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2024 - 2025 Tax Not Calculated
I logged into my HMRC account today and it says it can take up to October to calculate. Is that right? I'm not self employed and have an employer however I started earning interest from savings in 2024 so I'm wondering if that's the reason it's not yet available, or is this normal? I'm wanting to prevent being taxed extra…
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savings
my family want to put about £4500 away for my niece without the parents knowledge. it would be paid to her at age 18 ( in12 years), what is the best and safest way to do this, any advice very gratefully received, thankyou
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Yorkshire Building Society - online login not working
This problem appears to be ongoing for 5 days now with a payment made from YBS to a 3rd party over a week ago which I learned was never received. So I can't login to even check if the payment bounced.I've tried ringing them 3 times and gave up after 30 minutes of hanging on. I've tried their chat bot, but all that happens…
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Christmas / Holiday Club for a Group of people
Hi all Can anyone suggest or recommend a Christmas / Holiday Club for a Group of people We are currently with Lloyds Bank, who have notified us that they are closing our (current) trust account in December. We are looking for an alternative. We need to find an account, which can allow access throughout the year (should any…
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Limit on money transfer
Is there a limit on how much money my husband can put into my account?
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Raisin welcome bonus
Hi is the £100 raisin welcome bonus only open to new customers ? I already have account that's matured so can I get the offer as existing customer?
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Branch savings advice please
Hi everyone, Family friends have come into money and are asking for advice on savings accounts. They are elderly so don't do online banking so are looking for branch based accounts. They currently bank with YBS, Halifax, Barclays , Nationwide and natwest. The amount they have in savings is around £75k each. I've had a very…
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Virgin Money 10.38% regular monthly saver
Hi, just wanted to say that it took me just a few pain free minutes to easily open a brand new Virgin Money M Plus account so that I could subsequently open up and pay straight into its 10.38% regular saver account. It's a maximum of £250 per month and maturity date is 31st July 2025 so that was £162 for about 8 minutes…
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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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CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
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House Sale Lump Sum for Short Term Savings
Hi there, First time posting so hope I'm in the right place. We are selling our house and will receive around £600k. We are then moving into rented accommodation for about 9 months. After the rented we will purchase a house for about £400k saving the £200k. I'm wondering how to save the £600k. As we will need access to the…
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Which banks are linked? tool
There used to be an essential tool on the "Are my savings safe" page. The link is still showing in the text, but when you click on it, it only takes you further down the page to a very brief explanation of some of the main banks. With the tool, you used to be able to enter any bank or building society and it would list…
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Anyone used Afin bank? (Not to be confused with Affin bank)
Couldn't see any trustpilot or other online reviews. They are offering a two year fixed term account paying 4.41%. Showing as FSCS protected on moneyfacts but wondered if anyone had taken the plunge yet? Thanks
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Cahoot Not Paying Interest on exactly £3000
In April I opened and credited a new Cahoot Sunny Day Saver and chose to have the interest paid monthly. This account states that it does not pay any interest on balances OVER £3000. Fair enough. It also states you can "enjoy 5.00% interest on balances UPTO £3000". I have exactly £3000.00 in the account and having checked…
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NS&I login page not working on 12 Sep25
Anyone else getting this error message? Chrome & safari both giving same error Used on iPad & mobile, error message is consistent
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GILTS - UKT 0.875 01/46
Hi. I've been following GILT prices for a while now and am thinking of buying the above. As I'm new to it, I'm just checking: I can buy a GILT originally issued at £100 for £43.79? I get 0.875%, so 87.5 pence for every GILT I buy (as a coupon annually which is paid half yearly). In Jan 2046 I would receive £100 for each…
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The Top Fixed Interest Savings Discussion Area
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…
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Anyone transferred MoneyBox cash ISA to Cynergy cash ISA
I have a MoneyBox cash ISA and want to transfer it to a Cynergy cash ISA however on the Cynergy website it says it can only accept transfers from providers BACS Electronic ISA Transfer Service and MoneyBox isn’t listed on this list. Anyone successfully managed a transfer to them? Thank you
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RCI Enhanced due diligence
Been asked to submit this, I regularly move six figure sums around to stay on top of the best rates and this is a first. No issues explaining the sources but looks like the evidence they want is the actual transactions, amounts, dates, companies which would take a huge amount of effort to trace back to earnings and dozens…
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MSE News: Premium Bonds – are you due a share of £106 million in forgotten prizes?
Over 2.6 million Premium Bond prizes worth a combined £106 million are waiting to be claimed, the latest figures show. Most bondholders now get prizes paid automatically, though this may not be the case if you have older bonds. Plus, prizes paid by cheque may be unclaimed if you haven't kept your address up to date or…
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: Trading 212 Cash ISA - Impossible to transfer ISA out! by JohnB47
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