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A British schoolboy was offered £5million by American investors for a money-saving website he created in his bedroom at his parents' house – but rejected it in the hope of making more money.

Mr Lewis hinted that he may not always work for the consumer website saying of the acquisition: "This is great news for Money Saving and its users, ensuring, with or without me, the site will be around for many years to come, maintaining our ethos of ‘cutting your costs and fighting your corner’.

Personal Money Network does not now and never has been a lender or offered loans.

Mr Ali said that when the pair met a group of Americans in London to discuss an investment, they instead offered to buy the company for a sum of 'more than £5million'.

The sixth-form student would not disclose the exact figure but said: 'We met the investors in London, they were a global data driven company, and they didn't realise I created all the technology involved.'The offer was rejected in December, just before Christmas.'The main reason we rejected the offer was because, if the technology and concept is worth millions already, just think how much it will be worth once people use it.'I understand this is a big risk for me but I want to create this as a household name, and at the same time make something for myself.'The big thing about what we're doing is that there are no competitors - this is a real time money saving expert - it's like a Bloomberg for the general public.'For his latest venture, weneed1.com, Mr Ali said he has 'developed an algorithm which provides real time quotes instead of the normal pre-fixed quotes you find on insurance sites.'The idea for the money-saving website came from Mr Thorpe, an entrepreneur who lives in Scarborough with his family.

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But it reportedly cut overtime time pay six weeks ago by changing it from double to one-and-a-half times the usual wage for unregular hours.

Waitrose said it stopped overtime pay or higher rates on Sundays after it looked at the market and realised that competitors were not offering similar benefits.

(4) You are limited to making one withdrawal a year.

If you make any more your rate drops to 0.25 per cent.