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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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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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Childrens ISA - providers that can offer both cash and S&S ISAs?
Good Morning All, I'd like your thoughts on the following please. I'd like to open ISAs for our one year old and three year old. My wife and I have both used up our 2025/26 allowance so can't saveany more within these accounts for them but want them to have their ownaccounts anyway. There are currently three options as I…
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Isa question's
Hi basic question, i am new to the world of Isa's and i am after some advice. Last year i opened 2 isa's one with marcus £15k and one with kroo £5k so what should i do with this year's comiing allowance should i deposit into each of them and make them 20k each, or should i open another isa with someone else for the sum of…
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SSP1 Form - Statutory Sick Pay
I have terminal cancer and have been on sick leave for over a year. My Statutory Sick Pay ended in August 2025 but my employer never provided my SSP1 form, which is required to claim ESA. I chased this in January 2026 and continued chasing for over a month with no resolution. I contacted HMRC and they confirmed that…
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Tax efficient way to save for child's education?
Hello everyone, I'm hoping to get a bit of advice. I'm currently an additional rate taxpayer as I work as a contractor which means a relatively high day rate but no pension/annual leave etc (I put a good % into a private pension to reduce tax). I have a 3 year old daughter who is currently at the pre-school (nursery…
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Low risk funds/ideas for cash lump sum
Lucky enough to have come into significant cash around £200k mark. I am looking for a short-medium term place to store this, my ISA this year and from April will easily be 20k'ed by these monies, and I have already got £50k maxed in Premium Bonds as I'm sadly a 40% taxpayer. No mortgage, my employer pays significant…
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Holding off investing in fixed terms?
With the rises in inflation that we are going to see in the near future, and the probable rises in interest rates that this will bring are any of you putting off putting cash in fixed term deals? Also with the ISA allowance coming up again in a couple of weeks would you hold the trigger on them also? I would normally take…
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Opinions on savings rates
I'm just looking at ISA rates and savings rates. Considering locking into a fixed rate ISA for the bulk of my savings but would like to have a flexible ISA or savings account with a decent rate. Mine are now only 3 percent on the ISA n 2 percent on the savings. Just wondering whether to hold fire to shift the money or move…
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Investing and growing money for child's future
I am sure this is similar to other posts but this is specific to my circumstances. I have two children and want any money given to them to grow well. They are 8 and obviously thinking about stocks & shares JISA. I have seen that Hargreaves Lansdown have zero fees and you can choose a fund category based on risk level. I…
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Reporting CGT to HMRC requires when first bought the shares, but can't find it
This is a bit my fault as I bought some shares some 15+ years ago with a broker that subsequently taken over by another. I thought they pass on al the trade info, but they didn't. They send the value cost and number of shares, but not the date of when shares were bought…! Now I used to keep all my old trading in a separate…
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Crypto.com withdraw problems
Hi all, My wife invested £250 into crypto.com about 7 years ago and forgot about it until recently. She contacted them and got a call back yesterday. The guy who she spoke to named Oscar spent 3 hours trying to help her but there wasn't a way to create a link from the crypto account to her English bank account because the…
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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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Transferring Kent Reliance Cash ISA to Principality
What do you put in the Account Number and Sort Code fields on the Principality's online Transfer-In form? The KRBS account doesn't have an 8-digit account number or sort code, just a long alphanumeric account number. The form won't submit with these fields left blank, and entering the generic account number and sort code…
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iShares SEGA vs Vanguard VETY ETFs
Hi - one of the holdings in my SIPP with Fidelity is the iShares SEGA ETF. I'd like to move my SIPP to Freetrade (to take advantage of their cashback offer), but Freetrade doesn't offer SEGA (and I have e-mailed Freetrade to have SEGA added to their list of ETFs, to no avail to date). Freetrade does offer Vanguard VETY,…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Ecology BS account number only 9 digits
Hi I'm trying to sign up to Ecology's new online portal but have hit a snag. My account number is only 9 digits and the form requires 10. Anyone any ideas? Cheers
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"Markets pricing in up to four interest rate hikes this year" (Sky News)
The headline should really be 'three interest rate rises' rather than 'up to four' but, regardless, today's Sky news story could be relevant to anyone thinking about taking out a fixed rate savings account in the near future... "The Iran war has seen off any prospect of interest rate cuts by the Bank of England this year.…
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Life insurance policy payout
Unfortunately I am looking to put a claim in for one of my parents who is terminally ill. The life insurance policy was written into discretionary trust with me and my sibling being trustees and also beneficiaries (50-50). The claim form has a section to enter bank details for the payout with just space for one account…
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Spooked by ongoing sharp decline in value of investments - should I cut my losses?
I started investing in early January. So far my only investment has been in a Stocks & Shares ISA. I bought shares in a well-known global index tracker ETF which has been recommended on MSE and elsewhere. I knew at the start that the value of investments can rise and fall, however I have been somewhat alarmed at how…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
