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Savings & investments

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

Leeds BS online banking broken today?
Yesterday I made a withdrawal from a Leeds savings account with no problems. When I tried the same thing today, I got as far as the system sending a 2FA confirmation code.After displaying a rotating 'busy' icon for some time, a message appeared indicating the code had been sent to my email address.However, no code arrived.…
Saving acc no interest
I want to save an amount every month but I dont want any interest.Do I just get a current account? Or are there any saving accounts out there that reward you differently without interest coming into it?
Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshireChorleyDarlingtonDudleyEarl…
Paying tax on interest
I am employed and self employed. As I understand it , you need to declare what interests you have earned on savings in your self employment tax return and then pay the tax due. But also if you are employed it will come out of your pay as HMRC will change your tax code accordingly to collect it in the next financial year…
Global tracker or diversify?
If global trackers hold approx 60-70% US stocks, in proportion to global market weighting, some commentators have concerns that this means being over exposed to US and the days of US exceptional out performance may be coming to an end. Some therefore advocate reducing holdings in pure global trackers and allocating more to…
Royal Mail shares letter offering to buy shares but not stating the figures
I keep getting letters from Royal Mail, which I understand they're sending to all shareholders. They're offering to buy my shares but they've not put a single figure in any of the dozens of pages of waffle. How on earth do I work out what their offer is. They're just wasting everyone's time with this endless nonsense…
Need Help On Selling Canadian shares
I am a lifelong UK resident & a shareholder in Great-West Lifeco having acquired my shares when they took over the UK life assurance business of Canada Life (whose shares I had post-demutualisation). The shares are in certificated form and are listed on the Toronto stock exchange (TSX). I wish to sell my shares but I can…
Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
Savings account - life interest in the income
An elderly relative is the beneficiary of a life interest in the income of a discretionary trust. The trust amount is not large and has been in a bank fixed rate account for many years. The bank has traditionally paid out the interest directly to the relative, but now is refusing to do so and says it must be paid to the…
Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
UK asset allocation
Just wondering what people's thoughts are on the proportion of UK equities to hold in an investment portfolio. Not with a view to trying to guess the future, but from a general long term investing perspective.
More problems with Raisin UK & limits of the Financial Ombudsman Service.
The Financial Ombudsman Service covers banks, building societies and payment services but NOT deposit aggregators such as Raisin UK and others. I know this after complaining to the FOS about Raisin UK, waiting for 2 months and then getting the investigator's reply: we have no powers over a deposit aggregator. I emailed MSE…
Changing strategy & reacting to the dip in the market?
I understand the whole timing the market, lack of a crystal ball thing & as such I just pay in my monthly payments & pay little to no attention to what's going on in the world. When Covid landed, I did consider throwing extra cash in to my SIPP but I took time to decide whether I was going to or not & by that time I just…
Capital gains tax.
Hi. I’m after some advice, I have a house which I lived in for nearly 4 years, I then moved in with my partner in his house and rent out my house. I know if I sell my house in the future I will have to pay capital gains tax on money I make when it was rented out but I have decided to leave the house to my daughters in my…
Transferring money to a Financial Institution
I have recently opened a savings account with the Post Office - via a link in the savings advice page on this website/site. When I tried to set up a payment into the PO account from my Nat West account, it told me the the account payee name is unconfirmed. As I had use the the link from MSE and I knew I had the correct…
Trading 212: impossible to log on with facial recognition
Just wondering if I'm the only Trading 212 customer who can't log into my Cash ISA account using facial recognition? It doesn't work on either of my Android phones or on my laptop. I keep getting a message saying "Sorry, we need to restart the recording". It's been like this for a couple of weeks and I've tried every…
Trading 212 problem
My OH is trying to open an easy access ISA with Trading 212, but when he gets to the point where your ID has to be verified, he gets a message saying “unable to retrieve or access required user permissions”. What does this mean and what should he do now? For information, in case it makes a difference, OH is Norwegian, but…
£100 interest limit on kids savings before it's all taxed as if it were the parents
Say gave my son (5 years old) just over £2000 total in previous tax years. I understand there is a rule that if he gets more than £100 interest from money given by a parent, then all the interest is taxed as if it is the parents. Due to the recent interest rate rises, it could push him over the £100 interest. Because…
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.

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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