Money & Personal Finance Expert

Victoria Russell

Vikki has worked across financial services for over 20years, and for the last 15 years, created and nurtured a career within MoneySuperMarket Group, leading to her current role as General Manager for the Money vertical and MoneySavingExpert Commercial.

Vikki says:

‘I am, and always have been, passionate about MoneySuperMarket’s mission to help households save money. Managing your finances can be daunting and confusing at times. It is important that our customers see the best deals for their needs, know what they are eligible for and that we make the process of managing their finances as simple as possible. The end results – to save them money.'

To hear more about how Vikki’s career started at MoneySuperMarket Group, you can read her blog here:

Getting to know Victoria Russell - Moneysupermarket Group

Victoria's Experience

Vikki’s role involves building strong, high growth relationships with our partners at MoneySuperMarket Group across multiple Money channels and products, to ensure that we offer households the best opportunities to cut costs.

During Vikki’s tenure, she has supported MoneySuperMarket to be a leading force in the industry for Cards and Loans eligibility services, bringing more transparency to our customers on what products they are eligible for upfront, and encouraging others to follow suit.

As a forward-thinking, innovative leader, Vikki is always on the look out for what’s new in the market, the latest developments and how we can keep MoneySuperMarket Group on the cutting edge for Money.

Expertise

Money
Personal Finance

groom putting wedding ring on bride's finger

What is the best way to fund a wedding?

Your big day can come at a big cost. In our guide, we explore the different ways you can fund your wedding

Lifetime ISAs

Lifetime ISAs are tax-efficient long-term savings accounts that come with a government bonus. Read our guide to find out how to choose the best lifetime ISA for your savings goal

Car leasing vs buying

Buying or leasing a car is a big decision, our guide explains the different options and how they work

Woman on the phone with credit card in hand

Should I get a credit card?

Credit cards are a staple of modern financial life, offering convenience, rewards, and the opportunity to build credit. However, before you dive in, it's essential to understand the ins and outs to make an informed decision. This guide will walk you through everything you need to consider before getting a credit card, its uses, benefits, risks, and how to choose the right one for you.

News & Guides

Multiple Bank AccountsWhat are the rules around multiple current accounts and what are the benefits and pitfalls? Our guide explains everything you need to know.
Switching Bank AccountsSwitching bank accounts doesn’t have to be stressful. With the Current Account Switch Service (CASS), you can do it in a few simple steps
No credit check loans If you have bad credit, otherwise known as a low credit score or poor credit history, you might be searching for a ‘no-credit check loan’. Our guide covers what is involved in applying for bad credit loans and what to consider...
Joint Savings AccountsYou may be thinking about combining your savings with a partner, friend, or family member. Our guide gives you the rundown on joint savings accounts
Easy-to-get credit cardsFinding a credit card with poor credit can be tough, but some cards are easier to get than others. Our guide explains more.
Business credit cardsA business credit card could make your financial admin easier and offer benefits, from travel insurance and cashback, to 0% on purchases for a time
Lump sum savingsInvesting a lump sum wisely can make a big difference to your future finances. Find out more about where to save and invest money with our guide to lump sum savings.
Cancel a credit cardIf you’re no longer using a credit card, you might think it’s sensible to cancel it. But how do you go about it and is it a good idea?
ISA transfers explainedTransferring an ISA isn’t complicated, but you do have to take the correct steps to avoid losing the tax free benefit
What is a cash ISA?Read more about the popular tax-free savings wrappers. We'll explain how cash ISAs work, their pros and cons and how to find one that works for you.
Best Children’s Savings AccountsOpening a savings account can be a great way to get kids into the habit of saving. Where’s best to start?
Understanding Individual Voluntary Arrangements (IVA) and Car Finance
Credit Score Capital of the UKSee how your credit score compares to average scores in different parts of the country
Can I sell a car with outstanding PCP finance?
Understanding Your Credit Card
Is it possible to buy a car with a credit card?
Should I get a credit card or a loan?
Admiral LoansInitially only offering car insurance, Admiral now also offers financial products such as car finance and personal loans
Electric car financeAs the push to switch to electric vehicles continues, our guide can help you decide on the best finance option for your new or secondhand electric car.
HSBC LoansOne of the world’s biggest banks, HSBC lends money in 65 countries worldwide. See if a personal loan from HSBC could suit your needs
Santander Bank LoansSantander has been banking since the 1800s, and today it offers a range of financial services including loans, mortgages, and credit cards
Tesco Bank LoansTesco Bank offers personal loans to suit a variety of purposes as well as other banking and insurance services
What is an Isa?Unsure what an ISA is and how they work? Our guide outlines the different types of ISA and explains the key things you need to know
Types of loans When it comes to borrowing it’s not just the amount you need and the interest rate to consider, it’s also the type of loan that’s important
118 118 LoansSimple and fast loans – see if 118 118 can help you cover costs
What is an unsecured loan?Our guide explains what an unsecured personal loan is, what to consider before you apply, and how you can get one that's right for you.
Online-only banks As the world becomes increasingly digital, so has the way we bank. Our guide to online-only banks in the UK tells you everything you need to know
Can I avoid mid-contract broadband price rises?Broadband got more expensive? Sadly, mid-contract price rises are a fact of life. Here’s what you can do about it.
BT price increases: What are my options?Between annual price rises and out-of-contract costs, BT customers tend to see a few price rises in their time with the provider. If you’ve been affected, read on and we’ll look at the hows and whys of price rises, and what your consumer rights are.
Green savings bonds If you want to earn a return on your savings but you’d like your money invested in environmentally-sound projects, green savings bonds could be for you...
Personal overseas transfers
Transferring a large sum of money internationallyFind out how to transfer large sums abroad – and what you should look out for in fees, exchange rates and more
What is a prepaid travel card?Buying a prepaid card for your travels saves you having to carry around wads of cash when you’re on holiday.
Regular personal transfers
What is a prepaid card?Prepaid cards are an alternative to using cash, and don’t require you to open a bank account. Our guide explains how prepaid cards work, from topping them up to travelling abroad.
How to send money transfers overseas instantlyThere are several ways to instantly transfer money overseas, whether you need to pay off a debt or send money to your friends or family
Regular savings accountsWIth a regular savings account you can put money away monthly and start to see your nest egg grow
Notice Savings AccountsNeed a high paying savings account but don’t need immediate access to your money? A notice account might suit you. Find out more...
Saving for RetirementPensions, investments or savings could all have a role to play as you prepare your finances for the future
Pensions or savings?No matter how far you are to retirement age, it’s a good idea to think about how you’ll cope financially when you’re no longer working
Savings ProtectionYou’ve worked hard for your money, so you need to be certain it will be safe wherever you choose to put it
Choosing the best type of savings account With such a wide range of savings accounts to choose from, how do you know which one is right for you?
What is a High Interest or High Yield Savings Account?Seeking out high savings rates can be tricky. Here’s how to compare accounts and make the most of your money
Personal savings allowanceThanks to the personal savings allowance most savers don’t pay tax on the interest they earn. Here’s how it works...
What are savings bonds?Saving bonds can be a smart way to save if you can lock your money away for a fixed time. Here’s everything you need to know
Dormant bank accountsFind out how you can recover a dormant account in just a few steps
Children’s savings bonds Children’s Savings Bonds were a way to save for your children’s future. Find the best interest rates and discover other great ways to save for your kids with us.
Switching credit cardsCredit cards have multiple uses but because our financial circumstances sometimes change, the one you have isn’t always the one that you need. If this is the case, how do you switch to a new credit card? Our guide explains
Rejected for credit Being turned down for credit can stop you getting a mortgage, loan, credit card and even a bank account or mobile phone contract. Our guide looks at why it might happen and what you can do about it
How long does it take to apply for a credit card? How long it’ll take for your credit card to arrive can depend on a few factors. In our guide, MoneySuperMarket lets you know how long it might take.
Premium Credit CardsPremium credit cards come with a host of luxurious benefits but charge a costly fee. Read on to find out if this could be the right credit card for you
Samsung PaySamsung Pay is a feature of Samsung Wallet, which allows you to make contactless payments through Samsung devices
What is cashback?Cashback is a way of being rewarded every time you spend on your credit card. But how do cashback credit cards work and are they right for you?
Using a credit card to build your credit scoreLooking to improve your credit score but not sure where to start? This guide explains how finding the right credit card can help increase your credit rating
Guaranteed credit cards for bad credit Our guide explains how to apply for a credit card without fear of being turned down and seeing your credit rating damaged – even if you have bad credit
Buy now pay later bad creditBuy now pay later allows you to make purchases but pay for it at a later date. But can you use a payment plan like this if you’ve got a poor credit rating? We take a look...
How to get accepted for a credit cardLooking to get a credit card for the first time? Or in the market for a new card to go alongside an existing one? Our guide will explain how to get a credit card to suit your needs and how to improve your chances of being approved.
Apple PayApple Pay can be a convenient payment option – giving you the option to pay with your iPhone, iPad or Apple Watch, both in store and online. Our guide covers how it works and what to consider.
Credit card activationIf you’ve recently got a credit card, you might be wondering how you can activate it. Our guide explains all you need to know
Credit card vs debit cardCredit and debit cards can both be useful money management tools. Our handy guide explains the key differences between them and what to be careful of
Our guide to credit card securityCredit cards can be handy but in the wrong hands – there can be dire consequences. Find out how to keep your plastic safe and secure
credit card chargesCredit cards can be a useful way of managing your finances, but there can be a charges and fees to watch out for. Our guide explains the different charges and how they work, so you won’t fall foul of them
Paying off credit card debtStruggling with debt on your credit cards? Our guide explains your options and the steps you can take to pay it off more quickly
Graduate credit cardsFinished studying and looking for a credit card? Our guide explains the options to help you make the right choice
Continuous payment authorityContinuous payment authorities are used to pay bills and subscriptions, but how are they different from standing orders and direct debits, and how can you cancel them? Our guide explains more…
Contactless paymentsContactless payments are a popular way to pay. Here we cover how ‘tap and go’ works on credit and debit cards, the limits on spending, and what happens if your card is stolen.
What financial help is available to students? As well as student loans to cover tuition fees and living costs, there might be other ways of accessing the financial support you need while studying in higher education. Read on and we'll walk you through your options.
Ethical Banks It may be important to you that whoever you bank with is investing in the greater good. Our guide explains ethical banking and how you can bank conscientiously
What is a current account?A current account is a type of bank account, our guide explains how they work, their pros and cons and if you need one
Bank fraudFraudsters are using ever more sophisticated scams to con us out of our cash. Our guide explains how you can avoid being a victim
What is a Student Bank Account?All students need a bank account to help manage their finances during their studies, but a dedicated student account can provide you with helpful extra features, such as an interest-free overdraft. Our guide explains what makes them different and how they can benefit you
How to get the best car leasing dealOur guide to getting the best leasing deal and the things to consider
Car Leasing ExplainedIf you’re looking to lease a car, then PCH could be your best option. Our guide explains how it works, the pros and cons and the alternatives
Car leasing for new drivers If you’re a young or new driver, leasing a car can make it affordable for you to get behind the wheel. Find out if car leasing could be the best option for you
How to Use Your Credit Card AbroadCredit cards are a popular way to spend money overseas. In this guide, MoneySuperMarket explains how they can be used on your travels.
How to open a bank accountIt’s quick and easy to open a new bank account. Here’s the information you need to get started
Compare international bank accountsHow to use an international bank account to send money overseas
Basic bank accountsA basic bank account is often the best option for those who aren’t eligible for a standard bank account due to bad credit. Our guide explains basic bank accounts and who they’re best suited to
Bad Credit Car LeasingLeasing could be an option if you can’t afford or don’t want to buy a car outright. But is it still possible if you have a poor credit score?
Travel money saving tipsTake the pressure off when travelling abroad and sort out your finances to get the most out of your spending
Foreign currency & foreign exchangeThere are many ways of handling your finances while travelling abroad so make sure you get the most out of your travel money
Where to go for foreign exchangeIf you're looking for a place to change your travel money, you will find you have a number of different options to choose from. So which one should you go for?
Travellers chequesTravellers’ cheques are a great way to keep your travel money safe, but they’re not as popular as they once were
Prepaid cards abroadPrepaid cards are becoming increasingly popular with travellers, with the option to top-up whenever you need to make spending abroad easy
How to pay off your overdraftWhile overdrafts can offer short term cashflow to manage your finances, they might also charge interest – which could make them expensive. Our guide explores how to pay off your overdraft fast
Robo investing: a complete guideKeen to make your tax-free money work harder for you? A robo-investment ISA could be a good bet. We take a look at what to expect and what sort of returns you could receive.
How to investAre you interested in investing in the stock market but unsure of where to start? Our guide on how to invest in stocks and shares in the UK breaks it down for you
What is investing?If you’re looking for ways to supplement your income you might be considering investing.
Graduate loansYou are unlikely to be cash-rich on the day you graduate from university. But having already borrowed to fund your degree, is another loan an option? Our guide explains.
What is a bridge loan?A bridge loan can be a good solution for short-term borrowing. Our guide covers how bridge loans work so you can decide if it’s the right choice for you
Zopa loansIn the market for a personal loan? Here’s a quick rundown of how Zopa works and what they offer
Loans for young peopleNeed a loan for a new car or to fund your studies? See how young people can improve their chances of getting a loan and the alternatives
Sainsbury’s Bank LoansSainsbury’s Bank provides a range of financial services, including loans, credit cards, mortgages and insurance
PCP or HP?: Which car finance option is right for me?Personal contract plans and hire purchase have similarities but there are also key differences. Our guide can help you decide which route may suit you best for your new car
Unlocking the potential of secured loans: A comprehensive guideSecured loans can be a way to borrow more, by using your home (or another valuable asset) as security. Understand how secured loans work in our guide with pros and cons to consider
Loan-fee fraud: What is it and are you at risk?
What is a loanLoans are a way you can borrow money – usually from a bank or other financial organisations
Guaranteed loans for bad creditIs there a way of guaranteeing a successful loan application? If not, how do you maximise your chances of being approved? Our guide explains
How to borrow with bad credit You could still get a loan if you have a low credit score. Our guide explains how to improve your chances of getting approved
M&S Bank LoansM&S has been providing loans since 1989, offering a range of loan amounts and term lengths for which you can apply
Guarantor Loans
What is hire purchase?HP is a form of car finance where you pay a deposit and monthly instalments for a fixed term before you own the vehicle. Our guide explains more
Payday loans: A complete guide Everything you need to know about payday loans – the costs, the advantages and the pitfalls
Secured Vs unsecured LoansSecured and unsecured loans are different ways of borrowing money. Both have pros and cons, so it’s vital to know how they work before you apply.
Everyday LoansEveryday Loans is a high street lender that’s been running for nearly 15 years – and it could be a lifeline if you’ve got poor credit
How to apply for a loanFind out more about getting a loan, from choosing the right provider to how it affects your credit score
Multiple credit cardsCredit cards can be handy to manage your finances, but is it a good idea to have more than one and will it damage your credit rating?
Equity InvestmentsEquity investments give you a way of investing in companies through the stock market. Our guide will help you decide whether they are right for you.
Types of credit cardsStruggling to decide on the best type of credit card for you? Our guide covers the types of credit card available and their differences so you can compare
Buy now pay laterRead the pros and cons of this popular payment option
Credit buildingImprove your credit rating with one of our prepaid cards. Not only can these cards help you to build up a credit history, they don't require any credit checks or proof of income when you apply, meaning acceptance is guaranteed.
Overpaying a credit cardIf you overpay your credit card by error it’s not usually something to worry about, as our guide explains
What is chargebackWhen you buy something with a debit or credit card, you are protected through something called chargeback. Our guide explains how it works
What is a credit limit?Knowing your credit limit can save you from expensive mistakes when it comes to credit card spending
What affects your credit score?Your credit score determines whether you’ll be offered the best deals for mortgages, loans and credit cards, so knowing how your financial decisions affect it can be very useful
Credit cards for the self-employed When applying for a credit card, you will have to provide details of your salary. This might be a bit trickier to do when you’re self-employed and your earnings fluctuate.