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Gilts vs Savings
Hi all, I was using MSE Gilt Calculator yesterday and I am struggling to follow the comparison to the savings accounts. Let's use the attached example: This Gilt would earn £22.31 return on an investment of £4980 over 45 days (7 Sep till 22 Oct). 1. Take the first 'if you pay no tax on savings': 5.51% of £4980 over 45 days…
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Maturing Charter Fixed term bond ISA
They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…
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IFA
my IFA (who is also my son) decided that he no longer wants anything to do with me, do not know why, but in September 2025 he stopped managing my portfolio, which is with Quilter, he did not inform me that he was going to do this, and I only found out this week, when I realised that there wa no advisor fees coming out. i…
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RCI maturity options
I have 2 fixed-rate bonds that will mature in the coming weeks. The first is a NS&I guaranteed income bond (approx £12k) that matures next week. I also have a 2 year RCI bond (approx £10k) that will mature at the end of November. One of these I will reinvest into another fix, but the other I will put into easy access or a…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Santander Edge Saver ended
I am looking to open another Santander Edge Saver account, please can someone remind me how to do this so I can open another ? I think the last time I did it was via the phone and wait for the account to be closed and reapplied?? Is this the way to do it or quicker to do it via chat bot, please?
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Investing SAAS Loan into S&P 500
Hello Everybody, I'm currently a second year uni student graduating 2029 and just wanted to get some advice from other people. I'm living at home and will be able to for the remainder of uni and only paying a small amount of dig money. I have a part time job that covers this just fine. The Plan: I was planning on taking…
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How many regular savers do you have? - The League Table
Welcome to this thread. This thread is intended to run alongside and complement the existing Top Regular Savers Discussion Thread and the Archived History Of Regular Savers Thread *** NO CHAT*** threads as a successor to the previous Being nosey... How many Regular Saver accounts do you have? thread. The central feature of…
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Tembo homesaver account
MSE states you must keep the account open for one year to get the bonus, what it doesn’t say is that you must also apply for a mortgage within that year to get the bonus.
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Issues with family trust - investment
Hi all! I’ve been left in the unenviable position of having to sort out a family trust as my mum is no longer able. It’s for a property which is in the process of being sold. There have been issues with the professional trustees and they do very little so it’s all on me. We need to provide bank account details and don’t…
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Oxbury email
Received this just now: We are writing to inform you that there was an error identified in your recent account statement from Oxbury (labelled as End of Term Statement/Annual Statement). That statement will be removed from Oxbury Online Banking and your Oxbury App whilst we correct this issue. That statement incorrectly…
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Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
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Vanquis Clearing Bank Account number
This may have been asked before but cannot find what I need. I am trying to transfer a Vanquis ISA to Vida bank and it asks for an account number and reference number. The only number I can find in my Vanquis account is much longer than 8 digits and therefore doesn't fit in online application form box. I have transferred…
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Delay processing application for a First Active savings account
I applied for the First Active 4.55% savings account on 2/9/26. It was recommended here at MSE. Two weeks later and the application has yet to go through. I have had occasional emails apologising for the delay and telling me that there is no point contacting customer services. The information that has not been shared is…
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property, pension, isa
these are the 3 big areas it makes sense to put most of my money but in what proportions? i have a few thoughts……….. property: somewhere to live, no rent to pay, tax efficient being your own home, not counted against in a benefit claim pension: 25% uplift on contributions due to tax relief, however may not have much choice…
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Maintenance loan
Is it worth getting a maintenance loan you don't need to invest it?
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Best way to send money from overseas bank account to the UK?
My wife lives with me in the UK on a Spouse Visa. She wants to send around 12k to a UK bank account. Apparently Wise is the cheapest for sending money internationally but caps the payments at around 3-4k a month which is infuriating I imagine credit cards or normal bank transfers will give worse rates and I don't trust…
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Interactive Investor Platform Fees
Hi all, if anyone is using Ineractive Investor I have a question about the merits of choosing one plan over another. I opened a SIPP earlier in the year and by default it created a 'Core' Account (I wasn't offered the choice at the time of opening).There is also the Premium account at £39.99 per month, but disregarding…
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Oxbury Savings when abroad
Just a warning that if you need access to your savings with Oxbury when abroad it may not be possible. I tried to access the app to transfer funds and got this
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ERNS ETF GBP - what tax
I understand that quaterly "dividends" are taxed as interests, but what about income before? If I buy just after dividends pay out, keep for a month would that be CGT only?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Cash ISAs: The Best Currently… by masonic
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