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Santander Edge Saver
Hi all, I opened a Santander Edge Current Account (no direct debits to avoid paying the monthly fee) and the attached Edge Saver on 7th April. I was expecting my first interest payment yesterday but haven’t received it yet. The interest payment on my 5.2% Easy Saver arrived as normal. Before I contact them just thought I’d…
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Trouble opening Zopa account
Zopa won't let me open an account - because I already have one! Many years ago I had a Zopa account, finished with it, thought it was closed. Now I want to open an ISA with Zopa. Went to register for an account, Zopa said I appear to already have an account, please log in, if you don't remember the password click…
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Ferranti International Plc shares
I've recently come across a share certificate for 1000 ordinary shares in Ferranti International Plc which I purchased in 1990 and had totally forgotten about. According to Companies House Ferranti Int. Plc. ceased trading earlier this year but I believe there were one or more buy-outs in the intervening period. I moved…
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L&G Global Equity UCITS ETF LGGG
Was looking at this ETF as a potential Developed world tracker Its been around since 2018 and seems to be performing as well as other Developed world ETFs,low ocf at 0.1%, yet the fund size is less that 100millionAny ideas why the size of this fund is quite low?
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RCI bank not in MSE 2 year accounts
The RCI bank 2 year fixed savings account at 5.05% is not in the MSE top accounts list. Does anyone know if there is a reason for this. Also I note that there a quite a few threads from a few years ago where people were dissatisfied with the account opening procedures and communication. Is there anyone who has opened an…
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Early Transfer of Fixed Rate Cash ISAs. Sensible?
I've been reviewing my wife and I's cash ISAs and note that we have a few fixed-rate ISAs with low interest rates (eg, 1.2% and 2.1%). We are obviously locked into these for a while yet, but, given the number of cash ISAs with much better interest rates around at the moment, I am thinking about ending these early and…
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Selling Vanguard Funds on IWeb?
Would anyone know how selling Vanguard funds on IWeb works around when the sale is priced and when the funds are typically available to re-invest please? I've only ever purchased on IWeb and usually the purchase has been priced the day of putting in the purchase order (assuming done before that days valuation point).…
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Opting out of SERPS
I have recently looked at my pension forecast where it confirmed that I did indeed opt out of Serps. However, I have no idea where this pot is held. The company I worked for at the time went into liquidation and I don’t know what happened to the fund. Or indeed, where it was held. How do I trace where this pot is.
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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 EA 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 to ONLY…
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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What's the best thing to do with a large lump sum gift?
I want to put a large lump sum financial gift towards my next home but haven't found anything suitable yet. Where's the best place to put the money in the meantime?
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IFA fees
I was hoping to get my ISA stocks and shares, the proceeds from the sale of my properties reviewed and replan if necessary with the IFA ( financial planning and wealth management business) I had used. Unfortunately, it had been bought by Company X. I would like to know 1. What are the annual returns for low, medium and…
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Tax on interest (again!)
I know this subject has been done to death - but I still find it confusing. Assuming earnings are: 12570 tax free band 1000 PSA allowance 5000 Starting rate for savings So if I earned 18570, there is no tax to pay If I earnt one pound more, does the "Starting rate for savings" disappear...? 12570 tax free band 1 taxable…
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TSB Monthly Saver setup problem
I have a TSB Current Acc for a few months now and have been trying to open a Monthly Saver (£250 per month at 6%). Each time I try to sign up for the account I see the info below, NONE of which applies to me. I should be able to open the account. Never had one before. Anyone else had this problem? Customer Service sending…
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Santander Easy Access Limited Edition
The Key Document ofr this account states the annual interest at 5.20% AER/gross and the monthly interest rate at 5.08% AER/gross. Should the monthly not read 5.08% gross (5.20% AER)? Or have I misunderstood how AER works?
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Fund Suggestions for Junior ISA
Hi Everyone, Planning to open Junior ISA for son aged 13 with HL. Any suggestions on how to distribute £9k in few funds HSBC GIF Turkey Equity Class BC - Accumulation (GBP) Jupiter India Class X - Accumulation (GBP) Baillie Gifford American Class B - Accumulation (GBP) One from these two HSBC FTSE All World Index Class C -…
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Full transfer of current year subscription only ISA
Hi there, I have recently used an ISA to wrap work based shares coming out of a scheme. Once in the ISA I sold and withdrew a proportion that I needed personally. There is now a cash balance left in this ISA which I wish to transfer to a cheaper platform - this platform only accepts partial transfers from the current tax…
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Moneybox £50 cashback - Invite only
Just had email from Moneybox with offer of £50 cashback if open a S&S ISA or GIA and deposit £500 by 31 MayAs far as i understand its only people who receive email that qualify.I think its because i opened a Moneybox Cash ISA during March, https://www.moneyboxapp.com/50-cashback-incentive-faqs-and-tcs/?lid=i0ihu9mzegu4
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cash from isa immediate house purchase
I want to use 350k from existing stocks and shares iSA to buy a house immediately as I will get first choice from a new development.. Then sell my existing house (assuming 6 to 12 months to complete) and reinvest the 350k at 40k annually between us Can anyone calculate how much this will cost in terms of capital gains tax…