-
COOP Regular Saver
I've mistakenly paid too much into my COOP Reg Saver this month. Will the whole payment bounce back or just the amount over the limit? How long is that likely to take does someone know? Thanks
-
AJ Bell or Hargreaves Lansdown (or elsewhere)?
I'm very much a set it and forget it with the investing. Every so often I'll have a look - am I paying over the odds, should I invest in anything else/instead of etc. My Lifetime ISA is with AJ Bell. I can't remember exactly why I went with them years ago but it must've been to do with cost & availability. I could invest…
-
Should I move money out of T212 to Plum? And what to do with extra cash?
Hi everyone, I currently have about £75K in my T212 ISA and I'm getting 4.35% AER I can also put in £26K for this tax year as it's a flexible ISA and I withdrew some recently. I also have about £80K available which I haven't put into savings yet. Right now in my T212 account it's all cash, but I like the option of being…
-
What happens to my bank account savings if I die?
Sorry if this is a bit morbid. I'm curious to know what will happen to all my savings in my various bank accounts if I die. I have my savings in cash, Premium Bonds and Royal Mint DigiGold. Most of the cash is in banking app accounts such as Chase, Revolut, Raisin, Moneybox, etc., that only I know about, on my phone, which…
-
Maximising interest with 2 high rate savings accounts.
I want to maximise the returns on £6000 I have saved. while researching I found that for 1 year I could use: MoneyBox easy access ISA variable 5.05% Santander Edge saver 6% variable (balance limit of £4000) Principality Regular saver 7.5% 6 months fixed (£200 p/month limit balance limit £1200) If i put £4000 in the edge…
-
Premium Bonds Suck
After 35 years with a maximum Premium Bond holding ... and having had no wins of any note ... I've finally come to the conclusion that enough's enough ... This month, I won only £50 with my £50,000 holding, which by my "reckoning" is a 1-ish % return ... And one week after the draw, i STILL haven't received my money ... On…
-
Business Savings Account
hello all! looking for the best easy access business savings account. this will be for an LTD company that another company also need to pay into. Thanks!
-
Is this company legit?
Hey, Thank you for your time. My friend and I have made some savings and we are for the first time interested to invest in gold coins. We've come across this company The Pure Gold Company Ltd (registered as The Pure Gold Group Ltd on companies house). They only trade online and that's how all the companies have evolved…
-
When savings - including ISAs - hit £85,000....
I feel sure this is a stupid question, but presumably if and when my ISA hits £85k, I should open an ISA account with a different bank to avoid falling foul of what is protected... Right? And therefore any interest going into an £85k ISA needs to be transferred out for safekeeping.... Right? It just occured to me that if…
-
Resolved
Query resolved
-
Bank miscalculated interest due at end of fixed rate investment - Lessons learnt?
Dear MSE members, At the end of a Sainsbury's Bank, 1 year fixed rate savings account, the interest credit to my account did not seem correct. For ending investments, I do some ending processes, which include checking the interest received calculation.So, at the end of the year, I spreadsheeted several different ways to…
-
Shareholder Tax on outstanding Dividends over several tax years
I’m assisting an elderly relative and don’t know what to do regarding this situation. My aunt has quite small certificated shareholdings in UK equities and has always had dividends paid via cheques. Unfortunately she hasn’t been paying them in and so the dividends need reissuing.I’ve been helping to get these paid directly…
-
SO for Premium bonds
Has anyone set up a standing order for premium bonds? Looking to do this for my OH's account having just remembered he has a small amount. Can you do this via online banking? A quick look earlier suggested taking a form into the bank. What date would you suggest putting for the SO to leave your account? To avoid weekends…
-
Best current interest rate for a charity account
Hallo All. Please could someone suggest where the charity I am involved in can get the highest rate of interest. We want to save some for later projects, while keeping some that we can use straightaway. At present we have a charity account with Leeds offering 2% with no notice of withdrawal needed.
-
2 year investment journey so far, trying not to feel disheartened.
I've been investing for 2 years now, I started off with £500 just to test the waters and then a lump sum and then pound cost averaged in each month, then did another lump sum recently during the tariff crash so the chart looks a bit distorted but here's my progress so far. I was up like 26% or so at one point before the…
-
Funding the 7% first direct regular saver? P.S. Changing the standing order date will lose you cash
Having opened a fd current account I’m now eligible to open their RS. They stipulate paid by monthly standing order from the fd current account on the monthly anniversary of account opening. I’d prefer to manually fund from another bank straight to the RS. The fact you can fund less than £300 but carry any less funding…
-
Advice to boost savings
Hi Currently have around £140,000 in savings which I am earmarking for a first time house purchase. Historically been quite good at switching to chase the best interest rates, but lagging lately and hoping for some ideas on how best to spread it around/move it. Current position: - Chase easy access savings account ££63,000…
-
Independent Financial Advisor
For money that has to be put into a Trust so a low rate of interest if just put into a bank, what amount would people consider worthwhile to get one?
-
Pension investments
Hi I really hope someone here can help or at least point me in the right direction. Some years ago I invested a small pension u gas with a company Called Montgomery King I am now considering retirement on health grounds and have found out they have gone bust ! The money I invested was for land of which I purchased in…
-
Best 1 year fixed rate savings accounts available? Including “loyalty” rates for existing customers?
I’m looking to open a 1 year fixed rate savings account before the rates drop any further. Currently looking at Cynergy’s 4.56% 1 year bond. But is there anything better out there? I’m an existing customer at lots of banks and building societies so maybe there are some loyalty rates that I’m not aware of? Basically, can I…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.1K discussions
159K comments
Most recent: ISA transfer experiences by Chaykin
23 August at 8:27PM
