Savings & investments

Forgive me if a similar question has already been answered in an earlier post but I have been unable to find it… I have two Sunny Day saver accounts. Both originally had a balance of £3K. One of the accounts received an interest payment in July 2026 which took the balance above the £3K maximum. Unfortunately this went…

I signed up for the Etoro £75 free shares offer using the MSE link, reached a page with a Claim your free shares link and created my account. Funded my account with the required £200.00. But no evidence of any choice of any free shares or any free shares at all. The Chatbot advises that the £75 of free shares will only be…

Hi, I'm gonna throw this into the void and I'm sure be told that there's nothing can be done but here goes - so my wife found an old a passbook for an account with Halifax she'd forgotten about - it was an instant access ISA the last balance was £1500, so we went to the local branch and they took a look etc and in the 12…

For years now, I have had trouble logging in to NS&I. They suspend my logging in, so I have to go online and change my password. Problem is, that does not work. I am asked to enter a Hash Key, which never works. Every time I change my password, it stops working the next time I need to enter money into my saving account. It…

I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA

I wonder if someone could explain the basics here. The general outlook is that investments out perform savings, however, when I take a very quick view it does not seem clear. Taking the FTSE 100 as an example, over 10-years its growth is around 4.5% PA (6775 to 10600). Given that saving rates of 5% are possible (with no…

I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…

Can someone help me with an interest calculation? My Cahoot Sunny Day Saver pays 5% annually on balances up to £3,000. I have £3,000 in it. Will I get £150? Or is the interest calculated in a way that means I get less? And would I be better off having a balance of less than £3,000? (e.g, £2,850, and putting that remaining…

Even in a forum designed to talk about long term financial planning, it seems lots of posters are only putting money in unnecessarily low risk pots, like savings accounts, premium bonds, and bonds. Great, there’s little chance you’ll lose this money... But at the same time these advocates for cash savings seem to omit that…

Hi. Both me and my wife have premium bonds to the full value of £50k each. This month, November 2026. Neither of us have won anything. Is this unusual? Is there something going on with premium bonds? Anyone have any answers please?

Hi, Basically i had some shares in a company called PropertyMoose which was a property company that rented out properties. However in the last few months a company called UK Diversified Property has taken over everything which to me seems extremely bizarre. I was trying to look into whether a company can take over the…

I have a Regular Saver with the Progressive Building Society. For almost a week now, I have been unable to access my account. I can log in to the website but then get a message "Progressive Building Society’s online service is currently unavailable due to scheduled maintenance. If you need to contact us during this time,…

Surprised by the lack of outrage that tax on savings income (over PSA) has just been increased to an extra 4% above current rates from April 27. Seems that hardly anyone noticed. 1.1 Income Tax: Savings Income Tax Rates for tax year 2027-2028 As announced at Budget 2026, the government will introduce legislation in Finance…

Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…

What are people’s thoughts about UK all share vs. equity income in (whatever you consider important about) the current environment? When I sold my UK smaller companies fund last year I bought equity income (Vanguard) considering it more reliable given the UK economy didn’t seem to be going anywhere fast. I have about 15%…

HI. I have been looking around to move my isa from Trading 212, currently paying me 3.6%. the first thing to do was to get it out of trading 212 which is easier said than done. The one thing that really surprised me here, was that two major players- trading 212 and nationwide do not communicate. I could not transfer my isa…

Hi everyone, looking for a sanity check on a 6-year retirement bridge plan so I (61, basic rate) can slow down work immediately. Wife is 54 (non-taxpayer, NHS part-time, no pension). Target: £1,000/month net total. Current Assets: Main Home: £250k (mortgage-free). Bungalow Rental: Worth £155k (£40k mortgage). Brings in…

I previously posted the results of calculating the gain/loss of Net Asset Value in dollars resulting from selling £100K of VEVE and buying £100K of VALL at the closing price each day. This gain/loss occurs as a result of the differing discount or premium to Net Asset Value of the two ETFs. It does not include brokerage…

I was researching interest rates for maturing fixed rate virgin money ISA's and non isa's to see what rates they were offering. It seems the process as now changed and if you have a maturing fixed rate isa or non isa you now need to switch it to the nationwide platform as they have now stopped issuing stand alone fixed…

My parents want to make a gift of £50k each to my children (current ages 13, 15 and 19). I would like the sum to be invested until they are 25 years old if that is feasible. I have looked into accounts for children but interest rates do not seem to be very good for large amounts of money. The annual limit appears to rule…