An annual travel pass is a necessity for many commuters and students, but it’s also a worthwhile purchase for those who regularly holiday in the UK. They’re a simple and budget friendly way of getting from A to B if you can afford the upfront cost.

Annual rail passes

If you make the same journey more than three or four times per week, you may find that, on the majority of routes, an annual pass will be more convenient than purchasing daily tickets. Annual rail passes are available for most short and medium distance journeys, however not all companies allow passes for long distance travel, so always double-check.


Annual bus passes

If you travel regularly by road rather than rail, consider an annual bus pass. For those who are travelling to a city or town centre location, this could also be a more productive alternative to driving and paying car parking fees: you can skip the queue by using the dedicated bus lanes and plan for the day ahead while someone else does the driving.

annual travel pass quote 

Discounts for annual travel pass holders

Annual travel pass holders are often eligible for discounts, especially if you’re student or OAP (proof of age required). And some travel providers even offer additional occupational discounts, for example if you work in the NHS.


OAPs: If you live in England, you can obtain a bus pass for free travel  when you reach the female state pension age, whether you’re a man or a woman. If you live in Wales, you receive your free bus pass at age 60; residents of London can travel free on buses, tubes and other transport at age 60 (valid only for travel within London).


Off-peak travel: Depending on what time of day you travel, you could also be entitled to a reduced fee if you travel off-peak, for example if you travel as an ‘Early Bird’ passenger – this involves arriving at your destination before 07:30 and returning between 10:00 and 16:00, or after 18:30.

Note: Off-peak times may vary between travel providers and across different locations.


Annual travel passes for UK holiday-makers

An annual travel pass is ideal for commuters and students, but UK holiday-makers who take regular bus or rail travel to the same destination could also benefit. Use a season ticket calculator  to work out exactly how much you could save.


If you also visit a specific venue regularly, then check to see if annual passes are available for unlimited visits. Some travel companies offer discounts for tourist destinations so always do your research.


Whatever your situation – whether you need to buy an annual travel pass for your daily commute, or you’re a student who requires daily travel to college or university – you may be able to save money on your regular travel with an annual pass.


Representative example: £400 loan repayable over 26 weeks. 26 weekly payments of £29.46.  Rate of interest 183% p.a. fixed. Representative 1,575% APR. Total amount payable is £765.96.