Friday, 9 October 2026

The High Street Wants Your Old Stuff Back: Where You Can Sell Furniture, Clothes and Tech

For years, if you wanted to get rid of an old bookcase, phone, pair of trainers or games console, your choices were fairly predictable. You could stick it on eBay, brave the messages on Facebook Marketplace, take it to a charity shop or, if it really had reached the end of its useful life, find a way to recycle it.

But something interesting is happening on the British high street. The shops that sold us all this stuff in the first place increasingly want it back.

IKEA has now launched its own second-hand marketplace in the UK, allowing customers to buy and sell pre-owned IKEA furniture and homewares directly to one another. Meanwhile, Argos is building a much broader online marketplace of its own and already operates a trade-in scheme which can pay customers for unwanted technology.

They are far from alone. John Lewis, Currys, Apple, Decathlon, Schuh and CeX are among the familiar names offering ways to trade in, recycle, reuse or buy pre-owned goods.

And that raises two important questions for MoneyMagpie readers: could the growing second-hand high street help you make money from things you already own, and could buying somebody else’s unwanted stuff save you a significant amount too?

Before you throw it away…

An unwanted phone, table, games console, bike or pair of shoes may still have a value. Before putting anything in the bin or taking it to the tip, check whether you can sell it, trade it in, donate it or recycle it.

We have plenty more ideas in our make money guides, including ways to turn things you already own into extra cash.

IKEA has launched a second-hand marketplace in the UK

This is perhaps the most interesting development because IKEA isn’t simply taking old furniture back and reselling it itself.

Its new UK second-hand marketplace allows IKEA Family members to sell genuine pre-owned IKEA products directly to other customers.

Creating a listing should also be considerably easier than starting completely from scratch on a conventional marketplace. IKEA can identify eligible products and provide information including recommended pricing, product photographs, measurements, descriptions, assembly instructions and care information.

That could be particularly useful if you’ve ever tried to remember the name of an IKEA bookcase you bought eight years ago.

There are restrictions. The marketplace is for genuine IKEA products and excludes certain categories including appliances, mattresses and food. Products must also be safe and usable.

Sellers can set their own price, although IKEA provides a suggested figure, and the maximum listing price is £1,995. Buyers pay through the marketplace, with the money held by a payment provider during the transaction.

Perhaps most importantly for anyone decluttering, this isn’t simply a voucher-for-your-old-furniture scheme. It means you are selling your IKEA item to another customer.

Check IKEA’s latest second-hand and Buyback information.

Could you save money buying second-hand IKEA?

Potentially. Furniture is one of the areas where buying used can produce substantial savings, particularly if you can collect it yourself. However, always compare the second-hand asking price with IKEA’s current new price before assuming you’ve found a bargain.

Remember to include transport costs too. Saving £40 on a wardrobe doesn’t look quite as impressive if you then spend £35 hiring a van to collect it.

You could already sell furniture back to IKEA

The new marketplace sits alongside IKEA’s existing Buyback & Resell scheme, and it’s worth understanding the difference.

With Buyback, IKEA itself assesses eligible used IKEA furniture and gives you a refund card rather than you having to wait for another person to buy it.

Eligible products can include bookcases, shelving, cabinets, dining tables, desks, chairs, stools, chests of drawers, some children’s products, mirrors, shoe storage, plant pots and certain lighting, although you should always check the latest eligibility before making a journey.

Items generally need to be complete, clean, properly assembled, unmodified and in a condition suitable for resale.

The obvious downside is that you’re receiving IKEA credit rather than unrestricted cash, so somebody who simply wants to clear their house and put money into their bank account may prefer the customer-to-customer marketplace.

On the other hand, if you were planning to replace that old IKEA desk with another IKEA desk anyway, Buyback could be considerably less hassle than photographing it, listing it and arranging for somebody to collect it.

MoneyMagpie tip: don’t confuse convenience with getting the best price

Retailer trade-in schemes can be wonderfully easy, but convenience can come at a price. Before accepting an offer, spend five minutes checking what similar items are selling for elsewhere.

If you’re having a proper clear-out, take a look at our latest ways to make money before giving valuable belongings away.

What about the new Argos marketplace?

There is an important distinction here.

Argos has announced that it is developing an online marketplace, but this is not currently a second-hand marketplace for ordinary customers to list unwanted possessions.

Instead, selected third-party marketplace sellers will be able to offer products through the Argos website and app, increasing the range available to shoppers.

So, if you’re wondering whether you’ll be able to put your old toaster on Argos in the same way you might put it on eBay, that’s not what has been announced.

What is interesting is that Argos already operates a separate Trade-In service for technology.

Yes, you can sell old technology to Argos

Argos Trade-In accepts a range of unwanted technology, including mobile phones, tablets, smartwatches, games consoles, headphones and Mac computers.

You get a quote, send the device using the service provided and, following inspection, can receive payment depending on the options currently available through the service.

That makes Argos worth checking before automatically putting an old phone on an online marketplace.

It doesn’t necessarily mean Argos will offer the highest possible price. Whenever you sell an old phone, laptop or games console, compare the trade-in quotation against what similar devices are actually selling for elsewhere.

A trade-in service is partly selling you convenience. You may receive less than you could achieve by finding a private buyer yourself, but you don’t have to create listings, answer messages, negotiate with strangers or worry about somebody failing to turn up.

Check the latest Argos Trade-In information.

Old tech could be worth more than you think

Don’t assume an old phone, tablet, console or laptop is worthless. Get several trade-in quotations and compare them with realistic private-sale prices first.

You can find more ideas for generating extra cash in the MoneyMagpie Make Money section.

Currys will also take old tech

Currys operates technology trade-in and recycling services covering old devices and electrical products.

The retailer’s recycling schemes are particularly useful when an electrical item has reached the point where it no longer has a meaningful resale value.

An ageing phone sitting untouched in a kitchen drawer isn’t earning you anything and its components aren’t being reused either.

Before trading anything in, however, compare the valuation. The easiest option isn’t automatically the most profitable one.

See the latest Currys trade-in information.

John Lewis has buyback and recycling schemes too

John Lewis has also operated schemes designed to keep products in circulation for longer, including technology trade-in and fashion initiatives.

As with all retailer schemes, availability, eligible products and rewards can change, so check the latest terms rather than assuming something you bought several years ago will automatically qualify.

Check John Lewis’s current technology trade-in options.

Decathlon could buy your old sports equipment

There is another cupboard worth investigating before a clear-out: the one containing all those abandoned sporting ambitions.

Decathlon operates a Buy Back service covering a range of sports equipment, allowing customers to obtain an estimate for eligible items before taking them into a participating store.

This could be particularly useful for expensive equipment that children have grown out of, bikes that are no longer used or sporting equipment bought enthusiastically in January which hasn’t seen daylight since February.

See what Decathlon currently accepts through Buy Back.

Apple will give you credit for old devices

Apple Trade In allows customers to exchange eligible devices for credit towards another purchase or an Apple Gift Card.

Devices with no trade-in value may still be eligible for recycling.

Again, don’t assume a manufacturer’s trade-in valuation is automatically the best price available. Check it against other trade-in companies and realistic second-hand selling prices.

But for somebody already intending to buy another Apple device, it can provide a relatively simple way of reducing the cost.

Check your device with Apple Trade In.

CeX remains one of the simplest places to sell unwanted tech

CeX has effectively been doing the circular economy on the high street since long before the phrase became fashionable.

It buys a broad range of products including phones, computers, digital electronics, games, consoles and Blu-rays before selling second-hand products back to customers.

For anyone doing a serious declutter, it is worth checking the value of old games and technology before assuming they’re worthless.

Check CeX buying and selling prices.

Schuh could give you money off for old shoes

Your old shoes could have some value too, although not necessarily as cash.

Schuh operates its Sell Your Soles recycling initiative, allowing customers to take unwanted footwear into participating stores in return for a reward towards another purchase, subject to the latest terms.

It’s a useful example of why we need to stop thinking about unwanted possessions as simply either “sellable” or “rubbish”. There is an increasingly large middle ground.

Check Schuh’s latest recycling information.

Where can I sell my old stuff?

IKEA: Eligible IKEA furniture and homeware – customer-to-customer resale or Buyback credit.

Argos: Selected technology – trade-in options.

Currys: Technology and electricals – trade-in or recycling depending on the product.

John Lewis: Selected technology and other eligible products – trade-in, reuse or recycling depending on the scheme.

Decathlon: Selected sports equipment – Buy Back.

Apple: Eligible technology – credit, Gift Card or recycling.

CeX: Phones, games, consoles, computers and electronics – sell or exchange.

Schuh: Old footwear – recycling reward subject to current terms.

Retailer schemes and eligibility change regularly, so always check the retailer’s current terms before travelling to a store or posting an item.

Why retailers suddenly want our old stuff

Retailers aren’t becoming interested in your old bookcase, trainers and iPhone purely out of generosity. There is clearly money in resale.

But there is also an important environmental argument.

Every product that can safely remain in use for longer potentially delays the point at which another product needs to replace it, while reuse can prevent perfectly serviceable possessions entering the waste stream unnecessarily.

Recycling is important, but reuse should often come before recycling.

If somebody else can use your desk for another five years, there is little sense in breaking it down into materials today simply because you no longer want it.

The same principle applies to electronics. A working phone may be worth refurbishing and reselling; a broken device might provide usable components; and something genuinely at the end of its life can finally be recycled so useful materials can potentially be recovered.

Sell it, donate it or recycle it?

1. Sell it: Could somebody else use it and pay you for it?

2. Trade it in: Does a retailer offer cash, credit or a voucher?

3. Donate it: Could a charity shop or reuse organisation make use of it?

4. Recycle it: If it genuinely can’t be reused, find the correct recycling route.

For more ways to squeeze value from things you already own, visit our Make Money hub.

Can buying second-hand actually save you money?

Potentially, yes – but the word “second-hand” isn’t an automatic guarantee of a bargain.

The arrival of retailer-backed resale has some advantages. Product identification can be easier, condition grading may be clearer in some schemes and refurbished products sold commercially can sometimes come with protections that you wouldn’t necessarily get from a casual private sale.

But always compare the second-hand price with the current new price.

This becomes particularly important during sales. A second-hand item advertised at £80 because it originally cost £150 isn’t much of a bargain if the same product is currently available new for £90.

For furniture, factor in collection or delivery costs. With technology, check battery health, age, software support and warranty or returns arrangements rather than looking only at the headline price.

If rising household costs are prompting a wider rethink of your spending, our Save Money guides contain more ideas for cutting everyday costs without simply going without.

Should I trade something in or sell it myself?

This is where a little MoneyMagpie maths comes in.

Before handing anything over, get three figures if you can:

1. The retailer’s trade-in or buyback offer.

2. The realistic price you could get selling it yourself.

3. The price of the replacement item you actually intend to buy.

Don’t compare your trade-in quote with wildly optimistic marketplace listings that have been sitting unsold for six months. Look at what similar items genuinely appear to be selling for.

Then put a value on your own time.

If selling privately might earn you another £15 but requires photographs, a listing, six messages, two ridiculous offers and an afternoon waiting for somebody who may or may not appear at your front door, the instant trade-in starts looking more attractive.

If the difference is £150, doing the work yourself may suddenly feel worthwhile.

Before throwing something away, ask one question

“Is this actually worth something?”

A phone could be traded in. Furniture could be sold to another IKEA customer. A bike might qualify for a buyback scheme. Shoes could earn a recycling reward. Games and old technology could potentially be sold.

Only when an item can’t realistically be reused should recycling become the main option.

Second-hand shopping could become a normal part of the high street

The circular economy can sound like an enormous environmental concept, but for households it can be much simpler.

Before buying new, check whether somebody else has already bought the thing you need and no longer wants it.

And before throwing something away, check whether somebody is prepared to pay you for it.

You could end up with less clutter, more money in your pocket and fewer perfectly usable possessions going to waste.

More ways to make and save money

MoneyMagpie is packed with practical ways to make your household budget go further. Explore our Make Money ideas or head to our Save Money section for more ways to cut costs.

Find ways to make money

Find ways to save money

Frequently asked questions

Can I sell my old IKEA furniture back to IKEA?

There are now two routes worth checking. IKEA’s second-hand marketplace allows eligible IKEA Family members to sell qualifying IKEA products to other customers, while its Buyback service can offer IKEA credit for eligible furniture.

Can I sell second-hand items on Argos?

Argos’s announced marketplace is not a customer-to-customer second-hand marketplace. However, Argos does operate a separate technology trade-in service for selected devices.

Which high street shops buy old items?

Depending on the product, retailers and businesses including IKEA, Argos, Currys, Decathlon, Apple and CeX have trade-in, buyback or resale options. Other retailers offer recycling rewards rather than cash.

Is it cheaper to buy second-hand?

It can be considerably cheaper, but always compare the used price with the current new price and include delivery, collection and potential repair costs. For electronics, check the age, condition, battery health, software support and warranty too.

Should I sell or recycle unwanted items?

If an item is safe and usable, selling, trading in or donating it can keep the product in use for longer. If it has reached the end of its useful life, check the correct recycling route rather than putting electrical products or other recyclable materials into general waste.



The post The High Street Wants Your Old Stuff Back: Where You Can Sell Furniture, Clothes and Tech appeared first on MoneyMagpie.

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Friday, 2 October 2026

Pension Credit: You could qualify even with savings or your own home

Think your savings, private pension or the home you own mean you cannot claim Pension Credit? You could still qualify. Here is how to check, why a small award can matter and what the current rules mean for you.

Rules checked: . Rates apply to the 2026/27 financial year.

Pension Credit at a glance

  • Single: standard Guarantee Credit tops assessed weekly income up to £238.
  • Couple: the standard amount is £363.25 a week combined.
  • Savings: £10,000 or less does not affect your Pension Credit.
  • Homeowners: owning the home you live in does not automatically disqualify you.
  • Backdating: up to three months, if you were eligible during that period.

These are standard income levels, not payments added to your existing pension. Extra amounts and individual circumstances can change the calculation.

Check with the official Pension Credit calculator

When you have spent years paying off a mortgage or putting something aside for retirement, it is easy to assume financial help is meant for somebody else.

But having assets does not necessarily mean you have enough coming in to cover the weekly shop, heating and other essentials. Pension Credit can be available to people who own their home, have savings or receive a private pension.

Even a modest award deserves a closer look. Depending on the part you receive and your circumstances, it can also help you qualify for support with other costs.

What is Pension Credit?

Pension Credit is a benefit for people who have reached State Pension age and have a low income. It is separate from your State Pension.

Guarantee Credit tops up your assessed income. Savings Credit is an additional payment for some people who reached State Pension age before 6 April 2016. You may receive one part or both, depending on your circumstances.

It is different from National Insurance credits, which can help build your State Pension entitlement.

How much is Pension Credit in 2026/27?

The standard Guarantee Credit calculation tops assessed weekly income up to £238 for a single person or £363.25 for a couple. The couple figure is for both people together.

Example: what a top-up could look like

A single person with £210 a week in assessable income, no savings adjustment and no additional amounts would have a standard Guarantee Credit top-up of £28 a week.

That would be £1,456 over 52 weeks. This is an illustrative calculation, not a typical award or a promise of what you will receive.

Who is eligible for Pension Credit?

In England, Scotland and Wales, you must have reached State Pension age and meet the relevant residence requirements. Northern Ireland has a separate Pension Credit application route.

Use the official State Pension age checker rather than assuming everyone aged 66 qualifies.

If you live with a partner, their income and savings are included. Usually, both partners must have reached State Pension age. Exceptions can apply, including where one receives Housing Benefit for people over State Pension age. Seek advice if one of you is younger or you have an existing award.

Can you claim Pension Credit with savings, a pension or your own home?

Owning your home

Owning the home you live in does not automatically stop you qualifying. A second property or other assets may be treated differently, so declare everything requested on your application.

Having savings

Savings and investments of £10,000 or less do not affect Pension Credit. Above that, every £500, or part of £500, over £10,000 is treated as £1 of weekly income.

For example, £11,000 in savings produces an assumed income of £2 a week. This is a benefit calculation, rather than the interest your bank actually pays. More than £10,000 does not automatically exclude you.

Receiving a private pension

Private and workplace pensions normally count as income, alongside your State Pension. However, Attendance Allowance, Personal Independence Payment and Pension Age Disability Payment are among the benefits not counted as income.

Leaving a pension unclaimed does not necessarily keep it out of the calculation: pension income you are entitled to receive can still count.

What if your income is above the standard Pension Credit amount?

The standard figures are not universal cut-offs. Additional amounts can apply for qualifying caring responsibilities, severe disability, certain housing costs or responsibility for a child or young person.

A check carers can easily overlook

The carer addition is £48.15 a week in 2026/27. Some people can qualify through an underlying entitlement to Carer’s Allowance or Carer Support Payment, even when an overlapping benefit prevents a separate payment.

A severe disability addition of £86.05 a week can apply in qualifying circumstances. Household arrangements and whether someone receives a carer benefit for looking after you can affect entitlement.

Ask for a full benefits check before making a carer claim, as it can affect the benefits of the person you care for.

Receiving a disability benefit does not automatically entitle you to the severe disability addition. Read the detailed official guidance or seek benefits advice.

Savings Credit can provide up to £17.96 a week for a single person or £20.10 for a couple in 2026/27, subject to its eligibility and calculation rules. Special restrictions apply to some couples where one partner reached State Pension age on or after 6 April 2016.

What other help can Pension Credit unlock?

Depending on your award and circumstances, Pension Credit can help you access:

  • Housing Benefit if you rent.
  • Council Tax Reduction through your council.
  • A free TV licence if you are aged 75 or over and meet the rules.
  • Help with NHS costs, including dental treatment and glasses, if you receive Guarantee Credit.
  • Cold Weather Payments, or Winter Heating Payment in Scotland.

Some support needs a separate application. Savings Credit alone does not provide all the same entitlements as Guarantee Credit.

Help with energy bills

Pension Credit can be relevant to the Warm Home Discount, a £150 electricity bill discount for eligible households. It is a bill reduction, rather than cash paid into your account.

Eligibility depends on the scheme rules, where you live and your supplier. The scheme operates in England, Wales and Scotland, but not Northern Ireland.

If you owe money to an energy supplier, investigate grants that may help clear energy bill arrears too.

Help with mortgage interest

Some claimants may qualify for Support for Mortgage Interest. This is a repayable loan with interest, usually repaid when you sell or transfer your home. It is not a grant covering your mortgage repayments in full.

For other ways to reduce everyday costs, explore our guides to free and cheap meals for pensioners and food discounts for people receiving benefits. Each offer has its own conditions.

Do you need Pension Credit to get Winter Fuel Payment?

Pension Credit is no longer the general requirement for receiving Winter Fuel Payment. The eligibility restrictions introduced for winter 2024/25 have changed.

For winter 2026/27, eligible people born on or before 27 June 1960 who usually live in England, Wales or Northern Ireland can receive between £100 and £300, depending on their circumstances.

If an individual’s total income exceeds £35,000, HMRC will recover the payment. Scotland has a separate Pension Age Winter Heating Payment scheme.

Check the current Winter Fuel Payment guidance for exceptions and individual payment rules.

Check Pension Credit for its ongoing income support and associated help, even if you already receive a winter payment.

How to claim Pension Credit and request backdating

Start with the free official Pension Credit calculator. It gives an estimate, not a final decision. If it cannot assess your circumstances, contact the Pension Service.

  • Online: use the official application page if you have already applied for your State Pension.
  • Telephone: call 0800 99 1234, Monday to Friday, 8am to 6pm.
  • Post: download the claim form or request one by telephone.

Have your National Insurance number, bank details and information about income, savings and investments ready. Include your partner’s details where applicable.

You can request up to three months of backdating if you were eligible during that period. Provide details of your circumstances then. You can also start an application up to four months before reaching State Pension age.

Age UK or Citizens Advice can help with the form. If you disagree with a decision, you can ask for mandatory reconsideration.

Your Pension Credit checklist

  1. Check your State Pension age and your partner’s, if applicable.
  2. Gather pension statements, benefit details and savings balances.
  3. Include caring responsibilities, disability benefits and relevant housing costs.
  4. Use the official calculator or ask for a benefits check.
  5. If you apply, ask about backdating.
  6. After an award, check which additional help requires a separate application.

Check rather than assume: your home, savings or private pension do not answer the eligibility question on their own.

Pension Credit: frequently asked questions

Is Pension Credit paid automatically with the State Pension?

No. Pension Credit is separate and requires an application. Receiving your State Pension does not mean you have been assessed for Pension Credit.

Can you claim Pension Credit if you are still working?

Working does not automatically rule you out, but earnings are included in the assessment under the relevant rules. Your age, income and circumstances still need to be checked.

Can you claim years of missed Pension Credit?

A new claim can normally be backdated by up to three months if you were eligible. It does not normally recover years of missed payments.

Should you check again if you were previously turned down?

A previous decision reflects your circumstances and the rules at that time. Consider checking again after a change in income, a bereavement, new caring responsibilities or a qualifying disability benefit award. Annual rate changes can also affect the calculation.

If you already receive Pension Credit, report relevant changes to the Pension Service.

Sources and how this guide was checked

This guide was checked against official eligibility, rate and application guidance on 1 October 2026.

This article provides general information, not personalised benefits advice. Entitlement depends on individual circumstances. Rates and rules can change; use official guidance or a qualified benefits adviser for help with your claim.

The post Pension Credit: You could qualify even with savings or your own home appeared first on MoneyMagpie.

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