E: 26/10 Win A Bespoke Prize Package Up to £5,000 Thanks To Experian

Comping_Rich

https://comp.capitalfm.com/experian-2026/

Everyone’s got a story, and often the next chapter starts with getting your finances back on track.

That’s where Experian can help. Whether your story is starting a side hustle, getting on the property ladder, investing in your wellbeing or focusing on your education, getting your finances in order can help you feel ready for what’s next.

That’s why we’ve teamed up with Experian to give two winners the chance to win a bespoke prize package worth up to £5,000 tailored around your story and the financial goal you’re working towards.

For your chance to win, simply tell us your story below. We want to help your story go even further by championing it on-air and across billboards. One winner will share their story with one of the UK’s biggest stars, Aitch, and another lucky winner will share their story with an Experian expert – which could support your next move. So, make it personal, make it memorable, and give us a story we’ll remember!

Win With Experian

We’ve teamed up with Experian to give you the chance to win a bespoke prize package worth up to £5,000 tailored to you and your story.

To enter, choose one of the categories from a side hustle, wellness, education or home and tell us in the text box below what you’re working towards and why you want to better your story.

Your entry may be used on-air but this does not constitute a win.

Entries close at 23:59 on Monday 26 October 2026.

18+. UK only. T&Cs apply.

Comping_Rich

https://campaign.capitalfm.com/terms-conditions/2d2a95cb-a447-43c9-8f38-546cc013

Experian Online Competition on Capital Network including Scotland, October 2026 – Specific Rules 

 

1. The Experian Online Competition promotion ('Promotion') is organised by Global (as defined in the General Terms and Conditions). The Promotion will run from 12th October 2026 to 26th October 2026 on Capital Network including Scotland. Global is the Promoter. The 'Promotion Partner' mentioned in these Specific Rules is Experian Ltd and the 'Prize Provider' is NDL (Nick Deyong Limited, company number 04916932) in respect of the bespoke prize package, and Global in respect of the audio advertisement recording and outdoor advertising elements. 

 

2. IMPORTANT: The Promotion is subject to these Specific Rules and the General Terms and Conditions which are available here (together, the 'Promotion Terms and Conditions'). Entry into the Promotion constitutes acceptance of these Specific Rules and the General Terms and Conditions. 

 

Details of the Promotion 

 

3. To enter the Promotion, you must: 

 

a. Go online to the Promotion entry page at  https://www.capitalfm.com/win  or via the Global Player app by clicking on the Win with Capital tile, register your details;

 

b. Select the category your entry relates to from the drop-down list (side hustle, travelling, wellness, education or home) and explain in 300 characters or less how £5,000 would help you to better your story. 

 

For example: "I started my own side hustle making jewellery from my bedroom. What began as something I made for friends has turned into actual orders — now I think it could be more than just a side thing. £5000 would be a game-changer: more stock, an accountant, and the push to turn this into a full-time job." 

 

c. Agree to these important conditions of entry: If you are selected as a winner, taking part in the advertising campaign (recording the audio advertisement and featuring in the outdoor advertising described in the Prize section below) is a condition of the prize. If you are unable or unwilling to take part, you will forfeit the entire prize, including the £5,000 bespoke prize package. All entrants (regardless of whether they are a winner) must also be willing for their entry (including the content they submit) to be featured and broadcast on air, including after the dates of this Promotion. Please make sure you are willing and able to take part before you enter. 

 

4. Entries will be judged by a panel of judges including one independent judge on the following criteria:  

 

a. How relevant your answer is to the question of how £5,000 would help you better your story and the category you selected;  

 

b. Whether the idea is realistic and achievable within the £5,000 prize budget;  

 

c. Whether the idea is tangible and deliverable, in the form of services, products, experiences, education or cash; and  

 

d. Whether the idea is suitable for us to feature in on-air and outdoor advertising connected with the Promotion.

 

5. Entries deemed by us to be rude, offensive, defamatory, illegal or condoning dangerous behaviour will be removed from the Promotion. 

 

6. Online entry will open at 5:00pm on Monday 12th October 2026 and close at 11:59pm on Monday 26thOctober 2026. Entries received before or after this time will not be included in the Promotion. 

 

7. Bulk, automated, machine assisted, third party, syndicate or other group entries are prohibited and we will disqualify any entries (and withhold or reclaim any associated prize from you) which, in our reasonable opinion, appear to have used any of these entry methods or, for example (without limitation), entries or votes that have been made from the same IP address, email address, postal address, telephone number, or similar or entries which we, at our sole discretion but acting reasonably, consider to be suspicious or fraudulent. 

 

8.  If we know or suspect you are trying to enter or have entered this Promotion by using more than one phone number or if we know or suspect you are using variations of your name, we reserve the right to disqualify any relevant entry(ies) and exclude you from this Promotion and also permanently exclude you from entering any of our Promotions. 

 

9. Within 7 days of the closing time of the Promotion, all eligible entries will be entered into a draw. 50 entries will be selected at random and will be reviewed by the judges against the criteria outlined above. Two entries will be selected as winning entries and such winning entrants will be contacted by one of our representatives via email or telephone on the telephone number with which you registered to enter the Promotion. If such winner does not respond within 28 days from being contacted, they will forfeit their right to the prize and we shall be entitled to select another winner from the original list of 50 entries. That subsequent winner must respond to the notification email within 14 days of the date on which they are notified, or they will also forfeit the prize. 

 

10. If none of the shortlisted 50 entries are deemed to meet the stated criteria, another 50 entries will be drawn at random and two entries will be selected as the winners and contacted as outlined above. 

 

11. By submitting your entry to this Promotion, you confirm that you have obtained the consent of all individuals that feature in your submission (in the case of children under the age of 18, you have obtained the consent of the child's parent/guardian) and agree to notify us immediately if their consent is withdrawn at any time. 

 

12. We and the Promotion Partner and the Prize Provider may publish and publicise your submission, name, image, your nearest geographical location (for example, your nearest city, town or county) and your entry, and we may refer to your and any applicable third party's (for example any one included in the submission/a guest/a travel companion) association with the Promotion and/or the prize, in any and all media, worldwide, in perpetuity, for publicity and PR purposes solely in connection with the Promotion; subject always to our Privacy Policy and all applicable laws. 

 

13. In relation to winners (and runners up if applicable), you understand that we and our Promotion Partner may: (i) interview you and your guest(s)/travel companion(s) which we may film, photograph and/or record; and (ii) film, photograph and/or record, you and your guest(s)/travel companion(s) in connection with the Promotion, either by telephone or in person, and we may use such films, recordings and/or photographs for publicity and PR purposes in any and all media, worldwide, as often and for as long as we consider appropriate or desirable in connection with the Promotion, unless you object to your and/or your guest's information being published or made available,  provided that this right to object does not apply to the audio advertisement recording and outdoor advertising elements of the prize (which are mandatory conditions of accepting the prize).  

 

14. We may also publish your and your guest(s)/travel companion(s) name, image, social media handle and/or profile picture. By submitting your entry, you agree that any content you submit may be broadcast as part of an on-air radio segment showcasing listener submissions, including after the dates of this Promotion. You will not be notified in advance, and no compensation will be provided if your entry is featured. Selection of your entry for on-air broadcast does not mean you have won and it does not affect, increase or guarantee your chances of being selected as a winner. 

 

15. In addition to the publicity and PR permissions in clause 13, and as a condition of the audio advertisement and outdoor advertising elements of the prize, you grant us and the Promotion Partner (Experian Ltd) an irrevocable, worldwide, royalty-free licence to record, broadcast, publish, reproduce and otherwise use your name, image, likeness and voice, the audio advertisement in which you feature and the photograph you provide, for advertising, marketing and promotional purposes (including co-branded advertising with the Promotion Partner) in audio, radio, out-of-home, and digital and social media channels, for the duration of the campaign and for up to 12 months afterwards. You agree to sign our standard release form confirming these permissions before taking part.  

 

Eligibility 

 

16. The Promotion is only open to residents of the UK aged 18 and over, and who are based in the UK at the time of entry. 

 

17. Entry is restricted to one entry per person; duplicate entries will be excluded from the Promotion. 

 

18. Only one name and telephone number may be used by you in relation to this Promotion. The use of multiple names, telephone numbers and/or devices is a breach of our Promotion Terms and Conditions and we reserve the right to disqualify your entry(ies) and you will forfeit your prize should we know or have reason to believe that you attempted to use or did use more than one name, phone number and/or device to enter this Promotion. It is also prohibited for anyone else to enter the Promotion using the same phone number including household members or friends. 

 

19. Before transferring any winnings to you we reserve the right to request Photo ID (such as your passport or driving licence) and confirmation that the telephone number you entered on belongs to you and proof of your home address (such as a phone bill with your name, address and telephone number on). You agree and understand that should you win a cash prize you may be required to provide these to verify your eligibility. If you fail to provide the requested information and we are unable to verify your eligibility, we reserve the right to withhold any prize from you. 

 

Prize 

 

20. Two winning entrants will receive: 

 

a. A bespoke prize package to the value of £5,000, made up of goods and/or services and/or cash selected by the Prize Provider after judging, tailored to the winning entry and the category selected by the winner. The prize package is a contribution towards the winner's stated idea and may not cover its full cost. 

 

b. The opportunity to take part in the recording of an audio advertisement featuring the winner. The recording date will be discussed with and notified to the winner between 4th November 2026- 30th December 2026. The advertisement will be broadcast across Capital Network including Scotland. The first entrant selected as a winner, deemed winner number one, will be recording with Aitch. Winner number one must make themselves available to attend a defined location (details to be shared by Global liaison) in Manchester to record audio advertisement (4 x scripts) with Aitch. The second entrant selected as a winner, deemed winner number two, will be recording with an Experian expert. Winner number two must make themselves available to attend Global Leicester Square office (30 Leicester Square, London, WC2H 7LA) to record with an Experian Expert. We will arrange and pay for the winner's reasonable travel and accommodation if required (for example, train tickets and hotels) and provide a reasonable allowance for food and drink (which may be provided as a voucher) to attend the recording. All expenses must be approved by us in advance.

 

c. The opportunity to feature in outdoor advertising, in which a photograph of the winner will be used. Winner must send a picture of themselves within timeframe outlined by the Global contact that meets Global requirements for quality, decency and relevancy to the campaign.  

 

21. The audio advertisement recording and outdoor advertising elements of the prize described in the Prize section above are conditions of accepting the entire prize.  By accepting the prize you agree to take part in the recording of the audio advertisement and to feature in the outdoor advertising, and to make yourself available to do so on the dates and at the locations notified to you. If you notify us that you are unable to attend on the date or at the location notified to you, we will use reasonable efforts to agree alternative arrangements with you. If, despite this, you remain unable or unwilling to participate in the audio advertisement recording and/or outdoor advertising, you will forfeit the entire prize (including the £5,000 bespoke prize package described in the Prize section above) and we reserve the right to select another winner.    

 

22. You understand that should you win a prize package that is made up of various elements you are required to redeem all aspects of the prize in order to keep the prize. For example, you will not be able to accept the £5,000 prize package only. If you are unable to accept the prize awarded in full, we reserve the right to withdraw the entire prize package and select another entrant to play or win as applicable. 

 

23. Any other costs and expenses which are not specifically included in the prize description are excluded and will be the sole responsibility of the winner.  

 

24. We (or the Prize Provider) will contact the winner to arrange their prize and will begin fulfilling it as soon as the winner provides the required details. The bespoke prize package, or the relevant element of it, will be fulfilled within 28 days of the winner providing those details, except that any element involving travel or similar must be booked and redeemed within 12 months, after which it will expire and no alternative or compensation will be provided. The timing of the audio advertisement recording and the outdoor advertising is as set out in the Prize section above. Where a prize element depends on a third-party supplier, availability and the supplier's own booking terms may apply. 

 

25. The prize is non-transferable and non-refundable. No cash alternative is available except at our sole discretion. 

 

26. We reserve the right to substitute the prize with another prize of equal or greater value at our absolute discretion. 

 

27. For all enquiries in connection with the Promotion please contact our customer support team at  https://global.com/contact/ . 

 

Data Protection 

 

28. Your personal data that you provide to us will be collected and processed by us, our licensees (including Communicorp UK Limited) and our Promotion Partner, each as an independent controller. NDL will process personal data on our behalf and under our instructions in relation to prize fulfilment. Your personal data may also be processed, where applicable, by our service providers, network operators and suppliers in order to administer and fulfil the Promotion, including the use of the winners’ photographs, images, voices and the audio advertisements in co-branded advertising with the Promotion Partner across audio, radio, out-of-home and digital/social media, the retention and on-air re-use of entrant submissions, to produce, broadcast and publish the audio advertisements and outdoor advertising described in these Specific Rules, and to broadcast entrant submissions on-air as described in the on-air radio segment clause above.  

 

29. The advertising use of the winners’ images and voices is carried out on the basis of our legitimate interests and those of the Promotion Partner, with clear information provided at the point of entry. The licence and signed release obtained from the winners provide the separate contractual permission for that use and are not themselves the basis for processing. Your personal data may also be disclosed to Ofcom and/or the Advertising Standards Authority at their reasonable request for regulatory purposes, for example, in order to prevent, investigate and detect crime, fraud or anti-social behaviour and comply with law enforcement agencies and applicable advertising codes. Entrant submissions re-used on-air will be kept for no longer than 12 months after the end of the Promotion. 

 

30. By entering a Promotion, any personal data provided by you in connection with the Promotion will be processed as set out above and in accordance with our Privacy Policy, and our Promotion Partner's Privacy Policy. Please ensure you have read and understood our Privacy Policy and our Promotion Partner's Privacy Policy before entering any Promotion. If you are required to submit a guest(s)/travel companion(s) personal data to enter a Promotion, you must ensure that your guest(s)/travel companion(s) have given you permission to provide us and our Promotion Partner with their personal data. 

 

31. Where necessary to administer the Promotion, we, our Promotion Partner and the prize providers may transfer and process personal data outside of the UK and EEA. Where we do so, we and the Promotion Partner will ensure that the transfer is protected by an appropriate safeguard recognised under applicable data protection laws, such as a finding of adequacy or the International Data Transfer Agreement or the UK Addendum to the EU Standard Contractual Clauses. 

 

32. You can use your data protection rights, including asking us to delete your personal data by emailing privacy@global.com. We cannot always delete everything immediately. Sometimes we need to keep some of your data for a period, for example to show the Promotion was run fairly, to answer questions from Ofcom or the Advertising Standards Authority, or to deal with a legal claim. Where that applies, we will only keep what we need. If your data is erased prior to the conclusion of a Promotion, you will forfeit your right to enter the Promotion and/or claim any prize and we reserve the right to select another entrant to participate in the Promotion or withdraw the prize and select another winner, as applicable.

Moneybot

Note from T&C

50 entries will be selected at random and will be reviewed by the judges

So though first stage is random it is then judged