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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 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 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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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 MSE 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…
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MOVING STOCKS & SHARES PROVIDER
Hello, I have had a SS ISA with H&L for many years, some shares with Carnival (used to do a few cruises) also Royal Mail (which I just see have been sold. Probably my fault because I rarely check my emails). I also invested £100 recently in iShares physical Gold (self managed) I am looking to put them all into one (I also…
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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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Top slicing relief on Investment bond
Can anyone advise on the tax due on a £60k chargeable event gain from an international investment bond (tax not paid) that's been held for 22 full years. No other income in the tax year. I understood that starting rate for savings and personal savings allowance are recalculated based on the sliced gain so should still be…
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Best way to maximise interest on £10k savings
Hi, I have £10,000 that I'm happy to lock away for 2 years but I don't know which type of account is the best way to do this. I am a higher rate tax payer so need to be careful not to go over the threshold of £500 interest. I know some pay interest annually and some pay on maturity so this is vital not to go over. I won't…
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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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impact of savings interest on student loan
Hi in very fortunate position that due to an inheritance have earned about £3k of savings interest last year (not in an ISA) But am i right in saying this will be counted as unearned income for student loan purposes ? Do i have to do a self assessment or will this automatically be covered through my student loan deductions…
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UBL UK bank
Anyone got an account with this bank and can comment on your experience? They are in the top 12 months fixed rate savings account on the savings section.
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are: * Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Euro Savings Account
Does anyone have any knowledge of €uro accounts that actually pay any interest, any as in more than 1%. I opened one sometime ago with Lloyds International the original interest being 2.65% it has since plummeted to 0.25% hardly worth it. Makes me wonder whether it might make more sense to transfer into £ pay whatever…
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Santander Edge 6.00% Saver
I have just received a secure message in my Santander online and app as follows. The interest rate on your Santander Edge Saver will go down to 3.50% AER /3.45% gross (variable) after the first 12 months on 5 January 2026. I know that the underlying rate of 4.00% is variable and that the bonus rate lasts for 12 months.…
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best place to put £100 per month
My son pays rent of £100 per month to me as he now works. I;d like to put this into a savings account for him but without his knowledge so that it can help with a deposit when he moves out. Where would be the best place for me to put the money?
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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Money Market Fund (MMF) type ETFs - CSH2, XSTR and now GBPO & GONS
There appears to be a couple of new accumulating SONIA tracking ETFs launched in the last year from UBS and Invesco according to JustETF. UBS GBP Overnight Rate SF UCITS ETF GBP acc, IE000WNEYKM1, GBPO, TER 0.05% Invesco GBP Overnight Return Swap UCITS ETF Acc, IE0006N7AK90, GONS, TER 0.1% In common with CSH2 they appear…
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My Community Bank savings question
My Community Bank savings account has recently matured and its automatically transferred to a Castle Community Bank account. I am trying to withdraw the money from this new account as the interest rate is much lower, but for the life of me I can’t find a way to withdraw my money! There are no options. I’m being thick but…
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letter from unknown wealth manager
Not sure if I can share names, so haven't … I have today received a letter from a wealth manager regarding their change in ownership. I have no idea who these people are. I'm assuming it's related to a stocks and shares ISA opened a long time ago. I thought I had previously removed a fee earning agent from this ISA.…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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Royal Mail Shares
Has anyone been paid out for their Royal Mail Shares ? I didn't reply to the initial communication as I couldn't find my share certificates. It did say that a reply was not essential. I received a form to claim 'my payout', as a 'dissenter' some time later. I could not locate all certificates, but again, it said this was…
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General Investment account - Do I NEED to use the full CGT allowance?
I'm due to be inheriting some money soon and I have been researching GIAs, as the ISA and SIPP will have already been filled to the maximum allowed for the current tax year. I have found that to utilise my full CGT tax-free allowance, I would have to sell £39,000 worth of shares to realise a gain of £3,000 for the…
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Frightened of Unusual Banks recommended on mse? Are they safe?
Good Morning I look at mse best buys regularly. I want a 5 year fixed rate and hampshire trust bank comes up on the site. I know it is fscs authorised. However in the past, i opened up a Marcus account, but half way through found myself terrified and didnt end up funding it, in case it was not ‘the real Marcus’, or incase…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.5K discussions
163.2K comments
Most recent: Moneybox pushed me over my ISA limit for the year by glennevis
17 February at 11:11PM
