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Snoop Savings
Hi, I've seen Snoop Easy Savings are giving 4.35% which would be good as my Chase boosted rate will end next month. Is Snoop just as good/safe? There doesn't seem to be any restrictions on withdrawing. Thanks
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B&B shares
If I rebuy shares sold <30 days ago, is the gain/loss from that initial sale ignored for CGT purposes, with CGT instead calculated against the original purchase price when I eventually sell the shares? Meaning that if the share price rose during the days I did not own them, I would pay CGT on a gain I didn't benefit from?
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Advice with Savings
Hi, I started an ISA in May and have maxed that out. In April next year, can I keep the same ISA account or transfer it to a different company as well as open another ISA and not pay tax on that too? From what I've read, it's important to transfer the 25/26 ISA to keep that years allowance, is that right? I have enough…
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Tiered Interest Rates.
Periodically I like to check the rates on my "unused" accounts. Just logged into Oxbury and noticed my rate is 0% (due to only having £1 in it). Not a problem I thought, other companies do the same and I just need to locate their rates for NLA accounts. Couldn't locate it so using chat I was advised of the rate for my easy…
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New to Gilts. I have a few questions before buying.
I discovered gilts yesterday, so I've been doing a bit of research on them. They seem too good to be true, so I want to check with people who have bought them to see if I'm missing something. I pay tax on my bank interest and have quite a bit of money in bank accounts. My current plan is to buy about £80,000 of gilts at 0%…
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Retiring/Tax Fee Shares
Hi All - I am Newbie looking for some advice please:) Have just retired. I have SIP Shares with the company and classed a 'good leaver' I have already maxed out ISA for this year and have savings. Options I have are: Cash in all shares tax free Cash in some and retain some Retain the shares - they will transfer to a CSN -…
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Original share price for Abbey National/Santander
Like many back in the day I was given 100 abbey national shares when it went public. Then it was acquired by Santander. I recently sold the Santander shares but don't know what the original share price was so I can calculate the gain for CGT purposes. Does anyone know what the share price was that I should use? Thanks.
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Isa Flexibility with different providers
Hi, just spent an hour waiting to speak to HMRC and support was totally clueless about ISA, let alone specific question, so hoping somebody here could help me. I've maxed my 20k cash isa with Chip for this financial year.Since then I've decided to invest some in Shares ISA with Trading 212, both accounts are flexible. I'd…
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Opening a RS
Just curious to know what everybodys criteria / cut-off point is in terms of opening a RS... I'm relatively new to RS. Atm I have the Principality 7.5% RS and the Zopa 7.1%. I had initially thought that I'd start with these two, and then open any more that were 7%+ Starting to realise that that's maybe too optimistic and…
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Allocating Savings and Investments and what risks to take depending on tolerance
Hi all, First post here :) Keen to get your thoughts I’ve been trying to get my head around how best to split money between different places and I’m curious how others approach it. For example, a normal savings account like Chase pays around 4.75% right now, which feels safe but obviously WON'T beat inflation in the long…
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Savings Week
A total disappointment... Or have I missed something?
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Chip Savings to start sharing data with government
I got this in an email: "Our savings accounts are powered by our partner bank ClearBank. They’ve updated their privacy notice, here’s what that means for you. ClearBank has recently made updates to their privacy notice section 8.10.This means ClearBank may share your information with bodies such as the FCA, PRA, FSCS, the…
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Bare trust query
A great aunt has left my little girl a 6 figure sum in her will, which should be settled by her solicitor in a few weeks. I'm thinking we should set up a bare trust, with three trustees including myself. Who's best to set up the trust? Myself, her grandparents (great aunt no longer with us) or perhaps the solicitor?…
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Nationwide regular saver
Had a search but couldn't see any threads on this. Would people recommend it as a good product?
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Chase Boosted Saver
I have been banking with Chase for some time now, have a current account, credit card and a boosted savings account of 4.3%. The boost on the savings account is due to expire in around 6 weeks time. They currently still have the offer available for existing customers in the app to open a new boosted saver for a six month…
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Nationwide Flex Regular Saver 6.5% AER (variable)
Hi All, I'm new to this form, and have just seen another thread similar but not with the details as per title. I can't find anything to match this, or better on MSE, understand its not fixed, and only allows 3 withdrawals per year(after 4 reduces to 1.05% AER), with max £200 a month. Any thoughts or advice before I take…
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Section 104 holding bed and breakfast rule
Hello, I have just received some shares into a holding account (This was a mistake, I had wanted to take the shares as cash through payroll but I didn't complete a form properly.) So I now have circa £100k in shares that I want to sell. I have a Section 104 holding containing come historic shares in the same company and…
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Nationwide Regular Saver
My Nationwide regular saver matured yesterday and today it is showing as an instant access saver. However, when I tried to open a new one today I am told I cannot open a new one as I already have a regular saver. How long do I need to wait? One year ago I had no problem opening a new regular saver the day after maturity.
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Flexible and Non-Flexible ISA
I received some inheritance back in March which I added to a Vanguard flexible S&S ISA for around £15k. I then withdrew it in late April as I needed it for house renovations. I deliberately timed the contribution and withdrawal to give me the opportunity to 'carry' some of last year's allowance into this year. Given it's a…
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Plum not paying interest on £20k ISA after 16 months
I signed up for a Cash ISA product with Plum in 2024. When I tried to withdraw some of the money to replace my car I was then told that the money was in a 'Primary Pocket' that was earning no interest, despite this being the only option when I came to pay money in. Plum did not mention this once in the intervening 16…
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