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West Brom experiences
I applied for the Triple Access Saver (Issue 1) 4.55% on 11-Nov, I got the email saying it’s in progress. finally got an sms on 20th saying it’s been approved and they would email me details of how to add cash. Eight days later, not heard anything checked all my junk folders etc. I know they have my email correctly.…
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DF Capital
I recently opened a 24 months bond with DF capital following comments on here about them being a good bank. I put in the maximum 120k which is protected by the FSCS. Everything went well but today I received this questionnaire, which I am asked to complete and return to them. It feels very invasive and I have never had to…
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Loanpad reduction of interest rates
From 05 January 2026 Classic / ISA Classic 4.90% Premium / ISA Premium 5.90% From 01 February 2026 Classic / ISA Classic 4.80% Premium / ISA Premium 5.80% I was expecting something like this from Loanpad following the recent BOE interest rate reduction. I suppose it keeps a reasonable premium over safe cash ISA rates. I…
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How long until an account (NS&I in this question) gets marked as dormant?
Looking at having an end of year spring clean & basically getting rid of any accounts I don't use. Streamlining the spreadsheet & management. Since Halifax chopped their rewards I have no use for the NS&I account. Since I help manage numerous family members accounts also that's 5 accounts in total. I was just about to…
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How can I get my nest egg to work a bit harder?
Seasons greetings everyone. Currently I'm in the process of financially preparing myself for a reasonably hefty inheritance tax bill. Who knows when the day will come, but one way or another on top of having the bereavement to deal with I'm looking down the barrel of well into a 6 figure IHT bill. I've spoken with various…
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Mobile phone screen lock for Snoop Savings
A technical query regarding Snoop Savings on a mobile phone..... Should a mobile phone screen-lock PIN be used in addition to the Snoop PIN or is the Snoop PIN on its own (without a screen lock) sufficient security?
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Tax on stocks income
I am trying to understand the way income tax works with stocks. I read that the capital gains tax depends on the income tax band that you are in from your job. But what I am struggling to understand is whether income from shares can.. push you into another tax bracket? I looked this up online and the response was a…
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Can you help me understand my tax code?
Like many others I have received a tax code change relating to underpaid tax on interest. Can I check my understanding of how this works? 1. My tax code for 2025/26 starts the year assuming I will earn the same interest as the actual interest I earned in 2023/24 2. This time of year HMRC have received all of the…
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Spring Savings
Well looks like they are in the middle of a major mess up. On my tablet app this morning there were 6 notifications of transactions for small amounts coming in and out of accounts none of which mine (the last 4 digits of the account Number was quoted in each notification) all timed around 0530 this morning. Strange to…
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TSB Voucher and RS
Anybody opening a TSB account to get the £25 Amazon voucher, and then opening the RS?
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Interest reported to HMRC in wrong year
I've just found that Paragon and JN Bank have both reported interest to HMRC in 24/25 that isn't taxable until 26/27 (because its been added to a fixed term savings account). Consequently, that interest will be taxed in 24/25, which is going to cost me about £600 in incorrect tax. Not sure if all banks are the same, or its…
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Fixed Rate non-ISA Bonds, straddling 2 tax years: new 22 per cent tax rate on interest
I have noticed this. (I think). Does anyone have any comments? There have been several prior threads on this site, about when Interest Income should be reported to HMRC for tax purposes, when a Bond is, say, a 2- year Bond. And there is no access to any of it until Maturity. (Not even any option to take it with a Penalty…
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Is this a Gilt/Bond or am I reading it wrong
i'm trying to diversify my portfolio. I have maxed out stocks shares isa, a few single US stocks, vanguard fund, bitcoin (but only a small % of my portfolio)... I was trawling through YT looking at investing ideas in uk and came across Gilts. So my basic understanding is you put X amount in a gilt, leave it for X years…
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Moneda Capital Warning
There have been a few threads in the past about Moneda Capital that seem to have disappeared . The bank they claimed to be working with has confirmed that they have no contractual relationship with them but interestingly Moneda Capital has now amended their advertising. Although they are still targeting social media…
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Coventry Building Society - Unable to log in
Tried logging in a couple of times on different devices but no joy. Anyone else having this problem? Thanks
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Hargreaves Lansdown
Anyone with an account with Hargreaves Lansdown on here? If so, do you keep any record of how much you have in it? I tried to do a screenshot a few years ago every few months but that doesn't really mean anything in terms of proof of how much you have in your account should anything ever happens and you can't access your…
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Premium Bonds after a death
We lost Mum in August and kept her PB’s going until we got the grant of probate. She won £25 in November but NS&I won’t pay the estate as she’d signed a mandate to re-invest and purchase bonds with her winnings. They say that bond is void as you can’t purchase more bonds after death. Surely they should then pay the £25 to…
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Cashing in Stagecoach group plc share certificate
I have an old share certificate for stagecoach group plc which was issued to me in 2017 after I left the company which was part of a company share program I was enrolled in. The certificate was issued by Capita and was for 1,744 shares. I have now gone to try and cash in the certificate but I cannot as apparently the…
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Revolut Savings Accounts and FSCS Protection – Are They Safe?
I’ve been looking for a good high-interest easy-access savings account and noticed that Revolut is offering around 4.50%. https://i.postimg.cc/5t9RmxNp/IMG-6946.png However, I couldn’t see Revolut in your popular website’s (moneysavingexpert, becleverwithyourcash etc) list of top savings accounts — is there a reason for…
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Cash ISAs vs standard savings accounts
I remember a few years back Cash ISA savings rates were almost always lower than standard savings accounts. Now it appears to me that they are broadly similar. Does anyone else agree with this, and is this equivalence likely to continue now that rates are falling.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
165.5K comments
Most recent: Virgin Cash ISA Stopped Receiving Interest by westv
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