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Savings & investments

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

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…
Tembo Cash Isa
I was about to transfer my Cash Isa to Tembo. Having checked the FSCS website. I was alarmed to see that Tembo are not covered by the compensation scheme when using the FSCS? See screen shot below Why are Tembo being recommended if they are not backed by the FSCS compensation scheme? It's left me worried about trusting any…
Nationwide Members bond 5% 18 months up to £10K
In case anyone is interested and a member of Nationwide, they are offering a 5% 18 month member bond where you can put up to £10K in - has to be funded within 14 days of opening. Seemed quite attractive to me so I have applied to open one up. I guess you have to put all the money in at the start.
Royal Mail Share Offer - I missed the deadline! PLEASE HELP
Hi All, Just logged into my Hargreaves Lansdown trading account to see my Royal Mail shares are now shared in International Distribution services. I tried to see them and was unable. I called Hargreaves Lansdown and was advised that the decline was last week, I had missed it and lost all my money. Is this correct? Can they…
Selling Shares
I have shares in my name, they were transferred to me with intention that they would be for children when older. Children now old enough and want to sell From what I can gather the shares are listed on the New York Stock exchange what is the best way of selling these? What fees will I likely need to pay? Will I be liable…
Premium Bonds repayments
Hi all - has anyone else had an issue like this? We requested a PBs withdrawal online; filling in the application form, entering the account number we want the repayment to go into. BUT instead of paying the PBs withdrawal into the requested account, NS&I completely ignored the requested account number and instead paid it…
Plum Cash ISA
Might be worth flagging up the terms for the cash ISA. I understood that I would need to retain for 12 months to get the bonus interest. At12 months I was told that the bonus would arrive at the end of the month. that has passed - no bonus. I contacted again and was told “at the end of the following month”. However, if…
Non Resident Shares Sale - Broker
I have some Aviva shares, registered at Sharecenter and want to sell them, but I'm not UK resident hence Sharecenter wont act for me. I have had no luck trying to identify a broker for this, does anyone know of a broker that will transact on behalf of non-residents?
Should I sell Royal Mail shares now?
As an employee, my husband was given Royal Mail shares. Now the takeover has been agreed, colleagues have been panic selling their shares. Should my hubby sell now or hold off for a wee while?
Thoughts on "Snoop" Easy Access Savings account (4.6%)?
Hi all, I've had a look around the forums and the website to see if anyone else has seen the new interest rate on the Snoop app easy access savings account. It offers 4.6% Interest on an easy access savings account through Vanquis Banking Group. It's reasonable high in terms of the interest rate, but I don't see anyone…
NSandI's 2-factor authentication does not work
Four fruitless hours today trying to log in to NSandI. Their 2-factor authentication system asks you to press the star key (*) to listen to the one time passcode, but doesn't recognise the tone when you do. "Please press the star key to listen to your OTP." - presses star key * - silence "Please press the star key to…
St James’s Place and SS&C Technologies
A Gemma Z is working for both companies as a Senior Manager. She refuses to explain the exact nature of this relationship or whether she is an employee or consultant! In fact I suspect it was in error that her out of office reply to my email to her SJP address came from her email in SS&C! Why all the secrecy and is this…
Selling commonwealth bank of Australia shares
Hi My late mother and (not late) father own some shares in the commonwealth bank of australia (ASX code CBA). Details are vague but they somehow came into ownership of these many years ago via a scheme offered by the teachers union they were both members of. For clarity my mum and dad are both UK residents and have only…
Exceeding PSA with new pay rise - what to do?
Receive a pay rise this month that takes me into the higher tax rate. Nice surprise but that means the total interest from my saving will take me over the PSA for this financial year. I have the following accounts and expected interest this FY: NatWest saver - approx £276 Club Lloyds saver - £150, matures in Oct TSB fixed…
Advice on what to do with the rest of my savings after ISA
I currently have £20k in an easy access ISA which I set up last month so my understanding is that i can't add to that, or start another ISA until April 2026? I also have £35k in my regular Monzo savings account and am being told by lots of people that's not the best place for it? I am trying to sell my flat and buy a new…
Savings accounts paying higher interest rates
Hello - brand new to the forum here. I’ve been looking at savings accounts on the MSE webpage and a couple of weeks or so West Bromwich building society figured as one of the recommendations. With a rate (variable) of 4.65 for an easy access account it was (and still is on their website) a good comparable rate. But it has…

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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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