Savings & investments

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

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…

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 >

Previously there has been a couple of threads discussing whether it was a good idea to carry all your personal finance info ( pensions, savings etc ) around on your phone, especially if the sums involved were significant. One scenario mentioned was being forced to open apps etc due to the threat of violence. A very…

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…

Hello group, I am after some advice, I currently have a 2nd property that is lying empty and i have 2 different thoughts about what to do with it. Firstly is to rent the property out and create a passive income for the foreseeable future, However I am worried about the people that I get into the property and any damage…

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…

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…

Skipton have published a new app which I was notified of when logging-in on the old app this morning, it's called "SBS by invite" on the App Store, and seems simple enough to set up and start using, one improvement I can see is the ability to view closed accounts… Shame I only have their easy access with a £1 balance in…

The price for Vanguard FTSE Global All Cap Index Fund (VAFTGAG) fell 0.73% yesterday to 294.70 with an "As at date 15 Oct 2026". Normally I would expect the price to move in line with US markets given that over 60% is invested in US stocks but yesterday the S&P500 closed up 0.33%. Any explanation why this might be?…

The above account has now reduced in interest, can i close it and open another, if so then how as i don't see any option to close it on the website.

Lloyds has launched an Online Fixed Bond which pays you the 4% interest upfront. https://www.lloydsbank.com/savings/upfront-interest-online-fixed-bond.html

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…

I signed up for the Etoro £75 free shares offer using the MSE link, reached a page with a Claim your free shares link and created my account. Funded my account with the required £200.00. But no evidence of any choice of any free shares or any free shares at all. The Chatbot advises that the £75 of free shares will only be…

I'm a cautious investor and have been with the same Financial Advisor for four years. He gets £1000 a year from me but my money is invested in 2 Funds so he does nothing for his money. Last year I arranged a meeting with him following a significant change in circumstances and sought advice from him. However a week later I…

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…

I have just had a I yr fixed bond that has come to an end and on maturity it was transferred to a new Bond Issue 92 paying 4.82%. Is it worth me cancelling this Bond and moving it into Issue 93 paying 4.99% as it is within the 30days?

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…

Just tried to open a new savings account with Cynergy Bank and got a email saying To complete your application we need you to provide the following documents which should be sent to the address below within eight calendar days (from the date of this email): Is this now the norm to open an account??????? To complete your…

I have £90k in easy access account paying 4.5%, want to utilize it better, been thinking of either: Buy to let, purchase one bed flat for around £250k; £90k deposit borrow the rest. This will keep me busy as have free time. Net rent app 5% taxable at 40% plus tenant's headaches and compliances. Plus point is property…

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…

SIX YEARS AGO MOTHER DIED, FATHER DIED PREVIOUSLY TO HER AND THEIR JOINT I.T. ALLOWANCE IS £625K. THE ASSETS CAME TO MUCH LESS THAN THIS SO NO INHERITANCE TAX TO PAY. BECAUSE OF OBSTRUCTIONS FROM THE OTHER EXECUTOR THE SHARES HAVE ONLY JUST BEEN SOLD BUT PROCEEDS STILL COME TO BELOW THE ALLOWANCE. DO THE SHARE PROCEEDS…

I've been with HL for many years and have had little to complain about until now. I use the app and have been logging using my fingerprint for nearly all that time. Then on the 24th Sept it stopped accepting my biometrics and I cannot turn if back on via the app or website. I have phoned twice and emailed their tech…