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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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Stocks and Shares ISA
I have (finally- after years of deliberating) deposited cash in a Stocks and Shares ISA on the Hargreaves and Lansdown platform as I want to grow my money long term (6-10 years), but I'm unsure the best way to choose the shares to invest in. I was going to opt for a track the market ready made investment (as I'm new to…
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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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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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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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SIPP and LISA fees
Hi, I currently have a SIPP with Fidelity, in ETFs, so I pay £7.50 a month in fees. My question is, does it make sense for the £7.50 to come out of my SIPP or a CMA. From my understanding if I pay it out of my SIPP, I put £6 in, get the 25% (£1.50) uplift to make £7.50 and pay it with that. However, if I pay out of my CMA,…
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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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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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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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Advice on short term savings
Hi all. I have £40k that I would like to put into a savings account where I can withdraw the interest every month, without it going back into the capital amount. I can lock this away for 1-2 years. Does anyone have any suggestions please? Thanks
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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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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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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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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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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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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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CHILDS SAVINGS ACCOUNT
Our grandson lives in Malta and we would like to open a savings account for him in the UK but every account I have tried requires him to be a UK resident , does anybody know if it can be done or will we have to open a EU account for him ?
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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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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…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
