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Savings & investments

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

Tax on one year bond savings
Hi All, I'm back with another question. My mum earned £6800 interest on her savings. This matured in December 24. She is a basic tax rate payer. She receives a small work place pension of £570 per month and her state pension of £823 per month. Other income would be a yearly interest earned from savings- approx between…
Invest Engine Information Security Concern
Hi, I opened an Invest Engine Business account, all appeared well while I had little money in it. When I increased the investment slightly I received an e.mail requesting a lot of personal ID and financial information. I am suspicious, I've had nothing in the "Notifications" section of my account. The e.mailer says they…
Accounts using partner banks
I find these accounts quite difficult to get to the bottom of. I'm talking of the "everyone treated the same" accounts as opposed to the self select like Raisin. I'm aware of 4, the simplest is Chip because they only partner with Clearbank. The next I'm aware of is Moneybox. I enquired with them a month or so ago about…
St James Place compensation for investments before 31st December 2012
I complained to SJP under their historic review of ongoing service - I've never had a review since my original partner retired shortly after i invested. My complaint has been rejected because my plans were set up before the different charging regulations were set up in December 2012. I'm sure I am not the only one affected…
Saba Investment Trust Takeover Proposal
US hedge fund Saba Capital has proposed to takeover seven UK listed investment trusts. Any opinions on this? https://www.ftadviser.com/investment-trusts/2025/1/14/inside-sabas-3-6bn-battle-for-seven-uk-investment-trusts/
Ulster Bank Loyalty Saver - When do you get Interest payments?
Hello all, newbie here with a newbie question. I set up a Loyalty Saver with Ulster Bank in March 2024, and I was expecting to receive an interest payment on the anniversary date. However I just noticed that a payment came through in January at the start of the new year, and this is the only interest payment for this…
ZOPA AUTOSAVE WORKS AT WEEKENDS
I set up an autosave to fund my Regular Saver (though I could also do it for any of my other accounts) This month it fell on a Sunday and happy to report that it happened today and I received a notification from ZOPA when it happened just after 6am.
Should I close my NS&I Index linked investment ?
My CPI linked NS&I 3 year investment did very well when inflation hit 10% but now CPI is about 2.5% I would be better off closing the account and getting 4.5% elsewhere ( Oxbury etc ). However once I close the account it is not possible to open another as NS&I no longer offer them.
Releasing money from a Raisin Notice Account
Hi All, At the beginning of January I applied to Raisin to release my funds from a 95 day notice account. Only today have they acknowledged my request and are processing it. I'm due to get a call back with a resolution. On this topic, I need the funds from my account by mid-March for a house purchase, as the delay is on…
Selling paper Lloyds Bank shares
Thanks in advance for reading this folks. So I was bequeathed a few Lloyds Bank shares a few years ago. As part of the DRIP I currently hold around 1000 of these as paper certificate shares over about 12 years. The first two thirds of these relate to my old address - more recent ones my current ones. These are all showing…
Untaxed interest
Hi struggling to get my head round my tax code letter that I received today. It states I have £2571 in untaxed interest. My previous tax code was 1302L which is used mostly against my pension which is £13k a year. I also work part time . My tax code has now altered to 1002L X Is this new tax code just calculated by taking…
Transferring an ISA and yearly allowance.
I am confused because I have had conflicting advice from the same institution! I have a 2 year ISA (opened tax year 22-23) due to mature this month. One option is to transfer the balance to a new ISA with the same provider. The balance with interest is over £20K. I used my full allowance of 20K to open another ISA with a…
Selling shares held by Equiniti Shareview and a Nominee Service
Following my husband's death I now own shares in Santander held in their Nominee Service via Equiniti and M&S and Astra Zenica shares held in Equiniti Shareview. Am I able to sell these shares through x-o.co.uk as they provide a more economical service or am I stuck with Equiniti who I found to be quite tricky to deal with…
Child Trust funds
Hello all, looking for some help here as I don't appear to be getting anywhere fast. My children 17 and 15 had Child Trust funds opened with Legal and General shortly after they were born. About 7 years ago it appears Legal and General sold their portfolio to a company called Onefamily. I have contacted Onefamily who have…
Savings Interest for sums £85K
I am selling my house, and will have a period between selling and buying, I wonder what is the best interest offered for larger sums of money, subject to splitting into 85K FSA protection, I already have an cash ISA
Share dealing platform and my experience with HSBC
Hello, I have several dealing platforms and I bank with HSBC. I've recently opened an ISA with them and I am thrown back in the 80s - where the only thing I can see for my portfolio value is based on the previous day closing prices. No real-time or near realtime updates. Does anyone have experience with a better bank so I…
what does it fall under.......
I have a trading 212 Invest account and I have some GBP in it earning interest. If I exchange to another currency and earn interest on that, is that then classed as cash earning interest or does it remain a asset as I bought it with GBP and when I convert it back does it get treated as a "profit" rather than interest ? I…
Where to put large some of money for maximum short-term return
Hello, just sold my house and now have £130,000 in the bank. Potentially it’s going to stay in savings for 1-4 months until the next house buy goes through. Where am I best holding this cash for maximum return that also means I can easily get it out again ready for my next house sale? My husband and I do have premium bonds…
Best Low-Maintenance Strategy for £28,000 Savings?
Hi everyone, A parent of mine recently passed away, and I’ve inherited £28,000 in savings. I’ve never had substantial money before, so I want to take a low-risk, low-maintenance approach while keeping some funds accessible. After researching online and reading posts on this forum, I’ve put together the following plan. I’d…
Shawbrook bank login through b2clogin.com ??
Has anyone else noticed that when you login to Shawbrook bank you get transferred to the domain b2clogin.com? I haven't been able to find out much about this company but seems very bad practice to route traffic through a different domain. If you saw this on your phone you'd just label it as a phishing scam and ignore.

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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.

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