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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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Emerging Markets Allocation
Many amateur investors, like myself, frequently become confused by how much to allocate to different regions, there are often as many questions as there are answers. We recently debated at length, the merits of reduced US allocations, now the subject of Emerging Markets (EM) allocation arises. Whilst I have arrived at my…
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Lamborghini, world cruise, annuity ... or something else?
We are just about to receive the payout from a life-policy related investment plan we have had for some 30 years which pays out a tax free lump sum on maturity. Probably upwards of £200k. We're wondering what to do with it: hence the title of this thread! The plan was designed as a way of saving to provide money at a stage…
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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 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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SpaceX IPO
I am a UK citizen/passport holder and reside in the UK (for tax purposes). I do not have any other nationality. I wish to take part in SpaceX's upcoming IPO to the tune of in excess of £50k ideally using cash I already have prepared for the IPO currently held in a (UK online broker) stocks & shares ISA. I understand that…
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Where to 'park' money
I will shortly be receiving an inheritance around 40 to 60 thousand pounds and I am looking for an account to park it in short term. I currently have a cash ISA but its already maxed out for this year, I don't want to put it into a stocks and shares ISA. The reason is, once its received and our current abode is sold, we…
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Inheritance Question
So I know little on this subject and welcome your thoughts I recently received and sum via the executor of the estate of my Father Said estate was in the IOM and as such was managed under the legislation there. Reading about inheritance tax is confusing I live in Scotland Do I need specialist advice regarding how this is…
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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.…
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Let's discuss... corporate bonds
There is
surprisingly little discussion of corporate bonds on the forum. That surprises
me, both because they comprise a huge market – higher overall market cap than
equities – and because I see them as a good source of diversification and income.
So I thought I’d start this thread. There is a
sizeable contingent of people…
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Revolut 5% saver
Hello recently opened Revolut current account to get £20 cashback which worked well and quick Noticed the 5% instant saver for 6 months up to £25k which is a very good rate It would appear that savings are held with clear bank which has FSCS Protection up to £120k ? One negative I've read about is that account can be…
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Newbie investing question
I have a newly opened Barclays investment ISA and am I right in thinking that in order to set up a regular investment I need a direct debit to fund the account and then a second order to state what I want to invest it in? Is there no way to do it in one step? Thanks.
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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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Crypto mistake
So after following a fellow Carpenter on TikTok, he messaged to say thanks for the follow and we chatted all things trade. He then went on to side hussles and mentioned crypto, told him I dabbled few years back and not a lot came of it. He suggested a trading platform called Coastal Trading Luxe. He talked me through how…
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Trading 212 £50 shares offer
Hi all, I'm tempted by the MSE promoted offer but have never dabbled in shares, I've only used savings accounts as an investment. I don't think I'd get massively in to it but thought with this offer I shouldn't lose in theory unless the shares dropped heavily in value? I have heard people saying to invest in different…
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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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Selling commonwealth bank of Australia shares
Hi My late mother and (not late) father own some shares in the commonwealth bank of australia (ASX code CBA). Details are vague but they somehow came into ownership of these many years ago via a scheme offered by the teachers union they were both members of. For clarity my mum and dad are both UK residents and have only…
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Revolut Instant Saver 5% rate not available after opening account for £20 reward
As stated in the title, I have just opened my Revolut account with the free Standard plan, hoping to get a £20 reward after spending £20, as suggested in the weekly email. The other perk is supposed to be access to an instant access savings account with a promotional rate of 5% until 4 December 2026. However: With my newly…
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Is it better to be a Scottish saver?
Or should I say a resident of Scotland when it comes to paying tax. And of courses a frugal saver. In particular if you are managing your income and trying to go as close as you dare to being a higher rate tax payer but keeping the max £1,000 tax free savings interest allowance rather than breaching the cliff edge and…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
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Revolut £20 cashback
Hello, Today I've opened a Revolut standard account. I have the virtual debit card in my Google wallet & I have spent over £40 in three separate transactions. The app wants me to complete setup by ordering a physical debit card with a £4.99 delivery fee. I do not require a physical card. Will I still get the £20 cashback &…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Cash ISAs: The Best Currently Available List by p1ston
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