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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 Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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 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…
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How can I get my nest egg to work a bit harder?
Seasons greetings everyone. Currently I'm in the process of financially preparing myself for a reasonably hefty inheritance tax bill. Who knows when the day will come, but one way or another on top of having the bereavement to deal with I'm looking down the barrel of well into a 6 figure IHT bill. I've spoken with various…
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Interactive Investor dodgy terms and conditions for refer a friend offer
I referred a friend to ii for the £200 cash back and friend getting a year's fee free at ii. I just read the terms and conditions again to make sure and I notice that they seem to have changed the dtae from which the friend needs to open an account - 18th December 2025. My friend opened the account a week or so before and…
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2026 - 52 Week Envelope Challenge
Save £1378 in 2026! Welcome to the '2026' 52 week envelope savings challenge! This challenge ran the last couple of years and I have been asked to set it up again for 2026. It can really boost your savings pots and help with paying for Christmas, or a family holiday...anything you like really! It can be done wither with…
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Making the most of my saving
Hi, I'm 45 and have made the decision to move into my parents house for 3 years to get out of the rental market and actually get myself financially sorted. I'm on a pretty good wage now but due to rent, costs, a ridiculous amount of university etc I've always rented, been in and out of debt and never been able to save. So…
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Tax on savings for non earner £18570 v. £19000
I understand the first £12570 is tax free, then the starting rate for savings +£5000 then the PSA +£1000 ...giving total of £18,570 (on the basis no other income at all) How is this impacted if the interest was say £19000 Is the top part above 18570 simply taxed at basic rate....? At this threshold is it ever worth putting…
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Latest Monument App crashes
Anyone else having problems with the Monument App? Just had an update from the playstore (to 1.33.0) and now it crashes before displaying any info. It accepts my PIN, says "Good afternoon Alan", then disappears. This is on Android 16.
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Savings Interest and Tax Code change
My tax code has been changed this month. Looking at it there is an assumed amount of interest they have figured for me, which is way off at £2,500. It will be much closer to £1,000. They wrongly assumed £2,500 which puts me into the 40% bracket which reduces my PSA of course. Do I call HMRC this year/now or does this…
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Investment Trusts
I am looking for a fund that will pay out income. Most Equity income funds only payout twice a year, but it seems investment trusts pay out 6 times per year, which would be better for me. However, I have always thought that ITs are more expensive due to the extra layer of management. Am I thinking wrong? Can anyone point…
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Fixed Rate non-ISA Bonds, straddling 2 tax years: new 22 per cent tax rate on interest
I have noticed this. (I think). Does anyone have any comments? There have been several prior threads on this site, about when Interest Income should be reported to HMRC for tax purposes, when a Bond is, say, a 2- year Bond. And there is no access to any of it until Maturity. (Not even any option to take it with a Penalty…
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BBSI Untaxed interest list query
Hi All, My requested list for 23-24 and 24-25 contains so many errors I really don't know where to start or who to approach first. I requested the list because I was shocked at the interest they claimed I earned 24-25 On looking at the list I'm finding yes they have estimated based on the previous tax year as expected, BUT…
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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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Tax Confusion
Hi, I received a letter last month from HMRC stating I owed £250 in tax from 2024 - 2025. This does work out to be correct from interest I have earned on savings. I paid it straight away to avoid a tax code change. However, HMRC have sent me another letter via a tax code change for the 2025 - 2026 tax year saying they are…
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The Cashback for Bank or Investment Accounts Discussion Thread
The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...
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Where to put end of employment payment settlement
Hi, I have just ended my employment with my now former company, and included in this was an agreed final settlement figure of £13,000. I have a few Cash ISA accounts, but I do not believe I have reached the threshold of inputting £20,000 into these for this year. I have Trading 212, Plum & Moneybox LISA, with the Plum app…
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'Expected profit' on Sharia savings accounts
Looking at a 1 year fixed-rate Sharia account (Al Rayan via Prosper, 4.56%) for a large lump sum deposit & just wanted to hear any Forumites experiences with Sharia 'expected profit'. Anyone had less profit at maturity than that advertised when account was opened? Or is it likely/possible to get more than the advertised…
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Trading212 low cost Ftse Tracker
Looking for a world tracker on Trading212 I have a HSBC FTSE All World Index Class C - Accumulation (GBP) on Iweb but the £5 fees are can mount up over the year. , Can anyone recommend a similar low cost fund which I can purchase on trading212 which I can purchase within m S&S isa .. Thanks
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Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
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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…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Moving cash out of a flexible S&S ISA by eskbanker
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