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transferring non ISA held shares into new ISA
As i have maxed out my ISA allowance on a cash isa for the year 24/25 i started buying ETFs in a non ISA account using trading212. From april6 2026 i want to open a stocks and shares ISA using trading 212 using the ETFs ive already bought. Can i transfer these into the new ISA or do i have to sell them and re buy them in…
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Savings interest calculation.
Hello, I'm looking at a regular saver account with a limit of £500 monthly deposits at 4.5% AER/gross. I must be getting it wrong. 12x £500 monthly deposits would total £6000. Then, I presumed 4.5% interest would be added to that, totalling £6,270. (£270 interest). However, the bank's webpage displays £6,145.48 as the…
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Plum ISA
Hello 👋 I'm a bit (a lot!) confused about my ISA. It's my 1st time saving this way, and I struggle to get to grips with money rules, taxes etc due to dyscalculia and autism, and I always feel stupid for asking 🤦🏻♀️ I started it November and only have 5K saved. I keep getting notifications about the end of the tax year,…
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Has Coventry BS pulled the 4.85% easy access 4?
My parents had to fill in a paper form because they wanted a joint account. I posted it back to Coventry yesterday but I can't find the account listed anywhere on their website and the page I had bookmarked loads an easy access 5 at 4.66%.
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FAO Plum (ISA) App users
Hi. So I set up an ISA (Cash) with Plum around a week ago - as it was listed here as the top ISA (variable rate) along with Moneybox. One thing that concerns me is that on the Plum app the amount is just showing as a static figure (i.e. it hasn't increased) In the home menu it's displaying: Your plum value 15,000 Pockets…
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Moneybox or Nutmeg for S&S ISA?
Hello all, I am a pretty novice investor, and realistic that I will never get much beyond that (obviously I try my hardest to become more informed, but my brain struggles to 'do numbers'). I have invested in lifetime ISA (stocks and shares), over-paying into my pension etc, so have some experience. My partner is much more…
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Saving advice on £80,000 please
Situation- I am about to receive some compensation to the tune of about £110,000 due to a misdiagnosis. I am not sure what to do with the money to maximise my interest earnings etc. It’s unlikely to be paid this side of the financial year. Married/ 35 years old Mortgage- £270,000 left/ 30 year mortgage- currently…
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Possible 40000 inheritance.
Hi, Having always,been on a low income I am about to inherit what to me is a large amount of money. (I know in the grand scheme it isn't but...) It is already a mixed feelings inheritance as it's after the death of my remaining parent. I'm in receipt of UC for depression and anxiety and have actually always found having to…
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Barclays Subordinated Bond 2026
Thanks for some of the topics about government bonds and how they work - helped a lot. Now question about: Barclays Bank plc (AA18) 5.75% Subordinated Notes 2026 GBP If it pays coupons every September, if I buy £10k worth of it now (£102.50 buy price) I will get £9750ish of it and I will be paid £575 twice during 18…
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Child Trust Fund...Advice needed please!
Hoping somebody may be able to give me some advice and further guidance. I have been helping my daughters partner to try and locate his child trust fund. (He was born 30/09/2002)Just as background, he lived with his parents when he was younger, but then lived with grandparents during his teenage years.As far as he was…
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Monument source of wealth
I received an email from Monument asking for source of wealth and they send me a link to upload documents. I already cleared the account the last month since they reduced the interest rate so I am not sure why they are querying an empty account. They are not clarifying exactly what they want. Usually they say how many…
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First Direct Regular Saver funding?
FD t&c are that the payment has to come from the customers 1st current account. Not only do you have to specify to FD admin in advance the amount you intend to invest in a given month you can’t increase it to the max £300 if you made a lower payment prior in that month. Inflexible and rigid terms. What I would like to do…
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Barclays Rainy Day Saver no interest credited
Hi, I've got the Rainy Day Saver open and since October last year the balance is £1 to satisfy the minimum balance requirement. Barclays states they pay interest on the first working day of the month. However, even with just £1 in there I should have been credited with 2 pennies between October and March but nothing. 1st…
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Child account funds held till 21
Hi my parents want to open bank accounts for their grandchildren and put a lump sum into it but with no access until age 21. They went to Nationwide and were told they can't do anything as our 8 year old is too young. They also spoke to their solicitor who confirmed this was correct? Any advice would be great, thanks.
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Inheriting shares
My wife is in the process of inheriting some HSBC shares. Does she need to open an HSBC Invest Direct account to hold these shares, or are there other ways to accept the shares when probate is finished? Can she, for example, open an investment account with another bank, say Lloyds or Barclays, to hold the HSBC shares? All…
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Interest on Savings Account - The Tax Year Interest is Recognised As Being Received
I am just looking to double check my understanding of the situation in relation to savings account interest and when it is recognised as having been received or paid from a tax year perspective. As I understand things, interest is counted in the tax year that you CAN access the interest, rather than the year that you DO…
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Shareview
I inherited some shares from my mother and filled in the necessary form to transfer the shares in my name and the transfer went through a couple of years ago. Have not really paid attention to the and would now like to transfer them to trading 212. However they need to be digitised. i have an online account where the…
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GB Bank - The Good? The Bad? The Ugly?
I'm looking for an easy access savings account, and GB Bank currently seem to have a fairly enticing offer at 4.6% AER with a reasonable minimum opening balance and unlimited withdrawals, but I just don't seem to be able to find much information about them (apart from their own website). Does anybody have any personal…
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USD to GBP (update)
I posted few weeks back .. situation has moved on.. I am from UK and bank in gbp with natwest in UK - I have a 6 figure sum from US in USD now arrived in WISE - not comfortable having it sit there, have no clue about currencies BUT noticed how USD to GBP is at 90 day low at 0.77 even if it went to 0.78 makes quite…
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Zopa Bank current account plus savings at 7.5%
My partner has just received an email from Zopa offering him a current account with linked savings at 7.5%. Has anyone had any experience with Zopa as a current and savings account customer? We are saving for a holiday to Australia and so want to get as much help as we can with interest but when I searched Zopa on here…
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