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Maturing Santander "Edge" Saver
My Edge Saver will be maturing soon. Does anyone know if I can just close it and open another?
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Weird graphic on Chip App
Opened a Chip account last week and added some cash. The fancy little graphic on the app's opening screen shows what appears to be a graph of my contribution history (no idea why other than to make it look nice). The point is though that it zooms up to the level of my balance and then appears to decline. Any explanation…
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Financial advice....but non-specific!!
Hi all,Not sure which catagory to put this under as I need some advice. I would like to find someone who can look at my whole financial picture and advise me what to do! All the websites ask you to specify, investments/property etc but I need a one-stop person to look at eveything. Do they exist?! We have been offered…
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Truelayer
I want to open a Tandem savings account, but you have to link your current account via a system called Truelayer or something similar. I'm nervous about putting my online banking password etc through this platform. Is it safe?
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%.The available SES has an interest rate of 6% including a 12 month bonus of 1.5%.To achieve another 12 months of 1.5%…
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Raisin - anyone else had issues with delays in transfers?
Hi Closed a notice account with Raisin, termination date 8 Jan - no sign of the money the day after so called them. Advised at first that transfers take up to three working days to appear in the Raisin account, yet their own FAQ section on notice accounts states two. Call handler agreed that money should be in my account…
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Best short term interest
Hi, I've just inherited about £118k from the sale of my late father's house. I am using it as a deposit to buy my first home but it will be about 3-6 months until completion. While the money is just sitting in my bank, is it a good idea to put it in an instant savings account to grow a little? I'm with Monzo and have an…
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Online banks vs High Street brands (Easy access savings query)
Hi, My parents have money in NS&I easy access savings and the interest rate is 3.3%. The money needs to be easy access so it limits the options but I've been suggesting somewhere like Cahoot who are currently offering 4.55%. I've explained they could be getting another £2000 extra a year in interest but they don't trust…
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20 Year Old Investment Bond
I am a basic rate tax
payer and just over 20 years ago I took out a (non ISA) investment
bond with Aviva and have not added to nor withdrawn funds from it. My understanding is that the annual 5% non taxable withdrawal
allowance rolls over and I could now withdraw the original sum
invested in its entirety without incurring…
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charter savings bank
Does charter savings bank have cash flow issues, now that their savings rates are no longer top-dog? I have been waiting 3 days for funds to be transferred from a closed savings account. Customer service is overloaded.
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Finance Advisory AG Trading Platform ?? SCAM ??
Hi, just new in here, but am familiar with MSE Does ANYONE have any info/experience with Finance Advisory AG who are an online Trading Platform pls ??
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Dividend, which year tax paid?
I tried searching, but unable to find. I have some Vanguard LS100 income units in a GIA and it just paid out the divvy income 02JUN. The data I read says. 31MAR25 is record date. 01APR25 is EX-divvy date. 31MAY25 is payment date. *** Is the above divvy income to be reported in year 2024/25 or 2025/26 to the HMRC? Tks in…
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Maximising Savings
Evening All, I am in the process of receiving some inheritance I am just wondering if I’m on the right lines with what I am doing with it. With what I have got so far I have maxed out ISA for this year and also premium bonds. Mindful of having over 85k in the account I have split into two others which had pretty good rates…
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Trusted Banks with higher interest rates
Hey experts A newbee here, I have only accounts with Nationwide and lloyds looking for more options to open Savjngs account + ISA which offers better interest rate i understand most of the UK bank are protected upto £85K I like to hear which are the Banks people trust more I have tried to google but confused and as so many…
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lemonfool investing forum down?
Is the lemonfool investing forum down? I don't seem to have been able to access it for a number of days at least, and various website status sites seem to also suggest that it is currently down? I hope that the site hasn't closed down entirely as there is some useful investing discussion there. https://www.lemonfool.co.uk/
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Nationwide 5.5% (FIXED) Member Bond
18 Month Fixed Rate of 5.5% on upto £10,000 Online: https://www.nationwide.co.uk/savings/member-exclusive-online-bond/ In Branch: https://www.nationwide.co.uk/savings/member-exclusive-branch-bond/
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Equalisation for funds generating interest?
I have some funds in a GIA which I want to put into a money market fund (Royal London short term). The Inc. version pays interest twice a year. How is this treated for tax purposes? Is the first payment divided into taxable income for the period since purchase and non-taxable equalisation for the period before purchase,…
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Trading212 keep telling me I've logged in from a new device
This is probably a bit of a tech question but I'm asking here as there'll probably be more readers with experience of Trading212 here I only access T212 on my desktop PC or my Android phone via their app but every time I do, I get an email saying Login From New Device. I've looked under Devices in the settings part of the…
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Tembo Cash Isa
I was about to transfer my Cash Isa to Tembo. Having checked the FSCS website. I was alarmed to see that Tembo are not covered by the compensation scheme when using the FSCS? See screen shot below Why are Tembo being recommended if they are not backed by the FSCS compensation scheme? It's left me worried about trusting any…
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Nationwide Members bond 5% 18 months up to £10K
In case anyone is interested and a member of Nationwide, they are offering a 5% 18 month member bond where you can put up to £10K in - has to be funded within 14 days of opening. Seemed quite attractive to me so I have applied to open one up. I guess you have to put all the money in at the start.
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