Technology
Samsung Upgrade Program: What you should know

Samsung has revealed its latest range of foldable phones which hit the stores on August 11. Fresh to the Galaxy Z range are the Flip 5 and Fold 5.
For those who don’t know, the Galaxy Z Fold 5 includes a giant tablet-like main display that folds like a paperback book, longer battery life, an improved Snapdragon 8 Gen 2 processor, and a thinner design.
Meanwhile, the Galaxy Z Flip 5 boasts a new front-facing screen, dubbed Flex Window, that’s a generous 3.4-inch (much larger than the 1.9-inch display found on the previous generation).
As always, these cutting-edge upgrades come with top-tier prices. The cheapest Samsung Galaxy Z Fold 5 still costs a hefty £1,749, while the most affordable Galaxy Z Flip 5 starts at £1,049, which can really leave a dent in your ISA.
If you’re looking for the latest discounts, we’ve compiled the best Galaxy Flip 5 deals and best Galaxy Fold 5 deals, so you can save some money during the preorder period for the latest Samsung smartphones.
Another affordable way to make the upgrade to the latest generation of Samsung devices is the Samsung Upgrade Programme, which spreads the cost of the handset into smaller monthly payments. When the next Galaxy Z phone is announced, Samsung allows those signed-up for the scheme to hand over their existing handset and walk away with the brand-new device.
Want to know how the scheme works, or are you already a member looking to switch to the newly-announced Galaxy Z Fold 5 and Galaxy Z Flip 5? Below, we’ve got everything you need to know about the Samsung Upgrade Programme. Scroll down for the complete guide, or click on the links above to jump to the relevant section.
The Samsung Upgrade programme allows fans to pay for the latest Galaxy smartphones in monthly payments, with the option to upgrade to a new handset every year.
To sign-up for the scheme, you’ll need to enter a credit agreement with Samsung via finance broker Klarna, which is interest-free so you don’t have to worry about paying more than you usually do for a new phone. After the first 12 months of the interest-free scheme, you’ll be given the choice to either continue with the repayments until you’ve paid off the full cost of the device, or hand-in your current smartphone and enter a new agreement to upgrade to the latest Galaxy handset from Samsung.
With the release of the new Galaxy Z Fold 5 and Galaxy Z Flip 5, you can sign-up for the Samsung Upgrade Programme for either phone.
However, the Samsung Upgrade programme doesn’t come with a SIM that includes data or phone calls, so in order to use the phone, you’ll have to buy a SIM card from a provider like Vodafone or Sky to use it to its full capability.
When you choose either phone you want, you pay 10 per cent of the price upfront then you pay 23 interest-free instalments and then a 24th final instalment – which is larger than the 23 instalments – in order to keep the phone.
So for example, if you want the 256GB Galaxy Z Fold5 you would pay an upfront payment of £174.90 then 23 monthly instalments of £53.23 then a final repayment of £349.80.
But if you don’t want to keep the device, you can choose to swap the phone and return it to Samsung for exchange of a new phone at any time between months 12 and 24.
If you’re already part of the Samsung upgrade programme, you must send your old Galaxy device within 7 days of receiving your new Galaxy device.
However, you must be over the age of 18 to purchase a phone through Samsung’s upgrade programme and you must make repayments in accordance with your credit agreement.
Samsung’s Upgrade Program is different compared to regular mobile phone contracts that you would get from EE, Vodafone, Three, Tesco Mobile and others.
Most mobile phone contracts charge you interest on loaning the phone so you tend to pay more overtime which includes the data that you use for the phone.
That can mean you’re paying a lot more for the privilege of owning a new phone when it is cheaper to buy it out right. The good news is that Samsung’s Upgrade Problem doesn’t do that.
Because it is 0 per cent interest, you don’t need to worry about paying more for the phone than if you were to buy it out right. The only cavet is that the payments are front and back-loaded – meaning you pay more to begin with and at the end of your contract.
As mentioned above, if you want the 256GB Galaxy Z Fold5 you pay an upfront payment of £174.90 then 23 monthly instalments of £53.23 then a final repayment of £349.80 so the start and the end of the contract can be more expensive.
Technology
Everyone with a PayPal account put on red alert and urged to follow 10 new rules

There’s a new alert from security experts and anyone with a PayPal account would be wise to take note. The popular payment system appears to be back in the spotlight with cyber crooks trying to use the platform to scam people. In fact, the team at McAfee Labs say they have found a whopping 600 percent increase in PayPal attacks since the start of the year.
Most of the scams arrive in the form of worrying emails that suggest accounts have been suspended with users urged to update their details to get things reinstated.
Other attacks include fake PayPal gift card offers, fraudulent invoices and customer support scams about billing issues.
“While PayPal works diligently to protect its users, scammers are constantly evolving their tactics and often capitalise on well-known companies, especially if they’ve been in the news recently,” McAfee explained.
“The recent surge has been traced to a single, highly effective campaign where attackers send official-looking emails with “Action Required” warnings, demanding users update their account details within 48 hours or face account suspension.”
McAfee says it’s now vital that users take care when opening messages that claim to be from PayPal and watch out for links to websites that aren’t official PayPal domains.
Some useful advice has also been issued with 10 new rules that are worth knowing if you’ve ever set up or use PayPal.
How to Protect Yourself from PayPal Scams
• Verify all communications directly with PayPal: Never click links in emails or texts claiming to be from PayPal. Instead, open a new browser window and log in directly at Pay, Send and Save Money with PayPal , or use the official PayPal app to check for notifications.
• Scrutinise web addresses and email senders: Legitimate PayPal emails will come from addresses ending in @paypal.com. Be wary of similar-looking domains like paypal-account.me or service-ppal.com.
• Never call phone numbers provided in suspicious messages: If you need to contact PayPal support, use only the official contact methods listed on their website: PayPal Contact Us | PayPal US
• If an email says it’s from [email protected] proceed with vigilance: Some scammers spoof email addresses or use real PayPal tools like their invoices to fool you.
• Check your PayPal account regularly: Frequent monitoring allows you to spot unauthorised activity quickly and report it before significant damage occurs.
• Be sceptical of urgency and threats: Legitimate companies don’t typically threaten immediate account closure or demand urgent action within short timeframes like 28 hours.
• Use PayPal’s built-in security features: Familiarise yourself with PayPal’s security centre and take advantage of their fraud protection tools.
• Report suspicious activity immediately: If you receive a suspicious message or notice unauthorised activity, report it to PayPal and change your password right away.
• Turn on two-factor authentication: If you do so, if someone gets your password, they still can’t access your account without a code sent to your phone or authenticator.
• Skip messages that offer gift cards or say you’ll get paid for filling out a survey: PayPal doesn’t typically send these, but scammers often do.
Technology
Another new Sky TV rival is coming to the UK and it’s totally free to watch

Sky might have just upgraded its broadband-powered Glass TV but it’s rivals aren’t standing still either. French telly manufacturer Thomson has just unveiled a swathe of new screens at an event in Vienna, and it’s been confirmed that some of these latest models are destined for the UK. The new televisions coming our way will all have access to Freely, which—like Sky Glass—lets users watch live and on-demand content via an internet connection. That means there’s no need for a dish or aerial to be stuck to the chimney with content streamed to the big screen instead.
Freely also offers the ability to pause live shows, see recommendations for things to watch and there’s full access to main and mini TV guide.
Freely can’t quite match the might of Sky’s huge catalogue of content, but, unlike the premium provider, it is completely free to watch.
Along with coming pre-loaded with Freely, there’s another bonus of these upcoming Thomson tellies as they will be powered by TiVo.
This platform is already included on some other screens from firms such as Panasonic and Bush, plus it has long powered older V6 set-top boxes from Virgin Media.
Now it’s being added to this latest swathe of goggleboxes and it promises to make finding things to watch a whole lot easier.
Along with offering a visually rich user experience, TiVo holds a vast amount of metadata, which helps it track down content via simple keywords. All users have to do is speak into the remote to narrow down the on-screen results. It even lets users add more search terms to reduce the number of things appearing on the screen.
For example, a user can say, “films with Tom Cruise”, but then add phrases such as “from the 90s” and “only comedies” and TiVo will do the rest.
“We make it easy for people to find, watch and enjoy what they love, on their terms,” TiVo explained.
“We serve up the best movies, shows, sports and videos from across live TV, on demand, streaming services and countless apps. With TiVo, there’s less searching, more watching in one integrated experience from any screen.”
The TiVo operating system even lets you dig into the settings and turn off certain streaming platforms. That means if you don’t subscribe to Disney+, for example, you won’t see content recommendations from the app appear on the display.
Unlike Google TV and Amazon’s Fire OS, TiVo is also proud to boast that it is totally independent, so it doesn’t push its users to specific apps or content.
There’s no exact launch date for the new Thomson tellies, but they are expected to arrive in the UK in the autumn with sizes from 24 to 64-inches available.
If these screens weren’t enough to worry Sky, TiVo has also hinted that it could also bring a Freely-powered set-top box to the UK in the future.
Right now, those wanting to access this service need a compatible TV to tune in, but it’s hoped that a new streaming box would bring Freely to older screens as well. Some manufacturers such as LG and Samsung also haven’t adopted Freely yet so a box would also fix that issue as well.
This update would be a direct rival for Sky Stream, which also turns old TVS into fully smart content hubs.
We don’t have full details just yet, but watch this space.
Technology
LG confirms game-changing upgrade for these TVs – is your model on the list?

If you have an LG TV tucked in the corner of your living room you might want to see if a new app has just been installed. The Korean technology giant has just confirmed that some of its latest screens have now received an upgrade that includes the highly anticipated Xbox app.
Once loaded and launched, this popular platform lets you access a whole swathe of games from developers such as Activision, Bethesda, Blizzard, Mojang, Xbox Game Studios, and more.
The best part is, you don’t need an expensive Xbox console to enjoy a gaming session with everything streamed to the big screen via your broadband instead.
To access this service you’ll just needs an LG TV or select smart monitors running the latest webOS 24 and Xbox Game Pass Ultimate membership which costs £14.99 per month.
If you have both of those then you can jump straihgh into games such as Call of Duty: Black Ops 6 to popular titles like Avowed, South of Midnight or eagerly awaited upcoming releases like Towerborne.
Game Pass Ultimate members can also conveniently stream a select catalogue of games they already own, such as NBA 2K25 and Hogwarts Legacy, adding even greater flexibility to their gaming experience.
“LG remains dedicated to delivering the ultimate home entertainment experience with its cutting-edge TVs and top-of-the-class built-in platform, webOS,” LG explained.
“Through its partnership with Xbox and the launch of the Xbox app, LG elevates gaming with the precision of game-changing OLED TVs and the brilliant and vivid action of the latest QNED TVs, including unrivalled gameplay upscaled to 4K for lifelike visuals, while offering a convenient interface on LG Smart TVs to enjoy a vast library of games with cloud gaming.”
The Xbox app is rolling out now and you should find it on the home screen.
Xbox says these are TVs it’s available on which include 2022 OLED TVs, 2023 OLED, QNED, NanoCell and UHD TVs – which have been updated to software version 23.20.01 or higher
This Gaming Portal is available on LG screens in Austria, Belgium, Brazil, Canada, Chile, Denmark, France, Germany, Italy, Ireland, Mexico, Netherlands, Poland, Spain, Sweden, Switzerland, Turkiye, UK and USA.
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