-
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
-
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…
-
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
-
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…
-
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
-
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…
-
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…
-
Old Woolwich Building Society Account
Eeek! I don’t know if anyone can help me. I’m trying to help my aunt sort out her finances as she has recently moved into a care home. I noted she is paying £100 a month from her current account into ‘Woolwich Building society 0002’. She doesn’t know what it is and I can’t find anything on Google. I’m currently on hold to…
-
Skipton B.Soc Privacy policy email
Received an email from Skipton BS today telling me about their updated privacy policy.In particular I note that · We will securely share
some basic information about you (such as your email address) with our
carefully chosen advertising partners, plus social media companies. NO - you will NOT be sharing my email address…
-
COOP RS Matured into Smart Saver but no interest added
Hi Anyone else have their COOP RS mature recently? When was your interest added? Mine converted into a Smart Saver (as per their email) showing an interest rate of 1.53% but no interest has been added to my RS balance in it. Thanks
-
Onshore Investment Bond without and IFA involved
I am keen to open an onshore investment bond and am pretty savvy as to how they operate but all the main providers I have found only seem to allow you to open it via and Independent Advisor, does anyone know of companies where I can open one direct without the IFA? I have nothing against IFA's and have used them before but…
-
St. James Place ADVICE CHARGES
While I am very aware that SJP is not a good investment I, unfortunately, signed up with them in 2007. Some 18.5 years later my "Investment Bond" has yielded a poor 2.75% compounded interest. Having complained to SJP that I've never wanted nor received ANY ADVICE I requested that the ADVICE FEES/CHARGES be refunded in…
-
Paying tax on interest over £100 on children's savings account
For the tax year 2024/25 my son (12) will have earned over £100 of interest from a HSBC savings account in his name. The capital in the account came from a Halifax Kids Saver account opened and operated by me in trust for my son since he was born so am I right in thinking that the source of funds in the HSBC account is…
-
AVC performing badly
I have been investing into a Prudential AVC since Nov 2016, this with a view to retiring at the age of 65 in March next year. My problem is, I with very little knowledge of gilts and bonds and didn't realise the Pru were investing my money into a product called S3 long term Gilt passive pension and S3 index linked…
-
LGPS / AVC / Prudential - At a loss!!
Hi I thought it was about time I addressed this issue. I started paying additional contributions to an AVC with Prudential in 2016. I invested at a Medium Risk with: Prudential S3 Index-Linked Pen and Prudential S3 Long-Term Bond Pen. I was unsure I have to admit how to invest it and very little advice is given. I have…
-
Buying a gilt for the first time - large buy/sell spread?
Hi all, I'm looking into buying my first gilt (via Halifax Sharedealing). Just a dummy run for the moment - I'm looking at TG53 which has YTM of approx 5.45% and another 27 years to run to maturity. As per Halifax (and the same/similar on HL), the sell-buy prices are 43.37 - 43.82. So my question is - this looks like a…
-
Holding ETFs in a non isa account
ive read on here that holding etf,s in a non isa account can be complicated. I didnt realise ths. As having filled my isa allowance with etf,s i decided to buy more and have put about 12k in a non isa account (trading212).I have made some gains and going forward want to know what i should be doing as regards to declaring…
-
Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
-
IFA charges to combine pensions? One time fee preferred
I'd like to combine my FSAVC (over £120k) with an existing DC pension pot. I have other DB pensions in payment which cover normal expenditure so I'm planning on using the combined FSAVC and DC pension as a drawdown pot. I've done extensive forecasting/modelling and this is the best option for me taking account of…
-
26 Years Old, Is my savings plan good?
Hi, I'm 26 and I'm currently studying with the ACCA to be an accountant. I've managed to save about £26,000 off my own back, my Grandad passed away in France early this year and then my dad a month later... so I guess I am to inherit €32,806.46 through my dad and I've also inherited £25,000 from him. I'm currently having…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.3K discussions
160.6K comments
Most recent: Where to save a lump sum? by Bigwheels1111
7 November at 10:41PM
