How to save money if you are over 60 | consumer affairs

dining out and entertainment

With the cost of living rising, it’s more important than ever to make sure your money stretches as far as possible.

Luckily, if you are over 60 years old, you can take advantage of a variety of offers and discounts and save a lot of money.

Some pubs, restaurants, cinemas and theaters offer discounts to those over 60, especially on weekdays when people are working.

Check with your local pub as they often offer discounted lunches on certain days of the week. Some Greene King pubs offer senior loyalty schemes with 50% off every fourth meal and daily senior menus of one or maybe two courses for £4.49.

The Odeon cinema chain is offering discounted tickets for the over 60s through their Silver Cinema initiative, with tickets starting at £3.50 and tea, coffee and biscuits served before the film.

Similarly, Empire’s Seniors program for over 60s is offering tickets every Wednesday for £3.75, again with tea or coffee included.

For theatre, the Royal Shakespeare Company offers discounted tickets for the over 65s for selected performances, with 20% off all seating for Monday and Tuesday evening performances and all midweek matinees.

The over-60s can save on midweek matinees at London’s National Theatre, with seating reduced from £66 to £46 and seating from £56 to £36 in the two largest venues.

Gardens, museums and tourist attractions

National Trust Senior Membership offers a 25% discount off adult prices for over 60s who have been a member of the organization for at least five of the last ten years. It’s £57.60 for a single senior membership or £95.40 for a joint senior membership.

English Heritage offers those over 65 a reduced senior membership for £59 per year compared to £66 (or £92 per year for a joint membership if you are both over 65). This gives you access to more than 400 historical sites, free entry for up to six children and free or discounted entry to events.

You can buy a discounted lifetime membership to the Royal Horticultural Society if you are over 60 years old. It’s certainly not cheap, but the discount is substantial: £935 compared to £1,495.

Other sites offering over 60 discounts are Longleat Safari Park, House and Gardens and Beamish Open Air Museum.

The National Trust owned Ickworth House and Gardens in Suffolk. Photo: Chris Dorney/Alamy

energy and bills

Most people born before 25 September 1956 are entitled to a flat-rate heating allowance of between £250 and £600 in winter to help meet their heating bills. The amount includes a one-off “pensioner living allowance” this winter of between £150 and £300. You should get this automatically by January 13, 2023 if you’re on State Pension, but if you don’t you may need to apply.

A blue flame emerges from a gas stove.
If you are over 60 you may be entitled to a free gas safety assessment from your utility or local authority. Photo: Norrie3699/Getty Images/iStockphoto

If you receive certain benefits, such as pension credits, you can also take advantage of the cold-weather payment. This is worth £25 for each seven day ‘very cold weather’ period between 1st November and 31st March. The money should automatically go into your bank account, but if you don’t receive it, contact your pension center or job center to apply.

Check if you are entitled to a free gas safety check from your utility or local authority if you are over 60 years old. Remember that if you are struggling to pay your bills, your provider should do everything possible to help the elderly or vulnerable. For example, this could include free or discounted home insulation or the installation of a boiler or energy subsidy if you are in debt.

With the cost of groceries skyrocketing, do what you can to save on your grocery store.

The Iceland supermarket chain offers people over 60 years of age a 10% discount in store every Tuesday, with no minimum order value. You must provide proof of age to claim your discount.

Many retailers also offer loyalty program bonuses for this age group. For example, if you’re 60+ and have a Boots Advantage card, you can earn eight points (compared to four) for every £1 spent on Boots-branded products. You can also get 20% off glasses at Boots Optician.

Maltese dog
The Dogs Trust charity is offering half-price membership for those over 60. Photo: Artera Picture Library/Alamy

Meanwhile, Specsavers is offering 20% ​​off glasses in its £69+ range for the over-60s.

You can also get free NHS prescriptions if you are over 60 provided you fill in the back of the prescription form and you may be asked for proof of age.

home and pets

Rest Less, the digital community for people in their 50s, 60s and beyond, offers a wide range of discounts to its members. These include a 50% discount on an annual membership to TrustedHousesitters (usually £99 for the basic package), a site that matches homeowners with pet sitters.

The Dogs Trust charity is offering a half price membership for over 60s (£12.50 a year instead of £25). Membership gives you 24-hour access to a phone line for advice from qualified veterinarians and liability insurance if your dog causes damage or injury to another person, their property or pets.

If you are on a low income and over the age of 60, you may be able to benefit from Age UK’s ‘Handyperson’ scheme. This gives you access to free or discounted repairs and other services.


Once you have reached the legal retirement age, which is now 66 for both men and women, you are entitled to free travel on local buses in England during off-peak hours. Check the government website to see if you are eligible and apply for an Elderly Bus Pass. In Scotland, Wales and Northern Ireland you are entitled to a free bus ticket when you turn 60.

If you are traveling by train, you can apply for a senior rail card from the age of 60. This costs £30 for one year or £70 for three years and entitles you to a third discount on Standard or First Class fares.

Abigail Yearley, spokeswoman for website TopCashback, says: “There are also some great offers to save on the Bahncard itself, as we are currently offering new Trainline customers up to 31% cashback. A three-year senior rail card would cost you just under £50 .”

A train on the viaduct over the River Tamar linking Devon and Cornwall
From the age of 60 you can apply for a senior citizen card. Photo: Marc Hill/Alamy

If you’re over 60, not yet eligible for a Freedom Pass and live in London, the 60+ Oyster Pass gives you free travel on buses, Tube, tram, DLR, London Overground and most National Rail services drive in the capital. Meanwhile, the Freedom Pass for seniors gives you free travel around London and free local inland bus travel. You must meet the age criteria, which you can check on the website. The eligibility age increases in line with the statutory retirement age for women.

If you’re traveling by coach you can purchase a National Express Senior Coachcard for £15 a year (£12.50 plus £2.50 p&p) for a savings of a third over standard and fully flexible fares.

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