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Tax on savings interest
i thought if you have no income employment you could earn tax on savings interest plus starter rate. HMRC have applied a 20% tax on moderate savings interest a few thousand (well under last year's tax code). And reduced my tax code. No other income. Surely this isn't right? They won't change it and say it is based on…
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Do you use more than one platform?
Do you use more than one platform and if so why? I've consolidated most things onto II but I still have a six figure (not that it should matter) GIA sat on IWEB. I alternate between transferring it because single pane of glass one place to look etc. but then holding off because I remember getting caught up in the Icesave…
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Fair Fund Notice - Barclays Bank
I'm in the UK, had Barclays ordinary shares a while back but sold them all, only had £500 worth. Pretty sure I bought them before 2019 so this might mean nothing to me. But got a card through the post the other day that appears to be relating to a class account being done in America. It states "This is an important notice…
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Vanguard S&P 500
Good morning, So I have delved into the S&P 500 a few weeks ago using some of my savings. I have decided to go for the accumulating option(VUAG). I have a couple of questions which I’m hoping someone can help with. 1) I have set up a direct debit for £120 per month to automatically purchase a unit on Hargreaves Lansdowne.…
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NS&I ILSC Matured - How long until payment?
I have a NS&I ILSC that has matured, and have received a text message saying: Hi, your Index-linked Savings Certificates account No. xxxxxxx has matured. We've carried out your instructions and you'll receive confirmation within 5 working days. Now, the certificate has disappeared from my online account, but no sign so far…
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What to do with inheritance?
Hello everyone, I’m making this post on behalf of my sister. She’s had her share of the inheritance in premium bonds but now she is 18 she is allowed access to them. She is planning to take a gap year after completing her A levels this summer and then do a university course. What is the best thing to do with this money in…
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Where do II take fund trading fees from?
Little confused here. Or just blind. I have an II "Plus" subscription so it includes one free trade a month and additional fund trades should be £1.49 each. On Friday I placed 3x sell orders for funds in my ISA. All three have executed. What I'm not seeing is the fees being taken for the trades. If 1x sell order is covered…
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Pay into my pension or cash ISA?
I've had a workplace pension for just under a year. I contribute 7% of my monthly pay, which is the most that my employer will match. But I can contribute more if i want to. I was looking at it today and it says that it has gone up by over 9% since I started it. I've also got a cash ISA that's earning 4.52%. I would…
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Shawbrook Bank - how do they get away with it?
I had a 1 year ISA, maturing on 10th April 2026. In March they asked me what I wanted to do with the funds. As they didn't have any decent rates I informed them, with 30 days notice, that I would be transferring all of the funds out of the ISA on maturity. The ISA transfer was pending for 30 days. I would have thought a…
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Genuine?
Returned home after some weeks away to find this (opened) in my mail. It was addressed to a sadly now deceased family member at an address he used to live at near me some years ago. It is now an air B&B so I can only assume given the delay from letter date, that the owners were up at some point recently and knew to put it…
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MSE News: M&S Bank completes official transfer to HSBC
M&S Bank has been part of the HSBC Group for more than 20 years, but today (Monday 1 June), it's been legally transferred to HSBC UK Bank. This means a change for those with substantial savings across M&S Bank and HSBC UK and/or First Direct. https://www.moneysavingexpert.com/news/2026/06/m-and-s-hsbc-transfer/
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Melton Adcock Regular Saver - Interest paid away?
Just noticed that interest due today on this account has been paid to my nominated account instead of being added to my account balance. :( Last year it was added to my account.. Has anyone else had this?
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JP Morgan Personal Investing - £100 Cash Offer
I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…
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Nationwide BS - Member Exclusive Online Bond - Fixed 18 months - interest paid
Just noticed that on Friday (29th) 500 quid interest was paid into the Nationwide BS - Member Exclusive Online Bond - Fixed 18 months, taking the amount in the account to 10,500. The account doesn't mature until the end of Nov 2026, does the extra 500 also get 5% interest, or is it best to withdraw it somewhere else?
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MBNA problem
On a MSE reccomendation, I made a 5 figure investment with a MBNA fixed rate 1 year savings account which matures next month. I have received a maturity options email from MBNA with link to their website to state my choices. The link doesn't work and says there is problem. I phoned MBNA and the very pleasant girl says…
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Shared/linked access accounts
I currently have investment accounts with HL and same for other family members, where I have linked access through the HL App and online to do any investment dealing for them. However, due to HL charges, looking to move out from HL. Are there any other platforms which allow linked accounts?
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Is 4k worth investing or leaving as cash?
In a Freetrade ISA if I leave approx 4k sitting in cash I gain monthly interest of between £9 to £12 per month which kind of offsets their monthly fee. Would it be smarter to invest that 4k in something I'm confident will go up, think big tech stocks like Amazon, or to leave it sitting in cash for the whole year? Thanks
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AJ Bell cash withdrawal question
Currently overseas using an e-SIM and wanted to withdraw some cash from my dealing account. Does anyone know if AJ Bell has a limit whereby they must call to verify a withdrawal request and if so what that limit is? I'm quite a few hours ahead of the UK and may be sleeping when they try to call and so it may be easier to…
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Vr tax
IIve Just taken out vr and received a payment of £37841.76 Tax paid £2212.73 on this payment i dont pay nsi my other income is £965 state pension and my works pension £635 both a net payments on my vr payment is the tax correct as does seem a lot of money I tried to call tax office but after 45 mins I gave up any help much…
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Cahoot Sunny Day Saver interest
I'm usually very savvy with financial stuff, but I've overthought this so much now I've got the mental capacity of a bowl of lentils. So I'm going back to basics trying to explain what I'm stuck on. Cahoot Sunny Saver. 5.00% AER/4.89% gross (variable) if interest is paid monthly. My understanding that the difference…
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