This is a sponsored article on behalf of CommuterClub.
If you get to work using pay-as-you-go, weekly or monthly travelcards, you're losing money.
An annual season ticket is the cheapest way to commute — saving 10%-30% compared with pay as you go — plus you protect yourself against the 1.9% fare rise due in January. But most of us can't afford to pay for a year's travel in one lump sum.
That's where CommuterClub comes in — you get the savings of an annual season ticket, but the convenience of paying by monthly direct debit. Plus, you can cancel any time you like without penalty, so you don't need to worry if your circumstances change.
Here's how it works: you make 11 monthly payments, and breeze through the station never needing to top up. Your 12th month is payment-free, giving you extra cash to spend making the most of the city, or just saving for a rainy day.
Plus, you can feel happy in the knowledge you've protected yourself against January's season ticket fares rise.
CommuterClub customers also get a free Gold Card, saving 33% on rail fares in London and the south (within the railcard area), and a host of other money-saving offers — such as discounted gym membership, and credit for Just Eat and Uber among others — helping you to make your hard-earned cash go that little bit further.
To start saving money now, go to commuterclub.co.uk and find out how much you can reduce your commute costs.
Representative example: Credit limit: £1,200. Interest: £67 Total payable: £1,267 in 11 monthly instalments of £115. Representative 10.6% APR. Interest rate: 5.6% pa (variable)