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Interactive Investor dodgy terms and conditions for refer a friend offer
I referred a friend to ii for the £200 cash back and friend getting a year's fee free at ii. I just read the terms and conditions again to make sure and I notice that they seem to have changed the dtae from which the friend needs to open an account - 18th December 2025. My friend opened the account a week or so before and…
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Tax Confusion
Hi, I received a letter last month from HMRC stating I owed £250 in tax from 2024 - 2025. This does work out to be correct from interest I have earned on savings. I paid it straight away to avoid a tax code change. However, HMRC have sent me another letter via a tax code change for the 2025 - 2026 tax year saying they are…
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Looking for savings advice
So we are in the fortunate position of having inherited some money approx 100k. We are married and retired in our 60s. i have no idea of the best thing to do . ISA , premium bonds, or usual savings account. any advice would be welcome . Many thanks
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An alternative to flat rental - MIL income from property in trusr
My (wife's) father passed away last year. His will leaves is flat (that has been let out for the last 20+ years) to his three children with the provisio that whilst his wife is alive, the income from the flat rental (or any other form of return on his assets) is to provide for his wife. We placed the flat in trust and my…
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Tax on savings for non earner £18570 v. £19000
I understand the first £12570 is tax free, then the starting rate for savings +£5000 then the PSA +£1000 ...giving total of £18,570 (on the basis no other income at all) How is this impacted if the interest was say £19000 Is the top part above 18570 simply taxed at basic rate....? At this threshold is it ever worth putting…
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Cash ISAs - have I been missing out?
I have had a Stocks and Shares ISA but haven't put anything into it for at least four or five years. I also have cash savings of about £80,000 which are spread across four different savings accounts. I think I misunderstood the rules and thought that because I had more than £20,000 in my stocks and shares ISA I couldn't…
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Extra 2% on savings ?
What does that mean ?
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Making the most of my saving
Hi, I'm 45 and have made the decision to move into my parents house for 3 years to get out of the rental market and actually get myself financially sorted. I'm on a pretty good wage now but due to rent, costs, a ridiculous amount of university etc I've always rented, been in and out of debt and never been able to save. So…
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Latest Monument App crashes
Anyone else having problems with the Monument App? Just had an update from the playstore (to 1.33.0) and now it crashes before displaying any info. It accepts my PIN, says "Good afternoon Alan", then disappears. This is on Android 16.
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Savings Interest and Tax Code change
My tax code has been changed this month. Looking at it there is an assumed amount of interest they have figured for me, which is way off at £2,500. It will be much closer to £1,000. They wrongly assumed £2,500 which puts me into the 40% bracket which reduces my PSA of course. Do I call HMRC this year/now or does this…
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Investment Trusts
I am looking for a fund that will pay out income. Most Equity income funds only payout twice a year, but it seems investment trusts pay out 6 times per year, which would be better for me. However, I have always thought that ITs are more expensive due to the extra layer of management. Am I thinking wrong? Can anyone point…
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BBSI Untaxed interest list query
Hi All, My requested list for 23-24 and 24-25 contains so many errors I really don't know where to start or who to approach first. I requested the list because I was shocked at the interest they claimed I earned 24-25 On looking at the list I'm finding yes they have estimated based on the previous tax year as expected, BUT…
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'Expected profit' on Sharia savings accounts
Looking at a 1 year fixed-rate Sharia account (Al Rayan via Prosper, 4.56%) for a large lump sum deposit & just wanted to hear any Forumites experiences with Sharia 'expected profit'.Anyone had less profit at maturity than that advertised when account was opened? Or is it likely/possible to get more than the advertised…
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Trading 212 MSE link
I've opened a Trading 212 account but it's asking my to deposit 1k - how do i take up the latest MSE offer of depositing £100 and getting £50 of free shares. I can't even find how to enter the code given
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Top Cash Back Confirmed?
I've just had a payment from a Santander account but I also have a Cahoot account in the pipeline this has been showing confirmed for the past 7 days. Any thoughts on how long it takes to become payable please.
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Coventry First Home Regular Saver 'maturing'
I have had this account for almost 3 years and its 'maturing' mid December 2025. Received email from Coventry advising me of this and saying details of presumably options had been sent by letter. Have not received this letter yet to which they refer to despite being sent out 20th November. Anyone else received the…
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What is the best savings account to have
Which account should I put my savings in I know I might be a simple answer but I’m new an not sure what the AER etc means so not sure if the highest is the best thanks
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where do I start
I watched Martins TV slot on investments and decided I might give it a go. I have around 10k to invest but other than figuring I need a stocks and shares mixed portfolio ISA from the show, I have no idea where to start. Ive tried googling and just get tons of companies who want to charge meloads of money for their advice.
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SS to cash ISAs from April 2027
I've read through a few pages about RR's 2027 changes to ISAs... I'm apparently fine as 65+ but the wife is not yet there. I take it that for me nothing changes, I can add £20k to a cash ISA or any other proportion. I also assume that after April 2027 I can still freely move £££ from cash to SS and vice versa? The wife…
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Bad time to buy stock?
I have been moving money into stocks but realized that both the S&P500 and the FTSE100 are at an all time high which did not bother me at first since it is possible for them to still grow in one year's time. After checking the graphics historically I noticed that nearly the whole growth stems from 6 months of increases up…
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Most recent: Cash ISAs: The Best Currently Available List by CuparLad
25 February at 4:56PM
