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Login problems with Cahoot
I have a Simple Saver account with Cahoot for a few months. Last week, I attempted to login to the account and it would not accept the password that I entered, the one that I normally use. Have always had problems logged in too as was always returned back to the login page every time I clicked on a link. After a few more…
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Investment of £40,000
Hi. We're looking at investing £40,000. Were both retired (60), living off our personal pensions and rental income from a property we own. We're looking to invest £40,000 over 4 years into a medium risk investment. Any advice would be greatly appreciated.
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Move my cash ISA into a s&s one
The lastest drop in interest rateshas meant my cash isa rate has dropped from 4.1 to 3.8%. Is moving it all into my moneybox s&s isa a sensible thing to do? I currently have £82k sitting in a cash ISA and 6k in a Moneybox s&s. I realise thats ridiculous and 2026 is the year for me to redress the balance, make my money work…
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Portfolio advice
Hi Just wanted to get some advice on my self managed portfolio which i have always kept quite simple. With the recent volatility and over priced USA stocks it has made me think about the allocation and if holding such a large amount in Ftse All share/S+P tracker is diversified enough. I have about 10-15k to put into…
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Need Help On Selling Canadian shares
I am a lifelong UK resident & a shareholder in
Great-West Lifeco having acquired my shares when they took over the UK life
assurance business of Canada Life (whose shares I had post-demutualisation). The shares are in certificated form and are listed on the Toronto stock exchange (TSX). I wish to sell my shares but I can…
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Withdrawal rules on notice accounts
I have a 95 day notice account that I planned to empty, so I calculated the interest into the future and scheduled the withdrawals but didn't factor in rate cuts so the final withdrawal will be short. if I make a deposit prior to the final withdrawal, will it allow the withdraw or does the deposit need to remain in their…
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West Brom experiences
I applied for the Triple Access Saver (Issue 1) 4.55% on 11-Nov, I got the email saying it’s in progress. finally got an sms on 20th saying it’s been approved and they would email me details of how to add cash. Eight days later, not heard anything checked all my junk folders etc. I know they have my email correctly.…
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DF Capital
I recently opened a 24 months bond with DF capital following comments on here about them being a good bank. I put in the maximum 120k which is protected by the FSCS. Everything went well but today I received this questionnaire, which I am asked to complete and return to them. It feels very invasive and I have never had to…
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Loanpad reduction of interest rates
From 05 January 2026 Classic / ISA Classic 4.90% Premium / ISA Premium 5.90% From 01 February 2026 Classic / ISA Classic 4.80% Premium / ISA Premium 5.80% I was expecting something like this from Loanpad following the recent BOE interest rate reduction. I suppose it keeps a reasonable premium over safe cash ISA rates. I…
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How long until an account (NS&I in this question) gets marked as dormant?
Looking at having an end of year spring clean & basically getting rid of any accounts I don't use. Streamlining the spreadsheet & management. Since Halifax chopped their rewards I have no use for the NS&I account. Since I help manage numerous family members accounts also that's 5 accounts in total. I was just about to…
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How can I get my nest egg to work a bit harder?
Seasons greetings everyone. Currently I'm in the process of financially preparing myself for a reasonably hefty inheritance tax bill. Who knows when the day will come, but one way or another on top of having the bereavement to deal with I'm looking down the barrel of well into a 6 figure IHT bill. I've spoken with various…
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Cahoot a/c upgrade
Apologies if this is old news and I'm late to the party but had my eye off my savings for a while, but my Simple Saver 12 months expired and saw for the first time the Account Upgrade option which basically keeps all the same account info be signs up again for another 12 months at the 4.40% AER. How simple and how useful…
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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…
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Mobile phone screen lock for Snoop Savings
A technical query regarding Snoop Savings on a mobile phone..... Should a mobile phone screen-lock PIN be used in addition to the Snoop PIN or is the Snoop PIN on its own (without a screen lock) sufficient security?
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Tax on stocks income
I am trying to understand the way income tax works with stocks. I read that the capital gains tax depends on the income tax band that you are in from your job. But what I am struggling to understand is whether income from shares can.. push you into another tax bracket? I looked this up online and the response was a…
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Can you help me understand my tax code?
Like many others I have received a tax code change relating to underpaid tax on interest. Can I check my understanding of how this works? 1. My tax code for 2025/26 starts the year assuming I will earn the same interest as the actual interest I earned in 2023/24 2. This time of year HMRC have received all of the…
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Spring Savings
Well looks like they are in the middle of a major mess up. On my tablet app this morning there were 6 notifications of transactions for small amounts coming in and out of accounts none of which mine (the last 4 digits of the account Number was quoted in each notification) all timed around 0530 this morning. Strange to…
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TSB Voucher and RS
Anybody opening a TSB account to get the £25 Amazon voucher, and then opening the RS?
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Interest reported to HMRC in wrong year
I've just found that Paragon and JN Bank have both reported interest to HMRC in 24/25 that isn't taxable until 26/27 (because its been added to a fixed term savings account). Consequently, that interest will be taxed in 24/25, which is going to cost me about £600 in incorrect tax. Not sure if all banks are the same, or its…
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Fixed Rate non-ISA Bonds, straddling 2 tax years: new 22 per cent tax rate on interest
I have noticed this. (I think). Does anyone have any comments? There have been several prior threads on this site, about when Interest Income should be reported to HMRC for tax purposes, when a Bond is, say, a 2- year Bond. And there is no access to any of it until Maturity. (Not even any option to take it with a Penalty…
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