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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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ii new price plan
I've had the email from ii about the new price plan i am currently on the £11.99 fee which will increase to £14.99 I have a joint trading account with my wife with 60k worth of shares nothing else and buy or sell on average once a month. I am wondering if it would be more beneficial to move to the core plan at £5.99 ?
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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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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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Tax on interest
I am still getting my head round the change to my personal allowance code and the tax I am paying on my savings interest. I have added together all the interest that I earned in the tax year 24/25. I certainly go over the £1000 but it still is less than the £700 odd amount over that HMRC say. Most of my regular savers add…
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Bad time to buy stock?
I have been moving money into stocks but realized that both the S&P500 and the FTSE100 are at an all time high which did not bother me at first since it is possible for them to still grow in one year's time. After checking the graphics historically I noticed that nearly the whole growth stems from 6 months of increases up…
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Interest on savings - can I just pay the tax upfront?
For the first time in my life I am looking at making over £1000 in interest on my savings in 2024-2025 (from 1-year fixed rate accounts I have recently opened). I am not looking for ways to avoid paying tax, but I absolutely dread having it taken from my salary via my tax code. Many reasons for this, not least being…
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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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Kuflink P2P - changing Ts & Cs
Anyone else here receive their new terms & conditions? Key points include them NOT using their own capital to cover any losses, & also something about them not taking on the first 5% of loans 🧐 Sounded to me like nothing positive for an investor, & as a consequence, we will be withdrawing our funds (not a significant sum,…
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Best way of funding the 4 yrs before State Pension
Does anyone have thoughts about the best way for me to fund the four years before my State Pension begins? I have £190k in cash savings and £79k in investments. ISA and pension allowances are filled up this year. I’m mortgage free, married, and have a very modest lifestyle. My only income is from the interest from these…
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Estimated Savings Interest for Current Tax Year
I received a shock when HMRC changed my tax code recently, saying I owe them almost £1000 in estimated interest on my savings for the current tax year and this means that I have to pay it over a three month period which will drastically reduce my income between January and March. I had not realised they could do this…
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Coventry First Home Regular Saver 'maturing'
I have had this account for almost 3 years and its 'maturing' mid December 2025. Received email from Coventry advising me of this and saying details of presumably options had been sent by letter. Have not received this letter yet to which they refer to despite being sent out 20th November. Anyone else received the…
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Kuflink IFISA - anyone doing it? Some doubts / clarity needed
I want to diversify and looking at kuflink They obviously have a very compelling article but don't seem to explain the details of the compounding / rolling interest when subbing to their deals www.kuflink.com/blog/if-isa-beginners-guide-to-earning-1m-interest-tax-free So my question is: - If I put X amount every year in a…
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Transferring USD to GBP?
I received some RSUs from a previous employer a few years ago. Recently sold these so have just under $10k that I need to withdraw from E*trade and then want to transfer to any GBP account. I found some old threads on the Forum that suggested Wise or Revolut but as these threads were a few years old I wanted to check if…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Paying tax on stock income
I have now made more than £3k from buying and selling stocks and am now thinking about how to pay tax on this. 1. I assume I would pay tax on this when I do a self assessment next year after the current tax year has ended. I don't need to buy tax right now. Is this right? 2. If I buy stocks now and make a loss, I can set…
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Putting Money Aside I Can't Touch
Hi everyone, I’m looking for some advice on saving habits and building a bit more self-discipline. Each month I round up my spending in my Chase account, which usually comes to around £100. The problem is…I end up withdrawing it every time. I also put some cash aside in a tin, but I usually dip into that every couple of…
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Where is Everyong Hiding Money?
I don't understand this. I've never really had enough cash in good bank accounts to have £1000 in interest but now HMRC have written to me to say they're going to tax me as I have gone over that threshold now. I would say my savings are modist but maybe I have more than I think. Most of my savings are in differnet accounts…
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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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Cashback for opening bank or investment accounts, including Cahoot
The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...
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BBSI Untaxed interest list query
Hi All, My requested list for 23-24 and 24-25 contains so many errors I really don't know where to start or who to approach first. I requested the list because I was shocked at the interest they claimed I earned 24-25 On looking at the list I'm finding yes they have estimated based on the previous tax year as expected, BUT…
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