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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: To provide a list of the top regular savers currently on offer To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article which…
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The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to MSE forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in…
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Brewdog Shares
So never had it been cheaper of late to buy some shares. Resellers have these listed for £12 a share, brewdog last offered them for £25, and the last investor sale round sold them for £15. Given they are an unlisted company, it’s difficult to truly value the price of a share. You could take into consideration the online or…
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US Markets Risk
Morningstar articles about investing tend to be informative rather than fluff pieces, many are an excellent trove of information. Below is an article that attempts to quantify the risk in US markets currently, supported by understandable metrics. (see the graphic entitled, Market Themometer). "I like this chart because it…
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Looking for savings advice.
Hi all, new to the forum so please be gentle. My wife and I both receive the new state pension and our financial situation has changed recently due to inheritance. Currently, we own our own house, no mortage and no debt of any kind. We have a second home through the inheritance which is up for sale. Intention is to sell…
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Transfering Share dealing Account from H/L to Scottish Widows
I opened a Scots Widows share dealing account and initiated a transfer of my shares held in Hargreaves Lansdown to them on 9th Feb. I haven't heard anything from either so far…anyone have any experience of idea how long this is likely to take?
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Recognise Bank
I can't keep up with the list of unheard of banks on the savings league table as they change every few days, lol. My money matured this morning from Aldermore so I need to put it with another bank and now a new bank has come into the league table called "Recognise Bank". Not seen any posts on here for this bank when I put…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are: * Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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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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UBL UK bank
Anyone got an account with this bank and can comment on your experience? They are in the top 12 months fixed rate savings account on the savings section.
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Trading 212 funds - Updated with portfolio thoughts
I am considering transferring a (currently managed) S&S ISA to Trading 212 as they don’t seem to have any charges and I have a cash ISA with them, however I am struggling to find a list of ETFs they offer to decide if they are right for me. Does anyone have a link or some insight they can offer? I am primarily looking for…
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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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Top slicing relief on Investment bond
Can anyone advise on the tax due on a £60k chargeable event gain from an international investment bond (tax not paid) that's been held for 22 full years. No other income in the tax year. I understood that starting rate for savings and personal savings allowance are recalculated based on the sliced gain so should still be…
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Best way to maximise interest on £10k savings
Hi, I have £10,000 that I'm happy to lock away for 2 years but I don't know which type of account is the best way to do this. I am a higher rate tax payer so need to be careful not to go over the threshold of £500 interest. I know some pay interest annually and some pay on maturity so this is vital not to go over. I won't…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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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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Euro Savings Account
Does anyone have any knowledge of €uro accounts that actually pay any interest, any as in more than 1%. I opened one sometime ago with Lloyds International the original interest being 2.65% it has since plummeted to 0.25% hardly worth it. Makes me wonder whether it might make more sense to transfer into £ pay whatever…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
