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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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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 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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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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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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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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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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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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use unemployed partner to avoid paying tax on savings interest?
Regards to the above - can I give my unemployed partner some of my savings instead to invest in her name so there is no tax to pay?
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Mortgage, Invest or Avoid
Am currently going through rough time and near the end of a divorce, it looks like my partner wants to move out of our marital home to a new place so going to buy her out (60/40 split in her favour on equity). That means I am going to need to re-mortgage the remaining £330k on the house which is a big stretch. I can just…
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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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£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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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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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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IG Promotion - Invest £50 or more and get between £40 to £200 in bonus shares
Hi, Just came across this promotion and having read the T&C's I am not fully clear. https://www.ig.com/uk/bonus-shares-promotion-oct-25 1. Open the account e.g. S&S ISA or GIA and pay at least £50 in 2. Buy some shares and use up the full £50 in one transaction, ideally you make 2 small extra trades (higher pay in…
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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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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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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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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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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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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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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.…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.5K discussions
163.4K comments
Most recent: Transfer of S&S ISA with Scottish Widows to Charter Savings Bank by dunstonh
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