-
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
-
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…
-
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 >
-
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…
-
Doom scrolling and the next financial crash!
I've been reading and watching many pundits who are warning about the levels if debt, particularly in AI, that have cause the markets to grow in the last couple of years. I normally ignore such Cassandras, but this time I find myself agreeing with many of their arguments. It seems like a pretty big bubble and anyone in a…
-
Struggling to open an NS&I Guaranteed Income Bond
I've posted some content in another thread about this but I'm getting frustrated. All I want to do is open an NS&I Guaranteed Income Bond, but I keep falling at the hurdles. I was hoping to do a bank transfer to NS&I but, for some reason, this isn't allowed. They only allow debit card transactions. To make sure my bank…
-
Kent Reliance accounts going online
An elderly relative has a couple of savings accounts with Kent Reliance. KR are moving these to online management only. She doesn’t feel happy about online banking so has asked me to manage them for her. I have power of attorney although have never needed to use it before. She’s perfectly sound of mind; just doesn’t want…
-
yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
-
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…
-
Skipton new app
Skipton have published a new app which I was notified of when logging-in on the old app this morning, it's called "SBS by invite" on the App Store, and seems simple enough to set up and start using, one improvement I can see is the ability to view closed accounts… Shame I only have their easy access with a £1 balance in…
-
Trust money to bank.
Hi My grandchild has a bare trust containing SMT . They will be 18 in a few months. Im trustee. Ive already been selling and removing some of it over the last few years into their cash isa . No room in the isas for this year now, but I sold about a10k part of t of SMT last Fri as I felt suddenly uneasy it would drop a lot…
-
Joint account for 3
Recommendations for an easy access savings account for three members of same family? All to be able to operate the account individually ie. without requiring three signatures?
-
Gilts vs Savings
Hi all, I was using MSE Gilt Calculator yesterday and I am struggling to follow the comparison to the savings accounts. Let's use the attached example: This Gilt would earn £22.31 return on an investment of £4980 over 45 days (7 Sep till 22 Oct). 1. Take the first 'if you pay no tax on savings': 5.51% of £4980 over 45 days…
-
Vanguard FTSE Global All Cap in ISA switch to ETF version?
Hello, I'm invested in the OEIC fund on Vanguard Investor. Has anyone just gone all out and swapped their entire holding for the ETF version yet? I mean all at once, rather than drip feeding large chunks "incase there is a large shift due to world events"? I'm aware pound cost averaging will cost £7.50 a purchase, but this…
-
Children inherited money
Hi, My children (16 and 12) have inherited around £8500 each from their grandpaents. The both currently have several Halifax savings accounts and I am looking for recommendations of what to do with this inheritance. Put it all in stock and shares isas? or split it between a S&S ISA and cash ISA? Or split it 3 ways between…
-
My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
-
Cahoot Instant Access Savings interest potential issue
My Cahoot instant access account pays interest Monthly. I recently "upgraded" the account as they were going to drop the interest rate. Without going into details (though if you'd like me to I'm happy to do so) The amount I'm getting has dropped substantially. Balance has remained roughly the same and the interest rate is…
-
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…
-
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…
-
Hitting the high rate tax bracket + Ripple Energy/Ethex
I have to submit a personal tax return and my income is through £12.5k salary and the rest in around £37.5k in dividends from my own Ltd company. Last FY, I declared, for the first time some savings interest of £685. I was surprised to be hit with a 33.75% tax charge as this had apparently taken my income above the basic…
-
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?
-
Found an Old Share Certificate for US company
I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks
-
Abbey Wealth - whats happenjng
I have been with Abbey Wealth for a while now and getting no luck contacting them or getting hold of my advisor. Anyone else having any issues?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
