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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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Saving 2025
Hi All I want to start this year and save a bit more or invest a wee bit. I am really unsure how to go about investing but see a lot of people on this Trading 212 platform. Also I plan to save £2k this year but will see how that goes. I see a thread about saving challenge 2025 would this be beneficial to be included in?…
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Re: Would like advice please regarding flipping houses
My partner has been offered an opportunity to invest a few hundred thousand in a house flipping enterprise. The person he is lending the money to has actually got a house in mind and he says that partner will supposedly get 10% return on his investment and I thought it would actually be 10% of the profit of the house…
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Savings advice - ISA/SAS ISA/easy access savings account
Hi, I’m hoping for a bit of savings advice. I have around £45k in my HSBC current account, which I want to move asap. I was thinking around £15k in an easily accessible savings account (I got a Santander saver last year when it was above 5%, it’s now 4%) , for any unexpected bills. £20k in Cash ISA (Trading212 4.9%?) and…
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£1475 won on £50k Premium Bonds in one year - what interest rate does this represent?
I'm not much good at maths and google doesn't seem to understand the question: could someone please help me work out what interest rate £1475 won on £50k of Premium Bonds in one year represents? Thanks!
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What to do with 5k savings a year
In the very fortunate position that I'm going to be saving approx £25-26k each year, outside pension contributions. I don't want to increase my pension contributions and my emergency fund cycles through all the fixed 6%+ regular savings available to me. My plan is to put 20k into a stocks and shares ISA/LISA combination,…
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Government payment into CTF for one child and not the other
My eldest child with a CTF is now 21 and when she turned 18
she took the money from her CTF. I noticed she’d received two payments from the
government for £250. One in August 2011 and the other in October 2012. My
youngest is turning 18 in a few months and when I checked her CTF I noticed she
hadn’t received these…
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Halifax RS in lloyds branch.
I opened a Halifax Regular saver recently but don't have a current account with them. I seen on the Beeb today that in the near future you will be able to use all high street branches within the Lloyds banking group(Lloyds Halifax and BoS.) for your everyday banking. So will it be possible to open accounts with the other…
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Will I be taxed?
Hello all, following the sale of the marital home and a small property I purchased after leaving husband in 2013, I've managed to purchase a Bungalow with the proceeds. It needs work doing to it, and I have £34000 in a savings account to finance this. My normal every day acount has £7000 in it. I'm retired, with a modest…
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Other non-taxable savings ?
Other than ISA's, where can cash be saved with interest but without tax ? NS&I used to do them but don't now.That leaves premium bonds.Is there anything else ?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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