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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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Cheapest Platform to Buy Gilt
Looking into putting money into a gilt, and want to ensure I am using the most cost efficient platform. What is the cheapest platform to buy a gilt? Is there a platform with a sign up incentive? Does it depend on how much you are putting in? Does it depend on what Gilt you are selecting? If it helps, I will be going for a…
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Can I pay tax on interest direct to HMRC?
I inherited some money after my Mum passed away this year and after maxing out ISA and premium bonds etc I have still earned around £5000 in interest (I'm very fortunate). I work 32 hrs a week so the tax will be taken through my tax code and from my wages. I would much rather just pay the tax owed direct to HMRC and get it…
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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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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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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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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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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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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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Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshire Chorley Darlington Dudley…
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Accumulating vs dividend-paying ETF
I've recently signed up for Interactive Brokers, and am trying to figure out a sensible default for the majority of my income. I basically want a cheap ETF that tracks the global economy, and one of the best options I've found is VT, a dividend-paying ETF for the Vanguard Total World Stock ETF, with an 'expense ratio' of…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
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…
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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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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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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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Trading 212 FX fee of 0.15 on LSE GBP
Hi all,Trading 212 has a FX fee of 0.15 on LSE GBP, heard on some forum thread before that if buying on LSE London Stock exchange in the Great British Pound that they were no FX fees Is it typical for FX fees on LSE GBP tranactions on the new challenger platforms/apps?
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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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Stock markets are too high and set to fall?
Unusual intervention/comment - why?
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18 year old saving/buying property
Edit... I think my post has been misread around my daughter buying somewhere. That's a maybe but if it DOES happen what I want to understand is the best places for her to put her savings in that she MIGHT want to access before a year is up! Thanks Good morning all. My DD is 18 in June, she will be able to access approx…
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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.…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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166.9K comments
Most recent: Santander Fixed ISA eVoucher offer by trickydicky14
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