Best Trainline Railcards and Tickets 2026: The 7 We'd Buy
Seven things worth buying through Trainline, from SplitSave fares to the £35 Railcards, with the minimum fares, age cut-offs and refund rules that its product pages mention only in passing.
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Stock photo, not supplied by Trainline
Trainline sells the same national rail fares as the train companies, so what you are really choosing here is a product: a Railcard, a split fare, a flexible season ticket. This guide covers seven of them, each with its own page on the UK site, for students, couples, families, over-60s and part-week commuters.
The headline advice is to check the small print before the fare. Most Railcards carry a £12 minimum fare on weekday mornings, the Two Together card cannot be used before 09:30 on weekdays, and Railcards bought here live only in the Trainline app. And since April 2026, a refundable ticket you decide not to use must be refunded by 23:59 the day before travel.
SplitSave is the one thing on this list anyone can use. When you search a journey, Trainline checks whether buying separate tickets for parts of the route, say London to Stockport and Stockport to Manchester, costs less than one through ticket, and flags it with an icon. You stay on the same train; it simply has to stop at the split station. Trainline puts the average saving at £13 a trip, measured against the next cheapest fare it offered between July 2024 and June 2025. Railcards apply on top.
The weaknesses show up in the reviews. Some customers say SplitSave was added automatically and hard to remove, one found a cheaper fare booking direct with ScotRail, and another complained of trouble claiming Delay Repay on a split journey. You may also have to change seats partway.
Suits you if
You make long or cross-country journeys
You travel around the end of the peak
Look elsewhere if
You might need to change plans after booking
2Best value
Two Together Railcard
A third off fares for two named people aged 16 or over, as long as they travel together, for £35 a year.
The Two Together Railcard costs £35, which Trainline points out is £17.50 each, and takes a third off most fares across Great Britain when the two named holders travel together. Despite its reputation as the couples’ Railcard, it works for any pair aged 16 or over: friends, flatmates, colleagues, a parent and an adult child.
The catches are firm. It cannot be used before 09:30 on weekdays, so it is useless for the morning commute, and the discount only applies when both of you are on the train; travel alone and you pay full fare. It is sold here as a one-year card only. One Trustpilot reviewer who bought it for a single split-ticket trip found Trainline would not refund the Railcard when the train was cancelled.
Suits you if
You regularly take off-peak trips as a pair
Your combined fares top about £105 a year
Look elsewhere if
Either of you travels before 09:30 on weekdays
3Best for under-26s
16-25 Railcard
A third off most fares for anyone aged 16 to 25, at peak times too, for £35 a year or £80 for three.
This is the most flexible Railcard on the list. It takes a third off most Standard and First Class fares and works at peak times, which most Railcards do not. A one-year card is £35 and a three-year card £80, a saving of £25. The age rules are generous: you can buy the three-year card until the day before your 24th birthday and a one-year card until the day before your 26th.
The limits: a £12 minimum fare applies to journeys between 04:30 and 10:00 on weekdays (though not in July and August), and it cannot be used on season tickets. Mature students over 25, who can qualify through their college, cannot apply through Trainline. And because the card lives in the app, a flat phone means no Railcard, and possibly a Penalty Fare.
Suits you if
You are 16 to 25, or a student about to start
You travel at peak times
Look elsewhere if
You are a mature student over 25
You commute on a season ticket
4Best for families
Family & Friends Railcard
A third off for up to four adults and 60% off for up to four children aged 5 to 15, provided a child is travelling.
For family days out this is the biggest discount Trainline sells: a third off for up to four adults aged 16 or over and 60% off for up to four children aged 5 to 15. The adults and children do not need to be related, so grandparents and friends count. It costs £35 for a year or £80 for three years, against £105 for three separate cards.
The essential rule is that at least one child must travel with one of the two cardholders. A Trustpilot reviewer without children received this card as a perk, only discovered the rule after applying, and was left with a Railcard she could not use. Trainline’s page also notes that children travel for £1 each on Southeastern off-peak routes, so check that first if you live in the south-east.
Suits you if
You take children on the train a few times a year
Grandparents or friends travel with your children
Look elsewhere if
No child will be travelling with you
5Best for over-60s
Senior Railcard
A third off Standard and First Class fares for anyone 60 or over, as a digital card for one or three years.
Anyone aged 60 or over can buy a Senior Railcard, which takes a third off Standard and First Class fares across Britain and can be linked to an Oyster card for a third off Off-Peak travel around London. Since March 2025 it costs £35 for one year or £80 for three. Trainline’s own page is inconsistent about the three-year saving, quoting both £20 and £25; at current prices it is £25.
The format is the catch for some buyers. Trainline sells it only as a digital card in its app, which needs iOS 15 or a recent Android phone, and a flat battery means no discount. Several Trustpilot reviewers also report that a Senior Railcard was not applied to a booking, and that Trainline declined to refund the difference because the discount was shown before payment.
Suits you if
You are 60 or over and take a few trips a year
You are comfortable with a phone-based card
Look elsewhere if
You would rather carry a physical card
6Best for hybrid commuters
Flexi Season ticket
Eight day passes to use within 28 days between two named stations, for commuters who no longer travel five days a week.
A Flexi Season is a bundle of eight day passes valid for 28 days between two stations you choose. Each pass gives unlimited travel from activation until 04:29 the next morning, at any time including peak, and you decide on the day which days to use. It suits someone in the office two or three days a week. There is no fixed price; the app shows the fare for your route and compares it with buying returns.
It has more restrictions than its name suggests. It is Standard Class only, cannot be used on the Underground or Overground, and accepts no Railcards except the 16-17 Saver and Jobcentre Plus discount card. Flexi Seasons cannot be changed, an activated pass cannot be refunded, and a refund on unused passes carries a £10 admin fee.
Suits you if
You commute at peak two or three days a week
Your route sells barcode tickets
Look elsewhere if
You would use a Railcard on daily tickets instead
7Also great
26-30 Railcard
The 16-25 card’s older sibling: a third off most fares for anyone aged 26 to 30, for £35 a year.
The 26-30 Railcard does what the 16-25 card does for the next age band: a third off most Standard fares, Advance tickets included, across Britain, usable at peak times, with an Oyster link for Off-Peak London travel. It costs £35 for a year. If you are about to turn 26, though, a one-year 16-25 card bought the day before your birthday buys you another year at the younger card’s terms.
It is narrower than it looks. The £12 minimum fare applies from 04:30 to 10:00 on weekdays with no summer exemption, and it is not valid on some First Class fares, Caledonian Sleeper, season tickets or Eurostar. Trainline sells it only as a one-year card.
Prices as shown on Trainline's UK site in October 2026, before any discount code.
Choosing the right one
1Start with who travels with you
Railcards are tied to people, not routes. Students and anyone under 26 should look at the 16-25 card; 26 to 30, the 26-30; 60 and over, the Senior. Pairs who travel together off-peak suit the Two Together card, and groups with children the Family & Friends. Each takes a third off, so at £35 a card pays for itself once you would otherwise spend about £105 a year on eligible fares.
2Check the time restrictions
The headline third off hides different rules. The 16-25 and 26-30 cards work at peak but carry a £12 minimum fare on weekday mornings before 10:00. The Two Together card does not work at all before 09:30 on weekdays. None of the Railcards here discounts a standard season ticket, and the Flexi Season accepts only the 16-17 Saver. If your regular trains are early weekday ones, compare the actual discounted fare.
3Know what you can undo
Advance tickets are non-refundable. Refundable tickets bought since April 2026 must be refunded by 23:59 the day before travel, unless your train is delayed or cancelled. Booking fees never come back. A Railcard can be cancelled within 14 days only if you have not downloaded or used it. If your plans are uncertain, a flexible fare can cost less than an Advance ticket you end up wasting.
Why Trainline, and why not
Trainline does not set fares. Railcards are national products at national prices, and the tickets are the same ones the train companies sell. What Trainline adds is the machinery: SplitSave, Flexi Seasons in the app, Railcards stored on your phone and transferable to a new one at no charge, and tickets for Europe in the same account. It holds a 4.1 Trustpilot rating from more than 21,000 reviews.
The cost is a booking fee on most bookings, which you never get back, and customer service that features heavily in the one-star reviews: Railcard discounts not applied, paper tickets that must be posted back for a refund, and cancellation cover that paid less than buyers expected. The train companies’ own apps sell the same fares; Trainline’s case rests on the extras.
Buying from Trainline: the practical bits
Booking fee
UK bookings carry a fee of 59p to £2.79, set by ticket price and date; there is none when booking in the app on the day of travel. It is shown before checkout and is never refunded. Read October 2026
Ticket refunds
Refundable UK tickets bought from 1 April 2026 must be refunded by 23:59 the day before travel, except for delays or cancellations. Advance tickets can be changed, not refunded. Read October 2026
Railcard cooling-off
Railcards have a 14-day cooling-off period if they have not been downloaded or used. A lost phone is no problem: sign in on another device to recover the card, free. Read October 2026
Season ticket refunds
Season ticket refunds carry a £10 fee and are calculated on use. Weekly and Flexi Seasons cannot be changed, and activated Flexi day passes cannot be refunded. Read October 2026
Ticket delivery
Digital tickets carry no delivery fee. On the website, tickets posted or collected at the station incur a delivery fee; in the app, no delivery fees apply. Read October 2026
Yes. Trainline says any National Railcard valid for the journey can be applied to split tickets, so the two savings can stack. The one condition of split ticketing is that the train you take must stop at every station where your tickets divide; you do not have to get off. Check the fare breakdown before paying, since some reviewers say a Railcard was not applied.
What happens if my phone dies with a digital Railcard on it?
Trainline is blunt: if you cannot show your Railcard, you may be asked to buy a new ticket or be given a Penalty Fare. The card works offline, so signal is not the issue; battery is. If you lose or break the phone, you can sign in to your Trainline account on another device and the Railcard is still there, at no charge.
Is a three-year Railcard worth it?
The 16-25, Family & Friends and Senior cards come in a three-year version at £80, against £105 for three one-year cards, a saving of £25. It makes most sense for a student starting a three-year course, and for the 16-25 card, which can be bought until the day before your 24th birthday. The trade-off is paying up front for travel you may not make.
Other brands to consider
Railcard.co.uk sells the same national Railcards directly, for anyone who doesn’t want their card tied to a Trainline account.
TrainPal is another booking app built around split tickets; worth comparing for the same train before you pay a booking fee.
Sources
Trainline UK product pages for the 16-25, 26-30, Two Together, Family & Friends and Senior Railcards, SplitSave and Flexi Season tickets, read October 2026.
Trainline’s UK terms and conditions on refunds, Railcards and season tickets, read October 2026.
Trainline Help Centre article on booking and delivery fees, read October 2026.
Trainline’s Trustpilot page, filtered to one- and two-star reviews including those mentioning Railcards and split tickets, read October 2026.
Desk research only: we read these pages and reviews; we did not test the products. How we choose.