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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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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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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'Expected profit' on Sharia savings accounts
Looking at a 1 year fixed-rate Sharia account (Al Rayan via Prosper, 4.56%) for a large lump sum deposit & just wanted to hear any Forumites experiences with Sharia 'expected profit'. Anyone had less profit at maturity than that advertised when account was opened? Or is it likely/possible to get more than the advertised…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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TR35
TR351 1/8% I-linked Gilt 20351.125%22-Sep-20359 years 282 days£95.96 £100.112 1.573% Could someone clarify with the above IL gilt, it would deliver CPI + 1.125% (compounded from inception, currently 1.573%), each year until 2035 ...and I don't need to concern myself with clean or dirty prices if I buy say £10K worth.…
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Nationwide 5.5% (FIXED) Member Bond
18 Month Fixed Rate of 5.5% on upto £10,000 Online: https://www.nationwide.co.uk/savings/member-exclusive-online-bond/ In Branch: https://www.nationwide.co.uk/savings/member-exclusive-branch-bond/
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Zopa Biscuits Transfers..
A bit of advice please , signed up to a Zopa account but a bit confused on how the bonus system works. Does £500 have to be transfered every month into the main account to get the bonus interest rates ? Could I setup a direct debit from my starling account into the zopa main account and then an automatic transfer into the…
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An alternative to flat rental - MIL income from property in trusr
My (wife's) father passed away last year. His will leaves is flat (that has been let out for the last 20+ years) to his three children with the provisio that whilst his wife is alive, the income from the flat rental (or any other form of return on his assets) is to provide for his wife. We placed the flat in trust and my…
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Silver and the US
I have been putting money on Silver on the LSE which is working out well but today I noticed that when the market opened at 8am it took a minute or two for the ticker to start updating and then suddenly it shot up quite a lot. I do not believe that the movement was natural as it was too sudden so I really don't think it…
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Tax Confusion
Hi, I received a letter last month from HMRC stating I owed £250 in tax from 2024 - 2025. This does work out to be correct from interest I have earned on savings. I paid it straight away to avoid a tax code change. However, HMRC have sent me another letter via a tax code change for the 2025 - 2026 tax year saying they are…
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Where to put end of employment payment settlement
Hi, I have just ended my employment with my now former company, and included in this was an agreed final settlement figure of £13,000. I have a few Cash ISA accounts, but I do not believe I have reached the threshold of inputting £20,000 into these for this year. I have Trading 212, Plum & Moneybox LISA, with the Plum app…
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Alternative to Hargreaves Lansdown
Does anyone know of a better alternativ to Hargreaves Lansdown for Stock & Shares ISA's, Cash ISA's and Savings accounts?
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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…
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Personal Finances
I have a current account, savings accounts, a work based pension plan, a private sip, a defined benefits pension, uk premium bonds, a credit card and an house. I wish there was a single application where I could monitor all of my finances anyone fancy getting together to build a new company to manage personal finances
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Transferring USD to GBP?
I received some RSUs from a previous employer a few years ago. Recently sold these so have just under $10k that I need to withdraw from E*trade and then want to transfer to any GBP account. I found some old threads on the Forum that suggested Wise or Revolut but as these threads were a few years old I wanted to check if…
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App to track all accounts and imvsstments?
Does anyone know an app that tracks all savings and investments? I need one that covers everything. In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few…
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Trading212 low cost Ftse Tracker
Looking for a world tracker on Trading212 I have a HSBC FTSE All World Index Class C - Accumulation (GBP) on Iweb but the £5 fees are can mount up over the year. , Can anyone recommend a similar low cost fund which I can purchase on trading212 which I can purchase within m S&S isa .. Thanks
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Kuflink IFISA - anyone doing it? Some doubts / clarity needed
I want to diversify and looking at kuflink They obviously have a very compelling article but don't seem to explain the details of the compounding / rolling interest when subbing to their deals www.kuflink.com/blog/if-isa-beginners-guide-to-earning-1m-interest-tax-free So my question is: - If I put X amount every year in a…
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Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
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Tax on interest
I am still getting my head round the change to my personal allowance code and the tax I am paying on my savings interest. I have added together all the interest that I earned in the tax year 24/25. I certainly go over the £1000 but it still is less than the £700 odd amount over that HMRC say. Most of my regular savers add…
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Leeds Building Society - problems logging in
Please, is anyone able to log in to Leeds Building Society? I have been unable to do so at all today. I've cleared my cookies, used two different browsers and also my phone. The process hangs up part way through. Thanks in advance for any information or suggestions.
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Atom app problem RESOLVED
Is anyone else having an issue with the Atom app today? When I try to log in it tells me there is a connection issue and that my device isn't connected to the internet. I've tried using both wifi and 5G and get the same message. The phone is actually connected, and every other app I've tried today works fine.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: PSA: Check your HMRC Tax Calculations if you have a Zopa Cash ISA by Gresteg
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