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Ford Savings
Hi I have multiple saving accounts with Ford savings which I top up monthly with various amounts to help me budget. The interest rate is constantly getting reduced and I have tried to find an alternative bank that "allows" you to have multiple accounts with them with a better interest rate I know about chase but I wont be…
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Melton Building Society - Migrating Computer Systems
Hi everyone Just adding this info for anyone reading the thread now the new system has launched: Pointing out info that may help: 1. Ensure you drop the first 0 from your mobile number 2. For your account number, omit the 3 letters at the beginning and the end of your account number and add a 0 in front. For instance, for…
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Freelancer. Where to put the money I save for my tax payments
Hi Everyone, I am looking for a sensible place to save the money I put aside for my tax payments. I am a freelancer earning about £1,900 NET per week - working about 40 weeks in the year. I normally put £1k aside each week I work or close to that. Anything left over after my tax bill I move to longer term savings eg. ISA.…
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FirstBank - any good?
Hi I'm considering a FirstBank 2 year fixed rate bond. They are in the MSE 'What We'd Go For' recommendations (and FSE protected) but the Trustpilot reviews for this bank are poor and their website has a distinctly amateurish look about it! Anyone got any direct experience of a bond with this company? Or tips to impart?…
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Royal Mail Shares
Has anyone been paid out for their Royal Mail Shares ? I didn't reply to the initial communication as I couldn't find my share certificates. It did say that a reply was not essential. I received a form to claim 'my payout', as a 'dissenter' some time later. I could not locate all certificates, but again, it said this was…
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Tax on savings
I'm a basic rate taxpayer but my better half doesn't work. I'm likely to inherit money from my late mothers estate. It's big for us, probably likely to be about £75k. My question is could my wife invest it in savings and therefor not pay tax on the interest or would we fall foul of HMRC. I'm thankfully now debt free so…
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Wisdomtree DEM ETF dividend currency
Can someone
please clarify the dividend frequency and currency of DEM, Wisdomtree EM Equity
Income ETF. ISIN IE00BQQ3Q067 is priced in Sterling (I would buy it on Interactive
Investor) but the dividend announcement on the LSE
website shows a USD distribution. dividenddata.co.uk
likewise shows USD distributions (quarterly,…
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If you inherited £20k, what would you do with it?
For context- when my Grandad passed, money from the sale of his house was put into a Trust, ready for me when I turned 21. I have used a large proportion of this money for a deposit on a house, and so I now have roughly £20k left over. I have an additional £5.5k invested into a Trading 212 Stocks ISA, investing into the…
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Cahoot prize draw January 2026
* 1 x £25,000 prize * 5 x £2,500 prizes * 50 x £250 prizes Prize draw ends 31 December 2025. Winners will be drawn in January 2026. We’ll pay prizes directly into winners cahoot accounts. Winners will be contacted by telephone, or by email if we can’t reach you Many forumites will automatically get the max two entries, on…
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Regular Savings Accounts: The Best Currently Available List!
The information from the first page of this thread has now moved to a thread maintained by Bridlington1 instead. You can follow this link to find it: The Top Regular Savers Discussion Thread — MoneySavingExpert Forum
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£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
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Virgin Regular Saver Glitch - one application opened two accounts
I applied for the current issue regular saver online, at the end of that process it said something like "we need to check some details". This morning I had two messages, by email it said .. "Good news, we have an update on your Regular Saver Exclusive Issue 3 application.All you have to do is sign in to your application…
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Capital gains tax and state pension in self assessment.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Tax on income and savings
My salary takes me over the 40% tax bracket as I earn £51890 per annum. I do a salary sacrifice into a DC pension which is 10% of my salary and amounts to £5189 per annum. This makes my taxable salary £46701, i.e. 20% tax payer. My question is - am I a 20% tax payer with regards to interest on savings because of the above,…
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Savings Platforms - Worth It?
Just spent the morning investigating savings platforms and noticed, on average, a significantly lower interest rate offered compared to saving directly with the bank/building society, ranging from 0.1% to 0.8%. Whilst I didn't check every single account offered by every savings platform (and some didn't show such details…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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Raisin interest
I had a 3year savings account with Raisin which matured today, the interest has been paid out to my holding account yearly. What I can't understand is why each year the interest has been different. Year 1 £750, Year 2 £756 and Year 3 £747.95 The lump sum on day one was £15,000.
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Can't seem to buy Vanguard Sterling Short Term MMF Income
EDIT I'm a numpty just looking again I forgot there was a slider to show funds that pay you an income 😂😂🤦♀️🤦♀️🤦♀️ I've got existing holdings in the Income version, but going to top up or buy more, I have to go through all the bonds & ETFs available and only the Acc version is now available - is this something othes have…
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Bond fund to replace VLS
Hi, I am looking to move one of my investments (Vanguard Lifestrategy 80 Acc within an ISA) into a Bond fund. I have decided that with the recent good increases in equities, I decided to reduce or remove equities from this particular investment. I have looked at VLS 20 as an easy option, but ideally I would like to move…
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