Money Saving

If you find a broken link in this list, please report it to the webmaster.


The train ticketing system is a farcePurple train. To keep your spending away from the buffers, you need to learn how to play the system with hidden tricks.

This guide has 20 sneaky ways to save on fares, including how to split tickets (you can use our free tool), beat booking fees, find hidden promotions and much more.

Book 12+ weeks early for the cheapest tickets

book 12 weeks early

Booking early is normally best - and the key is normally to start looking at least 12 weeks before.

Contractually Network Rail must have the timetable set 12 weeks in advance. So train operators commonly release cheap advance tickets shortly after. It's not always dead on 12 weeks though, often more like 10 or 11.

Some train companies are now starting to release advance tickets even earlier – with the caveat that times could change slightly. For example, Virgin East Coast releases advance tickets 24 weeks ahead for routes from stations north of York into London.

Get a free alert when tickets go on sale

If you know when and where you want to go, there's a sneaky way to be first in the cheap tickets queue. If you sign up and fill in your journey details with TheTrainline's* ticket alert system, you will get an email when cheap advance tickets for that specific journey come on sale (commonly the cheapest fares).

To help, National Rail has a future travel chart, showing the furthest away date in the future you can buy advance tickets for each train firm.

Split your tickets, not your journey

Used train ticketsThis is the big trick everyone should know. Instead of buying tickets for the whole journey, bizarrely, buying tickets for its constituent parts separately can slash the price – even though you're travelling on exactly the same train.

It's perfectly allowed within the National Rail Conditions of Carriage. The only rule is that the train must call at the stations you buy tickets for.

Save £219 on a London-Durham return

To show how this works, we unearthed this cracking example. For a London to Durham return, the cheapest ticket was an anytime return at £301. Yet the train stopped at York, so instead we found four singles:

Split Ticketing

The total cost for those tickets was just £82, a saving of £219. Just to clear it up…

It's the same train at the same time - the only difference is you've four tickets covering the journey rather than one

Full step-by-step guide to finding split tickets

Watch out if you need to change trains

In the rare event that you book specific tickets, your split ticket stop coincides with the station where you change trains, and your first train runs late, then your second ticket might not be valid for the next leg of the journey.

For example, if you travel from Aford to Cshire via Btown and split your tickets at Btown, but you need to change trains at Btown, then if the Aford to Btown train is late, your ticket may not be valid for the later Btown to Cshire train.

Finally, off-peak and super off-peak tickets require you to travel at specific times of day. If you split your tickets at a station where you change, and the delay takes you outside the off-peak time, you may have to pay again to travel during this time.

Free TicketySplit tool to find split tickets

While split ticketing gives massive savings on scores of routes, the problem's always been finding when it works. Now our split ticket tool uncovers hidden ticket combinations to cut the cost.

Just go to our new TicketySplit tool, tell it your journey, and it'll tell you where to split and the saving. This unique tool splits advance tickets as well as on-the-day tickets - often where the supersonic savings are.

Please feed back
Please add your feedback and successes to the TicketySplit forum discussion. If you spot any glitches, please email, letting us know which mobile phone you're using.

Anything to watch out for?
As with all split ticketing, the train MUST call at all the stations you buy tickets to and from. Beware split-ticketing at stations where you change trains: if your service is delayed and you've a time-specific ticket, you may need to pay extra. See a full warning.

Quick questions

How do I buy split tickets?

Can you save by splitting a ticket more than once?

Can you split return tickets?

What if I'm delayed on the journey?

How does the tool make money?

Book early, late

Most people know buying train tickets before you travel is nearly always cheaper, but many don't realise you can often buy them right down to the wire. The golden rule is:

Always check if tickets are still available the night before - you may even be able to get some on the day

If tickets haven't sold out, one rail firm still let you buy advance tickets on the day. Many more let you buy the day before - so never assume it's too late. (Always make sure you'll have enough time to get your tickets beforehand as with some third party sites it can take up to two hours before your ticket's ready for collection.)

Here we've listed the cut-off points for advance tickets with each train provider. We update this table regularly but policies can sometimes change, so always check.

On the day CrossCountry (up to 15 minutes before subject to availability),
11.59pm the day before Abellio Greater Anglia, Virgin East Coast, Grand Central, London Midland, South West Trains, Virgin Trains
6pm the day before Arriva Trains Wales, Chiltern Railways (at ticket offices; 9pm via website or app), East Midlands Trains, First TransPennine Express, Great Western Railway, First Hull Trains, Northern, ScotRail, Southeastern, Southern Rail.
Other Heathrow Express (1) Stansted Express (online only at least three days in advance), NI Railways Enterprise (5pm the day before travel; 72 hours for cross-border service), C2C (must be at least seven days in advance).
Advance tickets not available Gatwick Express (2), Merseyrail, Thameslink
Table correct as of 17 June 2016. (1) There are 14, 30 & 90 advance ticket options but Express Savers can be bought right up to boarding. (2) You can save 10% buying online

Spend over £90/year? Consider a railcard

RailcardsRailcards can cut a third off the bill. You can buy them on the Railcard site and most are usually £30 per year or £70 for three (works out at £23.30/year). So spend more than £90 a year, even on just one trip, and it's cheaper.

All railcards, except the Network railcard, also give you up to a third off off-peak rail and tube travel in London on Oyster pay-as-you-go, or on Day Travelcards. Just go to an underground ticket office with your railcard and ask them to register it to your Oyster card or buy a travelcard.

Check our Railcard Deals page for discounts.

Don't assume every journey's eligible for a railcard discount, although time restrictions never apply on weekends and bank holidays. Always check first, especially if travelling at peak times as these vary by operator.

UK railcards
1-YR 3-YR
A third off adult fares Under-26s or full-time students of any age Can be used any time, but travelling before 10am on weekdays the min fare after discount is £12. £30 £70
A third off adult fares; 60% off child fares

Up to four adults (aged 16+); up to four children (aged five-15)

Can't use it during the weekday morning peak period when travelling between stations in theSouth East and London. Must travel with a child to get the adult discount.

£30 £70
A third off adult fares for two named persons Over-16s

Can't use it before 9.30am on weekdays. Both named persons on the card must travel together.

£30 N/A
A third off adult fares Over-60s1 Can't use it in weekday morning peak hours when travelling between stations in the South East and London. £30 £70
A third off for you and an adult companion

You may qualify if you receive disability-related benefits and/or have certain disabilities. Your companion doesn’t need to be a carer.

None - you can use it across the entire National Rail network any time, any day. £20 £54
A third off adult fares and 60% off for children insouthern England Up to four adults (aged 16+); up to four kids (aged 5-15) Can't normally be used before 10am on weekdays, though some operators allow you to use it a little earlier. £13 min spend for adults from Mon to Fri. £302 N/A
1. Some local councils give discounts on the £30 cost of this card, so it's worth checking with yours first. Use's local council finder. 2. If you've a season ticket for London or south-east England, you qualify for a Gold Card, which gives similar discounts to the Network Railcard.

Got a season ticket for London or the South East? Get a free Gold Card

If you buy an annual season ticket for a route which starts and/or ends in the Network Railcard area (effectively London and the South East), or if you buy an annual Travelcard from Transport for London, you'll also get a Gold Card.

This gives a similar discount as a Network Railcard but also gives you a third off off-peak travel in London with an Oyster card - so you don't need to buy one separately. When you buy a qualifying season ticket, the pass given to you should also say "Gold Card" at the bottom. Those buying an annual Travelcard on their Oyster card will be given a separate Gold Card at the ticket office.

Just as with a normal railcard, you'll need to take your Gold Card with you to get the discount when travelling on eligible routes. To get the discounts on tube and London rail journeys, ask a London Underground ticket office to check a Gold Card discount has been loaded onto your Oyster card.

In Jan 2015, the benefits you get with the Gold Card changed - for one, you are now able to use it in across a wider area. For more info, see the National Rail website.

Regular traveller? Grab a season ticket

Regular rail users and commuters should always consider annual season tickets. National Rail's season ticket calculator is a nifty little tool to help you work out the cost.

The same journeys often have multiple season ticket options. Check them all, as it can make a real difference. A standard 12-month Bristol Temple Meads to London season ticket is £11,120. Yet if you restrict your travel to the Warminster and Salisbury route, it's £7,812.

Getting a season ticket on a heavy commuter route? Check if there are any split ticket options. It can be possible to save with two season tickets covering different journey legs.

Don't forget, if you've an annual season ticket inside the Network Railcard area, you get under-utilised extra perks through the Gold Card scheme.

To see how you might be able to save on the cost of your season ticket, read ourCheaper Train Season Tickets guide.

Singles can beat returns

Searching for train ticketsReturns should be better value but often aren’t. Lots of top deals are only available on one-way fares. It's very common that cheaper fares are available for two single tickets but not the return, so always check.

The web makes finding them easy as you'll often be shown both single and return fares.

Save £266 on a London to Manchester return

As an example, a search for a seat on a London to Manchester train, coming back the next day, brought up a standard anytime return ticket costing a whopping £332. A quick check instantly found that for the same journey, an outbound advance single ticket was £36, while coming back, a Manchester-London advance single cost £26 - a total of £62 for the journey.

Use the top UK train booking sites

There are seven main ways to search out cheap train tickets online. Bizarrely, different sites sometimes list different tickets, so for a belt 'n' braces check on a big fare, try a few.

The main UK-wide booking sites
Virgin East Coast No No No Free1 £6.45
Virgin East Coast sells all train companies' tickets. *Postage is free if a station has no ticket collection machine. No No No £1 £6
Devoted train nerds on our forum rate this site, which clearly highlights the cheapest fares when you search.
RedSpottedHanky £1 per booking. No No N/A £10
Tesco points stashers can double their vouchers' value on RedSpottedHanky tickets.
Read more.
TheTrainline* Between 25p to £1.50 depending on ticket price. £1 per booking on mobile app. 2% of transaction or £1.50 on mobile app No £1 (for 2nd class post) £7.50
If you’re flexible, bash in your destination on its Best Fare Finder and it’ll hunt for the cheapest days and travel times.


4.5% (or 2.5% if charge is more than £5) No £1.501 £7.50
Sometimes highlights hard-to-spot deals, eg, when first class is cheaper than standard.
Train operators' own sites N/A N/A N/A N/A N/A
Check the relevant train firm's own site, as they often give discounts.
National Rail N/A N/A N/A N/A N/A
It doesn't sell tickets, but it lists fares and has great depth of search. It links to train operators, most of which are fee-free.
1 You'll only be charged for postage if your departure station has ticket collection facilities and you choose to have your tickets posted.

Double Tesco vouchers' value on rail fares

Spend Tesco Clubcard vouchers on goods in its Tesco Clubcard Partners* list and their value’s up to quadrupled, so a £10 voucher becomes up to £40.

Use Tesco Clubcard for rail faresOne of the deals featured is with train ticket shopRedSpottedHanky. Swap a £10 voucher and it’s worth £20. It includes cheap advance fares and you can use your railcard. Sadly, there's a £1 booking fee.

In our check, prices were similar to elsewhere, so this is still a decent saving. To book, go to Tesco Partners*. The minimum order is £5 (for a £10 rail voucher) and vouchers are valid for six months.

Before doubling on RedSpottedHanky, check Tesco's Clubcard Partner list, as you may be able to quadruple vouchers' value elsewhere. See our Top 10 Tesco Partner Rewards.

Only pay peak for the bit that is

Train peak times are usually before 10am and between 4pm and 7pm. Yet if a long train journey's during peak time, even if a portion of it's outside peak time and you return outside peak time, you still pay peak ticket price for the whole return journey.

By following split ticketing based on time as well as distance, you can ensure you're only paying peak prices for the portion of the journey that's actually in the peak hours.

How much you can save... £76 off a Ldn to Manc peak train return

As an example, on testing a London to Manchester return journey leaving at 8.40am and returning at 6.35pm we found a standard return fare for £130. By splitting the ticket, at Milton Keynes on the way out and Stoke-on-Trent on the return journey, it knocks off £76 to the total fare.

This is because from Milton Keynes to Manchester on the way up, and Stoke-on-Trent to London on the way back, you're only paying for an off-peak fare, slashing the overall cost of the journey.

Grab £1 Megatrain fares

A bit like a pound shop for train tickets, Megatrain flogs hundreds of singles from £1 for routes across England, plus a 50p booking fee.

Wondering why there's a Megabus logo at the top of the Megatrain site? Its booking system's the same as Megabus coach tickets, probably because it hopes £1 train tickets will draw people in. Pick travelling by train in the dropdown, and it won't show bus fares.

Fares from a quid include Southampton to London and Bath to London.

Click to see ful map of Megatrain routesDon't worry, it's not a cheap 'n' cheerful train. The site is run by Stagecoach, which runs South West Trains and East Midlands Trains.

You're on the same service as everyone else, so for London to Bath Spa it's South West Trains.

What routes are included?

Megatrain goes to 19 destinations, via different routes.

There's no map or destinations list on Megatrain's site, but it's kindly allowed us to update an old map with all the latest routes and reproduce it here (see right)

Or check our list of all Megatrain routes

When can you get them?

While normal cheap advance tickets are released 10-12 weeks in advance, Megatrain only releases tickets 45 days before – handy for those booking later.

These are 'spare capacity' tickets, so there are more for less-popular times. Once the £1 tickets have gone, there are still uber-cheap fares, eg, £3, £5, £7. Popular routes sell like hot cakes, so make a note in your diary to grab the date you want.

Another crafty trick is to combine Megatrain fares with split ticketing. If Megatrain covers part of your journey, grab a Megatrain ticket for one leg of your journey and a cheap advance for the rest.

Grab ultra-cheap train deals

There are more promotional train fares available than people realise. For the ultra-cheap deals, you have to know where to look and be flexible.

We've a regularly updated list of super-cheap train promos, vouchers and codes. See Cheap Train & Coach Deals for full information.

Also check National Rail's local promotions index. Offers change all the time and include everything from Kids for a Quid with Southeastern to eight-week first class upgrades for mums-to-be with Greater Anglia.

Get cashback on all train tickets

Cashback credit cards pay you back each time you spend on the card. They are a great way to shave down the cost of transport, especially as some now offer boosted cashback, but ALWAYS...

Set up a direct debit to repay the card in full each month, so you never pay interest, which would outstrip any gain.

The reason card companies offer cashback or reward schemes is simple. They want to encourage you to spend on the card and pay them interest. The interest cost of all cashback cards dwarfs the cashback you'll earn. For full details on what to consider before applying, see Top Cashback Cards.

Here's one of the top ones:

Amex Logo

5% cashback for the first 3 months on National Rail & TfL


The American Express* Platinum Cashback Everyday card is the top fee-free card, especially if you've big spending to do in the next few months, as it has a great introductory rate, then tiered ongoing cashback. The 5% cashback covers all purchases, including spending on public transport.

  • To get the maximum intro cashback, you need to spend £2,000 within three months.
  • After the intro offer's over, you'll automatically be put onto the tiered spending rates: £0 to £3,500 gets 0.5% cashback (the initial £2k spend counts towards this). From £3,501 to £7,500, you get 1%. All spending above £7,501 gets the full 1.25% cashback.
  • You need to spend at least £3,000 to get any cashback at all.
  • The introductory 5% rate is not available to existing Amex Card members.
  • Set up a direct debit to pay in full every month when you get the card, otherwise any cashback you earn will be quickly eaten up by the 22.9% representative APR.

(MSE's free tool)
(at lender site)

Protect your credit score and check chances of getting card

  • Cashback: 3mths 5% (max £100) | Tiered up to 1.25% after
  • Paid out: On card anniversary
  • Max cashback/year: N/A
  • Annual fee: None | Min spend: £3,000 per year | Card issuer: Amex
  • Rate: 22.9% representative APR (See Official APR Example)
  • Min income: £20,000

Each time you apply for one of these cards, you'll be credit-checked by the lenders. Multiple applications in a short period can affect your future ability to get credit. Read full details in the Credit Rating guide.

The easy way to pay off in full

It's easy to do this via a direct debit, which allows the card company to take a variable monthly amount to correspond with what you owe it. Sadly some providers deliberately omit the 'pay off in full' option from direct debit forms, as it makes them less money. If it's missing from your form, just write in "pay off in full" yourself. They should honour it, but call up after a week or so and check it's worked.

There are a few credit cards around which pay a boosted rate of cashback for train tickets. Check out the top overall picks in the Top Cashback Cards guide - as they may be suitable if you spend big in other areas.

» Read more