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Coventry Loyalty Seasonal Saver (NLA) withdrawals now penalty-free
If you have an existing Coventry Loyalty Seasonal Saver account (NLA), withdrawals are now penalty-free from today (prior to today any withdrawals would have cost you 30 calendar days interest on the amount withdrawn).…
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Trading 212 Cash ISA - Borderline discriminatory???
Hi All, First posting newbie here. Just wanted to convey my disappointment with the Trading 212 service. After helping my elderly mum with her accounts after she has been in hospital for over a month with a life altering condition I wanted to help her and make her money work for her by transferring her current ISA to the…
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Sporadic saving rate increases
In contrast with the recent trend of a slow drift downwards in savings rates, there are several recent instances which buck the trend. I see Hodge have just increased their easy access rate up to 4.21 after dropping from 4.4 to 4.15 last month. Oak North have just upped the rate on their 95 day tracker from 4.51to 4.54.…
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IG Promotion - Invest £50 or more and get between £40 to £200 in bonus shares
Hi, Just came across this promotion and having read the T&C's I am not fully clear. https://www.ig.com/uk/bonus-shares-promotion-oct-25 1. Open the account e.g. S&S ISA or GIA and pay at least £50 in 2. Buy some shares and use up the full £50 in one transaction, ideally you make 2 small extra trades (higher pay in…
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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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Gilts vs Savings
The Gilts vs Savings calculator in How gilts can help you pay less tax on savings interest doesn't seem there any more. Has it been withdrawn?
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£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
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Vanquis - Deeply Unprofessional & Distrustful Treatment of Loyal Customer
Been a customer of Vanquis since 2012, placing my trust in them year after year. Earlier this year, I invested my long-term savings (2 x £20,000) into their 1-year fixed-rate bonds. Due to Vanquis’s outdated and awkward account naming system, I couldn’t transfer the funds electronically had to go to the trouble of sending…
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My Portfolio
Here’s what I did......for comment, to adapt or ignore. Following the markets correction in April, I decided to put together a new portfolio, something that I was going to be very comfortable with and one that befits my advancing years. I had several objectives, all of which have been met. The most significant is my desire…
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File your Self Assessment return
Here we go again - another tax year. Only 4 days in and I have already received the email demanding I 'file my Self-Assessment return'.I would be happy to do so if HMRC were to sort out their own processes such that I don't have to wait until November before I can request a copy of the BBSI report for savings interest. The…
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Principality merging accounts
This morning I received a secure message which said 'thanks for closing your account' (First Steps / Buyer issue 1) which I hadn't done. That sent me into the horrible realms of thinking that I'd been hacked and money stolen. No, PBS have decided that customers can't hold issue 1 and 2 and so have merged 1 into 2 which is…
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ZOPA AUTOSAVE WORKS AT WEEKENDS
I set up an autosave to fund my Regular Saver (though I could also do it for any of my other accounts) This month it fell on a Sunday and happy to report that it happened today and I received a notification from ZOPA when it happened just after 6am.
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Are we all braced to be working through our spreadsheets for the, probable, base rate change?
Sounds as though it's likely. I bet am not alone in then waiting for the institutions then reacting to this and them adjusting their variable products. Then to plough through my Savings spreadsheet colour coding the rows / products that have and might change. Keeps me out of mischief!
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Anyone buying gilts right now?
Without wanting to get political so keeping the conversation general about their future prospects rather than any particular party is anyone else seeing medium to long duration gilts as a potential opportunity for overweighting within a portfolio now yields are at 27 year highs? I saw an article that highlighted that a 30…
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Skipton Member BonusSaver 1A bonus ending
My Skipton Member Bonus Saver 1A interest rate has a bonus of 1.7% added which ends after 12 months.This will mean a reduction from 5% to 3.3% on 13/1/25. My annual interest will be added on 11/1/25Maximum balance is £3000 which means once the interest is added I will exceed this maximum balance.Obviously 3.3% is poor and…
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Fidelity Cashback offer for transfer of ISAs, SIPPs or Investment accounts
Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months.
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Mindset over finances - am I the only one
Hi A bit of background I’m 36 yrs old, single own a small home worth £120k - mortgage of £65k savings/investments of £55k I always feel like I don’t have enough money, and have a bit of a ‘fear’ of not having enough to live on in retirement, even though it’s a long way off i stick to budgets and feel as though I’m ruled by…
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Vanguard: New Minimum Monthly Account charge
Update: Vanguard have delayed the minimum account fee and other terms changes. They will now apply from 28 February 2025. ------------------------------------------------------------- Vanguard are introducing a new monthly minimum charge of £4 per customer from the 31/01/25
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Posting known problem to alert others
Hi Would be grateful if
the mods or someone else could explain something for me please. Yesterday I posted
here about a problem with Charter Bank’s site when giving maturity
instructions. I wasn’t asking
for help just wanted to alert anyone else in the same situation, but my
post was moved to the ‘Technical’ forum. To me,…
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NS&I overshoots target
https://www.standard.co.uk/business/money/ns-i-overshoots-net-financing-target-after-bonds-attract-ps10bn-of-investment-b1173737.html Not enough people withdrew money, so they have more funding than their target.. doesn't look good for premium bonds, savings rates or bond maturity offers.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
