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Unable to transfer Australian shares - Help
In 2016 a UK AIM listed company was acquired by an Australian company which delisted in the UK and then listed the newly allocated shares on the Australian stock exchange. These shares are being held under Halifax Sharedealing Services who do not trade on the ASX exchange, and now I need to trade some of the shares. I…
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Tax on savings interest
I would be grateful for a second opinion please. Earnings & pension total £16,100. Savings interest of £2300. I think I should be allowed a ‘starting rate for savings’ balance of £1,470 tax free (£17,570 - £16100) plus a ‘personal savings allowance’ of £1,000, resulting in all savings interest being tax free. HMRC say as…
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Monzo vs invest engine etc
I am an early starter investor. I have been putting £50 to 200 in a Vanguard stocks and shares isa. I don't really understand much. I am pretty clueless. Due to the fees I would like to find another platform. I also hated the vanguard platform. It was clunky and I found unclear. Even to change my direct debit was annoying.…
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Looking for a top(ish) savings account with FP withdrawals
Hi....So I am looking for a replacement savings account that supports FP withdrawals. Not for me but for the offspring. Yes, they could / should do this themselves, but this is what I do :) They have basically begun their responsible lives using Chase, which obviously has always had a decent savings rate available. And…
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Tax free interest
I would be grateful for a second opinion please. Earnings & pension total £16,100. Savings interest of £2300. I think I should be allowed a ‘starting rate for savings’ balance of £1,470 tax free (£17,570 - £16100) plus a ‘personal savings allowance’ of £1,000, resulting in all savings interest being tax free. HMRC say as…
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Declaring savings interest
How should tax on interest on multi-year fixed
bonds be declared ? The HMRC guidance to institutions on submitting the BBSI return lists what
interest payments should be included – specifically stating ‘paid or credited’
in the year - contradicting the SAIM 'arising' rule. Nationwide, which used to
allow withdrawals on…
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Confused regarding fixed rate ISAs
I am genuinely confused about what is and isn’t allowed, and it’s only just clicked that I may be doing something that is against the rules (or not). Do fixed rate ISAs have the same status as an easy access cash ISA in the eyes of the tax man? I opened up a 1 year fixed at the start of this tax year and put in a…
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Best savings account to have
Hello, Firstly sorry if this is in the wrong forum. But I am looking for the best savings account on the market. I`m a first time home buyer with not nearly enough savings so looking to save. I will be buying on my own and my current bank is with Lloyds if that helps. If theres anymore information you would like to hand…
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Interest paid on Anniversary of opening account - which tax year does it fall into?
Hi, if I was to open a savings account, that pays interest on the anniversary, today, and keep it open for 12 months will I have to pay tax on the interest for tax year 2025/26 or will some of the interest fall into this tax year (even though it hasn't been paid into my account) ? Was thinking about the Coventry 5 Access…
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Isa Transfer
Hi I am completely confused as to Isa rules.I have put money into my first flexible cash Isa this year and recently withdrew the full amount to deposit into another flexible Isa with a better interest rate. I did not use the transfer method but my new provider has told me that because they are both flexible it is allowed.…
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a good saving account with min withdrawll pen
Hi am looking for the above as need good intrest and not have heavy pentlies for withdrwal in case of emergency
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Nightmare! Oak North & Coventry BS funds transfer issues - now neither will give me my money
OK this will take some explaining! A few days ago, I opened a new Easy Access Savings account at OakNorth and funded it by transferring funds from a Cov BS 12 month fixed term bond that was maturing at the end of December. The money was sent from the Cov - and received by Oak North. However, Oak North are saying the funds…
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How can I best buy gilts?
I wanted to buy index linked gilts in 2022 but it seemed like I couldn't buy from gov.uk, or buy actual gilts from anyone. So I bought Income funds, one L&G and one Royal London. Since then the L&G has paid zero income. Belatedly I read the rest of the small print, and find the fund offers no promise of paying out the…
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Account for life tenant for funds received from Will
Hi, I am trying in vain to find an account I can open as Executor for my father's estate where he left the estate to my mum for her lifetime (ie she gets the interest on the money not the capital). Mum is 90 and not very well so I would not look to be tying up money for any length of time. The ultimate beneficiaries are…
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Low cost global ETF
Whats your favourite Global/All-world tracker ETF?
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Trading 212 Account Hacked
Hi, I have not been able to access my Trading 212 account for ten days as a result of someone attempting to access it and trying to re-set my password. I have had no response from Trading 212 when I reported it to them by email. They have no phone or chat support that I have been able to find to date. Has anyone had a…
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New Year's Resolution from four years ago.
For many years I played the lottery, a couple of quid once or maybe twice a week. In 2020 I made a new year's resolution to buy premium bonds instead. I have stuck to this resolution and now have £3,700 worth. In this time I have won 100 quid once. In all the talk of investments and interest rates I think the gambling…
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NS&I available balance now more than 7 days to clear?
I deposited some money into my Direct Saver with NS&I on 1st January. Even though the 1st was classed as a bank holiday, it is now 9th January, and that money that was paid in still isn't showing in the available balance for withdrawal. Have they changed it from the usual 7 working days policy? I can't seem to track this…
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Tax on Joint Savings Accounts
A few years back I moved home to help look after my disabled mother. She passed away in 2022, so now it is just me and my elderly father. We set up a joint current account with Starling and have all bills and such being paid from that account. Thought it was the sensible thing to do, in order to help manage the household…
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Trust fund for inheritance
Hi Looking for help with this one…my parents have passed and wanted to leave money for my niece and nephew. The siblings are looking to put the money into a trust until they are both 21. It’s around £50k each so no inheritance tax implications. I can’t get my head round which type of trust to use or which bank to use. Has…
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Most recent: How to transfer out of Trading212 cash isa? by JohnB47
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