Separate research last week from Santander suggested that commuters now spend up to £1,000 a year on petrol or diesel just to get to and from work. Money-saving tip: If you spend a lot of money on transport, you may benefit from cards that give you cashback on your spending. The Santander 123 card gives 3pc cashback on sales at all major petrol stations as well as on London Underground and National Rail. This applies on expenditure of up to £300 a month, so won't cover an annual season ticket, but if you are using a pay-as-you-go Oyster card, for example, you will benefit. The card has a fee of £24 a year, but if you have a 123 current account it is free for the first year.