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Best Way to Save Bank Passwords
I have several savings accounts with different banks and building societies Currently these are written in a coded form in a book which I carry with me at all times They are coded in case anyone should find my password book should I ever lose it It's highly unlikely they would be able to break my code 😂 Though if I lost…
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Cynergy - warning
Needed to give notice to close a 120 day notice account and Cynergy’s website was down earlier (yet again). Tried using the app, but it won’t let you close this type of account. Phoned them – first had to repeatedly explain that you can’t do this in the app, then only to be told that if they do it, it will take 3-5 working…
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Pemium Bonds rate cut from December 24
New rate down to 4.15% from 4.4% currently. Also, the rate on its Direct Saver Bonds drops from 4 per cent to 3.75 per cent from 20 November. Income Bonds will also fall to 3.75 per cent from 4 per cent. Source:…
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Moving a SIPP
Hi I currently have a SIPP with Curtis Banks which is for a Discretionary Fund administered by Barclays Wealth. I'm not particularly happy with the fund performance or the fees being levied on the account and would like to get a comparison. Is there a site that can provide the information I need, and if I decide I want to…
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setting up fixed term savings accounts is a problem ... help to fix it needed urgently
I have recently been trying to set up a few fixed term savings accounts but have been declined by all of the banks i apply for which is peculiar as i have been successful in the past, the only difference being that some previous applications were postal rather than online. I popped along to my bank to see what the issue…
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Trading212 - Rate reduced to 4.90% from 30/11/2024
Just noticed in the app and in small print on the website that with effect from 30/11/2024 the interest rate is being reduced from 5.17% to 4.90% AER. This applies to Cash ISA, Stocks & Shares ISA and Trading account.
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BBC Market Data Feed - Replacement?
Now that the BBC have stopped their Market Data Feed, what are the best alternatives? Thanks
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Do ETF dividend yields work out as expected e.g. for FTSE100?
I was wondering if you own an etf in the ftse100 or sp500 and the companies from there give dividends, are you getting exactly the amounts you would if you owned each company individually e.g. 100 individual shares of the ftse 100 would yield the same as 100 shares in the ftse 100 apart from any charges? I thought about…
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Help Please
I'm clearing out paperwork belonging to my MIL who passed away recently and have come across a folder of Lloyds TSB share certificates from 1987 onwards. the latest statements I can find relating to them is in 2002. I have no idea if the ownership of the company changed then or if they were cashed in and invested…
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First direct monthly saver
I applied to open a first direct monthly saver on 28/11/24 and it was opened on 29/11/24. Now that it's the first can I top up the account or do I need to wait until the end of the month please?
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What % are folk investing in the UK?
I've realised I've omitted UK equities from my main pension fund selection. Given US prices at present this is a happy mistake, but clearly does outline the pitfalls of DIY investing. Currently I have 1 pension invested here https://www.trustnet.com/factsheets/P/r75k/sw-ssga-international-equity-index-pn-cs8/ I need to put…
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VANQUIS 60 day notice account
I recently opened this account. I know the minimum balance for this account is £1000 but wanted to send a test payment first before sending this amount. I sent £1 as a test payment but it is still not showing in my account balance. Will it not show until I've reached the £1000 minimum balance.? What were other peoples…
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Self Assessment Calculation & HMRC contact as POA
I completed a SA form in July of this year for the tax year 2023/24 as a POA for my mother-in-law as her savings interest exceeded £10,000. I received a calculation from HMRC yesterday for the tax year 23/24 confirming my figures except the interest I included on the SA form is not in the calculation. The calculation shows…
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Re-balance into Equities
There's no right answer to this, except in hindsight ...! I took some profits ahead of the budget, and sold an equity managed fund that I'd had for many years, and had quintupled my investment. (In fact, the CGT rise was not as high as expected, but it was still a good time). So I am now sitting on a| sizeable pile of…
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Help 2 Save 2nd bonus will not be paid
Has anyone else had this problem? 1st payment was fine, paid in max amount £50 each month, 2nd bonus due and it says "To get a final bonus, you had to pay in enough money so your highest balance between 1 December 2022 and 30 November 2024 was more than £2400. In the time left you won’t be able to grow your savings so they…
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Sidekick Money Ltd - Safe to use?
As per the 2 x top savings threads in this forum, Sidekick Money Ltd are offering a 4.89% easy access savings account provided by GB Bank (part of this is % a bonus for 12 months)... https://www.sidekickmoney.com/savings Does anyone else feel a bit nervous about using Sidekick Money?I think it's just because I've never…
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Sent money to NS&I as Bill Payment instead of Funds Transfer how do I get it back!
Hi problem solved ! My account shows that the Bill payments were sent back ! TRANSACTION DETAILSStatusSETTLEDTransaction typeUnpaid - NS+I DIRECT SAVER UNP Payment Returned: Sort Code / Account N umber UnknownI will delete the original post shortly as no need for it to remain!
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Declare crypto on Self-Assessment tax return?
Since the 2020/2021 tax year I have been filing Self-Assessment tax returns as I rent out rooms in my house and make more than the £7,500 Rent-a-Room Scheme allowance. However, I have never thought to declare my crypto on it. I am wondering if I need to or should have been? Below is the money I have put in and taken out of…
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How do I calculate tax owed for Bitcoin investment.
Hi, I wonder if someone can help me here? I bought a coupel of Bitcoin in 2014. I sold them for £48,000 in May 2022. I then used the £48,000 to buy back in June 2022 when I had 2.9 Bitcoin. I then sold again later that month for a loss at £44,000. I then bought back in July 2022 using the £44,000 to buy 2.4 Bitcoin. It had…
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Help to Save
Hi! This is the discussion thread for the Help to Save guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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