Savings & investments

I understand that a Saffron BS Online Bonus Saver processes payments in and out on the same day if made before 4.00pm on a working day. How long do in and out payments take?

Hi, I’ve mistakenly opened two isa,s in my name, meant to open one in my wife’s name but mainly due to moving house last week I stupidly opened another one in my name. I am assuming I would just get taxed as a normal account and it would be no advantage if I closed an older isa account? Any advise would be welcome

I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…

I gifted some shares to my wife back in the mid 90s, resulting from my company's profit sharing scheme. We are now thinking of selling some, but finding it very difficult to calculate potential Capital Gains tax liabilities, for many different reasons! Demergers, name changes, share consolidations etc etc and we don't even…

I am potentially going to avoid buying a property, and instead lodge or rent. So I will have over 100k to save which I can't put into an ISA or pension all at once. Talking to AI suggested I could put 50k into premium bonds. It also said the remainder I could buy GILTS which have a short term such as TN28 as another way to…

my IFA (who is also my son) decided that he no longer wants anything to do with me, do not know why, but in September 2025 he stopped managing my portfolio, which is with Quilter, he did not inform me that he was going to do this, and I only found out this week, when I realised that there wa no advisor fees coming out. i…

I recently won £10,000. I knew for a couple of days this was coming so I opened a Cahoots savings account to get ready to receive the cash. I put £100 in to set it up. You have to wait between four and six working days to get your two letters with a username and a 5 digit security number. I received these and tried to log…

Question please about downgrading a Natwest reward account. Firstly if I downgrade to a Natwest everyday bank account can I still have a Digital regular saver? If not will this just close automatically and the contents transfer to the everyday current? 2ndly I've got £5 cashback pending which will probably not be available…

Checking my PEP this morning…I've a feeling this might be a high point this year the way things are going generally.

Just out of interest. Does anyone know why it takes so long to do a transfer from Charter to your linked bank account. You have to request the transfer before 3pm for it to arrive by the end of the following day. Bank holidays and weekends don't count so could be 4 days on a bank holiday weekend. Are they doing this…

Hello, I'm invested in the OEIC fund on Vanguard Investor. Has anyone just gone all out and swapped their entire holding for the ETF version yet? I mean all at once, rather than drip feeding large chunks "incase there is a large shift due to world events"? I'm aware pound cost averaging will cost £7.50 a purchase, but this…

Good morning all! Last year i withdreww all the cash from my shares. This morning i recieved a dividend payment. Does this mean i still own shares? Am confused!

Hi My grandchild has a bare trust containing SMT . They will be 18 in a few months. Im trustee. Ive already been selling and removing some of it over the last few years into their cash isa . No room in the isas for this year now, but I sold about a10k part of t of SMT last Fri as I felt suddenly uneasy it would drop a lot…

Hi I've been using regular savers the last couple of years (along with ISAs), but now I've crossed the tax threshold and I'm a higher tax rate payer I'm wondering if this is still the best approach. What I'm not sure about is if pension contributions can be used to reduce tax on savings interest in the same way as with…

We are having trouble sorting out what to do with money inherited from a grandparent by a 16 year old. The money is purely cash as willed to be shared by grandkids, no other stipulations. The executor has the money with a solicitor as there was a house sale etc. We don't know exactly how much it it, which doesn't help. It…

Hello, wonder if someone can help me with my understanding. There is a Halifax corporate bond with a coupon of 13.6% https://www.hl.co.uk/shares/shares-search-results/h/halifax-13.625-perp-subord-bds-regd-gbp I have a mortgage with Halifax of £170k at 4.1 Two ISAs (HL and II) with a combined value of £150k. Would it be a…

Hi all, I was using MSE Gilt Calculator yesterday and I am struggling to follow the comparison to the savings accounts. Let's use the attached example: This Gilt would earn £22.31 return on an investment of £4980 over 45 days (7 Sep till 22 Oct). 1. Take the first 'if you pay no tax on savings': 5.51% of £4980 over 45 days…

They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…

Hello Everybody, I'm currently a second year uni student graduating 2029 and just wanted to get some advice from other people. I'm living at home and will be able to for the remainder of uni and only paying a small amount of dig money. I have a part time job that covers this just fine. The Plan: I was planning on taking…

MSE states you must keep the account open for one year to get the bonus, what it doesn’t say is that you must also apply for a mortgage within that year to get the bonus.