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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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IFA
my IFA (who is also my son) decided that he no longer wants anything to do with me, do not know why, but in September 2025 he stopped managing my portfolio, which is with Quilter, he did not inform me that he was going to do this, and I only found out this week, when I realised that there wa no advisor fees coming out. i…
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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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Tax on savings interest - higher rate tax payer
Hi I've been using regular savers the last couple of years (along with ISAs), but now I've crossed the tax threshold and I'm a higher tax rate payer I'm wondering if this is still the best approach. What I'm not sure about is if pension contributions can be used to reduce tax on savings interest in the same way as with…
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Is there a Catch to Trading 212 for Stocks and Shares ISAs
Hi, I currently have stocks and shares ISA with Scottish Widow, some in part from old single company PEPs and do not trade but keep what I have but they seem to charge me £5 per reinvestment of dividends so if there is only say £10 half goes in fees. Trading 212 have told me there is no charge for reinvesting dividends…
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How much cash for house emergency?
I keep most of my cash in various investments for long term and pension and to guard against inflation. A friend had an electrical fault recently which led to him needing a full house rewire. He is having to pay around 7k including decorating etc and of course home insurance does not cover this from what I understand. I am…
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First Active
Knowing First Active is part of NatWest Group is a good reason not to touch it. I have had many problems with every NatWest Group account I have ever opened - such as not getting the interest rate that was advertised, not being able to close an account without jumping through endless hoops, etc.
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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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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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Spring Accelerate 5% instant saver
Hi All Looking around and found spring Accelerate saver @ 5% for up to 5k Just looking for any thoughts from any one who's using Spring bank , hit or miss Thanks Steve
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How to work out "next available valuation point"
Good morning, Looking to bed and ISA and minimise time out of market. I've already got the cash in my S&S so can execute the trades at the same time. However, I'm selling a fund (VAATTT) with Scottish Widows and buying ETF (FWRG) with T212. So I'm looking for valuation points for VAATTT; I'm guessing it's at the end of…
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RCI maturity options
I have 2 fixed-rate bonds that will mature in the coming weeks. The first is a NS&I guaranteed income bond (approx £12k) that matures next week. I also have a 2 year RCI bond (approx £10k) that will mature at the end of November. One of these I will reinvest into another fix, but the other I will put into easy access or a…
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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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Santander Edge Saver ended
I am looking to open another Santander Edge Saver account, please can someone remind me how to do this so I can open another ? I think the last time I did it was via the phone and wait for the account to be closed and reapplied?? Is this the way to do it or quicker to do it via chat bot, please?
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Etoro free £100 shares
Just a heads up Just opened Etoro via mse link to claim £100 free shares if you deposit £200 I added Initial small payment to check it worked ok Then sent second payment to make up to £200 However it appears that only the first payment is accepted so needs to be £200 to qualify for free shares Therefore I have just wasted…
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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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Is it really this easy to create rich children (or at least very well off)??
Say I'm 30 years old. and I have lived my 20's and I'm not broke and have no debt. So say now I have a child - the minute this child has a birth certificate I make a stocks and shares JISA for the sprog. Now a JISA limit is £9000 per year ( £750 p/m) £750 per month in the stock market returning 7% is is £320K after 18…
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What to do with inherited money for a 16 year old?
We are having trouble sorting out what to do with money inherited from a grandparent by a 16 year old. The money is purely cash as willed to be shared by grandkids, no other stipulations. The executor has the money with a solicitor as there was a house sale etc. We don't know exactly how much it it, which doesn't help. It…
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Investing SAAS Loan into S&P 500
Hello Everybody, I'm currently a second year uni student graduating 2029 and just wanted to get some advice from other people. I'm living at home and will be able to for the remainder of uni and only paying a small amount of dig money. I have a part time job that covers this just fine. The Plan: I was planning on taking…
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How many regular savers do you have? - The League Table
Welcome to this thread. This thread is intended to run alongside and complement the existing Top Regular Savers Discussion Thread and the Archived History Of Regular Savers Thread *** NO CHAT*** threads as a successor to the previous Being nosey... How many Regular Saver accounts do you have? thread. The central feature of…
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Tembo homesaver account
MSE states you must keep the account open for one year to get the bonus, what it doesn’t say is that you must also apply for a mortgage within that year to get the bonus.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
