-
Savings accounts on Open Banking
I just have a question, why do all savings accounts not appear on Open Banking when linking bank accounts from other providers? It affects apps like ClearScore where it looks like you have less money than you actually have. Also, the bank accounts where it shows how much you spend and it takes into account all accounts…
-
ETF in Euros
Hi, I need to understand whether I can use my Barclay Euro Account (different from the international one) as a deposit account for investing euros in ETF. I called Barclays but they weren't able to reply clearly. Any suggestion? I am not a financial expert... Thanks!
-
High interest easy access on £200k
Hi all, I'm hoping to sell my London apartment this year and will release c.£210k in capital. In the short term (6-12 months) I'll be moving in with my partner while I search for a new property to buy outside of London. My plan has been to put the capital into a high interest current account with a 4.7% interest rate (at…
-
Cashing in Premium Bonds
Hi All, I want to cash in my Premium bonds for a house purchase on 24th Match. Is it possible to leave them in for March's draw and have them cashed in on time for the house purchase?
-
Conflict of Interest
Morning all Background: We borrowed 10k from my parents to buy a car. Very amicable, and they are not putting under any pressure to pay them back. Situation: We set up a 3.65% savings account that pays monthly, and compound interest on the interest. Currently £2k in there earning £7 interest at the moment, and we pay £170…
-
Capital gain tax on stocks and shares
Hi all. I want to confirm that my understanding is correct. 1. Capital gains tax on S&S is net gains (and not disregarding the losses)? 2. Deadline for self assessment has passed (31st Jan). How do I inform HMRC of my capital gains from S&S in Feb and March? 3. For those of you who have to pay CGT on S&S, any advice on…
-
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…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21K discussions
158.2K comments
Most recent: Question re moving maturing ISA funds and adding additional amount by friolento
Today at 8:37AM
