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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

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…
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
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 >
Assistance with UK-Based Savings Accounts (Non-Resident)
I am a British citizen living permanently in Portugal, and I currently hold savings accounts in the Isle of Man and Guernsey However, since IOM and Guernsey are classified as a blacklisted jurisdictions under Portugal’s IRS rules, interest earned is taxed at 35%, which I want to avoid. I have access to a UK address for…
How can 1 US company be worth more than the top 350 UK companies?
There are 3 US companies valued at over $3trillion each. Nvidia, Microsoft and Apple. The combined market cap of the top 350 UK companies is $3trillion. I don't really understand how that can be possible considering we're the 6th largest economy in the world by GDP. Considering the age of our country and the economic…
Online banks vs High Street brands (Easy access savings query)
Hi, My parents have money in NS&I easy access savings and the interest rate is 3.3%. The money needs to be easy access so it limits the options but I've been suggesting somewhere like Cahoot who are currently offering 4.55%. I've explained they could be getting another £2000 extra a year in interest but they don't trust…
Fully understanding the reasons for holding Acc or Inc units generally?
I think understand the reasons why people choose Acc or Inc units in tax efficient wrapped products and unwrapped products. I have decided to use more Inc units to drain a bit of value out of my equity units in a very unemotional way and avoid trying to time the market. I intend then just keeping the cash in MMFs and to…
How do you track your bank interest rates to make sure you're getting the best deal?
How do you track your bank interest rates to make sure you're getting the best deal? Mine are always changing up and down every month and i've got a couple of different accounts and ISAs and it makes it a pain in the !!!!!! to keep track of and then I never know whether it's worth changing or not so I get lazy in bothering…
Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%. The available SES has an interest rate of 6% including a 12 month bonus of 1.5%. To achieve another 12 months of 1.5%…
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
Natwest Digital Regular Saver matured - keep or open new?
Hi all, I've a Natwest Digital Regular saver that's been open for 12.5 months, not sure if it can continue to be earning the (currently) 5.5% interest rate, or if it closes/ downgrades to another form of account? Can I open another one? I just asked cora, and got nowhere so I called natwest and was very patient, however…
20 Year Old Investment Bond
I am a basic rate tax payer and just over 20 years ago I took out a (non ISA) investment bond with Aviva and have not added to nor withdrawn funds from it. My understanding is that the annual 5% non taxable withdrawal allowance rolls over and I could now withdraw the original sum invested in its entirety without incurring…
SVS Securities - shut down?
I tried to access my account this morning and it just times out (eventually). There are some rumours online that it shut down yesterday, but it's not exactly plastered all over the place, and I've never heard of the sites carrying the rumours (so no idea how reliable they are).…
Transfer Share Certs to IWeb
I want to xfer my LLOYDS BANKING GROUP PLC share certs to IWeb & then sell. I have IWEB & CREST xfer forms in front of me. Certs are for: LLOYDS TSB GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 10p Am I correct in thinking these will need 3 L entries on IWeb xfer form & 3 separate CREST…
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…
Finding an honest, reputable IFA
Hi All, I'm looking for some advice on my mortgages(Residential & BTL) and investments(Savings/ISA's/Shares etc) My pension was with SJP but after being with them a good few years found I would have been better leaving in my workplace pension. They also only offered advice(Bad at that!) on my pensions, not on any oter…
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…
Finance Advisory AG Trading Platform ?? SCAM ??
Hi, just new in here, but am familiar with MSE Does ANYONE have any info/experience with Finance Advisory AG who are an online Trading Platform pls ??
Raisin - anyone else had issues with delays in transfers?
Hi Closed a notice account with Raisin, termination date 8 Jan - no sign of the money the day after so called them. Advised at first that transfers take up to three working days to appear in the Raisin account, yet their own FAQ section on notice accounts states two. Call handler agreed that money should be in my account…
Dividend, which year tax paid?
I tried searching, but unable to find. I have some Vanguard LS100 income units in a GIA and it just paid out the divvy income 02JUN. The data I read says. 31MAR25 is record date. 01APR25 is EX-divvy date. 31MAY25 is payment date. *** Is the above divvy income to be reported in year 2024/25 or 2025/26 to the HMRC? Tks in…
Maximising Savings
Evening All, I am in the process of receiving some inheritance I am just wondering if I’m on the right lines with what I am doing with it. With what I have got so far I have maxed out ISA for this year and also premium bonds. Mindful of having over 85k in the account I have split into two others which had pretty good rates…
Savingshub/Monedacapital
Hi Savers. While trying to find a decent interest rate now that they have been cut by the bank of England I came across Savings Hub which I signed up to but instead of being taken to a webpage with options, I was telephoned by an agent later the same day and then emailed a link where one of their accounts offered 4.75%…
Trusted Banks with higher interest rates
Hey experts A newbee here, I have only accounts with Nationwide and lloyds looking for more options to open Savjngs account + ISA which offers better interest rate i understand most of the UK bank are protected upto £85K I like to hear which are the Banks people trust more I have tried to google but confused and as so many…

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MSE News

Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.
Tesco shopper? It's your last chance to use £15 million worth of Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as nearly £15 million-worth are due to run out on Saturday 31 May. Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account next month as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Misleading Child Trust Fund claims ads BANNED after MSE complaint – here's how to trace yours for free
Misleading Child Trust Fund (CTF) adverts that targeted young people on social media have been banned following a complaint by MoneySavingExpert.com. The Turner Lewis Ltd ads claimed savers had "nothing to lose" despite the firm charging possibly £100s for its services.
Last chance: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander – but you'll need to be quick as the offer ends on Friday 30 May. MoneySavingExpert.com founder Martin Lewis takes you through it.
Tesco shopper? You've just DAYS left to use £15 million worth of Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as nearly £15 million-worth are due to run out on Saturday 31 May. Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Martin Lewis: Are you one of 800,000 parents missing out on up to £2,000 a year towards childcare costs?
If you pay for childcare, whether just for the summer or all year round, watch this urgent video briefing on the help that's available.

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