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HMRC Personal savings allowance
My aunt passed away in May of this year (2025). I have received a tax calculation for the tax year 2025/26 which does not show any personal savings allowance against interest received for April and May. However, HMRC have included this as other income which has reduced the amount of PAYE to be refunded in this tax year .…
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Base Rate Held
As title ….
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Interest from bonds within a general investment account
I thought all UK financial institutions reported "interest" to HMRC but it looks like interest from bonds within a General Investment Account is not reported. Can anyone confirm this? I think I may need to make HMRC aware of this extra interest that hasn't been paid for several years. I think HMRC may be more lenient if I…
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Aviva Savings Gift card
Opened a savings account with GB bank via Aviva savings back on 23rd July.Put £10000 in and supposed to receive an email to pick a £20 giftcard but have had nothing.Rang Aviva a week ago said i should get one within a week but still no email. Has anyone on here received one or had their giftcard. I am going to have to ring…
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Interactive Investor £200 incentive to move pension. Can be stacked with Quidco?
Hi, I have a small old work pension worth about £15,000 and was considering transferring it to Interactive Investor. I noticed they’re currently offering a £200 incentive for moving a pension into a new SIPP with them. I was wondering if this would stack with Quidco’s offer? Many thanks,
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Cahoot/Rapport
I have just joined Cahoot, and they advise installing Rapport software. Firstly, should I? I use either Chrome or Firefox on Android tablets for internet banking. No apps. On home wifi only. Secondly, in the event of any issue, would I potentially not get reimbursed if I haven't used the software they've suggested?
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Advice please regarding investment bond 5% rule - after a capital reduction.
I invested £300,000 in a bond many years ago. I have taken the full 5% per annum cumulatively, but in the early years I withdrew half the capital to help build a house. Is the 5% now calculated on the original £300k or the residual £150k? My IFA says the latter but everything I read on line suggests the former but I cannot…
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NU Portfolio Step Down Option
I took out a NU Portfolio Step Down Option 20 years ago and have received 5% income each year. I would now like to pass the Gift ie. cash in the bond, for my two sons is this possible and are there any tax implications.
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Protecting child savings
Are there any other ways to protect savings for your children, other than a child ISA. I’m at the limit for that for this year but have other money I wish to protect for them. Thanks
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Can an GIA become negative?
I have recently done a referral on Monzo for a GIA. Basically they have given me £10 for free to invest in their GIA. Very straightforward. I don't really care about the money so I am just ignoring the account but my question is.. can this account actually go into the negative making me owe them money? I know that stocks…
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Monument Bank
Does anyone have the legitimate email address for this bank
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Melton Building Society - Standing order not credited after nearly a week
Hi everyone Last Friday, my normal long-standing standing order left my bank account but has still not been credited to my Melton BS savings account. I notice that there is a banner on their website about issues crediting interest but just wondered if anyone is having the same issue as me? I sent a message but haven’t…
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Need to move funds
Hi, I have 3 weeks left until the chase boosted rate ends. I need to move the funds into another high interest account for a month whilst I hope chase send me another boosted offer. Any recommendations please? I did try Chip but then found out it's just 3 withdrawals per year. Thanks
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£100 Amazon voucher for Santander account
I tried 3 times to do this via the link for Santander's Everyday Account and kept getting 'Something Went Wrong' message. I had just put in my name and surname in the blue bars. Can someone please tell me exactly which link to do this from on the MSE website. Thank you!
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Notice of interest rate reduction on notice accounts
I've got a 95 day account with RCI Bank still paying a generous 5.6%, although not for too much longer. Their summary box says "The interest rate is variable, and we can change the rate of interest on existing accounts by giving you at least 109 days’ notice" I have a 90 day account with Oxbury which says "Oxbury can make…
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Zopa Biscuit account
I've just opened a Zopa Biscuit account, after MSE recommendation, and have had massive problems from the word go, including inability to access the money we've transferred in and now they have closed their telephone helpline due to 'technical issues'. This means that we currently have no access to significant amounts of…
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Disabled Persons Trust
Hi All, Trying to navigate investing money in my son's disabled persons trust fund. It seems some platforms (Interactive Investor, Trading 212) do not accept trust accounts. Has anyone on here found a low fee platform which does accept disabled persons trust accounts? many thanks
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Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshireChorleyDarlingtonDudleyEarl…
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Fund Selection
I wanted to try to set out the process that I go through
when I’m looking to add a fund to my portfolio but it became too lengthy to be
useful. Instead, I decided to set out some of the key actions that I go through
in the hope that others will point out important steps that I have overlooked
and will contribute…
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ii accounts
May I ask whether ii offers separate accounts eg one account for S&S ISA and a separate account for S&S ? I asked as ii tells me that they are all under one account. So if i transfer in a cash ISA to buy S&S ISA it will be in the same account, and I will need to keep track of it myself. Does that sound right? It does not…
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