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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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Premium Bond Winner ?
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…
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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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What to do when a RS matures
Hi, complete newbie here so apologies in advance if this is a dumb question. I have now opened 3 regular savers. One is with Principality and only lasts 6 months. What do people tend to do with this one at the end of the 6 months? Is there some sort of special process for moving to a new 6 month RS with them? Is there…
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Stock markets are too high and set to fall?
Unusual intervention/comment - why?
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ZOPA Cash ISA Transfer out
I have been experiencing issues over the past number of days in attempting a transfer of my ZOPA Cash ISA to Moneybox Cash ISA. To date I have attempted four times a transfer with each one failing. I contacted ZOPA who after an hour of messaging they repeated that the transfer was a Partial transfer which they do not…
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18 year old saving/buying property
Good morning all. My DD is 18 in June, she will be able to access approx £24000 from savings that are currently locked in a gov funded account. I'm looking at LISA options as she wants to use this for a deposit on a flat when she goes to uni but will pay for halls in her first year. If she wants to buy something in time…
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NS&I Index-Linked certificates - changing terms?
Sorry for silly question, but is there any downsides to changing the term from 5 years down to 3 years at maturity? I see the both pay CPI + 0.01% so the reward is the same, so earnings should be comparable year on year? Or have I missed something? I assume a 3 year term is probably a better bet as not locked in? Also,…
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What age to move from investments to cash savings
My understanding is that investments in stocks and shares are for the long term due to short term ups and downs but over time will give a better return. Whereas savings have a lower return but you can't loose your money. At what age does long term investments become less prudent in relation to life expectancy and the need…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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Tesco Internet Savings Account
I opened A Tesco Internet Savings Account in June 2025. I deposited £43,000, interest rate of 4.01% for the first year. My balance at 31.03.26 is £43,384. How is this interst being calculated?
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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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MSE News: Premium Bonds prize rate to rise to 3.8%
https://www.moneysavingexpert.com/news/2026/05/premium-bonds-prize-rate-rise-july/
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Bond Fund
I'm considering the Mann Global Investment Grade Bond fund, managed by the highly regarded Jonathan Golam. It's a USD 5.6 bill fund containing 340 bonds that are a mix of government and corporates, the average duration is 5.6, the SD is 4.4 and the MS risk level is 33 - the yield to maturity is 6.7. These are short and…
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Financial Plans
Hi, I will be turning 18 soon enough and I want some specific advice over my current plan. I am not an expert and still learning the ropes do any help is appreciated. So far I will convert my bank account, redeem my child trust fund into it and transfer other savings my parents have managed into it. Open bank savings…
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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Any advice on which investment app to choose?
Hello all Over the last few months I’ve been doing lots of reading about investing to try and get a basic understanding of things. I’m now at a point where I’m about to open a Stocks & Shares ISA and start investing some money. Having looked at the websites of various investment apps I’ve narrowed it down to Vanguard,…
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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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Savings v investments - what’s a good proportion of each?
Obviously this will vary hugely according to age, situation, plans, health etc. But all things being equal, what do you regard as a healthy proportion of your assets being held in savings versus investments. For discussion’s sake, let’s assume no debts or mortgage, and an emergency fund in place already. In my own case, I…
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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