-
Bare Trust Investment Account - For Minor's Own Assets
My child is beneficiary of an IIP trust settled by my late father. From this trust my child receives mandated income and, if income is sufficient, pays tax. The income is his absolute property. The primary intent of the IIP trust was to generate income to contribute towards education; initially building up a surplus which…
-
Santander Easy Access Saver Limited Edition (Issue 3)
Just had this email about my Easy Access Saver Limited Edition (Issue 3) We're increasing the term of your Easy Access Saver Limited Edition (Issue 3) by an extra 10 months. From 1 October 2024 you'll also get a new interest rate of 4.00% AER/3.93% gross (variable).
-
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…
-
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 This could include some products being withdrawn, temporarily restricted or rates adjustments, without notice.'
-
Clarity over tax on savings
Would someone be able to confirm something for me as I think I am misreading this. As a regular rate tax payer it says I can earn £1000 in interest per year before it is taxed. So if I have money in a savings account and I earn £800 in interest and in my ISA £600 interest per annum does that mean I have £1400 interest and…
-
Tesco Internet Savings Account
I opened A Tesco Internet Savings Account in June 2025. I deposited £43,000, interest rate of 4.01% for the first year. My balance at 31.03.26 is £43,384. How is this interst being calculated?
-
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…
-
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…
-
Computershare-AstraZeneca problems
Has anyone else had problems with their AZ shares being transferred to Computershare? Some of my shares are listed correctly as ordinary shares with the correct market value, but others are given a value in euros, way below the current market value. Computershare cannot explain it and it is impossible to contact anyone in…
-
ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
-
Seeking clarification regarding FSCS protection for funds in a Stock & Shares ISA
Hello. I'm considering opening a Stocks and Shares ISA with a view to eventually maxing out my annual ISA allowance, which is currently £20,000. I have no other ISAs currently. I am somewhat confused as to how FSCS protection works with regards to money invested in an S&S ISA. On the FSCS website, there is a page which -…
-
Freetrade 1% Cashback on S&S ISA Transfer.
ISA Transfer was completed abouta month ago and the offer rewards tab on their app shows this … Has anybody else completed the transfer and hsve a tick for point 2 above? Transfer is definitely covered for the offer…
-
best way to save
hi i would like to save 50% my net income as a good habit where i work allows me to use commsave credit union i also know there are regular savings accounts what would be the best option in some ways i like the money to be saved before i get access to it as i am not always disciplined to transfer myself also how about a…
-
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!
-
Trading 212
Just spent a fair amount of time going three quarters way through the process of opening a Trading 212 acc ISA , inc. reams of conditions etc, only to find after taking my id selfies, I needed my phone to do a Q scan to get any further because I needed a code from it , and I havent got that smart a phone ! Anyone found…
-
Clarify 30 day rule on stocks and shares
Hi there I sold some S&S - a Vanguard ETF - from within a T212 GIA (gain not subject to CGT as well under the £3k), in order to rebuy within my ISA. Am I correct that I cannot buy the same ETF in the GIA again for 30 days without this having a CGT implication later on? So if I want to buy in my GIA either wait until the 30…
-
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…
-
Selling shares in certificate form
Really need to sell my very small holding of BP shares that I have as a certificate (bought way back in 2008 roughly). I used to use x-o but have only just discovered they've closed (I got no e-mail about that happening). Where can I sell these shares now?
-
HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
-
Cynergy Issue 96 Available - 4.22%
Just a quick heads up to Cynergy customers. They have released Issue 96 paying 4.22% instant access. My bonus was approaching expiry so jumped across.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
