We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Savings & investments

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

Annual Tax Cert' - Principality BS
I just received my annual tax certificate from Principality for year ending 5.4.25 It seems to only include open accounts and not any matured/closed during the tax year. In my case there are 3 accounts missing from that annual statement......just as well I keep my own records. Anyone relying on receipt of accurate info…
Correct overall allocation
As I only have some basic information about investing, hence, I have chosen a global index tracker, as it 'mirrors' the market weighting . However, it includes some home bias. I am aware there are trackers which excl the UK but then it does not reflect the market allocation. How do others deal with this (including non…
Is this allowed or is it considered an abuse of the system?
I recently came to learn that if I open a SIPP and deposited the money I have in my S&S ISA into it, the government will give me an additional 20% on top. Here's what I currently have. Company pension that matches my contribution up to 7.5%, which I'm maxing each month. Then I have my S&S ISA which I invest into each month…
Charter Savings Bank - deposits & withdrawals questions
I've just opened a savings account online, and have sent a test £1 deposit, which I'm waiting to see in the account before I transfer more. I was wondering whether existing customers could answer a couple of questions: 1. How quickly do deposits (via bank transfers) typically appear in the account? 2. How easy and quick is…
Secure Trust Bank logon problems today
Has anyone else experienced problems when attempting to logon to Secure Trust Bank Internet Banking? I use a bookmarked URL and usually get asked for user ID, password and then 2 characters of my memorable word. However, today I was also asked for my email and DoB, which then failed, despite being correct and now stating…
When is tax to be paid?
Hi, I have several savings accounts opened in April and May 2024. One of them pays monthly interest into my bank account, I know when to declare that to HMRC.Another shows interest accrued monthly on the statement but the interest is only available when the account matures. The last doesn't show any interest that's accrued…
Declaring interest to HMRC
I’m a 45% tax payer and the HMRC quiz tells me I do not need to fill in a self assessment tax return. However, I think I’ve read somewhere that I need to tell HMRC if I’m getting interest from savings, as the bank will only deduct 20% when really should be 45%. But I don’t do the self assessment, can HMRC work this out for…
Starting pension advice please
Hi I am 34, I am fortunate to own my own house worth approx £250000 but I have very little knowledge of pensions and realise I need to start somewhere. I am about to go freelance so my salary will be approx £30000.. I am looking at whether to open SIPP or S&S isa any advice would be much appreciated.
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…
Problem with NSandI site
I keep getting booted off the site, for no apparent reason. Is anyone else having trouble with the site today?
technophobe granny savings account
My wife and I are both approaching our 'sell by' date ... I deal with all finances and have a couple of different accounts that all require smart phone ot computer , which is simple for me ... I want to plan for the eventuality of me going first , in which case my wife would have big trouble managing our money.... She…
Sovereign Gold Bond
Anyone invested in these? Imagine would have done well over the past few years. Besides the link to gold pay an annual 2.5% interest too
Investing money in Trust
My father passed away last August and left his house in Trust to myself and my brother, but has given his partner the benefit of Life Tenancy. She wishes to sell the house and buy somewhere else (which she has the right to do) and any residual money from the sale has to go into Trust for myself and my brother but has to…
Bare Trust - Multiple beneficiaries?
Hi, I'm investigating the process of setting up a bare trust. The intent is to put assets in trust on behalf of two minors (the beneficiaries). What's not clear from my internet research is whether it is better (or indeed even possible) to create a single bare trust with both minors named as beneficiaries, or whether a…
Savings account to send a fixed monthly value to a current account
A family members has asked my help in setting up some kind of account that will drip feed them a small amount of money each month (to top up their salary) without them having the ability to access the capital (to avoid temptation / aid financial prudence). They would be happy to give me the lump sum, but not sure that is…
Abbey National shares
Can anyone tell me how to sell my Abbey national shares. I have already been to Santander Bank and asked them, but they were not able to help me. All they did was to give me a phone number which I did try but no one pick it up.
Drip feeding
After reading advise given on MSE I set about the process of opening an Easy Access savings account with the intention of depositing a lump sum say just for example £5,000 and using the Easy Access account to drip feed my Regular saver account .I bank with the Co-operative bank and can get 7% interest with their Regular…
Direct Payment Schemes for Inheritance Tax (IHT423) - Stocks and Shares
As HMRC have recently (late 2024) changed the rules to enable stocks and shares to be sold before probate is granted so that Inheritance Tax can be paid from the deceased's assets, under their "Direct Payment Schemes for Inheritance Tax (IHT423)", I've been trying to find any provider that has opted into this. I'm…
moving shares
I'm a complete novice with shares, so apologies in advance! I have a few Lloyds Bank shares (from the Margaret Thatcher era) that I want to sell, to simplify things for those dealing with my affairs when I die. They are held by Equiniti Shareview, and I can see them in an online account. They are the only shares held…
Leeds BS online banking broken today?
Yesterday I made a withdrawal from a Leeds savings account with no problems. When I tried the same thing today, I got as far as the system sending a 2FA confirmation code.After displaying a rotating 'busy' icon for some time, a message appeared indicating the code had been sent to my email address.However, no code arrived.…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

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.

View All

Savings & investments

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Savings & investments

Category List

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free