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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 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 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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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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Zopa Rainy Day Saver - interest received seems lower than advertised
Hello. I opened a Zopa account in January. My primary motivation in doing so was to allow to me to open the linked Rainy Day Saver, which advertises a market-leading 7.1% interest rate. I deposited the maximum £300 allowed on the day I opened the account. After a month, I received only £1.68 in interest. This seems lower…
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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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MOVING STOCKS & SHARES PROVIDER
Hello, I have had a SS ISA with H&L for many years, some shares with Carnival (used to do a few cruises) also Royal Mail (which I just see have been sold. Probably my fault because I rarely check my emails). I also invested £100 recently in iShares physical Gold (self managed) I am looking to put them all into one (I also…
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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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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 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…
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Vanguard fund, how to sell without triggering capital gains tax?
Hi, In my Vanguard GIA account Ive been investing in the FTSE Developed World ex-U.K. Equity Index Fund - Income. Im thinking of 'cashing-in' on the recent gains, which in total are slightly more than the £3k capital allowance limit. How can I sell the right amount to keep myself below the capital gains limit? Also, do I…
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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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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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JP Morgan Personal Investing - £100 Cash Offer
I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…
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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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Saving for family
Hi my aunt is looking to set up some sort of savings for my to boys 15 & 18. She wants it to be given after she dies , she's fit and well so wont be for a while. She tried to open bank accounts but was told she can't due to there age. What is her best option?? Thanks in advance
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AI “play” - active or passive?
A family member (whom I help with SIPP admin, etc) has asked me for my thoughts on an “AI” play. Although on a personal level, I’d probably prefer to stick with what I know, I do want to give whatever help I can. We’re definitely not talking about individual company shares here and so I’m thinking something like an ETF…
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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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impact of savings interest on student loan
Hi in very fortunate position that due to an inheritance have earned about £3k of savings interest last year (not in an ISA) But am i right in saying this will be counted as unearned income for student loan purposes ? Do i have to do a self assessment or will this automatically be covered through my student loan deductions…
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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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Reducing HMRC Payments on Account
A quick bit of background: Having filed my Self-Assessment Tax Return for TY24/25 last May, I am faced with a Self Assessment 'Payment Due' of approx £3000, of which £2000 is income tax for TY24/25 and the remaining £1000 being the first payment on account for TY25/26. A further £1000 'payment on account' is due by 31 Jul…
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How to choose a savings account
In 3 months time I will be coming to the end of my DMP (Very proud to have paid off 34k of debt) As I have become used to paying nearly 700 a month to my DMP. I don't want to just blow this money each month once I have finished my DMP. I have never had a savings account really. I think I might like like to distribute my…
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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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