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Money transfer worth it?
Just remortgaged for 2 years and I've been offered a money transfer from existing card 0% interest 12 months 2.9% fee, got 12k limit. Is it worth taking it just to stash in a cash ISA for 4.5%? If rate stays at 4.5% for 12 months i make £160 if I took 10k? I can't imagine ISA interest rates falling below 2.9% in the next…
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Forced into Self Assessment - first timer advice needed (+ a LOT of background info)
Firstly, I have looked at other 'Self assessment first time' posts but nothing seems to fit my circumstances, so I think if I give a little history first so you may understand how I got into this situation in the first place and offer suitable advice Sorry in advance for the long post Many years ago, I had a LOT of…
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Dividends on holdings held within a SIPP
Just seeking reassurance on this. Can dividends paid on holdings held within a SIPP account be safely excluded from the total UK or foreign dividend (as appropriate) figures on SA tax return? Just trying to get my figures together for the 2024/25 self-assessment return and having a moment of doubt.
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Flagstone investment platform problems
I have saving accounts with flagstone but the monthly statement of interest doesn't match with how much I've been paid. I've contacted them a couple of months ago and told it would be investigated but now I just get ignored? What do I do? I'm nearly £500 down.
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Transferring Trading 212 Cash ISA to Vanguard
Hi all I have £18,000 with Trading 212 and £2,000 with Vanguard. I want to transfer that over but in the same account there is about £500 in interest. From what I can see online, that £500 interest will be transferred over too. Does anyone know if that will be counted towards my allowance when it comes in? I know it…
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Savings account vs ISA?
Hi there. I am separating from my partner and am looking to buy my own property by the end of the year. I have £160,000.00 in savings (sitting in a current account) and am wondering what to do with it, until I need it to buy a mortgage - probably towards the end of the year or beginning of next. Should I open two saving…
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Trade212 cash interest protection?
Is it correct that the cash held in your trade 212 account is not protectected By The FSCS?
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GB Bank or Charter easy access
Do GB bank require £1000 balance or just initial deposit 1000+?Do both offer same day withdrawals?
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Where will base rate go in May?
That's the base rate held steady at 4.50% due to global financial turmoil, actual or expected. Are there any considered views what will happen at the next MPC meeting on 8th May? I don't see Trump doing a U-turn on tariffs. But maybe he will be forced to. Thoughts (without being political)?
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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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