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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

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
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…
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 >
Gold sovereign purchase and first world problems
I've recently been handed an early inheritance in the form of a large wad of cash. Not a huge amount but more than is sensible to leave in the house. As I can't let my family and therefore my partner know (I love her, but she will tell someone) I was thinking of buying gold sovereigns as they're easier to hide and more…
Need advice on who to get advice from.......?
Not sure where to post this but it's loosely related to investments I guess, if it needs to be moved feel free to move it. My dad passed away a few years ago and passed his model car collection to my mum in his will, it's about to go through auction and we think it may reach £50k - £60k + which my mum is going to split 3…
Should I take cash out of my ISA or OIC account?
I have both S&S ISA and OEIC accounts. I've been transferring the maximum allowance from the OEIC to the ISA - already done this year's. I would like to withdraw some cash but am not sure which account to take it from. Until now I've transferred from the OEIC to the ISA but not taken any actual cash out of the OEIC…
Savingshub/Monedacapital
Hi Savers. While trying to find a decent interest rate now that they have been cut by the bank of England I came across Savings Hub which I signed up to but instead of being taken to a webpage with options, I was telephoned by an agent later the same day and then emailed a link where one of their accounts offered 4.75%…
Fixed term bonds for expats
I am a UK citizen living in France. I would like to invest in a fixed term bond but most banks require a permanent UK address. I would be grateful for any thoughts.
I have POA can I set up a savings account for husband
Hi, my husband has Alzheimer's and I have the POA. Am I able to set up a Savings Account and then an ISA in his name. I have accounts in my name but would like to put money into a tax free ISA
Chip investment bribe
I received this e-mail - "deposit £100 into any Chip investment fund and we’ll give you £30, either as a gift card of your choice or cash via PayPal if you’d prefer". I know nothing about investing, but don't mind risking £100 (if it's a low risk) for £30 bribe. Any advice?
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…
Is ChatGPT right about our economy?
Is it true 🥺 ?
Why do gilts mature at the weekend?
TG25 matures on 7 June, a Saturday. The corporate action notice issued by my platform reads "The 0.625% Treasury Gilt 2025 will be repaid at par on its maturity date of 9th June 2025." That presumably means I lose two days' interest. So why do gilts mature at the weekend... or have I answered my own question: so the…
What would you do?
Hello, I am on the cusp of turning 52. Had a few ups and downs financially and lost a lot of money for various reasons. Despite these setbacks I have a chance to turn this around. Working very hard and now making some good money. I am in the fortunate position of having minimal overheads so i survive on my yearly taxable…
The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
Value small cap
Does anyone know where i can get a value small cap etf? From what i can tell having 10% in small cap could have increased returns by around half a percent over the last 20 years whilst also reducing risk. PWL-WP-Felix-Factor-Investing-with-ETFs_08-2019-Final.pdf (pwlcapital.com) Page 20 ignore the allocation he is…
Property Investing vs ISA
Hello. I’m looking for some advice I have around £100k in a stocks and shares ISA, invested in a fund with an average return of 7%, and I have around £50k in other savings. I have no debt. I’ve been offered the opportunity to buy an investment property from a family member for £120k, which is below market value. It’s…
Cashing in investment bond held in flexible trust
Brother and sister are beneficiaries of an investment bond which is held in a flexible trust created 6 years ago. It is performing poorly and they are thinking of encashing the bond as there are no options to change the fund. Should they wait until the 7th anniversary for the bond to be outside of estate or does the…
Kent Reliance - Verification of Identity
Tried to open an easy access savings account. KR asked for a bank statement to verify my ID. Posted first class on Sat - an idea how long they take to do this? Haven't heard anything. Will they email?
Minimise tax / cost for Sharesave
Hi everyone, My wife has been putting £500 per month into her company ShareSave scheme for the last 3 years so has an option price of £18k coming up. The shares have currently appreciated and are worth about £27k. We'd like to sell the shares and get the money into our S&S Isas to get it diversified as the share price can…
Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
Lloyds Banking Group certificated holdings ,
recently my brother in law passed away, he didnt have a will so while sorting out his affairs we found that he and his late mother held some shares in Llyoyds Banking Group, following this we contacted Equiniti who confirmed they did hold some shares, we have so far managed to register my wife has next of kin and register…
Mysavershub
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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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