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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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How do I value old 25p Lloyds shares to determine if I have a cgt liability
Hi. I have 2 questions. 1. How do I value old 25p ordinary shares in Lloyds now that they have a nominal value of 10p. ie the share price today is £1.09 but presumably I don't just multiple that by the number of shares I have like I have been doing with the 10p ones I hold or do I? I'm trying to determine if I have a gain…
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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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How to access my Premium Bonds - I have no details as bought when I was a child
When I was a child my parents told me that my god parents (not related) had bought my and my brother lots of premium bonds (I think 18 each?). I dont have any of the details or account number. I think the papers might be at my parents house but we are estranged and I don't trust them not to destroy them if I asked. I dont…
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Experienced Investors - Help me spend my cash!
Sorry for the clickbait title. The reality is that I find myself sitting on a considerable amount of cash in savings and ISAs having been indecisive about my general direction and potential property purchase, etc for some time. Anyway, I now feel that my cash savings, earning about 4.5% interest, are a potential liabilty…
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CGT sale which do I sell
HI Just started transfer request from HL to Charles Stanley of my GIA account and regret not taking advantage of the the past bigger CGT allowance. Aim is to shelter all this eventually into the ISA. Confused about which I should sell first to tidy things up was thinking about the deutche Telekom holding and the Troy fund…
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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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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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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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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
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Savings/Investing Advice for Newbie
Looking for some advice on investing 40-50k. We have 15k of savings in easy access savings account. My wife’s company SAYE shares scheme just matured making us a healthy profit. This was with Equiniti who helped us setup a dealing account & S&S ISA, 20k worth of shares put into ISA and now sold, looking to move the…
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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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Saving whilst abroad
Hi all, I have recently moved from the UK to Australia for 2-3 years on a skilled workers visa. I have a cash ISA (Plum), lifetime ISA (Tembo) and a savings account. Since moving to Australia, I have received a lump sum of £20000 from a relative passing away and wanted some guidance on how best to invest/ save this money…
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Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
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High Court approves Nationwide acquisition of Virgin Money - change to FSCS cover
Approval granted on February 23 2026 and currently expected to be effective from 2 April 2026 (the transfer date). There is an extensive Q&A on https://uk.virginmoney.com/nationwide-transfer/questions/#q1-will-the-transfer-affect-my-deposit-protection-under-the-financial-services-compensation-scheme- In summary, almost…
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Advice on Mothers house sale.
My Mother is nearly 92 ,has Dementia and is a Residential Home.Luckily after working all her life ,she does have some savings ,but these are dwindling due to her paying for her care ,this has led to her house being sold ,I have LPA. The money from the hose sale is due to go into her bank ,on completion early next week .…
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*partial* S&S ISA transfer from SWSD (iWeb) to Freetrade?
I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…
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Cynergy Bank
I have a couple of 12 months bond maturing in February so looking to save them with someone else as they are offering very poor rates to re-invest. Cynergy bank appears to give a good 12 months bond rate but I have never used them before. Anyone got experience of this bank and can share your experience? Thanks
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Investing / Carry on regardless?
i started investing late - starting my sipp at 50, now at 51 having become comfortable and slightly more informed ive been happy to invest around 80k in HSBC global balanced fund. I realise the best thing is said to be just keep going but the high valuations, potential AI bubble and potential slow recovery with my age in…
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