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Savings & investments

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

Financial advice....but non-specific!!
Hi all,Not sure which catagory to put this under as I need some advice. I would like to find someone who can look at my whole financial picture and advise me what to do! All the websites ask you to specify, investments/property etc but I need a one-stop person to look at eveything. Do they exist?! We have been offered…
Truelayer
I want to open a Tandem savings account, but you have to link your current account via a system called Truelayer or something similar. I'm nervous about putting my online banking password etc through this platform. Is it safe?
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%…
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…
Best short term interest
Hi, I've just inherited about £118k from the sale of my late father's house. I am using it as a deposit to buy my first home but it will be about 3-6 months until completion. While the money is just sitting in my bank, is it a good idea to put it in an instant savings account to grow a little? I'm with Monzo and have an…
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…
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rate tax payer and just over 20 years ago I took out a (non ISA) investment bond with Aviva and have not added to nor withdrawn funds from it.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…
charter savings bank
Does charter savings bank have cash flow issues, now that their savings rates are no longer top-dog? I have been waiting 3 days for funds to be transferred from a closed savings account. Customer service is overloaded.
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…
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).…
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 ??
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…
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…
lemonfool investing forum down?
Is the lemonfool investing forum down? I don't seem to have been able to access it for a number of days at least, and various website status sites seem to also suggest that it is currently down? I hope that the site hasn't closed down entirely as there is some useful investing discussion there. https://www.lemonfool.co.uk/
Nationwide 5.5% (FIXED) Member Bond
18 Month Fixed Rate of 5.5% on upto £10,000 Online: https://www.nationwide.co.uk/savings/member-exclusive-online-bond/ In Branch: https://www.nationwide.co.uk/savings/member-exclusive-branch-bond/
Payment for Royal Mail (IDS) Shares
Hi, Has anyone received payment for shares sold following submission of acceptance of offer before the takeover was finalised? if so when & what paperwork did you receive. Thanks
Premium Bond Higher Prize Winner?
It was asked recently if we could get an indication of those on the forum who've won one of the higher Premium Bond prizes. That being - Single prizes of £1,000 or higher. This poll won't provide any useful information relating to probability of winning bigger prizes. There is plenty of information on the other thread…
Equalisation for funds generating interest?
I have some funds in a GIA which I want to put into a money market fund (Royal London short term). The Inc. version pays interest twice a year. How is this treated for tax purposes? Is the first payment divided into taxable income for the period since purchase and non-taxable equalisation for the period before purchase,…
Trading212 keep telling me I've logged in from a new device
This is probably a bit of a tech question but I'm asking here as there'll probably be more readers with experience of Trading212 here I only access T212 on my desktop PC or my Android phone via their app but every time I do, I get an email saying Login From New Device. I've looked under Devices in the settings part of the…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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