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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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Shawbrook Bank - how do they get away with it?
I had a 1 year ISA, maturing on 10th April 2026. In March they asked me what I wanted to do with the funds. As they didn't have any decent rates I informed them, with 30 days notice, that I would be transferring all of the funds out of the ISA on maturity. The ISA transfer was pending for 30 days. I would have thought a…
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Buying gilts - which platform to use?
I am considering buying some (conventional and index-linked) gilts and am not sure about which platform to use. It seems that Fidelity don't offer gilts at all (only gilts funds and ETFs), whereas Scottish Widows (formerly iWeb) offer them. Any other platform which offers gilts? Thanks for the help!
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Transferring a S&S ISA (to Trading 212)
Hi all, i suspect I know the answer to this, but have never done it before so wanted to check. I have a small Santander S&S ISA with approx £7k currently invested in: SANTANDER GO GLOBAL EQUITY "RKP" (GBP) ACC Santander MyWealth Progressive Fund R and Santander MyWealth Balanced Fund R I would like to open a Trading 212…
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Children's Inheritance
My husband died recently and left money (approx £8k each) for his niece & nephew (8 and 14 years old). I am to have control over this until they are 21. The money will be theirs at 21 however he had specified he wanted this to cover driving lessons, money towards a car or house if applicable before they reach 21. I do not…
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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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Paragon Bank - Possible Interest Rate Reductions Without Notice
Just seen this banner below on their website. 'With ongoing volatility in market rates, we may need to make changes to our savings products. This could include some products being withdrawn, temporarily restricted or rates adjustments, without notice.'
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Nest as well as S.I.P.P
Hi I am paying into nest via work to the max my employer will add (4/5%) I am able to make extra AVC payments However, with nest I think they take 1.8% straight away as a fee Is it possible to open a new SIPP somewhere else and add to that, and still get tax relief on top of any AVCs?
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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
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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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Ulster bank limited edition saver. ADVICE
Thinking about my Ulster Bank Limited Edition Saver! 🤔 It started with great interest, but now it's at 4.17% with a £5,000 minimum. Is it still worth it, or should I explore other options? #Savings #Banking #Money
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Shares in Telewest Communications Plc
Hi, I have a shares certificate dating back to 1997 for Telewest Communications plc. I cannot find the registrar to see if they are of any value, does anybody know who the registrar is please. Thanks. P
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
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Maths question
I have £2400 in an instant access savings accounts with a bank This instant access account pays 1% If I open a Regular Saver at the bank which pays 6% and transfer £200 a month over am I right in thinking that my interest rate on my £2400 will be (6+1)/2=3.5% Assume I will pay all 12 payments across to the regular saver…
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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 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 addition…
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SIPP investments during market upheaval
I've just opened a SIPP with AJ Bell. I did this mainly for tax reasons (sole company director), and NOT because I know what I'm doing with investments. I'm relatively comfortable with the general advice out there for portfolios, and I'm ready to push the button on a core holding in a tracker fund. However, the current…
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Unrealised gains v Total Gains
Hi all. Can someone please enlighten me. I have a big difference between these 2 figures. I have only been doing it since Feb 2026 98% of my money is in vwrp acc. Wondering why I have such a big difference? I have never sold anything, had 1p in dividends from a stock. Not sure if i would have had dividends from vwrp as…
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Savings Goal
Morning all I have a savings gosl of £10k, been saving for a couple of years with BoS earning 2.72% monthly. I would rather stick with BoS as they are local and I can pay cash in when I need to. I also don't trust the online only accounts. Maths aint a strong point. Would it make a massive difference in a 5.50% monthly…
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