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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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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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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Vida Savings
I see Vida Savings, established in Dec 24, are topping the fixed 1 yr bond rates just now. Anyone heard of them? Interested to hear your thoughts.
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Savings Platforms - Worth It?
Just spent the morning investigating savings platforms and noticed, on average, a significantly lower interest rate offered compared to saving directly with the bank/building society, ranging from 0.1% to 0.8%. Whilst I didn't check every single account offered by every savings platform (and some didn't show such details…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Freelancer. Where to put the money I save for my tax payments
Hi Everyone, I am looking for a sensible place to save the money I put aside for my tax payments. I am a freelancer earning about £1,900 NET per week - working about 40 weeks in the year. I normally put £1k aside each week I work or close to that. Anything left over after my tax bill I move to longer term savings eg. ISA.…
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"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
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Capital gains tax and state pension in self assessment.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Tax on income and savings
My salary takes me over the 40% tax bracket as I earn £51890 per annum. I do a salary sacrifice into a DC pension which is 10% of my salary and amounts to £5189 per annum. This makes my taxable salary £46701, i.e. 20% tax payer. My question is - am I a 20% tax payer with regards to interest on savings because of the above,…
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FSCS £85k limit rising
Read somewhere over the weekend that from 1st December the FSCS £85k protection is going up to £110k.
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40% tax bracket 1st timer
Hi Everyone I've recently had a job promotion and will end up paying into the 40% tax bracket. I'm struggling to understand what my take home would be in the months I go over. So I earn 60K with bonus included so I understand that its only about 10K that gets taxed 40%, normally take home 3200 so minus 40%= 1920. Would…
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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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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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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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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…
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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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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Raisin interest
I had a 3year savings account with Raisin which matured today, the interest has been paid out to my holding account yearly. What I can't understand is why each year the interest has been different. Year 1 £750, Year 2 £756 and Year 3 £747.95 The lump sum on day one was £15,000.
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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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low risk bonds or equities in SIPPs
Hi I am starting to derisk my SIPP from equities and rather than put in to cash within it I wondered about bonds or low risk equities (is there one i wonder?) - what are other people doing for this? I have cash in ISAs and premium bonds and also a managed equity Isa already. - thanks
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Can't seem to buy Vanguard Sterling Short Term MMF Income
EDIT I'm a numpty just looking again I forgot there was a slider to show funds that pay you an income 😂😂🤦♀️🤦♀️🤦♀️ I've got existing holdings in the Income version, but going to top up or buy more, I have to go through all the bonds & ETFs available and only the Acc version is now available - is this something othes have…
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Santander £100,000 prize draw - closes 30/11/2025
Hot on the heels on the Cahoot prize draw announced yesterday, now a draw for a single £100k prize from Santander. One lucky winner will have their turkey paid for this year. Full details:…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
