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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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With tax on savings set to increase to 22% on 6th April 2027
Is it better to select monthly interest option if available rather than annual on any savings accounts that otherwise pay the interest next year? Then pay 20% on interest received this tax year and 22% next?
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SpaceX IPO
I am a UK citizen/passport holder and reside in the UK (for tax purposes). I do not have any other nationality. I wish to take part in SpaceX's upcoming IPO to the tune of in excess of £50k ideally using cash I already have prepared for the IPO currently held in a (UK online broker) stocks & shares ISA. I understand that…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
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Nationwide 5% 15 month Members Bond
Just seen this on Nationwide's website. 5% Members only 15 month fixed rate. Max £10k
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New to ii Platform
I have recently transferred from HL to ii, which saves me quite a lot in fees per year. Obviously changing from one platform to another is a bit frustrating as you try to get used to the new system. I remember changing from Windows to Mac and initially regretting it until I got used to the changes. However one of the…
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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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Trading 212 cash isa 2026/2027 question
I’m trying to decide whether to stay with Trading 212 Cash ISA for the 2026/27 tax year or switch to Plum for the higher interest rate and new customer bonus. A bit of context: • First time using a Cash ISA last tax year • Opened and paid into a Trading 212 Cash ISA • Got the first-time/new customer bonus there which was…
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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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NS&I to pay £367 million to bereaved families after failing to trace savings
Tens of thousands of bereaved families will be contacted by NS&I and told how to access their loved ones' cash. It comes after the state-owned savings provider initially failed to locate the accounts… Read the full story: NS&I to pay £367 million to bereaved families after failing to trace savings If you haven’t…
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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…
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%. The available SES has an interest rate of 6% including a 12 month bonus of 1.5%. To achieve another 12 months of 1.5%…
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2026/2027 trading 212 cash isa question
I’m trying to decide whether to stay with Trading 212 Cash ISA for the 2026/27 tax year or switch to Plum for the higher interest rate and new customer bonus. A bit of context: • First time using a Cash ISA last tax year • Opened and paid into a Trading 212 Cash ISA • Got the first-time/new customer bonus there which was…
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Impax Environmental Markets Investment Trust
I would welcome any thoughts on what action I should take on the proposed tendering of shares in Impax Environmental Markets IT in order to thwart a takeover by activist investor Saba. There appears to be a chance to profit from a NAV discount of around 7% by accepting the tender offer. Does it matter which way I vote?
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Fair Fund Notice - Barclays Bank
I'm in the UK, had Barclays ordinary shares a while back but sold them all, only had £500 worth. Pretty sure I bought them before 2019 so this might mean nothing to me. But got a card through the post the other day that appears to be relating to a class account being done in America. It states "This is an important notice…
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Savings Question
Hi All This is probably an easy one to answer but i am just looking for confirmation that i am correct. I opened a savings account in May this year (so falling in the April 26 - April 27 tax year). It is a fixed for 12 months savings account which matures in May 27 (interest paid annually) So am I right in thinking that…
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Child Investment Question -
hi Forum Quick question if anyone can advise: I bought Vanguard S&P500 etf with Trading 212 in my name so my new born can have some savings when they are older. What is the best way to get this now trasnfer in their name? or any ideas? I dont want an JISA as that locks it away until they are 18, i still want access incase.…
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Spring saver 4.3 AER
Hi all, I am looking at the account above and I see the max balance is 20k. I cant find anyway to contact them to ask, but I was wondering,.suppose you lodge 20k into the account and because interest is compounded - the balance goes over 20k at first month's payment. Is this permitted so the excess balance (which i assume…
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Cash money not being invested into my interactive invested sipp fund?
In my interactive investor sipp I have a monthly regular amount set to be invested into my fund which should have been invested on the 20th may which didn't happen and now says 17th June. The only change I made about was 2 weeks ago where I added a single extra one-off amount to be invested alongside my recurring monthly…
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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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How to request SA tax return
Can someone advise how I can request to go on SA. For y/e 2026 HMRC have overtaxed my pension (via emergency tax), I also need to inform them of a small capital gain (They don't know about this), and confirm interest received. (They overestimated/got this wrong). Logging onto gateway doesn't help (directs me to form SA55…
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