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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 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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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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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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Nest as well as S.I.P.P
Hi I am paying into nest via work to the max my employer will add (4/5%) I am able to make extra AVC payments However, with nest I think they take 1.8% straight away as a fee Is it possible to open a new SIPP somewhere else and add to that, and still get tax relief on top of any AVCs?
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S&S ISA newbie
Hi. I want to put £30k in a S&S ISA. It is currently in 2 Santander FRISAs totalling £40k which mature on 1 May. Ideally, I'd like to use Santander's managed S&S ISAs. I'm not confident re DIY investing. MSE says it's cheaper to use a platform such as CSD than a bank. Can anyone give me an approximate idea of annual fees…
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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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Bare Trust Investment Account - For Minor's Own Assets
My child is beneficiary of an IIP trust settled by my late father. From this trust my child receives mandated income and, if income is sufficient, pays tax. The income is his absolute property. The primary intent of the IIP trust was to generate income to contribute towards education; initially building up a surplus which…
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123 Account to which easy access?
I briefly mentioned this in another thread. Currently have 28k in a 123 account. Fully aware that 8k is being wasted with no interest, and what with the monthly fee rising to £5 it's time to get it sorted. I've looked into various options and have decided that Chase is probably the best way to go (Initially for the first…
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Santander Easy Access Saver Limited Edition (Issue 3)
Just had this email about my Easy Access Saver Limited Edition (Issue 3) We're increasing the term of your Easy Access Saver Limited Edition (Issue 3) by an extra 10 months. From 1 October 2024 you'll also get a new interest rate of 4.00% AER/3.93% gross (variable).
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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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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Paragon Bank - Possible Interest Rate Reductions Without Notice
Just seen this banner below on their website. 'With ongoing volatility in market rates, we may need to make changes to our savings products. This could include some products being withdrawn, temporarily restricted or rates adjustments, without notice.'
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Clarity over tax on savings
Would someone be able to confirm something for me as I think I am misreading this. As a regular rate tax payer it says I can earn £1000 in interest per year before it is taxed. So if I have money in a savings account and I earn £800 in interest and in my ISA £600 interest per annum does that mean I have £1400 interest and…
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Where to put £10k
Hi I have maxed out my ISAs and have £10k left to spare. It's in a savings account earning 4.2% interest. Is there anything I can do with it to boost it more? I'm aware I can earn £1000 interest a year without paying tax so I was wondering if there was a better way? I have no idea about stocks and shares though. Thanks
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Inherited investment fund help.
HI In 2004 I inherited a investment fund namely a FTSE All-Share Tracker 2 Acc managed now by Columbia Threadneedle i believe. Since inheriting this fund I have done nothing with it, just let it sit, I've noticed that it has grown a bit in 2026 and wondering what I should do with it. 1. Do I sell up/ cash in and close the…
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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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Gilt Ladder Builder site question
Looking at the https://lategenxer.streamlit.app/Gilt_Ladder for ILGs, it seems that some of the gilts (e.g. T33 and T28) are greyed out. Any idea what this means? There seems to be trades ongoing each day. I wish to purchase some T33, but not sure if they are actually available or not?
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Shawbrook Bank - how do they get away with it?
I had a 1 year ISA, maturing on 10th April 2026. In March they asked me what I wanted to do with the funds. As they didn't have any decent rates I informed them, with 30 days notice, that I would be transferring all of the funds out of the ISA on maturity. The ISA transfer was pending for 30 days. I would have thought a…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
165.8K comments
Most recent: ISA opened before end of 25/26 tax year but transfer in, deposit showing as 7/4/26. used up 26/27? by masonic
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