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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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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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Opening new BoS current account?
We have accounts with Lloyds and Halifax, and have opened the 8% regular savers for Lloyds (OH), Halifax (both of us), and BoS (myself only). I have already got 2 Lloyds RS which I will let run to term. I didn't have any previous relationship with BoS but managed to create a login by using my Halifax account details. I now…
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Why does Marcus by Goldman Sachs want inheritance documentation for opening a 4.90% fixed bond?
They asked for a bunch of documentation as proof of inheritance when I tried to open the account and chose inheritance as source of money, now I'm worried the product will get pulled while they get around to checking my uploaded documents, however long that takes. Maybe next time in future I'll just pick Savings as source…
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Where to invest £100k today?
Hi I have £100k cash to invest, I have used my 2026/27 CISA allowance. I am 65, have 2 fully paid properties rented and not in the mood or energy for more. I have investments managed by institutions/banks doing OK not much above banks interest rates. Banks are paying now around 4.9% for 1 to 5 years fixed rate bonds. I've…
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Old before your time?
Saga has a 4.5% easy access account. At the moment that seems to be the best non-ISA rate for large amounts. Saga is marketed to over-50s but is available to over-18s. I ‘qualify’ on both counts but doubt I would have opened an account when much younger. What is your age and would you have opened a Saga account if you were…
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Vanguard lowering fees - that's nice
Just got an email that Vanguard are lowering the fees on their FTSE All-World ETF from 0.19% to 0.14% - a 26% reduction! Not to be sniffed at - I wonder what drove them to that - presumably the competition and loss of customers?
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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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Halifax Reg Saver 8% - no idea where to open one !
Just for non Halifax / Lloyds members - has anyone actually managed to open one of these new accounts? I have been on the website and appear to be stuck in a doom loop and unable to actually find the place to apply ! Any help / links appreciated. I've also tried the app, but this states that I ned to open a current account…
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extra fees for buying on different stock markets?
Hi I've got a freetrade account I had an interest in buying these shares: EssilorLuxottica €ELp I notice when I buy or sell there appears to be a FX fee can anyone fill me in on what this is and how much it takes per transaction etc?? is it worth on this basis avoiding either individual shares, or specifically individual…
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£10 e voucher for getting Yorkshire Building Society App - newbies only
I was glad I hadn`t downloaded the YBS App yet after receiving an email which offers an £10 e voucher for customers who haven`t downloaded the app. "Download, register and log in to our app for the first time by midnight 3 August 2026 and we'll treat you to a £10 e-voucher. Choose from over 200 stores. Terms and conditions…
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SUN LIFE OVER 50 PLAN. A WORD OF WARNING
In November 2006 my father opened this plan with SunLife. He agreed to pay them £22 per month and was guaranteed a lump sum payment of £2,040 upon his death. My dad continued to make these monthly payments right up to the day he died at the grand old age of 90 in January this year, in fact Sunlife took a payement out in…
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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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How to maximise my savings?
Hi folks I've been banking with HSBC for quite a few years now, but their interest rates aren't particularly great so it's time for a change. After weighing up my options on MSE I've initiated a transfer of my cash ISA to Vida, and have already moved my easy access savings (about £32K) to Chase. I was just wondering if…
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HBOS shareholder
I am trying to locate if my 371 shares under Folio (Removed by Forum Team) The last statement I can find is dated 10/09/01
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Retirement Investment portfolio thoughts
Considering retiring soon Aged 45 with a view to living until 90 or so, current portfolio in a variety of single stocks totalling around 1.5mil all in tax wrappers, Thank you Rolls Royce Our FIRE numbers Here have pension income/lump sum kicks in at 60yrs, 25k / yr and 144k lump sum. We have no children and no plans on…
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Advice for ISA for wife
Hi, my wife is thoroughly pee'd off with Aviva since switching her pension to them, they seem spectacularly unable to take her direct debits every month. So she's decided just to leave that pension as it is with no further contributions and set something else up instead. She's 56 and this will go towards retirement, but…
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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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Do we need to report a sale of shares?
We have sold some shares, on behalf of our grandchildren, that were in bare trusts, the gain is under £3000 per child, they are not taxpayers. Does this need to be reported to HMRC?
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At What Portfolio Size Would You Consider Professional Advice?
I've always been curious about this. Many people manage their own investments successfully, but at what point do you think it becomes worth getting professional advice? For example: £100k? £500k? £1 million+? Only when retiring? Never? Is it about the amount of money, or is it more about life events like retirement,…
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Santander's new 8% regular saver?
What are peoples' thoughts on their new offering - especially for existing customers? Is it a no brainer? How quick was it to actually close your old RS when going via chat before you were able to open the new RS? I note that rather than rolling into a new RS in 12 months time (with accumulated funds and accrued interest…
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