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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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Spring Accelerate 5% instant saver
Hi All Looking around and found spring Accelerate saver @ 5% for up to 5k Just looking for any thoughts from any one who's using Spring bank , hit or miss Thanks Steve
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Financial education for a teenager
My grandson will receive about £200,000 in investments from a bare trust when reaches 18 next year. There are no restrictions on what he does with this but I would like to arm him with practicalities and some financial education provided by a disinterested third party. Suggestions please.
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Gains on policies
I hold some with profits bonds, that I have had for 23 years. I understand that the 'gain' is not subject to CGT, but is added to income. I am a higher rate tax payer (nowhere near additional rate!). I don't really understand top-slicing relief - or at least I don't think it makes any difference in my case. The overall…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: To provide a list of the top regular savers currently on offer To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article which…
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Why do people with the knowledge seem to invest more in ETFs?
That could be totally wrong which is why I used the word seem (seems to me). Also with "the knowledge" I'm referring to people will more knowledge than me, which will be pretty much all of you & most people I will encounter on any kind of financial forum like this one. Obviously these things aren't factually correct,…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Cahoot Sunny Day Saver 5%
Can someone help me with an interest calculation? My Cahoot Sunny Day Saver pays 5% annually on balances up to £3,000. I have £3,000 in it. Will I get £150? Or is the interest calculated in a way that means I get less? And would I be better off having a balance of less than £3,000? (e.g, £2,850, and putting that remaining…
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Doom scrolling and the next financial crash!
I've been reading and watching many pundits who are warning about the levels if debt, particularly in AI, that have cause the markets to grow in the last couple of years. I normally ignore such Cassandras, but this time I find myself agreeing with many of their arguments. It seems like a pretty big bubble and anyone in a…
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Phoenix Life NISA ‘Funeral Fund’?
I’m helping my 81yr old MIL to sort her paperwork- she’s showing signs of early dementia and seems a little confused about her finances (she has LPA set up ready when we feel it’s time). I found an envelope marked ‘Funeral Fund’, it’s a Phoenix life ISA bonus account- NISA Unitised with profit. I can see she took it out in…
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The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Premium Bonds prize rate to rise to 4.35% – how do they compare?
NS&I will increase the prize-fund rate on its Premium Bonds to 4.35% (from 3.8%) for the September draw and beyond. Read the full story: Premium Bonds prize rate to rise to 4.35% – how do they compare? If you haven’t already, join the forum to reply.
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Using Lemfi for savings. Any feedback please
Hi, recently Which recommended LemFi for a great (clean) EA savings rate - 5% inc. bonus - via their App. FSCS protection by Clearbank. Does anyone on here have any experience of them please ? I'd like to place quite a lot of money with them. Cheers. Joe
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Best thing to do with savings ?
I am about to gain around £450k - what is the best thing to do with it ? Bearing in mind that we are already maxed out on ISA's this year - having £200k in a Quilter Cheviot portfolio ISA. I really want to try something else but what ? I understand that you can put £50k into premium bonds - tax free winnings Cahoot…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.85% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……
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My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
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Different Types of Gilt TN, TR, T, TG and TRxA etc.
I am considering moving some of my cash (held in the RL short-term money market fund) to Gilts as a hedge against interest rate decreases. On the II website (my chosen platform), I can see numerous Gilts with various references; see the title for examples. What do the references mean? Also, if I want to sell them before…
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Santander Edge Saver ended
I am looking to open another Santander Edge Saver account, please can someone remind me how to do this so I can open another ? I think the last time I did it was via the phone and wait for the account to be closed and reapplied?? Is this the way to do it or quicker to do it via chat bot, please?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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