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Can an GIA become negative?
I have recently done a referral on Monzo for a GIA. Basically they have given me £10 for free to invest in their GIA. Very straightforward. I don't really care about the money so I am just ignoring the account but my question is.. can this account actually go into the negative making me owe them money? I know that stocks…
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Monument Bank
Does anyone have the legitimate email address for this bank
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Melton Building Society - Standing order not credited after nearly a week
Hi everyone Last Friday, my normal long-standing standing order left my bank account but has still not been credited to my Melton BS savings account. I notice that there is a banner on their website about issues crediting interest but just wondered if anyone is having the same issue as me? I sent a message but haven’t…
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Royal Mint Login Issues
My second attempt to post this questio as the original seems to be mysteriously locked?? Apologies. Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page…
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Need to move funds
Hi, I have 3 weeks left until the chase boosted rate ends. I need to move the funds into another high interest account for a month whilst I hope chase send me another boosted offer. Any recommendations please? I did try Chip but then found out it's just 3 withdrawals per year. Thanks
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£100 Amazon voucher for Santander account
I tried 3 times to do this via the link for Santander's Everyday Account and kept getting 'Something Went Wrong' message. I had just put in my name and surname in the blue bars. Can someone please tell me exactly which link to do this from on the MSE website. Thank you!
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Notice of interest rate reduction on notice accounts
I've got a 95 day account with RCI Bank still paying a generous 5.6%, although not for too much longer. Their summary box says "The interest rate is variable, and we can change the rate of interest on existing accounts by giving you at least 109 days’ notice" I have a 90 day account with Oxbury which says "Oxbury can make…
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Zopa Biscuit account
I've just opened a Zopa Biscuit account, after MSE recommendation, and have had massive problems from the word go, including inability to access the money we've transferred in and now they have closed their telephone helpline due to 'technical issues'. This means that we currently have no access to significant amounts of…
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Disabled Persons Trust
Hi All, Trying to navigate investing money in my son's disabled persons trust fund. It seems some platforms (Interactive Investor, Trading 212) do not accept trust accounts. Has anyone on here found a low fee platform which does accept disabled persons trust accounts? many thanks
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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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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…
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Fund Selection
I wanted to try to set out the process that I go through
when I’m looking to add a fund to my portfolio but it became too lengthy to be
useful. Instead, I decided to set out some of the key actions that I go through
in the hope that others will point out important steps that I have overlooked
and will contribute…
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Trading 212 Cash ISA - Borderline discriminatory???
Hi All, First posting newbie here. Just wanted to convey my disappointment with the Trading 212 service. After helping my elderly mum with her accounts after she has been in hospital for over a month with a life altering condition I wanted to help her and make her money work for her by transferring her current ISA to the…
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ii accounts
May I ask whether ii offers separate accounts eg one account for S&S ISA and a separate account for S&S ? I asked as ii tells me that they are all under one account. So if i transfer in a cash ISA to buy S&S ISA it will be in the same account, and I will need to keep track of it myself. Does that sound right? It does not…
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Progressive Building Society - 7% Reg Saver?
Posting a specific thread on this as the general RegSav thread is too busy and thriving for me to follow easily. Hope that's ok. I have an RS with Progressive BS and think I'm only getting 5.5% But I had an email from them which was showcasing a 7% RS. I had to "Make an enquiry" as it doesn't seem to be an account I can…
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Zopa savings pots
I've just been offered the increased savings rate of 4.75% on my Access pot with Zopa. I see that if I open a new pot, this will also be 4.75%. I've currently got some 7 day Boosted pots only paying 3.33%. If I give the 7 days notice, will these then become Access pots at 4.75% does anyone know? I guess I could just open…
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CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
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Got a lump sum redundancy payment
Hi All, I got a lump sum redundancy payment over £40k and unsure how to invest it. I am currently invested in index funds (global index funds). I am currently applying for new opportunities but the economy not the best
currently.
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Hodge Banking
This week Martin suggested Hodge Banking Easy Access saving account offering 4.21%. So I went to their web page which confirmed this and registered an account. However, the account, when registered showed 4.13%. I have emailed them requesting an explanation. Has anyone else had a similar experience?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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