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Savings & investments

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

Morningstar withdraws portfolio manager and X-ray
I have just heard from Morningstar that they are withdrawing these facilities from June this year. They are essential to my investment management strategy as they help ensure that the portfolio is well diversified across all regions, countries, sectors, equity type, asset classes etc. is there anyone else who provides this…
Invest Engine - Sign Up Offer
Saw something yesterday called, Invest Engine, a few free platform to hold and trade ETFS (at the moment), with a sign up offer of £50 added to your account even you deposit £100 and hold it for a year or more. Seems pretty decent to me for a sign up offer! Anyone on here taken them up on this?
Winsor Life
Any sign of existence?
23 and no idea what to do with my savings
I've recently graduated uni and while living at home I've got a total of £14k in savings and I'm now at the point where I feel I should be looking at investing it. l have some of it in a help to buy ISA which I'm looking at moving to a L-ISA but I feel as though I should be putting some money towards investing but I don't…
Monument ISA transfer rate
Hi, can anyone confirm IF the rate is the same for a transfer into a Monument instant access flexible ISA As your existing 2526 allowance - I.e 4.76% AER. It’s a bit confusing because initially they said that rate was only available for deposits made for your current tax year allowance not transfers, and then they added…
Scottish Widows Harvest Savings Plan
Oddly, I have just discovered that I have the above policy...taken out in 1982 (I DO NOT remember doing this, and doubt that I would have been in position to then). It tells me that it is a uk growth fund, with 934.12 units and is currently valued at 2,107 pounds.... q.1... will it go up in value? q.2. should i cash it now?
Shawbrook beware
You’d think that when an account matures and you have decided to renew and what term you require that you would get the higher of the rate offered in the maturity options and the rate at maturity date. Most banks offer this with the associated safety net that lower rates at maturity date won’t have any impact. Not…
Charter Bank Deposit
Hi all. I've managed to get accepted for the Charter Savings Bank account. I tried before but they said it wasnt accepting new members. But there you go .. Anyway, how do you deposit money into the account? I've set up my nominated bank details. Do I have to wait until they send another email to authenticate the account or…
NS&I's one and five-year British Savings Bonds are back
NS&I has refreshed its range of fixed-term 'British Savings Bonds' by bringing back its one-year and five-year options and boosting rates. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read…
Stocks & Shares: General Investment Account - Tax question
I’ve recently started investing monthly money into a S&S ‘general investment account’ with AJ Bell.I don’t plan to withdraw any money at all for at least 5 years and just looking to build up another savings pot for when I retire. I also use (and max out), my annual ISA allowance.My question relates to the yearly tax…
HMRC Tax Code changes are on their way
I don't mean generally, but for those of us who have exceeded our PSA. Confusingly though, the notification I received this morning via their app was a Tax Code change for 24/25 based on estimated untaxed savings interest for this tax year. Yet, when I check for tax due on my untaxing savings interest for 2023/24, it still…
Vanquis Savings Bank - no payment showing
I set up an ISA and paid £100 in on Monday. Now it's Thursday and no payment is showing up. It should have been there by the end of Tuesday. Have sent 2 messages to Vanquis Savings Bank - no replies so far. Any suggestions?
Problem transferring money from Co-Operative bank to Tembo ISA
Hi folks, has anyone had problems paying money into a Tembo Bank ISA from their Co-Operative Bank current account. I can't find a way of doing this and the email string with Tembo customer services offers little in the way of clear instruction. Co-Operative Bank is not part of the open banking which is what I think the…
Failed sign up on Revolut
I tried signing up to Revolut and got as far as taking pictures with head turned to the side. At the point I became utterly frustrated after many attempts and gave up the process. However prior to that point I supplied Revolut with an awful lot of personal information e.g. driving licence, name address telephone no. etc. I…
TSB Share Selling
My Mother-in-Law has some TSB shares that she wants to turn into cash - what is the best way to do this - meaning the best combination of VFM and simplicity? Thanks
Additional £5000 Personal Savings Allowance
I understand the rules for how low income earners may have additional tax free savings allowance and so my only query is if someone has never completed a self assessment tax form and does not earn a "job income" (only a small private pension) will they become liable to have to complete a self assessment tax form? If no…
Crypto investing living in a foreign country.
If anyone has any ideas about this……..I am English living abroad and trying to trade but it seems quite complicated!? I have KYC verified with MEXC (with UK passport) but my money is in a local bank in another currency, which most of their 3rd parties don’t accept! I could pay in ££ but by bank transfer (I would just…
Santander - free 4 year railcard for anyone aged between 20 and 25 saving £50
https://www.santander.co.uk/personal/current-accounts/railcard-offer Saw this on my Santander homepage, and thought I’d share. Seems like a pretty nice offer for not much work! To get this offer you must: -Be aged 20-25 on 30th June 2025. -Open a Santander savings account (unclear if existing accounts count). -Deposit £50…
Inheritance tax
Hi. I need some advice, I bought a house 10 years ago and lived in it for 4 years, I then move in with my partner and rented out my house. i know that I have the £350,000 tax free allowance threshold but will I be entitled to the £175,000 as well even though I don’t live in house any more. Thanks for any advice.
Santander Easy Access Saver Limited Edition issue 3
Santander Easy Access Saver issue 3 interest rate dropping to 3% from 1st August.

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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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