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Savings Account in Joint Names
Hi, I have a joint savings account with my wife. I am a 20% taxpayer with all income from pension drawdown. My wife is a non-taxpayer, and drawdowns £12k per year from her SIPP. I am trying to understand how this works with HMRC as I believe that I can receive up to a £1000 per year in savings interest tax free. My wife as…
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ISA confusion with Tembo
I have an easy access ISA with Tembo that I invested £20,000 into last financial year. I now want to transfer it to another provider, Barclays. Interest of £838 has accrued over the year. I'm not sure what I should do next and Tembo aren't being very helpful. I asked them for instructions on how to withdraw the interest…
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Manchester Building Society
This company came up on a site as having a decent interest rate for a fixed ISA. I've never heard of them and I'm from Manchester. Has anyone ever used the company?
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Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
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Oil prices & likely inflation - should fixed rates be avoided?
Just wondering about this. Seems likely that the inflation will rise more than expected this year due to the oil/Iran situation. Just wondering if fixing an ISA at say 4.5% may turn out to be a bad move? What are people's thoughts?
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Bit of help would be great.
Hello, I’m 40 years old and would like some advice on whether I’m doing things right or wrong. I have a mortgage and a workplace pension, which I currently contribute 7% to, with my employer contributing up to 5%. I’m planning to increase my contribution to 10%. I also have £18,000 in a Prosper ISA and no other debt apart…
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Help? ISA transfer out from UBL UK
Hi. I'm asking here as I can't find this info anywhere else and UBL take 3 business days to reply to my question. I have a ISA with UBL on fixed rate until 7th April. I'm completing the form with another provider to transfer my UBL ISA to them after 7th April. I need to complete the sort code and account number of the UBL…
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VLS60 Income distribution
As this fund went went ex-div yesterday does anyone know what the distribution amount is please? I find it very hard to find this detail. Many thanks
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Savings accounts for RTM sinking fund
I am a director of a Right To Manage leasehold company for a block of 20 residential flats running for well over 10 years now. Over those years we have built up our sinking fund and now want to invest some of that money...any advice where and how we can invest it? It seems it has to be invested in a linked trust account.
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Regular savers or ISA
I'm getting fed up of exceeding my savings interest allowance. I earned £1432 in interest this last year due to instant savings account (for misc. spending e.g. holidays, un planned large items spending.) and 8 regular savings accounts. OK it's just £86 of interest but it's annoying having to pay that in arrears. So, just…
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Aldermore bank to be sold
Aldermore are often mentioned on here as a savings provider ( and I have some money with them),but their owners are selling them due to problems in the motor finance area. Any savings are covered by FSCS £120K, but I was wondering what the implications might be for the future. If they are lending/financing less activities,…
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Trading212 - New Customer Deals
Hello! Based on the deals listed in the MSE newsletter I'm considering getting a Trading212 account. However, I'm not sure if I can make use of each deal. One option is to open an Easy Access ISA that provides a bonus % rate for new customers. The other deal is an Investment ISA account that provides £50 bonus into a…
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Is anyone else having trouble transferring money to Vanguard?
I am trying to transfer money to Vanguard with my Debit card (their preferred method, always worked okay previously). With Chrome it fails straightaway, with Edge it hangs forever. I tried asking my my bank and they saw nothing as I tried the transaction so it does seem the transaction is at Vanguard's end. The advice from…
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Moving Shares from GIA to S&S ISA
Hi all – I have shares in an old employer, which were bought on a monthly basis through an Employee share scheme. Often my purchase was fractional share amounts. I was in the scheme for a good number of years and as part of the scheme received “Matching Shares” which have all had their minimum holding time. These shares…
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Nationwide fair share classed as interest
I was just preparing to do my tax return and gathering up info on interest paid and noticed that nationwide class their fairer shares payments as interest in the flex account. Was i the only one not to know this?
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Open a savings account with PoA
Mother in law has gone into a care home so she needs to sell her house to pay the fees. She currently has funds to keep her funded for 12 months, everything is in Lloyds Bank - club Lloyds current account, 'high interest' account paying circa 1.5%, and a Cash ISA If/When the house sells, is there a better place to put the…
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I see little point of having REITS if I already invest in global index
Rookie investor here so bear with me. When it comes to investing I prefer to keep things simple and passive. What chance have I got of beating the market if even the odds are against the "professionals" beating the market? For my equities I investing in the Vanguard FTSE Global All Cap. Equities make up the majority of my…
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First Direct Regular Saver
Can anyone tell me how long it takes to transfer the first payment into the First Direct Regular Saver? I have one about to mature and vaguely recall it took five working days from the date I applied for the account until I could transfer my first payment (or, at least, until the first payment updated in the account.) I…
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17 year oil’s savings account
I set up a child’s account in their name with Halifax. When she turned 16 it was moved to regular savings account. Will it be taxed? I can still see it on my online backing, as I can see their younger sibling’s child account. Halifax should know her age. I’d hate for her to lose money if I could have avoided it.
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trading 212 withdrawel under review.
doing some transfers out of my trade212 gia so i can fund this years isa. a couple of withdrawels under acouple of thousand each show as pending. But a withdrawel for about £12k is showing as under review. Should i be concerned about this? i understand it can take 3 days to arrive in my bank account.
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