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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

Normal expenditure out of income.
Hi. I want to start giving my daughter money from my income each month to help with living casts but know there are rules and regulation on this so wonder if anyone could answer some of my questions. • can I give regular amounts of money to my daughters out of money I have earned and paid tax’s on. • what is considered…
Skipton Interest payment issues
Hi, has ayone had any issues with interest payments to external accounts with Skipton building Society? First ISA bond worked perfectly, then renewed in March and now they are unable to pay it for some reason. When I talk to them, they say Admin dept dealing with it, will take 15 working days. Really dissapointed with…
Unexpected Nationwide interest
I have a few Nationwide savings account, just used for various pots. Never that much in them. They all pay interest yearly, on the 1st January. Which they did this year. However two of them just received a small interest credit out of the blue, only a £1 or so. Most curious.
Shawbrook Bank
I just tried the telephone number on their website 0345 266 6611 and got a recorded message from another company, couldn't hear the name, then pressed 2 for savings and got the message repeated over and over again. What is going on with them?
Invest Engine SIPP and the FSCS protection limit
Hi, I currently have above the FSCS protection limit in my Vanguard SIPP. (Invested in Vanguard funds on the Vanguard platform). Im thinking about using another platform - probably Invest Engine as there are no platform fees. A few questions please: 1) Is there a decent low cost non-Vanguard ETF equivalent of FTSE Global…
How many companies are listed on global stock markets?
I know what you're thinking: "Oh look, somebody's asking a question where they could easily Google the answer." Don't worry though, I did Google it! While I (and I'm sure many people on this forum) spend a lot of time thinking about the stock markets and investing in them I've never really considered how many companies…
Atom bank withdrawal interest drop - when to do this?
Hello, I wanted to see whether if i withdrew from Atom if i would benefit from not losing much interest at the end of the month or will it take all the interest for the current month making my idea fruitless? It was silly of me but i maxed my ISA for last year's period and put any overflow savings into Atom but now i want…
Savings tax and shared accounts
Hi I'm getting rather confused with tax and savings and not sure if I need to make some changes. I have my own savings accounts, maybe £3000 in them together. Then I have a joint savings account with my mum. It's not my money, I'm just named on the account so I can easily access it for emergencies with my parents. They go…
Best time for moving savings from overseas to the UK
Hi. I am about my move my residency from Italy back to the UK in the next few days (beginning of May). I'd like to move my savings from my Italian bank to my UK bank because of a better interest rate. The savings are in the order of the tens of thousands. My question is: should I do this transfer while I'm still an Italian…
How to save for uni for my 4 kids
I have 4 kids aged 8 - 13 and have £20k saved so far across 4 x Santander Mini accounts in each of their names plus 2 x regular savings accounts in my name. None of which are earning me particularly good interest. I'm also aware of the Tax implication as I'm a higher earner. Does anyone have any advice for the best kind of…
Index trackers
Are the Global funds and US funds that were so heavy in the "magnificent" seven now selling Tesla and Nvidia etc contributing to their fall, and investing in the next level of market caps to compensate, or do they have fixed dates for rebalancing in the not so distant future so more pain might come for these stocks down…
Savings Options on £300k for 2 years
I am selling my home and expect to receive £300,000. Initially, the plan was to use this money, along with my partner contributing equally, to purchase a new property together. However, we’re not sure we want to make that commitment right now and would prefer to wait a couple of years to see how things develop. Having…
Savings account for our newborn
we have had a baby 2 weeks ago and want to set up a savings account for him Looking at putting away approx £50 per month for him to be able to access once he's 18 for a car/towards a deposit etc. Any ideas where is the best place to do this please? All advice appreciated
Saffron BS - anyone here have a savings account or ISA with them? Good or bad?
Hi all I'm looking for a new ISA provider. I only want to use banks/building societies with a high ethical rating. Saffron are winning out with the highest interest rate. But there seem to be a fair few horror stories on Trust Pilot, so I wondered if anyone here has anything good or bad to say about them? Many thanks
Filling out the 10-year anniversary IHT100d form for a trust
My father-in-law died a long time ago (November 1995), leaving his estate to my mother-in-law. Because his IHT NRB was not transferable in those days, she used a Deed of Variation to assign £120k of her inheritance to a new discretionary trust, of which she could be a *potential* beneficiary. The trust was created in…
Is Monument Bank App Only?
It's not easy to see basic info, except by following their invitations to download the app and get started. Once set up is it app only, or is there also a web login? I'm looking for cash ISAs for us both, in my case once the bonus on Zopa runs out. In her case she has Gatehouse which is no longer competitive so should…
INVESTMENT FRAUD - CLONE FIRM
can i have some guidance on all that i can do to protect my parents going further as my father has become the victim of fraud
Raisin easy access account termination certifcate
I recently closed an easy access account with Raisin. A few days later my account was closed and my savings were paid into my nominated bank account. I then checked the termination certificate which gave details of when account opened and closed and final amount returned to me via Raison. I noticed a discrepancy of £31…
Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
Get premium bond details for inheritance tax form
I need to complete form IHT406 before I can apply for grant of probate. My late mum likely had bonds, but can only find an old holder number for her and some old bond accounts that she had and sold each year. The form in their website seems to be in regards to getting the money out. I called, but they say they have no…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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