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High Yield Savings Rate Comparison Tool Table List
This link will always be the same, linking to the latest version What started as a simple list got way out of hand very quickly. 2 days later and lots of coffee and the first instance was live. It's a table comparing the best savings rates available with built in calculators (if you get the excel version). Especially…
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ISA v Savings
Hello all, I have an ISA with 20K in it and the year bonus is ending and the new rate is pants. I was looking at moving it and the best transfer rate I can get is 3.6% (so yearly interest is £720). I can open a new savings account at a rate of 4.5% which will generate £900 interest. When I pay tax on that I will be left…
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CSH2 and new ISA Rules on MMF's
So with the new ISA rules coming in next April and the stipulation that savers cannot have all their investments in MMF's if they want to avoid the taxman, I just wanted to double check that CSH2, being an ETF, is definitely not considered to be a form of MMF under the new rules, given it tracks the SONIA rate etc...
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Anyone else have issues with NS&I BROWSER login?
I suppose it wont be an issue after this month when the Halifax £5 stops but I'll ask anyway. Often when I go to log in to do the £500 transaction I put in my details - customer number, password, name, hit login, it goes to authenticate and then i takes me back to the login page so that i have to enter all the info I've…
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Savings- ISA?
Hey all, I'm looking for some advice about opening some savings accounts. I have a chunk in premium bonds, but I'm not impressed with how much winnings I'm getting and would like to move it somewhere with higher interest rates. I want it reasonably safe and accessible though. Then is another chunk of cash that is currently…
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Redundancy Payment & Saving
I'm due to receive a hefty redundancy payment next week, and umming and arring over how to save/invest it. The plan is to put a chunk into a savings account where I can 'pay' myself each month into my current account a salary equivalent to I was receiving each month in a job. The rest will be split between Stocks and…
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Monmouthshire BS Deposits
Anyone know if there's any known issues with depositing funds recently?, I ask because I sent £1 to my easy access account at around 1am yesterday and it's not shown up yet.
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Oxbury
Anyone having trouble getting logged into Oxbury??? Unable to log in. App states unable to connect to Oxbury and no reply on phone at bottom of emails
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Zopa to Oxbury
Hi all….1st post here …bear with me if in wrong thread….long story short…tried to move my money from Zopa to Oxbury…Oxbury not under open banking connections…so entered manually…Zopa has asked for Oxbury statement to verify before transaction can be approved..!!! If that makes sense….
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Revolut Instant Saver 5% rate not available after opening account for £20 reward
As stated in the title, I have just opened my Revolut account with the free Standard plan, hoping to get a £20 reward after spending £20, as suggested in the weekly email. The other perk is supposed to be access to an instant access savings account with a promotional rate of 5% until 4 December 2026. However: With my newly…
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etoro - Market gains without risking what you put in
Is anyone familiar with this, or similar offers? capital protection account I received this marketing email from etoro which piqued my interest. It claims that if you remain invested for 2.5 years you're guaranteed to get out at least what you put in, but possibly more. The investments are 50% in equities like S&P 500,…
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Interest on non ISA savings
Although my salary is slightly into the 40% tax bracket at £53k, my workplace salary sacrifice lowers the salary to about £46k. Does this mean that any non ISA savings interest I earn is taxed at 40% or 20%. I try to keep the non ISA interest to below £1000 per annum by using ISAs. I don't have any other earnings apart…
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The Faster Payments Cut Off Times List
Welcome to this thread. The purpose of this thread
is to provide a regularly updated list of the cut off times for faster payments
made into the savings accounts offered by various banks and building societies
to begin earning interest the same day. Given the sheer number of banks/building societies
there's bound to be…
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Setting up 3 DDs for bank switch
Hello Need to set up 3 DDs to enable bank of Scotland switch bonus on a bank account which currently has no DDs I can see there are sites that offer option to set up dds for small charge Any one used one and if so was everything ok and any recommendations for best one to use appreciated Many thanks
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NS&I to pay £367 million to bereaved families after failing to trace savings
Tens of thousands of bereaved families will be contacted by NS&I and told how to access their loved ones' cash. It comes after the state-owned savings provider initially failed to locate the accounts… Read the full story: NS&I to pay £367 million to bereaved families after failing to trace savings If you haven’t…
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Capital Gain calculation for short selling shares
Does anyone has experience for Capital Gain calculation of short selling (i.e. sell before buy) shares? After reading HMRC manual, https://www.gov.uk/hmrc-internal-manuals/capital-gains-manual/cg51555 my understanding are The gain is realised at the short (disposal) rather than the cover (acquisition). If there are…
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Starting Savings Rate for tax on Interest
Is this an annual allowance, or is it what it sounds like, only available in the first year you start saving?
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Delegated FSCS protection - fintechs
Just been reading about an issue in the states and wonder if the same could happen in the UK. Not sure how much of this is true but using multiple companies sounds like a common ploy to get round regulations. Yotta (a FinTech) looked like a bank and claimed deposits were protected but it actually accepted deposits, sent it…
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How much interest can a pensioner get tax free?
My dad is a pensioner and his only income is the full new state pension (£203.85 per week) and interest on savings. I know about the PSA of £1000 that you can earn of interest tax free, but wondered if my dad can earn more than that? I have read something about a starter rate, but I don't know if that is applicable. Can…
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Lloyds Regular Saver having switched away from Lloyds
I've switched for Lloyds to another bank, however I still have the Regular Saver and continuing to pay into it. The account still says interest at 6.25%. Will this continue to pay at that rate? I've seen nothing from Lloyds to tell me otherwise!
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
