it scrutinised had not only been written off but also had outstanding finance left to pay on them.

WiseAlpha lets you invest in corporate loans - with just £100

WiseAlpha gives armchair investors the chance to invest in the secured loans of big corporations like Virgin Media and Eddie Stobart. Previously, these loans were the preserve of pension funds and banks, but platform users can now invest with as little as £100. Here is what you need to know about taking part - including the risks.

TSB Classic Plus accountholders can now earn an extra 1 per cent cashback for swiping their any TSB MasterCard credit card, worth up to £5 a month on top of their other rewards.

My husband had the Claims Guys in Altrincham acting for him on a PPI claim. The total he had due back to him was £492 and its fees for this was £172.

NS&I index-linked savings certificates are about to mature

Our National Savings and Investments index-linked savings certificates Issue 48 are about to mature. Should we renew them? And if so, should we pick a three or five year term? I am a higher rate tax payer but my wife is a basic rate tax payer. Are there better deals out there for us to reinvest the cash in risk free?

My transfer value quoted 12 months ago was just over £115k but the current figure is just under £75k. The administrators will not divulge the assumptions they have used to explain this significant fall in value.

Undated handout photo issued by the Bank of England of the full design for new £5 banknote which features Sir Winston Churchill. PRESS ASSOCIATION Photo. Issue date: Thursday June 2, 2016. The new fiver will be issued in September, and in a break from the current paper notes it will be printed on polymer, a thin flexible plastic film, which is seen as more durable and more secure. See PA story MONEY Banknote. Photo credit should read: Bank of England/PA Wire
NOTE TO EDITORS: This handout photo may only be used in for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

In a break from the current paper notes it will be printed on plastic - rather than cotton paper - and features the image of Sir Winston Churchill.

Brexit could hit UK property market 'for years' as prices slow in May ahead of vote

Experts have warned a Brexit vote could hit Britain's property market for at least the next two years as figures revealed a slight slowdown in annual house price growth last month. The average price of a UK property edged up 0.2 per cent to £204,368 in May, but annual growth slipped back to 4.7 per cent from 4.9 per cent in April, according to the latest monthly index from Nationwide Building Society.

HSBC is offering current account switchers a juicy £200 cash carrot - the largest currently available - when they open either its Advance or Premier accounts.

HM Revenue & Customs sign

When HMRC's bank account changed, the paying-in number changed - meaning foreign earners had to update the details they used. It has caused widespread confusion.

ASK TONY: HMRC owes me £800 - so why has it only sent a cheque for £1?

I have been trying to get a tax rebate from HMRC for the past year and feel I am being either fobbed off or totally ignored. I am 68 and receive a state pension of £75.41 a week and a small private pension of £350.72 per annum. On August 24, I received a reply with a cheque for £1 - which I have framed! I wrote again on September 16 but I have heard nothing.

National Savings and Investments (NS&I) logo as consumers seeking a safe haven for their cash led to record levels of deposits with National Savings & Investments during the final quarter of last year, figures showed today. PRESS ASSOCIATION Photo. Issue date: Wednesday March 04, 2009.  The Government-backed group said  9.55 billion was saved with it during the three months to the end of December, up from  5.67 billion during the previous quarter and  3.78 billion during the same period of 2007. See PA story MONEY National. Photo credit should read: Handout/PA Wire

The odds have been slashed from 26,000:1 to 30,000:1 from the June draw onwards, meaning there will be 296,203 fewer numbers drawn by computer Ernie.

A brash video and series of posters marks the launch of #VOTIN, which sees the youth culture of the entire country distilled into an uneasy relationship with the letter g. The launch was accompanied by a blog from Sam Gyimah, the 39-year-old Childcare Minister and Conservative MP for East Surrey. He wrote: As the #VOTIN launch video points out whether it is ¿learnin¿, ¿travellin¿, ¿sharin¿ - the ¿easyjet generation¿ takes being in the EU for granted on so many levels, and reaps the biggest rewards from our membership.

Throughout history students have so often been behind major political change, still imbued with the idealism that can be eroded over time. So did young people suddenly stop voting?

50 ways to save money....

To clear the average national household debt of ?13,000 at 6% interest with a monthly repayment of ?100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Pick the best (and cheapest) investment Isa platform

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

In this low-income world it can be hard to find mainstream investments paying a significant yield. Stifel has compiled a list of 19 investment trusts with a yield of more than 4 per cent.

L Board sign on the rear of a blue saloon car , UK

If you are new to investing then the huge number of funds and investment trusts on offer can be confusing. Fortunately, This is Money's experts have some ideas to get you started.

Income investing: Dividends can deliver both a healthy boost to long-term growth and a way to earn from your investments.

Income investing can let you draw on your portfolio or reinvest dividends to build solid growth over time. Our experts give their fund and investment trust recommendations.

On the up: Emerging markets such as Brazil are where much of the world's growth is expected to be over future years.

If you're looking to add some flair to your investing Isa with emerging markets, This is Money's experts have some ideas to get you started

When will UK interest rates rise?

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

Banking customers typically stick with their current account provider for an average 15 and a half years. But signing up for a new account can get you a much better deal. Here's how to switch

House prices: What to expect - news and predictions

Nationwide says there was a 'mixed picture' across the regions in the third quarter of 2015, with the rate of house price growth accelerating in southern England and particularly London, but slowing down in the Midlands and most northern areas.

Ten tips for buy-to-let

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips


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Compare your pay to the UK average across 350 professions

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.

Premium Bonds winners

June 2016
Prize value Winning bond No. Area
£1,000,000 59PP368618 Lincolnshire
£1,000,000 263NW544687 Kent
£100,000 264BZ537198 West Midlands
£100,000 122LD857483 Essex
£50,000 272HH746189 Devon
£50,000 259XJ252699 Inner London
£50,000 255BC209177 Essex
£50,000 247WX954567 London
£50,000 246QR335598 Kent
£50,000 224BW986972 Hampshire and Isle of Wight
£25,000 35GD336880 West Yorkshire
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Undated handout photo issued by the Bank of England of the full design for new £5 banknote which features Sir Winston Churchill. PRESS ASSOCIATION Photo. Issue date: Thursday June 2, 2016. The new fiver will be issued in September, and in a break from the current paper notes it will be printed on polymer, a thin flexible plastic film, which is seen as more durable and more secure. See PA story MONEY Banknote. Photo credit should read: Bank of England/PA Wire
NOTE TO EDITORS: This handout photo may only be used in for editorial reporting purposes for the contemporaneous illustration of events, things or the people in the image or facts mentioned in the caption. Reuse of the picture may require further permission from the copyright holder.

In a break from the current paper notes it will be printed on plastic - rather than cotton paper - and features the image of Sir Winston Churchill.