free train travel for pensioners uk

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Benefits and Entitlements

If you're 60 or over or you have a disability, you might be eligible for public transport concessions – from discounts on your rail journeys to a free bus pass.

What transport concessions are available?

Can i get a free bus pass, can i get a discount on train travel, can i get a london freedom pass, what if i have difficulty using public transport, what if i'm unable to use public transport, more travel concessions questions.

There are several national public transport concessions available to older and disabled people. Some entitle you to discounts on your fares, while others allow you to travel for free.

Eligibility for these concessions depends on whether you have a disability or your age. 

Depending on your age and your circumstances, you might be able to get one of the following free bus passes, which allow you to travel free on local buses:

• an older person's bus pass
• a disabled person's bus pass

What age do I have to be to get an older person's bus pass?

You can get an older person's bus pass when you reach State Pension age, which is currently 66 for both women and men.

Apply for your older person's bus pass on GOV.UK

If you're 60 or over and live in London, then you can get free travel on buses, trains and other modes of transport in and around London with a 60+ London Oyster photocard.

Apply for your 60+ London Oyster photocard on the TFL website

How can I get a disabled person's bus pass?

There's no central provider of the disabled person's bus pass – to find out if you're eligible and how to apply, you need to get in touch with your local council.

Find your local council and apply for a disabled person's bus pass on GOV.UK

Are there any other discounts if I'm an older person or I'm disabled?

It's a good idea to contact individual transport operators to see if they offer discounts.

For instance, National Express offers Coachcards. These are discount cards for older or disabled customers. You buy them for a set fee of £15.00 and they get you a third off the cost of your travel across the year.

Find out more and order a Coachcard on the National Express website

Depending on your age and circumstances, you might be entitled to one of the below railcards:

• a Senior Railcard
• a Disabled Person's Railcard

Both railcards are discount cards. You buy them for a set fee to last either 1 or 3 years and they get you a third off the cost of your train travel.

Can I get a Senior Railcard?

The Senior Railcard is available for anyone aged 60 or over to buy.

You can apply on the Senior Railcard website using a valid passport or UK driving licence as ID. Or, you can apply in person at most staffed railway stations.

Find out more about the Senior Railcard and apply online

Can I get a Disabled Person's Railcard?

The Disabled Person's Railcard is available to you if you meet one of the following criteria:

• you're registered as deaf or use a hearing aid
• you're registered as having a visual impairment
• you have epilepsy
• you receive a disability-related benefit, such as  Personal Independence Payment
• you receive War or Service Disablement pension
• you receive Attendance Allowance
• you receive Severe Disablement Allowance
• you receive War Pensioner's mobility supplement

Find out more about the Disabled Person's Railcard and apply online

Freedom Passes give London residents free travel in the city – including National Rail services, the Underground, buses, river services and trams – and free local bus journeys nationally.

If you live in London, you can apply for a Freedom Pass if one of the following applies to you:

• you've reached State Pension age
• you have a disability.

Find out more about Freedom Passes and apply on the London Councils website

National Rail has an interactive tool called Stations Made Easy, designed to help people find their way around stations and find more accessible routes, avoiding potential difficulties like stairs. This may be helpful if you have difficulty using public transport because of your health. 

Find out more and use the tool on the National Rail website

If you're disabled, you can't use public transport, or you don't have access to a car, you might also be able to use a community transport scheme – such as a social car, dial-a-ride, or taxicard scheme.

Shopmobility schemes help people shop in town centres by lending out wheelchairs and scooters. Some local councils also offer concessions on local public transport.

To find out what's available in your area, you can contact your local council or your local Age UK.

Find your local council on GOV.UK

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No, you can't use a free bus pass on National Express buses. To get senior concessions on National Express you need to buy a senior coachcard, which costs £15 a year.

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Yes, your bus pass will give you free travel on buses across England, including London. However, there may be specific rules about when you can travel for free, so check your local council's free bus pass guidance before travelling.

Find your local council's older person's bus pass guidance on GOV.UK

Want more information?

Apply for an older person's bus pass on GOV.UK

Apply for a disabled person's bus pass on GOV.UK

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Last updated: Apr 09 2024

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The Train Hacker

Saving You Money on Train Travel

Cheap & FREE UK Train Tickets for Over 50s & Senior Adults

By Chris P King

Seniors and adults over 50 can get cheap and FREE rail tickets for journeys across the UK in 2023.

The deals are harder to find, so we’ve worked hard to give you a comprehensive guide to the best senior rail discounts.

Making the most of Railcard offers, train company discounts, and regional and local concessionary fares can save you £££s.

Cheap & FREE UK Train Tickets for Over 50s & Senior Adults – Quick Links

Senior railcard – 1/3 off train travel in britain for over 60s, other railcard discounts – two together, family & friends & network railcards, 60+ london oyster photocard – free rail travel in london, scotrail club 50 – 20% discount on off-peak and advance tickets.

• C2C – Senior Rover Travel from Only £7

UK Regional, Urban and Local FREE Senior Rail Travel & Discounts

Cheap rail tickets for over 50s and senior adults in britain – recommendations.

A few Railcard options are available to those over the 50s – travel in pairs Two Together Railcard, travel with grandchildren Family & Friends Railcard, for flexibility to travel on your own get a Senior Railcard – Image credit: Street Photography Addict

Senior Railcards are available for anyone over 60.

And you can get money off the card before travelling in 2023.

• SAVE £20 three-year Senior Railcard
• 10% OFF one-year Senior Railcard (there are often better deals available)

SAVE money with Senior Railcard discounts

* Senior Railcard discounts are not available on peak time services Monday to Friday wholly within the London & South East Network Railcard area .

Other railcard options for seniors may work out cheaper, depending on your circumstances.

Two Together Railcard – 1/3 OFF Train Travel

• 10% OFF one-year Two Together Railcard (there are often better deals available)

SAVE money with Two Together Railcard discounts

Family & Friends Railcard – 1/3 OFF Train Travel

• SAVE £20 three-year Family & Friends Railcard
• 10% OFF one-year Family & Friends Railcard (there are often better deals available)

SAVE money with Family & Friends Railcard discounts

* Family & Friends Railcard discounts are unavailable during peak services within the London & South East Network Railcard area on Monday to Friday morning.

Network Railcard – 1/3 OFF Train Travel

Adults get 1/3 OFF and children 60% OFF all services after 10.00 in the London & South East Network Railcard area.

SAVE money with Network Railcard discounts

‘Picture yourself in a boat on a river…’ And why not enjoy a day out in Richmond travelling there for FREE with your 60+ London Oyster Photocard – Image credit: © The Train Hacker images/Chris P King

You must be over 60 to be eligible.

What’s the 60+ London Oyster Photocard Deal?

The 60+ London Oyster Photocard costs £20 and gives FREE travel on:

• London Overground
• TfL (Transport for London) Rail
• some National Rail services

Over 60-year-olds living in a London borough. Anyone eligible for a Freedom Pass can’t get this offer.

You can use the 60+ London Oyster Photocard anytime on London Overground and TfL Rail services. Anytime or after 09.30 on some National Rail services.

As well as all London Overground and TfL Rail services, you can use the 60+ London Oyster Photocard on some National Rail services on the:

• Chiltern Railway
• Great Northern
• London Midland
• Greater Anglia
• Southeastern

No further railcard or promotional discounts are available with the 60+ London Oyster Photocard.

Where can I buy 60+ London Oyster Photocard?

Buy 60+ London Oyster Photocards from:

• Online, Post Office & Post

Get a 60+ London Oyster Photocard and SAVE on London rail travel

Scotrail Club 50 membership gets discounts on travel throughout Scotland; why not visit Glasgow? – Image credit: © The Train Hacker images/Chris P King

Scotrail Club 50 is a great way to get savings on train journeys in Scotland for those who aren’t yet eligible for a Senior Railcard .

What’s the Scotrail Club 50 deal?

Scotrail Club 50 members enjoy:

• 20% OFF selected Off-Peak and Advance fares when bought via the ScotRail website
• 10% OFF selected Off-Peak and Advance fares when purchased at a train station or over the phone
• FREE hot drink when travelling with a Club 50 ticket on a route with catering facilities
• occasional special offers and promotions that save you money

Scotrail Club 50 is open to anyone aged 50 or over.

All Single and Return tickets. Anytime at weekends. Off-peak services Monday to Friday. Restrictions on train services arriving into Glasgow, Edinburgh, Dundee and Aberdeen before 09.30.

Scotrail Club 50 is available on services across the Scotrail and TransPennine Express networks.

No further railcard or promotional discounts are available with the Scotrail Club 50.

How can I buy Scotrail Club 50 tickets?

To get discounted Scotrail Club 50 tickets, you must be a Club 50 member . This only costs £15; you’ll need a photo and email address.

Scotrail Club 50 ticket discounts

Discounts for Scotrail Club 50 members, depending on where you buy your tickets:

• Online – 20% discount
• Ticket offices and telephone – 10% discount

Get Scotrail Club 50 membership and save on train tickets in Scotland

Enjoy unlimited one-day travel and visit places like Southend with a c2c Senior Rover ticket – Image credit: Bernie Lampert

c2c – Senior Rover Travel from Only £7

The Senior Rover ticket is an excellent deal for those over 65s to explore Southend, London, The Thames Estuary and everywhere on the c2c network .

What’s the c2c Senior Rover deal?

The c2c Senior Rover allows senior travellers unlimited travel across the c2c network. It costs just £7, or £10, including London destinations.

c2c Senior Rover tickets are available to anyone aged 65 years and over.

All travel from Mondays to Fridays after 09.30, excluding trains within London Travelcard (Zones 1 to 6) from 16:00 to 18:59.

c2c Senior Rover discounts are available at all stations on the c2c rail network. London rail travel on other networks isn’t included, and you can’t use it on London Underground.

You can’t combine the c2c Senior Rover offer with any railcards.

Where can I buy c2c Senior Rover tickets?

You can only buy c2c Senior Rover tickets from ticket offices and bring your passport or driving licence for ID.

Find out more about c2c Senior Rover tickets

There are even more rail discounts for older adults at the regional and urban levels. And in many cases, rail travel is FREE for senior travellers.

England – FREE and discounted senior rail travel

• Scotland – discounted senior rail travel
• Wales – discounted senior rail travel
• Northern Ireland – discounted senior rail travel

Take advantage of UK regional, urban and local FREE and discounted rail travel schemes – Image credit: © The Train Hacker images/Chris P King

Most people know that seniors in England get FREE bus travel but can also get selected FREE and discounted rail travel.

English National Concessionary Travel Scheme (ENCTS)

The English National Concessionary Travel Scheme (ENCTS) covers senior travel discounts in England. ENCTS passes – commonly known as senior bus passes – are issued locally but give cardholders FREE bus travel throughout England.

The ENCTS bus pass also allows FREE and discounted rail travel in some regional and local areas.

Recent age change in England for senior travel concessions

You must now be 66 to get your ENCTS to pass in England. Find out if you’re eligible for FREE bus and train travel .

London – Freedom Pass

The Older Persons Freedom Pass allows FREE travel on most London rail services between 09:30 and 04:30 the following morning. Eligibility is based on age and if you’re a resident of Greater London.

Get FREE senior rail travel with London Freedom Pass

Greater Manchester – £10 per year

Senior travellers who qualify for a state pension get annual off-peak rail travel in Greater Manchester for £10 per year. It includes all trains in Greater Manchester after 09:30 Monday to Friday and anytime at weekends and public holidays. Eligibility is based on age and residency in Greater Manchester.

Get senior rail travel for £10 per year in Greater Manchester

Merseyside – Over 60s Travel Pass

People aged 60 and over get FREE rail travel in Merseyside after 09:30 Monday to Friday and anytime on weekends and public holidays. The first pass costs £10, but after that, they’re FREE. Eligibility is based on age and residency in Merseyside.

Get FREE senior rail travel in Merseyside

South Yorkshire – Senior Travel Pass

Senior travellers aged 66 years and over get 50% OFF rail fares within South Yorkshire between 09:30 and 23:00 Monday to Friday and anytime at weekends and public holidays. Eligibility is based on age and residency in South Yorkshire.

Get 50% OFF senior rail travel in South Yorkshire

Tyne and Wear – Senior Travel Pass

English National Concessionary Travel Pass (CT Pass) holders in Tyne and Wear combined with a Metro Gold Card (£12 per year if you live in Tyne and Wear) get FREE Northern Rail journeys between Newcastle and Sunderland. Eligibility is based on age and residency in Tyne & Wear.

Find out about reduced senior rail tickets in Tyne & Wear

West Midlands – Older Person’s Travel Pass

Senior citizens eligible for FREE bus travel in England get FREE rail travel in the West Midlands inner Blue Zone from 09:30 to 11:59. Eligibility is based on age and residency in the West Midlands.

Get FREE senior train travel in West Midlands

West Yorkshire – Senior Pass

Older people get 50% OFF off-peak rail fares within West Yorkshire Monday to Friday and anytime at weekends and public holidays. Eligibility is based on age and residency in West Yorkshire.

Get 50% OFF rail travel in West Yorkshire

English Local Councils – Senior Rail Travel Discounts

Living outside England’s largest urban areas may still benefit from discounted rail fares for older people.

Find your local council’s website and see if they offer rail deals for seniors.

Scotland – Discounted Senior Rail Travel

Senior adults in Scotland are eligible for FREE bus travel and reduced rail fares throughout Scotland.

National Entitlement Card (NEC)

The National Entitlement Card (NEC) allows older people in Scotland to get travel discounts. Although you get your NEC locally, they let anyone living in Scotland access all discounted travel schemes throughout Scotland.

To get an NEC card, you must be 60 years old and resident in Scotland.

Get a Scottish 60+ National Entitlement Card (NEC)

Rail Discounts in Edinburgh and Glasgow for the Over 60s

Scotland’s largest cities offer the following rail travel discounts:

• Glasgow – discounted rail travel on journeys within Strathclyde and Glasgow Subway
• Edinburgh – FREE tram journeys in Edinburgh

Rail Discounts Around Scotland

Reduced train fares for 60+ NEC holders are also available in other parts of Scotland. Find out from your local authority or Transport for Scotland .

Wales – Discounted Senior Rail Travel

You can get FREE bus travel if you live in Wales and are 60 or over. But some don’t realise that FREE rail travel is available in areas where bus travel is limited.

Welsh Concessionary Travel Pass

The Welsh Government Concessionary Travel Scheme covers travel discounts for older people in Wales. It offers FREE bus travel throughout Wales to residents aged 60+. Also, depending on the route, you get FREE and discounted rail travel.

Find out more about discounted senior rail travel in Wales

Northern Ireland – Discounted Rail Travel

SmartPasses cover travel discounts for senior citizens in Northern Ireland. These allow FREE bus and rail travel within Northern Ireland and throughout Ireland.

60+ Smartpass

If you’re between 60 and 64 and a permanent Northern Ireland resident, you can get a 60 Plus SmartPass. It entitles you to FREE bus and rail travel throughout Northern Ireland.

Senior (65+0 SmartPass

If you’re over 65 and a permanent Northern Ireland resident, you can get a Senior SmartPass. It entitles you to FREE bus and most rail travel throughout the whole of Ireland.

Find out about how to apply for SmartPasses

Senior rail travellers in the UK have plenty of options to get cheap train tickets, while others will be delighted to get them for FREE – Image credit: Nicolas Alejandro

If you’ve reached 50, you can benefit from cheaper rail tickets in Scotland. To make the most of the deals, you’ll need to weigh the costs of train tickets plus Club 50 or Senior Railcard membership.

You can still get deals in other parts of Britain if you’re 55 and over. Most run through the latter half of autumn and during the winter months.

It only takes travelling a few times a year for a Senior Railcard to save you money. These are available only for those over 60s.

Another option if you regularly travel with a partner or friend is to buy a Two Together Railcard , where you both save. A Family & Friends Railcard offers excellent savings if you like to take the grandchildren on trips out.

And don’t also forget to take advantage of regional and local council deals. London, Scotland, Wales and Northern Ireland residents can start benefiting from FREE or discounted rail travel when they’re 60. People throughout the rest of England have to wait until they’re 66, but there are still deals for those that look.

Image credits: Street Photography Addict , Bernie Lampert, Nicolas Alejandro

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Exploring the Perks: Is Train Travel Free for Pensioners?

As retirement approaches, many individuals look forward to exploring new pastimes and enjoying a well-deserved break from the daily grind. 

One of the benefits that come with reaching the pension age in the UK is the possibility of free or discounted travel on various forms of public transportation. However, many people find themselves wondering, is train travel free for pensioners?

In this guide, we are going to explore this frequently asked question. Join us as we delve into the perks of train travel for pensioners in the UK .

The Senior Railcard

One of the most well-known and widely-used schemes in the UK is the Senior Railcard. Available to those aged 60 and above, this card offers substantial savings on train fares across the country. Using your railcard with split tickets is a no-brainer!

With a mere one-time fee, pensioners can enjoy a third off their ticket prices, whether travelling for a day trip or embarking on a longer journey. This Railcard scheme lets pensioners save money while exploring new destinations, reconnecting with loved ones, or simply taking in the picturesque landscapes of the British countryside.

The Freedom Pass Could be Your One Way Ticket to Freedom

Living in London or other eligible areas of England? Then the Freedom Pass may be your ticket to free train travel! Available to those who have reached the female state pension age (currently 66) or those with a disability, this pass allows unlimited travel on buses, trams, underground services, and even trains within the designated area. Exploring the vibrant city or enjoying a leisurely day trip is made all the more enjoyable when you don’t need to worry about the cost of travel.

Regional Concessionary Fares:

Aside from national schemes, various regions offer their own concessionary fares for pensioners. These schemes differ depending on where you reside, so it’s worth checking with your local council or transportation authority to see what benefits are available to you. 

From discounted tickets to free travel during off-peak hours, these regional concessions can make train travel an affordable option for pensioners throughout the UK.

Everyone can make savings with Off-Peak Travel

Train fares can become quite expensive during peak hours, causing some pensioners to miss out on certain journeys due to high costs. However, by planning your trips during off-peak hours , you can take advantage of significantly reduced fares. Enjoy a more relaxed journey and save money at the same time by opting for train travel during quieter periods.

Train travel doesn’t have to be a luxury reserved only for those in their working years. With various schemes and concessions available throughout the UK, pensioners can now explore the country’s scenic beauty, visit friends and family, or embark on new adventures without breaking the bank. 

From the Senior Railcard to regional concessions, there are options for every budget and preference. 

So, pack your bags, grab your ticket, and set off on your next train adventure – the perks of train travel for pensioners await!

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Get 1/3 off train travel with a Senior Railcard

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How much can I save?

People with a Senior Railcard  save on average £86 per year** , or  £5.26 per journey^ . If you’re travelling here’s an example of some of the savings you can make on train tickets:

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Eligibility and terms of use

• Buy a Railcard and keep it with you when you travel (on your phone or wallet)
• Save on most tickets including Advance tickets
• Valid in London & SE after the morning Peak

Read full eligibility and usage terms

Need help getting or using your Railcard?

Need help? Can't figure out what card to buy? Or just have a question?

Can I use my Senior Railcard at any time of day?

Your Railcard is not valid during the morning peak period when travelling between two stations in the  Network Railcard area  of validity.  Check locally to confirm morning peak times as these do differ.  This restriction does not apply on public holidays.

How do I purchase my Railcard online?

Please click ‘’Buy Now’’ on the website homepage and follow the instructions on the screen. You will need to provide a valid passport or UK driving licence or National Identity number to verify your date of birth online and a digital passport-style photo if you have selected ‘Digital’ under ‘Choose the type of Railcard you would like’ section.

If you have ordered a plastic Senior Railcard, please allow 5 working days for delivery. You can choose to pay for ‘Special Delivery’, but you will have to place your order before 15:45pm to guarantee that your Railcard is delivered within two days (Monday to Thursday) or three days (Friday to Sunday).

If you have ordered a digital Railcard, a download code will be sent to your registered email address, along with instructions on how to download your Railcard. 

You will not be able to travel on discounted tickets until you have your Railcard.

What is a digital Railcard?

Digital Railcards are stored within the Railcard app on your smart phone or tablet, meaning there’s no need to carry the physical card around with you. They can be stored on up to two devices and used quicker than plastic Railcards as they do not need to be sent in the post.

Click here for more information on managing your Railcard

Can I buy a Senior Railcard in advance of my 60th birthday?

If you order online then yes, you can order one up to 14 days in advance of your 60th birthday. Please note that you cannot buy Railcards in advance of your 60th birthday from rail stations.

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Free and discounted travel for over 60s 

Apply for a concessionary travel pass  for free bus and free train travel on certain routes. You can also get train tickets at reduced prices. 

With a Senior Railcard you can get 1/3 off rail fares to travel across Britain. Visit senior-railcard.co.uk to see how you can apply and how much you could save. 

You're entitled to a Concessionary Travel Card if you're at least 60 years old and your primary residence is in Wales.

You're entitled to a Concessionary Travel Card if you are an eligible disabled person and your primary residence is in Wales.

NEWS... BUT NOT AS YOU KNOW IT

Who can travel on UK public transport for free?

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For a majority of people, travelling in the UK using public transport is far from free.

Whether you’re in England, Scotland, Wales or Northern Ireland, most adults will have to shell out a few quid for bus tickets, or pay a heftier fee for monthly passes or train tickets .

However, some people can access free travel – by bus or even, in a few rare cases, rail – depending on where they live, their age, and whether or not they have a disability.

Free travel could be a huge help, especially given the current cost of living crisis.

So, if you’re wondering whether you might be eligible for free public transport where you are, we’ve rounded up all the information – plus where you need to go to learn more or apply.

Let’s take a look…

Who can travel on public transport for free in the UK?

Here is a breakdown of some of those who are eligible for free travel across the UK.

Free travel for under 18s, over 60s and disabled people in London

We’ll kick off with London … and its network of Tubes, Overground trains, DLR trains, trams and buses.

Firstly, under 5s travel for free on buses and the Tube, plus other Transport for London (TfL) services mentioned, if they’re with a fee-paying adult.

Children up to age 17 can also benefit from free travel, with children aged 5 to 10 also able to travel for free on the Tube, DLR, buses, trams, etc, using the ZIp Oyster Photocard .

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The ZIP Oyster Photocard is also available for children aged 11 to 15 , providing free bus and tram travel (not Tube), and for 16 to 17 year olds who specifically live in London , again for free buses and trams.

Over 60s living in London can get free travel with an Oyster Photocard , while anyone over 66 (state pension age in England) or who has a disability and lives in London can travel for free using the Freedom Pass .

Finally, veterans may be entitled to free travel in London with the Veterans Oyster Photocard .

Check the TfL website for any stipulations , such as services and times will accept your photocard or Freedom Pass.

Free bus travel for over 66s in England

When you reach the state pension age in England (currently 66), you can get free bus travel .

You’ll have to apply through your local council. Start by typing in your postcode on gov.uk .

Free bus travel for under 5s in England, Scotland and Northern Ireland

In both England and Scotland, children under the age of 5 usually travel for free on buses.

In England, you might find this varies by bus operator – and may only apply if the child is accompanied by a fee-paying adult. It may also apply to local metro or tram travel, too.

For example, we noticed that the Metro in Newcastle-upon-Tyne allows up to three children under age 11 to travel for free , again if the adult accompanying them has paid for a ticket.

Your best bet is to check the policy on the website of your local public transport provider.

In Scotland, all children under 5 go free on buses.

In Northern Ireland, under 5s appear to go free on some Translink buses (from what we can tell) – though may be included as ‘part of a party’ in the cost of Family Tickets . It’s worth checking directly.

Free bus travel for under 22s in Scotland

The Young Persons Free Bus Travel Scheme in Scotland is really good news for people aged 21 or younger.

Under 22s are now able to apply for a pass granting them free travel on buses, even beyond their local area.

On gov.scot , it says: ‘The scheme will give you free travel on any bus in any part of Scotland on registered bus services.

‘You can travel on buses outside the area you live in using your card. Only a few services, such as premium-fare night buses and City Sightseeing buses, will not accept the card.’

Free bus travel for over 60s in Scotland

Anyone aged 60 or over in Scotland can also apply for free bus travel, by visiting the gov.scot website .

The pass, called the National Entitlement Card, is designed to help people get around their local area, but can also help with travel further afield within Scotland.

Free bus and rail travel for under 11s in Wales

According to Transport for Wales , under 11s travel for free on buses and trains, when accompanied by an adult ticket holder.

Under 16s can also enjoy free off-peak travel.

Free bus travel (and some rail) in Wales for over 60s

Anyone over 60 can apply for a bus pass enabling free travel in Wales, called a Concessionary Travel Pass.

As with England, you can apply via your local authority, which you can find by entering your postcode on gov.uk .

This Concessionary Travel Pass also allows for some free rail travel, including on routes from Wrexham to Hawarden Bridge, Shrewsbury to Swansea, or Llandudno to Blaenau Ffestiniog.

However, some routes come with stipulations – such as only being able to travel for free from October to March. You also still need to get a ticket, even if you’re not paying.

There’s more information on Transport for Wales’ website .

Free bus travel for over 60s in Northern Ireland

People aged 60 or over in Northern Ireland are able to get free bus travel on the country’s Translink services.

You can read the fine print and start your application on the NI Direct government website .

Free bus, train and LUAS tram travel for over 65s across Ireland

Older people in Northern Ireland may also be able to travel across the whole Emerald Isle for free.

The All Ireland Free Travel Scheme allows for free bus and rail travel in both Northern Ireland the Republic of Ireland – including on Dublin’s LUAS trams (with a few exceptions, of course).

To qualify, you must be a resident of Northern Ireland, aged 65 or older, or a resident of the Republic of Ireland, aged 66 or over. There may also be a few other people who can qualify.

Find out more on NI Direct and on Ireland’s government website, gov.ie .

Free bus travel for disabled people across the UK

People across the UK who have a disability will (mostly) find they are eligible to receive free travel on public transport, mainly buses.

In England, you can apply for a bus pass via your local council’s website, which you can reach by visiting gov.uk .

Residents of Scotland with disabilities can apply for the National Entitlement Card . There is also the Welsh Disabled Concessionary Travel Card, which you can apply for via Transport for Wales .

In Northern Ireland, people who are registered blind or are war disablement pensioners are eligible for free bus travel.

People with learning disabilities, who are partially-sighted, unable to drive on medical grounds, or get the mobility part of Personal Independence Payment (PIP) can get half price travel.

You can find out more and apply for the relevant SmartPass via NI Direct .

Finally, though not free, it’s worth knowing about the Disabled Persons’ Railcard , which can help save up to 1/3 on train fares in the UK (as when it comes to train prices, every little really does help…)

Free school transport for some children across the UK

Last but not least: some UK children are able to get free travel to and from schoo.

If you are eligible to receive this, it will depend on a few things, such as your child’s age and their proximity to school – plus if the nearest school is a few miles away from them.

Children who have no safe walking route home, or who have special educational needs, may also qualify.

To find out if you can get free school transport for your child/ren, visit gov.uk (for England and Wales), gov.scot (for Scotland) and EANI (for Northern Ireland).

One final note

The above is a guide to what kind of free public transport is available in the UK, but doesn’t cover every individual operator.

Things may change over time, there may be stipulations to the free travel, or things may differ slightly depending on who provides public transport in your area.

Always check the website, and read the T&Cs when applying for travel passes.

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Public Transport Concessions: Free Bus Pass, Senior Railcard and More

Estimated Reading Time: 10 minutes

Eva Taylor-Jones

Customer Care Expert

Last Updated: 23/04/2024

Older adults in the UK are eligible for a variety of public transport concessions, helping save you money in the process. These include a Senior Railcard, a Disabled Persons Railcard, an Older Person’s Bus Pass and more!

Here, we’ve looked at how to get each of these discounts or freebies for older adults, along with other discounted forms of public transport you may be eligible for.

We also have an article dedicated to discounts for carers .

Where would you like to live?

Browse the best retirement homes near you through Lottie.

In this article:

• Discounts on rail travel
• Free bus pass
• Senior rail travel and bus discounts throughout the UK

London Freedom Pass

60+ london oyster photocard, discounts on rail travel.

You could be eligible for one of the following railcards that’ll get you discounts on train services, depending on your age, relationship and whether you’re classed as having a disability:

• Senior Railcard (60 years and over)

Disabled Persons Railcard

• Two Together Railcard

Both of these are discount cards. You purchase them each year for a set fee and they get you a third off the cost of your train travel.

Senior Railcard

The Senior Railcard is available for anyone aged 60 and over to buy. This costs just £30 (or £70 for three years), so will have effectively paid for itself after only a few train trips.

When using the Senior Railcard, you can expect to make average annual savings of £76, or £5.34 per journey. For example, a train from London to Liverpool goes down from around £68.60 to £45.25, while a train from Doncaster to London goes down from £32.50 to £21.45.

You can apply for one of these through the Senior Railcard website . You’ll need a valid passport or UK driving licence for ID. You can also apply in person at some of the UK’s most staffed railway stations.

If you meet any of the following criteria, you could be eligible for a Disabled Persons Railcard:

• You receive a disability-related benefit, such as Personal Independence Payment , Attendance Allowance or Severe Disablement Allowance
• You’re registered as deaf or you use a hearing aid
• You’re registered as having a visual impairment
• You have epilepsy

To apply for this railcard or to get more information surrounding eligibility criteria, visit the Disabled Person’s Railcard website .

Senior Railcard For Couples

Though there’s no railcard specifically aimed at older couples, the Two Together Railcard works in the same way for people of all ages. This railcard is to be used by you and a second person - both of you will be named on the railcard. They’re best used by yourself and the person you travel with most - often your partner or spouse.

When using a Two Together Railcard, you get one-third off rail fares when travelling together. It costs just £30 and leads to average savings of £153 per year (or £6.26 per journey).

For example, travelling from London to Edinburgh would typically cost around £145, but this goes down to £95.70 with a Two Together Railcard. Similarly, getting the train from York to London goes down from £88 to £58.

Apply for the Two Together Railcard through the official Railcard website .

Free Bus Pass For Over 60s

You could be eligible for one of the following free bus passes, depending on your age and whether you’re classed as having a disability:

• An older person’s bus pass
• A disabled person’s bus pass

Both of these passes will get you free travel on local buses.

It might also be worth getting in touch with individual transport operators to see if they offer any discounts. For example, National Express offer Coachcards to older (60+) or disabled customers. These cost £12.50 a year and save you a third on your travel.

Older person’s bus pass

You’ll become eligible for an older person’s bus pass when you reach the State Pension age.

Apply for your bus pass through the GOV.UK website .

Disabled person’s bus pass

Unlike an older person’s bus pass, there’s no central provider for the disabled person’s bus pass.

To find out if you’re eligible and where to apply, get in touch with your local council . All you need to do is enter your postcode and you’ll be redirected to the relevant part of your local council’s website.

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Senior Rail Travel and Bus Discounts Throughout the UK

English national concessionary travel scheme.

The English National Concessionary Travel Scheme (ENCTS) covers senior travel discounts in England. Passes are issued locally, but give cardholders free bus travel throughout all of England. An ENCTS bus pass also allows for some free and discounted rail tickets. You must be 66 years or older to be eligible.

Learn more about or apply for an English National Concessionary Travel Pass

c2c Senior Rover Travel

c2c’s Senior Rover ticket allows unlimited one-day train travel for just £7 (or £10 when including London destinations). These are available to anyone aged 65 years and over.

Learn more about or buy a Senior Rover ticket

Greater Manchester Senior Travel Pass

Older adults can get free rail tickets in Greater Manchester between 09:30 and midnight Monday to Friday, and anytime at weekends and during public holidays. Eligibility is based on age and residency in Greater Manchester.

Check if you’re eligible and apply for a Greater Manchester Senior Travel Pass

Merseyside Senior Travel Pass

Senior citizens can get free rail tickets in Merseyside after 09:30 Monday to Friday (to avoid morning peak times), and anytime at weekends and during public holidays. Eligibility is based on age and residency in Merseyside.

Check if you’re eligible and apply for a Merseyside Senior Travel Pass

South Yorkshire Senior Travel Pass

Older adults get 50% off rail fares in South Yorkshire between 09:30 and 23:00 Monday to Friday, and anytime at weekends and during public holidays. Eligibility is based on age and residency in South Yorkshire.

Check if you’re eligible and apply for a South Yorkshire Senior Travel Pass

Tyne and Wear Senior Travel Pass

Older adults in Tyne and Wear can purchase reduced-price train tickets as well as extra discounts if they get a Metro Gold Card (£12 per year). Eligibility is based on age and residency in Tyne and Wear.

Check if you’re eligible and apply for a Tyne and Wear Senior Travel Pass

West Midlands Senior Travel Pass

Older adults get free train travel in the West Midlands between 09:30 and 23:00 Monday to Friday, and anytime at weekends and during public holidays. Eligibility is based on age and residency in the West Midlands.

Check if you’re eligible and apply for a West Midlands Senior Travel Pass

West Yorkshire Senior Travel Pass

Older adults get 50% off rail journeys within West Yorkshire after 09:30 Monday to Friday, and anytime at weekends and during public holidays. Eligibility is based on age and residency in West Yorkshire.

Check if you’re eligible for a West Yorkshire Senior Travel Pass

Scotrail Club 50

Members get a 20% discount on Off-Peak and Advance and cheaper flat-fare tickets when purchased online. These offers are available all year round to Scotrail customers aged 50 and over. Scotrail Club 50 is perfect for people who aren’t yet eligible for a Senior Railcard.

Get a Scotrail Club 50 membership

National Entitlement Card (NEC)

The National Entitlement Card (NEC) allows older adults in Scotland to receive travel discounts. Anyone living in Scotland can access discounted travel schemes throughout the country. To be eligible, you must also be 60 years or over.

Get a Scottish 60+ National Entitlement Card

Edinburgh and Glasgow over 60s rail discounts

Scotland’s two largest cities offer the following rail travel discounts:

• Glasgow - Discounted rail tickets on journeys within Strathclyde and Glasgow Subway
• Edinburgh - Free tram journeys in Edinburgh

There are also reduced train fares for 60+ NEC holders in other parts of Scotland.

Welsh Concessionary Travel Card

In Wales, travel discounts for older adults are covered by the Welsh Government Concessionary Travel Scheme. This offers free bus travel throughout Wales to people aged 60 and over, as well as some free and discounted rail tickets.

Apply for a Welsh Concessionary Travel Card

The following free and discounted rail travel is available to Welsh Concessionary Travel Scheme holders:

• Cardiff and Valleys Line
• Conwy Valley Line
• Wrexham to Hawarden Bridge
• Cambrian Coast
• Heart of Wales Line

Learn more about discounted senior travel in Wales

Northern Ireland

60 plus smartpass.

You’re eligible if aged between 60 and 64 while being a permanent Northern Ireland resident. A 60 Plus SmartPass entitles you to free bus and rail travel throughout the country.

Apply for a 60 Plus SmartPass

Senior SmartPass

This is aimed at permanent Northern Ireland residents over 65. They entitle you to free bus and rail travel throughout the country, along with free cross-border rail travel all along the Belfast to Dublin line.

Apply for a Senior SmartPass

London Freedom Passes allow London residents to travel around the city for free, including on trams, National Rail services, the Underground, river services and buses, as well as free local bus journeys nationally.

If you live in London, you can apply for a Freedom Pass if one of the following applies to you:

• You’ve reached the State Pension age (in this case, you’ll be eligible for an Older Person’s Freedom Pass)
• You have a disability (in this case, you’ll be eligible for a Disabled Person’s Freedom Pass)

You can travel for free on TfL (Transport for London) services with an Older Person’s Freedom Pass from 09:00 on weekdays and anytime on weekends and bank holidays. A Disabled Person’s Freedom Pass allows you to travel at any time on TfL services.

To learn more about the London Freedom Pass or to apply for it, visit the London Councils Freedom Pass webpage .

Apply for an Older Person’s Freedom Pass

Apply for a Disabled Person’s Freedom Pass

If you’re over 60 but under the State Pension age and you live in any London borough, you can get a special Oyster card for free travel in the city on several different rail services.

Many people get a 60+ London Oyster Photocard before they’re entitled to a Freedom Pass. If you’re eligible for a Freedom Pass, you can’t get a 60+ London Oyster Photocard.

This costs £20 and gives free travel on:

• The London Overground
• TfL (Transport for London) Rail

As well as all London Overground and TfL Rail services, you can also use the 60+ London Oyster Photocard on certain National Rail services on the following lines:

• Chiltern Railways
• Great Northern
• Greater Anglia
• Southeastern

You can learn more about the 60+ London Oyster Photocard and make an application through their webpage on Transport for London .

We’re on a mission to support individuals and their loved ones throughout each stage of their later living journey. For more information, check out everything Lottie has to offer.

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Free train travel for pensioners: Government asked to rethink after petition

Seniors in the UK currently get free bus travel and can claim up to a third off rail travel with a senior railcard

• 09:44, 3 OCT 2023

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The Government has been asked to rethink its stance on free train travel for pensioners after a petition reached almost 22,000 signatures. The petition to include train travel as part of concessionary benefits for those of State Pension age was rejected in August, reported the Daily Record.

Financial suitability was given as the reason, with concessionary travel already costing the taxpayer £1 billion annually. The Department for Transport said that “any changes to the minimum statutory scheme, such as free travel on rail, would therefore need to be carefully considered for their impact on the scheme’s financial sustainability”.

But the Petitions Committee has requested a revised response after claiming the DfT's response "did not directly address the requests of the petition". Seniors in the UK already get free bus travel and can claim up to a third off rail travel with a senior railcard which costs £30 for a year or £70 for three years.

The revised response will be published on the petitions Parliament website here. You can also read the full Department for Transport response on that same page.

The Department for Transport added in August, when it rejected the original petition, that “local authorities in England have the power to go beyond their statutory obligations, such as offering free travel on rail as part of the ENCTS (English National Concessionary Travel Scheme) pass”.

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Travel pass for older people

Free travel for older people.

If you qualify for a state pension, you could be eligible for free travel across the country as part of the English National Concessionary Travel Scheme.

Do you qualify?

To get a travel pass for older people you must:

• live in Greater Manchester, (if you live outside Greater Manchester, apply for a pass in your own area but you cannot add tram and train travel within Greater Manchester to passes issued by other areas); and
• qualify for a state pension. It doesn't matter if you are taking your pension or still working.

The age you qualify for a state pension isn't the same for everyone. You may need to be up to 66 to qualify depending on when you were born. If you're not sure, check your state pension age .

Costs and benefits

The pass is free, and lasts for five years.

Within Greater Manchester:

• Travel for free on all buses within Greater Manchester between 9.30am and midnight, Monday to Friday, and all day at weekends and on public holidays.
• You can also choose to pay £10 to add tram and train to your pass, for a year’s unlimited off-peak travel on Metrolink and trains within Greater Manchester. You can then travel on Metrolink trams and in trains after 9.30am on Monday to Friday, and all day on weekends and public holidays.
• If you travel outside of these times you must pay the full adult fare.

Throughout England:

• Travel for free on all local buses between 9.30am and 11pm Monday to Friday, and all day at weekends and on public holidays.

How to use the pass

You must always remember to:

• touch in at the card reader when boarding buses
• touch in and touch out at a yellow smart reader on tram stops, for Metrolink
• touch in and out at train station ticket barriers, where they are in place

Please show your card, when asked, to any Transport for Greater Manchester or transport operator official during your journey.

Smart readers on tram stops now accept contactless cards and devices for travel. Please move your concessionary pass away from your payment cards when you use a smart reader.

For example, if you keep your pass in a wallet or purse, remove it before you touch-in and touch-out. This will make sure you’re not charged on a contactless card you didn’t intend to use.

Apply by post

Download an application form or get one from an Information and Ticket Office.

If you are eligible complete the relevant form and attach:

• A passport sized colour photograph of yourself
• Proof of age – a copy of either your birth certificate, medical card, passport or driving licence
• Proof of your address – a copy of either a utility bill, local council tax bill or a Department for Work and Pensions letter from within the last 12 months

You can take your form and proof to an Information and Ticket office (Travelshop) who can check it.

You can also post your documents to the address on the application form.

Your pass will be sent to you in the post within 10 working days.

Please do not send original documents .

Renew your pass

At least two weeks before your travel pass expires, we will send you a new pass, provided it has been in use.

If you use your card often then we will send you a new one two weeks before your travel pass runs out.

If you have not used your pass in the last 12 months, you will not be issued a new card and will need to contact us to request a new card after it’s expired. If you need a pass, please call our Concessionary Travel team on 0161 244 1000.

Please note: when using your pass, you must touch-in on buses and use the validators to touch-in and out on Metrolink or when using the trains.

If you don’t then your card will show as inactive.

Updating your address

You need to let us know if you change your address. There may be a £10 charge if a card is sent to an old address.

If you feel your appearance has changed since your last renewal, please send us a new photo. This can be done via post or can also be emailed to us.

If you no longer need your pass or have any other questions please call our Concessionary Travel team on 0161 244 1000.

If you need a replacement pass

It costs £10 to replace a lost, damaged or stolen pass.

To order a replacement pass you can:

• Call us on 0161 244 1000 to make a card payment (7am to 8pm Monday to Friday and 8am to 8pm at weekends).
• Visit an Information and Ticket office (Travelshop) to order and pay for a replacement pass.

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Visit our dedicated webpage to find out how the works could affect your journeys.

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Apply for an older person's bus pass

If you live in england or wales.

In England you can get a bus pass for free travel when you reach the State Pension age .

If you live in London, you can travel free on buses, tubes and other transport when you’re 60, but only within London.

In Wales you can get a bus pass when you reach 60.

Enter your postcode to:

• apply for a bus pass from your local council
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UK Government and Parliament

Closed petition Extend the older person's bus pass to cover free train travel

We want the Government to extend the older person's bus pass so that once you reach the State Pension age you are entitled to free bus and train travel across the whole country.

Pensioners can become isolated and stuck at home after retirement, with many not being able to afford the high cost of train travel. A change to extend the older person's pass for bus travel to cover train travel would allow for easier travel across the country, enabling long day trips and other travel, which we believe would greatly enhance their mental wellbeing, by making it easier for them to get out of the house and travel to meet others and visit other places.

This petition is closed All petitions run for 6 months

21,892 signatures

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Government responded

This response was given on 9 October 2023

To help make train journeys more affordable, individuals aged 60 and over are eligible for the Senior Railcard which offers a third off rail travel.

The English National Concessionary Travel Scheme (ENCTS) provides free off-peak bus travel to those with eligible disabilities and those of state pension age, currently sixty-six, within England.

Local concessionary travel costs around £1 billion annually and any changes to the minimum statutory scheme, such as free travel on rail, would therefore need to be carefully considered for their impact on the scheme’s financial sustainability.

Local authorities in England have the power to go beyond their statutory obligations, such as offering free travel on rail as part of the ENCTS pass.

Our most recent set of statistics shows that operators in 11 out of 84 travel concession authority areas in England offered some form of discounted rail travel for the older person's concessionary pass.

The scope of any additional discretionary concessions provided and supported by a local authority is available to journeys originating or ending in the authority’s local area or in the vicinity of the authority's area, unless specific arrangements between neighbouring local authorities have been agreed.

Any additional discretionary concessions provided to ENCTS pass holders by the local authority is funded from local resources such as Business Rates and residents’ Council Tax and not Central Government.

Currently, the Government has no plans to extend ENCTS to other modes of transport.

To help make train journeys more affordable, individuals aged 60 and over are eligible for the Senior Railcard which offers a third off rail travel. The Senior Railcard costs £30.00 for one year or £70.00 for three years.

UK taxpayers contributed £31 billion in 2020/21 and 2021/22 to the day-to-day costs of the railway, ensuring stability for staff and avoiding job losses during the pandemic. Even before the pandemic, the government was contributing over £4 billion per annum for day-to-day operations. It is important now to put rail finances on a sustainable footing in a way that is fair to passengers and taxpayers in the challenging economic climate we currently face.

Department for Transport

This is a revised response. The Petitions Committee requested a response which more directly addressed the request of the petition. You can find the original response towards the bottom of the petition page https://petition.parliament.uk/petitions/635105

Related activity

The Petitions Committee (the group of MPs who oversee the petitions system) have considered the Government’s response to this petition. They felt that the response did not directly address the request of petition and have therefore written back to the Government to ask them to provide a revised response.

When the Committee have received a revised response from the Government, this will be published on the website and you will receive an email. If you would not like to receive further updates about this petition, you can unsubscribe below.

• The English National Concessionary Travel Scheme (ENCTS) provides free off-peak bus travel to those with eligible disabilities and those of state pension age, currently sixty-six, within England.

• Local concessionary travel costs around £1 billion annually and any changes to the minimum statutory scheme, such as free travel on rail, would therefore need to be carefully considered for their impact on the scheme’s financial sustainability.

• Local authorities in England have the power to go beyond their statutory obligations, such as offering free travel on rail as part of the ENCTS pass.

• Our most recent set of statistics shows that operators in 11 out of 84 travel concession authority areas in England offered some form of discounted rail travel for the older person's concessionary pass.

• The scope of any additional discretionary concessions provided and supported by a local authority is available to journeys originating or ending in the authority’s local area or in the vicinity of the authority's area, unless specific arrangements between neighbouring local authorities have been agreed.

• Any additional discretionary concessions provided to ENCTS pass holders by the local authority is funded from local resources such as Business Rates and residents’ Council Tax and not Central Government.

• To help make train journeys more affordable, individuals aged 60 and over are eligible for the Senior Railcard which offers a third off rail travel. The Senior Railcard costs £30.00 for one year or £70.00 for three years.

• UK taxpayers contributed £31 billion in 2020/21 and 2021/22 to the day-to-day costs of the railway, ensuring stability for staff and avoiding job losses during the pandemic. Even before the pandemic, the government was contributing over £4 billion per annum for day-to-day operations. It is important now to put rail finances on a sustainable footing in a way that is fair to passengers and taxpayers in the challenging economic climate we currently face.

Department for Transport.

This response was given on j23 August 2023. The Petitions Committee then requested a revised response, that more directly addressed the request of the petition.

• Date closed 22 September 2023

The data shows the number of people who have signed the petition by country as well as in the constituency of each Member of Parliament. This data is available for all petitions on the site. It is not a list of people who have signed the petition. The only name that is shared on the site is that of the petition creator.

New calls for free country-wide train travel for older people nears official response threshold

People of State Pension age in Scotland, England and Wales can already travel for free on buses.

• 04:30, 10 AUG 2023
• Updated 06:23, 11 AUG 2023

An online petition calling on the UK Government to extend the concessionary travel scheme for people of State Pension age to include free country-wide train travel alongside the current offering of free bus journeys, is nearing the official response signature threshold. Petition creator, Ronald John Bradbur, proposes that providing more access to free travel would “greatly enhance” the mental wellbeing of pensioners by “making it easier for them to get out of the house and travel to meet others and visit other places”.

More than 7,480 people have signed the petition, hosted on the official petitions-parliament website. The ‘Extend the older person's bus pass to cover free train travel’ will trigger an official response from the UK Government if it reaches 10,000 signatures before September 22, 2023. At 100,000 signatures, it would be considered for debate by MPs in Parliament.

The petition states: “We want the [UK] Government to extend the older person's bus pass so that once you reach the State Pension age you are entitled to free bus and train travel across the whole country.”

It continues: “Pensioners can become isolated and stuck at home after retirement, with many not being able to afford the high cost of train travel. A change to extend the older person's pass for bus travel to cover train travel would allow for easier travel across the country, enabling long day trips and other travel, which we believe would greatly enhance their mental wellbeing, by making it easier for them to get out of the house and travel to meet others and visit other places.”

The petition can be viewed online here.

Top Money Stories Today

The National Entitlement Card (NEC) is Scotland’s National Smartcard, offering access to many public services across the country. The card gives elderly and disabled people free bus travel across Scotland and, through the Strathclyde Concessionary Travel Scheme, also provides reductions on train, Subway and ferry fares.

The NEC card is valid for up to three years, but in a change to the renewal process, SPT no longer sends out renewal forms to disabled card holders. This means everyone with a card - sometimes referred to as a ‘Saltire card’ - should check the expiry date to make sure they will be able to enjoy uninterrupted entitlement to travel concessions.

SPT recommends applying for a renewal card at least five weeks before the expiry date. It’s also important to be aware that guidance on the SPT website states that the Concessionary Travel Card Unit at Buchanan Bus Station will be closed for in person applications until further notice.

Latest State Pension News

SPT guidance adds: “Please provide an acceptable proof of eligibility document at least five weeks before the card expires to allow for processing and a new card to be issued. SPT cannot be held liable for gaps in entitlement.”

SPT supports the administration of the elderly (60+) and disabled concessionary travel schemes only. If you have a Young Persons' (Under 22) Free Bus Travel card, visit freebus.scot for more information.

To find out about the older person's bus pass in England or Wales, visit the GOV.UK website here.

To keep up to date with the outcome of this petition, join our Money Saving Scotland Facebook page here , follow us on Twitter @Record_Money , or subscribe to our newsletter which goes out Monday to Friday - sign up here .

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Get an older person's travel pass

You can get a pass for free bus travel anywhere in England when you reach the female State Pension age. It does not matter if you’re a man or a woman.

The pass lets you travel for free during off-peak times:

• between 9.30am and 11pm, Monday to Friday
• all day at weekends and on public holidays

If you live in the West Midlands, you can use your pass on the buses from 9.30am until 11.59pm. You can also get free travel on:

• trains in the Blue Zone from 9.30am to 11.59pm
• trams from 9.30am until the last service of the day

If you want to travel before 9.30am, you can get a £1.50 single fare on National Express West Midlands buses. Show your travel pass to the driver and ask for a £1.50 single ticket.

If you often travel before 9.30am, you can get a pre-9.30 add-on ticket. Use our ticket finder to find pre-9.30 add-on tickets .

You can also use your travel pass as a pay as you go card. This means you can use it to pay for:

• travel before 9.30 am

To use your travel pass as a pay-as-you-go card, you need to either:

• register your card online

Check if you're eligible

You can find out if you've reached the age for free bus travel on the GOV.UK website.

You can get a West Midlands older person's travel pass if you live in the West Midlands. You must live at a property where council tax is paid to one of these councils:

• Wolverhampton

If you do not live in the West Midlands, contact your local authority to apply.

Apply for an older person's pass

You can either:

• apply online
• download an application form to print out and send in the post

If you apply through the post, send your application to the address on the form.

Renew your travel pass

We'll write to you 4 to 6 weeks before your pass expires and tell you how to renew it.

If you’ve lost your letter, you can still renew your travel pass online .

You should get your new pass 2 weeks before your current one expires. Contact Customer Services if you have not got it by then.

Customer Services - Ticketing

Telephone: 0345 303 6760

Mondays, Tuesdays, Thursdays and Fridays, 8am to 6pm Wednesdays, 10am to 6pm Saturdays, 9am to 1pm Closed Sundays and Bank Holidays

Update the details on your travel pass

You can update your personal details online if your name or address has changed.

You can update your photo by email or by post. Send your new photo to Ticketing Services.

You'll need to send us:

• a new, passport-style colour photo
• your full name and address
• the 16-digit number on the front of your travel pass

Customer Services - Ticketing Transport for West Midlands 16 Summer Lane Birmingham B19 3SD

Submit an enquiry

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Money latest: State pensions 'could be in doubt for future generations'

A pensions expert has told Money that if he was 20 today, he would be "sceptical" about the promise of a state pension. Read this and all the latest consumer and personal finance news below, plus leave a comment in the box.

Tuesday 30 April 2024 06:52, UK

• State pensions could be in doubt for future generations, expert warns
• Higher food prices and shortages warning - as new Brexit checks begin
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• Tesco offering up to £50 in points through 'Clubcard Challenges' campaign

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• Swap rates are the reason mortgage rates are rising - what are they?
• Gameboys, Sindy dolls, designer shoes, 1950s furniture: The items in your attic that could be worth a small fortune
• Money Problem : 'A company isn't abiding by written warranty for dodgy building work - what can I do?'  
• '£2,000 landed in my account' - The people who say they're manifesting riches
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Ask a question or make a comment

By Jess Sharp , Money team

We first came across Tom McPhail when he posted this on X... 

The pensions expert appeared to be suggesting state pensions were at risk of disappearing.  

After speaking to him on the phone, he confirmed that was exactly his concern, warning something needed to be done sooner rather than later to avoid a "catastrophic" situation.  

He described state pensions as a social contract – each generation pays taxes and national insurance, which funds the pensions of today's older people, and they hope the following generation will do the same for them.

But with population growth slowing, there's a worry there may simply not be enough people to keep the system afloat in the future.  

"There's a significant demographic shift going on in the UK. It started before the Second World War, cohorts of people born in the 1930s have been experiencing significantly longer lives than was the case prior to that, so people now in their 80s are living quite a lot longer," he said. 

"But at the same time, we've got fewer children coming through. And so this exacerbates the shift in the age of the population."

He said if he was 20 today, he would be "sceptical" about the promise of a state pension because he isn't sure how it's going to be paid for.  

At the moment, the state pension system costs around £120bn a year and more than half of retired people rely on it to make up at least 50% of their income, he added.  

Over the next 50 years, Tom predicts the proportion of GDP the state spends on older people will increase from around 16% to 25%.  

"I hesitate to use the word unsustainable, but it will certainly start to look challenging," he said.  

"If we suddenly switched off the state pension or significantly reduced it, people would be in trouble, so the government can’t do that. 

"You can't keep on progressively ratcheting up a more and more generous state pension. The costs of state pensions is going to become increasingly difficult for the younger cohorts to bear."

He pointed to a few ways to potentially salvage the state pension – policy change, more babies being born or people working until they are in their 70s.  

"Politicians are going to have to make decisions about how to get out of this kind of political bind," Tom added. 

"Time and time again it's just kick the can down the road on the pension question, just put a sticking plaster on it and let the next government deal with the problem. 

"You can't keep doing that. So I would really like to see, on the other side of this forthcoming general election... whoever's in power, in collaboration with whoever's in opposition, to just really open it up to some honest conversations about where the demographics are going to take us." 

He does note there is one piece of good news: "This happens quite slowly, so we do have time on our side." 

Basically, swap rates dictate the pricing of fixed-rate mortgages.

Lenders, such as banks and building societies, borrow in order to lend.

They borrow from financial markets and often these transactions are made using Sterling Overnight Index Average (SONIA) swap rates, which can move around.

By contrast, most domestic mortgages are set on what is known as a "term" rate – in other words, the borrower knows how much interest they will be paying for a set period of time.

To avoid a situation where the SONIA rate goes above the rate it is charging borrowers, which would leave the bank or building society lending at a loss, the lender will seek to enter a "swap" arrangement which protects them from such a situation.

Under such agreements, two parties exchange cash flows with each other. The lending bank will swap the variable payments it may make to service a mortgage (which is fixed to the SONIA rate) for payments at a fixed rate. This insulates the lending bank from unexpected increases in the SONIA rate.

Once a deal is struck based on the swap rate, mortgage providers set their fixed deals for customers, with their own profit margin priced in.

How are swap rates decided?

Swap rates are based on what the markets think will happen to interest rates in the future.

When they go up, so do the rates being offered on the high street, as we have seen in the last week or two amid uncertainty over whether forecasts for a summer base rate cut are accurate.

Read other entries in our Basically... series:

Train drivers will stage a fresh wave of strikes and overtime bans in May, causing disruption to the rail network.

The strikes are part of a long-running dispute over pay.

Members of Aslef union at 16 rail companies will walk out on different days from 7 to 9 May. Additionally, all members will refuse to work any overtime from 6 May to 11 May.

Here is a full list of the services affected by strikes and when.

Rail strike dates

Tuesday 7 May

Strikes will affect c2c, Greater Anglia, GTR Great Northern Thameslink, Southeastern, Southern, Gatwick Express and South Western Railway.

Wednesday 8 May

Strikes will affect Avanti West Coast, Chiltern Railways, CrossCountry, East Midlands Railway, Great Western Railway and West Midlands Trains.

Thursday 9 May

Strikes will affect LNER, Northern Trains and TransPennine Express.

Overtime ban dates

From Monday 6 May to Saturday 11 May union members will not work overtime.

Overtime bans, an action short of a strike, means some services may not be running or may be reduced as drivers refuse to work their rest days.

People are advised to check before they travel, as some areas may have no service.

How do strikes and overtime bans affect services?

Strikes tend to mean services on lines where members are participating are extremely affected or cancelled entirely, whereas overtime bans often lead to reduced services.

How can I stay in the loop?

You can use the National Rail's  journey planner  to see when trains are running.

Be sure to check it close to when you plan to travel, as it will be updated regularly.

Why are the strikes still happening?

Aslef rejected a two-year offer of 4% in 2022 and another 4% this year, saying this was way below inflation, and was linked to changes in terms and conditions.

Aslef says train drivers have not had an increase in salary for five years, since their last pay deals expired in 2019.

Royal Mail is temporarily waiving a £5 charge for unsuspecting members of the public who receive post sent with a fake stamp.

The company said it was developing a new scanner in its app which will let customers scan stamp barcodes and check whether they are recognised counterfeits.

While this takes place, the £5 charge for people who receive the post will be paused, Royal Mail said.

It added that it would work to ensure the sender of items posted with counterfeit stamps are charged instead of the recipient where possible.

Royal Mail chief commercial officer Nick Landon said new security measures alongside its barcoded stamps have "led to a 90% reduction" in counterfeits.

"We want our customers to buy stamps with confidence and always recommend that customers only purchase stamps from post offices and other reputable high street retailers," he said.

Tesco Clubcard users have the chance to secure up to £50 in points over the next six weeks as part of its new "Clubcard Challenge" initiative.

Three million Clubcard holders will be invited to take part in the campaign. If they accept, they'll receive 20 challenges that Tesco says will be "personalised just for them" - of which they can choose up to 10 to complete.

The supermarket giant said it was working with AI company EagleAI to offer the "hyper-personalised" promotion.

Challenges will involve spending a certain amount on a range, such as its BBQ food offering, or type of product, such as plant-based food. Customers who complete the "challenges" will be handed extra Clubcard points.

Lizzie Reynolds, group membership and loyalty director at Tesco, said the company was "very excited" to see how its customers responded.

Let us know what you think of this in the comments box above.

Strikes at Heathrow Airport are taking place over the next few weeks, with the first one already under way.

Staff at the UK's biggest airport are set to walk out during the early bank holiday in May, with their union warning planes could be "delayed, disrupted and grounded".

Click here to find out when all the strikes are, what disruption is expected and which airlines are affected...

The average price paid for comprehensive motor insurance rose 1% in the first quarter of the year, according to industry data indicating an easing in the steep rises seen last year.

The latest tracker issued by the Association of British Insurers (ABI) showed a 1% increase on the previous three months to £635.

That was despite the average claim paid rising 8% to reach a record of £4,800, the body said.

The ABI said the disparity showed that its members were "absorbing" additional costs and not passing them on.

Nevertheless, the average policy was still 33%, or £157, higher between January and March compared to the same period last year.

Read the full story here ...

Getir , the grocery delivery app, has abandoned a European expansion that is set to result in the loss of around 1,500 jobs in the UK.

Sky News had previously revealed that the Turkey-based company, which means "to bring" in Turkish, had  successfully raised money from investors to fund its withdrawals  from the UK, Germany and the Netherlands.

It had already departed other countries including Italy and Spain.

The exits were prompted by growing losses linked to the company's rapid expansion.

Waitrose is launching an exclusive range of products with popular chef Yotam Ottolenghi today. 

The Israeli-British chef is famous for his Middle Eastern and Mediterranean-inspired food, and has worked with the supermarket to release products including a pasta sauce, spice blend and shawarma marinade. 

It is the first time Ottolenghi has partnered with a supermarket in such a way. 

The full range will be available in Waitrose shops, Waitrose.com and Ottolenghi.co.uk from today, while a selection of products will be available from the supermarket on Deliveroo and Uber Eats. 

An introductory 20% off offer is being launched until 18 June. 

The range includes: 

• Ottolenghi Miso Pesto 165g (£4)
• Ottolenghi Kalamata Olive & Harissa Sauce  350g (£4.50)
• Ottolenghi Pomegranate, Rose & Preserved Lemon Harissa 170g (£5)
• Ottolenghi Green Harissa 170g (£5)
• Ottolenghi Aleppo & Other Chillies Blend (£3.95)
• Ottolenghi Sweet & Smokey Blend (£3.95)
• Ottolenghi Citrus & Spice Blend (£3.95)
• Ottolenghi Red Chilli Sauce (£4.50)
• Ottolenghi Shawarma Marinade (£4)

Ottolenghi said he had "always been super eager to get our flavours onto people's dinner plates nationwide, not just in London, without having to cook it from scratch every single time". 

He added: "I hate to admit it but the pasta sauce already features heavily in my home kitchen, when no one is looking."

The cost of bread, biscuits and beer could increase this year due to the impact of the unusually wet autumn and winter on UK harvests.

Research suggests that production of wheat, oats, barley and oilseed rape could drop by four million tonnes (17.5%) compared with 2023.

The wet weather has resulted in lower levels of planting, while flooding and storms over winter caused farmers more losses.

The predictions come just as the rate of price increases on many food items begins to slow as inflation falls.

The Energy and Climate Intelligence Unit (ECIU) analysed forecasts from the Agriculture and Horticulture Development Board (AHBD) and government yield data.

It found a "real risk" of beer, biscuits and bread becoming more expensive if the poor harvest increases costs for producers, according to its lead analyst Tom Lancaster.

Beer prices could be affected because the wet weather is still disrupting the planting of spring crops such as barley, the ECIU said.

And potatoes might also see a price hike in the coming months, with growers warning of a major shortage in the autumn due to persistent wet weather.

By Emily Mee , Money team

When I think about the toys of my childhood - my pink Barbie car, my Gameboy Micro, my collection of Pokemon cards - I can't tell you where they went. 

Maybe they were shipped off to a charity shop at some point... Or perhaps they're in the attic? 

While my hot pink Gameboy Micro is lost to the void of time (or a cardboard box somewhere in my mum's house), other versions of it are selling on eBay for £100 or more. 

And there are Pokemon cards selling for anything from a tenner to hundreds or even thousands of pounds. 

It's possible you also have items at home that are a collector's dream. 

Gumtree says its collectables category is already proving to be a "hotbed of activity" this year, with listings up 22% in 2024 so far. 

Its most popular items include rare stamps, coins, war memorabilia and Pokemon cards. 

Spring is often the most popular time for buying and selling collectibles, with demand spiking in March and April. 

We've enlisted the help of TV presenter and collectables expert Tracy Martin to give an idea of what could make you an easy buck. 

Old toys making a 'retro comeback'

Tracy explains that while trends change, vintage toys tend to stand the test of time. 

"Toys are always going to be popular because they tap into nostalgia, our childhood memories," she says, explaining that adults like to buy the toys they used to have. 

Perhaps you were into cars, and you've got some old diecast vehicles from Matchbox, Corgi or Dinky Toys. 

A quick look on toy auction site Vectis.co.uk shows a Corgi Toys "James Bond" Aston Martin estimated to sell for between £600 to £700 - while others are likely to fetch £50 to £60. 

Sindy dolls are also particularly sought after - particularly those from the 1960s - and Barbie dolls from the 1990s too. 

Pokemon cards have seen a "massive surge", Tracy says, with people paying "thousands and thousands of pounds" for good unopened sets. 

She's even seen examples of people paying £16,000 upwards. 

Another up-and-coming market is games consoles, such as Gameboys, vintage consoles and PlayStations, which are making a "retro comeback".

What else could earn you some cash?

Tracy says there's currently a surge in people wanting to buy "mid century" furniture, which is dated to roughly 1945 to 1965 and typically uses clean lines and has a timeless feel. 

Vintage Danish furniture is sought after, particularly tables and chairs with good designer names such as Wegner, Verner Panton and Arne Jacobsen.

Prices range from the low hundreds into the thousands.

People will also look out for vintage framed prints by artists such as Tretchikoff, J.H. Lynch and Shabner - these can range in price from £50 upwards to a few hundred pounds plus. 

Vintage clothes, handbags and shoes can fetch a good price - but you can also invest in modern pieces. 

Tracy suggests looking out for good classic designs with high-end designer names such as Gucci, Chanel, Dior and Louis Vuitton. 

Modern designers such as Irregular Choice, Vendula and Lulu Guinness are also collected. 

Collaborations with designers and celebrities can do well as they're often limited edition. 

For example, Tracy says the H&M x Paco Rabanne maxi silver sequin dress retailed at £279.99 last year but now sells for in excess of £600. 

When it comes to shoes, "the quirkier the design the better" - so look out for brands such as Irregular Choice and Joe Browns. 

Converse and Dr Martens collaborations also do well, depending on the design and condition, as well as Adidas and Nike limited edition trainers. 

What's the best way to sell?  

Tracy recommends to always research before selling your items, as they might perform better on different platforms and you can also get an idea of how much they sell for. 

For example, Vinted can be a good place to sell clothes and shoes, while other items might be better suited for sale on Gumtree, eBay or Etsy. 

Tracy's favourite way to sell is through auction - especially if there are specialist sales. 

Vectis is one of the biggest and most popular for toy selling. 

Interests in different periods and items can go up and down, but for the time being vintage pieces from the 1980s and 90s are popular. 

How much you'll be able to get from an item often takes into account its rarity, condition, whether it reflects a period in time, and if it's got a good name behind it. 

You never know - you might be sitting on a treasure trove. 

Annual mortgage repayments have increased by up to 70% since 2021, according to new data from Zoopla .

The biggest impact of rising interest rates has been in southern England where house prices are higher.

Across the South West, South East and East of England, the annual mortgage cost for an average home is £5,000 higher than previously. This rises to £7,500 in London.

But the universal uptick in mortgage costs has been less pronounced in other parts of the UK, with the North East seeing a £2,350 increase.

In a bid to tackle inflation, the Bank of England has raised the base rate from 0.1% in December 2021 to a 16-year high of 5.25% now.

The Zoopla research looked at the average home buyer taking out a 70% loan-to-value mortgage.

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British railways under Tories are symbol of national decline, says Labour

Party plans to nationalise network and ‘unlock the trapped potential’ of rail to drive economic growth across the country

Britain’s railways have become a “symbol of national decline” under the Conservatives, the shadow transport secretary has said, announcing Labour’s plans to nationalise the rail network within five years in government.

In a speech at Trainline headquarters on Thursday, Louise Haigh said “today’s broken model simply doesn’t work”, with train cancellations at a record high and fares having risen almost twice as fast as wages since 2010.

Jody Ford, the chief executive of the travel company, echoed Haigh’s words, saying rail had “significant power and potential” to drive economic growth into all parts of the country’s communities.

Haigh said: “Our railways are critical to making our country a better, wealthier and happier place. We can only achieve our five national missions if we unlock the trapped potential of our railways to boost growth, and opportunity and to connect all of us with each other, with work and with pleasure.”

Haigh said a Labour government would establish Great British Railways, which she described as a “single directing mind to control our railways in the passenger interest”. She joked she was not allowed to call the nationalised railway “Rail Britannia” and would not rule out an endorsement of her plan from the Conservative former transport secretary Grant Shapps.

Asked why Labour could not guarantee cheaper and more affordable train tickets under their plans, Haigh said it was Labour’s “ambition” to make fares cheaper but “simplification is our first priority” via the party’s best fare guarantee scheme.

Keir Starmer vowed to bring an end to the “Tory boom and bust” cycle for the rail industry, after visiting Hitachi’s rail manufacturing plant in Newton Aycliffe, County Durham, where 700 jobs are at risk, and a further 1,400 jobs at risk across its supply chain.

The rail minister, Huw Merriman, has been accused of dismissing the job losses as “natural peaks and troughs”. Starmer said: “The workforce here at Hitachi is staring down the barrel of job losses. This was not inevitable.”

“After 14 years of chaos and uncertainty, [this Tory government] has left our rail manufacturing sector teetering on the brink,” he added.

Haigh accepted that the plan would take time, as the final private operator contract with a core term was not due to expire until 2029. “We’d expect all contracts to be brought under Great British Railways by that time,” she told BBC Radio 4’s Today programme. “It will take time; there’s no overnight fixes to a very complex system. We’re not starry eyed about this.”

But a Labour government would immediately be able to create a “shadow Great British Railways [organisation] to fire the starting gun on reform” and ensure the party did not lose time or momentum. It would bring together key players including Network Rail and the Rail Delivery Group, before primary legislation was passed to formally establish GBR as an arm’s length body.

“The Conservative party has achieved the worst of all worlds for our railways, partially privatised, overly centralised, expensive, but unreliable, confusing and shamefully unaccountable,” Haigh said.

She quoted Shapps, who once said: “Unlike most privatisations, that of the railways has never become publicly accepted, because its failings have remained all too obvious … The fragmentation of the network has made it more confusing for passengers, and more difficult and expensive to perform the essentially collaborative task of running trains on time.”

Haigh also vowed to see the “workforce as an asset rather than a liability” but she refused to commit to a pay increase because she had “not seen the books” and “wouldn’t do that in an unfunded way”. But she vowed to meet the unions on day one in order to solve the strikes that she said were costing £25m a day.

• Rail industry
• Rail transport
• Rail strikes
• Transport policy

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