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Instant access saving account for lump deposit
Hello all, and apologies in advance if this has already been discussed, any repetition i make, and for the length of this post. I'm having issues navigating savings accounts external to my current banking. I have cognitive issues which don't help! I have two savings accounts already with my bank at max and don't want to…
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Portfolio Manager
Morningstar is terminating the Portfolio Manager facility. Please, does anyone know of any other organisation offering a similar facility?
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Nationwide Member's Bond
In previous years, in addition to the £100 payment scheme Nationwide have made an 18month fixed rate bond available to members. If they do it again this year, I am wondering if the bond would exclude members who took it out last year on the basis that you can only have one active bond. If that's the case, it means you can…
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Bond accrued interest taxation question
I bought two different gilts in the tax year 24/25. Both times I had to pay some accrued interest. However bond 1 paid interest in the 24/25 tax year but bond 2 never (first interest I will receive will be in the current tax year). For the self assessment for last tax year how do I account for the accrued interest, do I…
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Easy access account
I'm looking for an easy access account to deposit a monthly amount that I can then withdraw when my car tax and insurance are due. Happy with opening and managing online or app and monthly interest would be nice.
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Savings or ISA
Hi i have a savings account and don’t earn enough interest to pay tax on it. I do on my pensions though (basic rate). Can I put this money into an ISA instead as the rates are better? thanks
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Maturing Santander "Edge" Saver
My Edge Saver will be maturing soon. Does anyone know if I can just close it and open another?
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Weird graphic on Chip App
Opened a Chip account last week and added some cash. The fancy little graphic on the app's opening screen shows what appears to be a graph of my contribution history (no idea why other than to make it look nice). The point is though that it zooms up to the level of my balance and then appears to decline. Any explanation…
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Financial advice....but non-specific!!
Hi all,Not sure which catagory to put this under as I need some advice. I would like to find someone who can look at my whole financial picture and advise me what to do! All the websites ask you to specify, investments/property etc but I need a one-stop person to look at eveything. Do they exist?! We have been offered…
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%.The available SES has an interest rate of 6% including a 12 month bonus of 1.5%.To achieve another 12 months of 1.5%…
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Raisin - anyone else had issues with delays in transfers?
Hi Closed a notice account with Raisin, termination date 8 Jan - no sign of the money the day after so called them. Advised at first that transfers take up to three working days to appear in the Raisin account, yet their own FAQ section on notice accounts states two. Call handler agreed that money should be in my account…
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Best short term interest
Hi, I've just inherited about £118k from the sale of my late father's house. I am using it as a deposit to buy my first home but it will be about 3-6 months until completion. While the money is just sitting in my bank, is it a good idea to put it in an instant savings account to grow a little? I'm with Monzo and have an…
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Online banks vs High Street brands (Easy access savings query)
Hi, My parents have money in NS&I easy access savings and the interest rate is 3.3%. The money needs to be easy access so it limits the options but I've been suggesting somewhere like Cahoot who are currently offering 4.55%. I've explained they could be getting another £2000 extra a year in interest but they don't trust…
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20 Year Old Investment Bond
I am a basic rate tax
payer and just over 20 years ago I took out a (non ISA) investment
bond with Aviva and have not added to nor withdrawn funds from it. My understanding is that the annual 5% non taxable withdrawal
allowance rolls over and I could now withdraw the original sum
invested in its entirety without incurring…
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charter savings bank
Does charter savings bank have cash flow issues, now that their savings rates are no longer top-dog? I have been waiting 3 days for funds to be transferred from a closed savings account. Customer service is overloaded.
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Finance Advisory AG Trading Platform ?? SCAM ??
Hi, just new in here, but am familiar with MSE Does ANYONE have any info/experience with Finance Advisory AG who are an online Trading Platform pls ??
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Dividend, which year tax paid?
I tried searching, but unable to find. I have some Vanguard LS100 income units in a GIA and it just paid out the divvy income 02JUN. The data I read says. 31MAR25 is record date. 01APR25 is EX-divvy date. 31MAY25 is payment date. *** Is the above divvy income to be reported in year 2024/25 or 2025/26 to the HMRC? Tks in…
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Maximising Savings
Evening All, I am in the process of receiving some inheritance I am just wondering if I’m on the right lines with what I am doing with it. With what I have got so far I have maxed out ISA for this year and also premium bonds. Mindful of having over 85k in the account I have split into two others which had pretty good rates…
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Trusted Banks with higher interest rates
Hey experts A newbee here, I have only accounts with Nationwide and lloyds looking for more options to open Savjngs account + ISA which offers better interest rate i understand most of the UK bank are protected upto £85K I like to hear which are the Banks people trust more I have tried to google but confused and as so many…
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lemonfool investing forum down?
Is the lemonfool investing forum down? I don't seem to have been able to access it for a number of days at least, and various website status sites seem to also suggest that it is currently down? I hope that the site hasn't closed down entirely as there is some useful investing discussion there. https://www.lemonfool.co.uk/
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