-
Moving Shares from GIA to S&S ISA
Hi all – I have shares in an old employer, which were bought on a monthly basis through an Employee share scheme. Often my purchase was fractional share amounts. I was in the scheme for a good number of years and as part of the scheme received “Matching Shares” which have all had their minimum holding time. These shares…
-
Nationwide fair share classed as interest
I was just preparing to do my tax return and gathering up info on interest paid and noticed that nationwide class their fairer shares payments as interest in the flex account. Was i the only one not to know this?
-
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…
-
Open a savings account with PoA
Mother in law has gone into a care home so she needs to sell her house to pay the fees. She currently has funds to keep her funded for 12 months, everything is in Lloyds Bank - club Lloyds current account, 'high interest' account paying circa 1.5%, and a Cash ISA If/When the house sells, is there a better place to put the…
-
I see little point of having REITS if I already invest in global index
Rookie investor here so bear with me. When it comes to investing I prefer to keep things simple and passive. What chance have I got of beating the market if even the odds are against the "professionals" beating the market? For my equities I investing in the Vanguard FTSE Global All Cap. Equities make up the majority of my…
-
First Direct Regular Saver
Can anyone tell me how long it takes to transfer the first payment into the First Direct Regular Saver? I have one about to mature and vaguely recall it took five working days from the date I applied for the account until I could transfer my first payment (or, at least, until the first payment updated in the account.) I…
-
17 year oil’s savings account
I set up a child’s account in their name with Halifax. When she turned 16 it was moved to regular savings account. Will it be taxed? I can still see it on my online backing, as I can see their younger sibling’s child account. Halifax should know her age. I’d hate for her to lose money if I could have avoided it.
-
trading 212 withdrawel under review.
doing some transfers out of my trade212 gia so i can fund this years isa. a couple of withdrawels under acouple of thousand each show as pending. But a withdrawel for about £12k is showing as under review. Should i be concerned about this? i understand it can take 3 days to arrive in my bank account.
-
Difficulties transferring Tembo Easy Access Cash ISA to a new Cash ISA provider
Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…
-
Tax on savings Interest
Can anyone please clarify the tax on savings. What I read is not clear. Scenario: I am retired but not a pensioner. I have no income except from savings interest accounts. If those savings earn say £10,000 a year in interest Is my personal allowace used against that? Or is that ignored? Am I only alble to use the £5000…
-
Help me decide where to put my savings??
hi all I have recently sold a property and now have approximately 170k to invest. I am in my mid 40s, and the money in want to invest I won’t need till my 60s now. I don’t mind risk, so looking for advice on where to place my investments, this is what I have currently done. 50k - placed in the vanguard all world caps fund…
-
Transfer into ii, etc
My platform is with ii, and I would like to know the 'correct' order for the following four tasks to ensure that one does not hold up the others. (I am not transferring any investment funds into ii, but I am selling part of my current S&S ISA and buying a different S&S ISA) TASKS 1.Transfer cash from a UK bank account into…
-
Shawbrook and 45 Day Notice transfer not made.
I have a Shawbrook 45 day notice savings account. Seven weeks ago I requested £20K to be transferred to my nominated account. Logging in to Shawbrook yesterday showed my balance was £20K lower and the transfer would go through that day. It didn’t and as I write this it’s still not showing. With a phone wait time of 35…
-
MSE News: Nationwide completes takeover of Virgin Money
Nationwide officially completed its takeover of Virgin Money and its 6.6 million customers on Thursday 2 April – here's what it means for your savings, current account, mortgage and more. https://www.moneysavingexpert.com/news/2026/04/virgin-money-nationwide-takeover/
-
Transferring Shares to my Spouse
It seems sensible to transfer some of my shares to my spouse so we can sell them and each receive our own CGT allowance. My question is about how to transfer them. They are current held by Morgan Stanley in the US, they trade on the NYSE. Do I need to actually need to 'transfer' the shares anywhere or can I just document…
-
S&S ISA horribly imbalanced - What to do
I have been investing in a SS ISA since 2020. I have 30K in in along with 60K in cash savings. I am worried that my portfolio is horribly inbalanced and I am duplicating effort. I am happy with my returns since 2020 my average is just above 11 percent per year. I want a bit in bonds and equity. The idea of the bonds is to…
-
Tandem 2 Year Fixed Cash ISA 2026
I am consdiering the Tandem 2 Year Fixed ISA, does anyone know if the interest added each month is shown on your account even though it isn't paid until end of term?
-
Saving interests and self assessment.
For the first time, I'm asked to file a self assessment by HMRC for the tax year 2024/2025. I believe the reason is my total interests went over 10000 due to the high interest rate then. I have gone through the form and as I am on PAYE, everything else looks straightforward apart from bank interests (I have no other…
-
Spooked by ongoing sharp decline in value of investments - should I cut my losses?
I started investing in early January. So far my only investment has been in a Stocks & Shares ISA. I bought shares in a well-known global index tracker ETF which has been recommended on MSE and elsewhere. I knew at the start that the value of investments can rise and fall, however I have been somewhat alarmed at how…
-
Best time to realise 2026/2027 CGT gains?
I have a GIA containing unwrapped investments of around £150K in HSBC Global Strategy Balanced INC that I want to get wrapped over time. I currently hold 63621 units with an average cost of 190p per unit. This is what's left after realising gains to fully use my 2025/26 ISA allowance. I assumed the optimal approach would…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
165.9K comments
Most recent: Cash ISAs: The Best Currently Available List by gt94sss2
Today at 2:10AM
