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Do Lloyds bank care where I have my investments?
Currently I use Lloyds Bank for normal banking - just a free current account and normal credit card that is automatically paid in full each month. Usually anything between £2-10K in the account. I have about £500K invested with IWeb/now Scottish Widows. Can Lloyds Bank "see" this and if I transferred some/all of it to…
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£50,000 Premium Binds limit reached
Hi, I have reached the £50,000 limit in Premium Bonds, but I have a DD going in each month. Where should I continue paying the DD into?
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Crypto Trading sites
Hi, I was wondering if someone could explain the crypto trading sites and the differences between them when it comes to value you get from each platform. There seems to be a clear difference between these sites that all have the same %age fees. For example, I have signed up to 3 different platforms and have noticed that…
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Top of the Stocks
Top 10 this week 22/2/2026 Just talking about the good old days listening to Top of the Pops. Somebody said wouldn’t it be easier to invest if the FTSE Index if it were listed in the same way. Just because it’s number 1 today doesn't mean it will stay there. Treat it as a narrowing down of the choice. What do you think?…
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If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! )
If you have £8000 in Bonds, Questions about transferring out? (Many concerns ! ) My friend is a widow, and unemployed, and her husband and her had some Bond stock/shares in some companies. It was mainly her husband who set them up but she was on the name of one of the bonds - Pru. Here attached is a 3 page letter of one of…
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CGT: totally clueless here.
I am very out of my depth. I have shares given to me as sign on bonus that are now vested and sellable, plus shares I have purchased myself via an employee discount scheme. I want to take money out of the shares to do an extension on the house. I am frightened about capital gains tax because I have literally no idea how to…
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VAT on silver bullion
Hope no-one minds me checking a very simple point? Buy (say) a one ounce silver bullion coin. VAT payable on purchase price. If you were then to sell the coin back to the same dealer -and the silver spot price hadn’t changed much - you’d ‘pay’ the dealer’s margin. (buying v selling price), plus you’d effectively lose the…
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T212 S&S ISA - US/Tech Proof, Value Tilt
Thinking of swapping out TDGB with VUGA once S&P 500 becomes viable for GBP again. Any thoughts in general? TIA
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Statement of Outstanding payments + fees ...Equiniti
Hi can anyone advise? Had a letter through from Equiniti that I dont understand. A previous employer ..saying I have a statement of outstanding payments..and there's a management fee payable? Ive no idea what this letter relates to..I haven't sold any shares (that I know of) There was a de merger but I have been issued a…
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Postal application for saving accounts safe?
Hello . I recently applied for a postal only saving account, my first one. But on receiving the application pack today, l have cold feet about the process now. The state of the postal service in my area has taken a nosedive and lve had some shocking conditions of the state of my post. Ripped, dirty, and late. I really dont…
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Saving for family
Hi my aunt is looking to set up some sort of savings for my to boys 15 & 18. She wants it to be given after she dies , she's fit and well so wont be for a while. She tried to open bank accounts but was told she can't due to there age. What is her best option?? Thanks in advance
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Cynergy Bank - Internal Transfers
Yesterday I transferred some funds into a joint account at Cynergy from my linked account with the intention of transferring them on into a sole account in my name with them. On attempting this transfer I was met with a message informing me that this account was ineligible for internal transfers. On contacting customer…
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KRBS Fixed rate bond
KRBS have launched a new 18month Fixed rate bond, only available on the new platform at the moment. Pays 4.03%.
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MOVING STOCKS & SHARES PROVIDER
Hello, I have had a SS ISA with H&L for many years, some shares with Carnival (used to do a few cruises) also Royal Mail (which I just see have been sold. Probably my fault because I rarely check my emails). I also invested £100 recently in iShares physical Gold (self managed) I am looking to put them all into one (I also…
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Zopa Rainy Day Saver - interest received seems lower than advertised
Hello. I opened a Zopa account in January. My primary motivation in doing so was to allow to me to open the linked Rainy Day Saver, which advertises a market-leading 7.1% interest rate. I deposited the maximum £300 allowed on the day I opened the account. After a month, I received only £1.68 in interest. This seems lower…
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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AI “play” - active or passive?
A family member (whom I help with SIPP admin, etc) has asked me for my thoughts on an “AI” play. Although on a personal level, I’d probably prefer to stick with what I know, I do want to give whatever help I can. We’re definitely not talking about individual company shares here and so I’m thinking something like an ETF…
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impact of savings interest on student loan
Hi in very fortunate position that due to an inheritance have earned about £3k of savings interest last year (not in an ISA) But am i right in saying this will be counted as unearned income for student loan purposes ? Do i have to do a self assessment or will this automatically be covered through my student loan deductions…
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Reducing HMRC Payments on Account
A quick bit of background: Having filed my Self-Assessment Tax Return for TY24/25 last May, I am faced with a Self Assessment 'Payment Due' of approx £3000, of which £2000 is income tax for TY24/25 and the remaining £1000 being the first payment on account for TY25/26. A further £1000 'payment on account' is due by 31 Jul…
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How to choose a savings account
In 3 months time I will be coming to the end of my DMP (Very proud to have paid off 34k of debt) As I have become used to paying nearly 700 a month to my DMP. I don't want to just blow this money each month once I have finished my DMP. I have never had a savings account really. I think I might like like to distribute my…
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