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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 Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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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My Portfolio
Here’s what I did......for comment, to adapt or ignore. Following the markets correction in April, I decided to put together a new portfolio, something that I was going to be very comfortable with and one that befits my advancing years. I had several objectives, all of which have been met. The most significant is my desire…
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Birmingham Midshires Dormant account now with LBG
as POA to MIl have found a letter broom Bham Midshires from June2010 for a bond with a very substantial balance that MIL and family are aware of and no other paperwork found. Registered with Mylost account and within 24 hrs has a Not Found reply. In the comment I have advised the account details, exact letter wording and…
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Superbia
The firm of financial advisers we use has sold out to Superbia and changed beyond recognition, bar its name. The managing director has retired, the older directors have disappeared, and what remains of the company has relocated to managed offices. The people I recognise on their website now are our adviser and his…
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Tax-free lump sum
With the public finances seeming in a worse state than ever, and with the government seemingly unable to get even small cuts in spend past its own MPs, I'm worried again about another private-sector pension raid. I have protected status within my SIPP so can take out £450k tax-free. I almost did it last year - well…
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Chip investment bribe
I received this e-mail - "deposit £100 into any Chip investment fund and we’ll give you £30, either as a gift card of your choice or cash via PayPal if you’d prefer". I know nothing about investing, but don't mind risking £100 (if it's a low risk) for £30 bribe. Any advice?
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Are there any millionaires who contribute to MSE?
And do any of them attribute any of their achievement to the advice and guidance given and available on here? I'm some way short of that target but I do feel it's possible. Thoughts?
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Plum lock out of account
I have had a plum savings investment app for approx. 3 years, nothing fancy, just a few pounds here and there. Last week the plum account would not accept my pin code on my phone to log in and I have tried everything to try and get back into my account but nothing works. You can't chat to Plum as you need to be in your…
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Crypto regrets
I dabbled in crypto around 2023. Tiny amounts initially but when I had the courage to go big, my bank 'S' stopped payments to binance. I instead invested in property, which resulted in a loss.... Are there any low fee crypto platforms where I can start again, that won't be blocked by my bank? Have I missed the boat or is…
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Cold wallets crypto
I'm spending time trying to learn a bit more about storing crypto seed phrases. I came across the 'material cold wallet' concept. Is this where you create your own seed phrases? These are not electronic, so how does crypto purchased and stored on crypto platforms 'know' what the phrases are?
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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…
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Can I trust Monefi?
Hi, I am currently looking to invest a sum of money (part of our pension fund) with Barclays via Monefi. I know they are a relatively new comer to the Financial Services' market, but don't really know if I am taking a major risk by going via them?! I am looking at opening a Bank bond which I know is safe and protected by…
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Review of the Financial Ombudsman Service
The government had announced a review of the Financial Ombudsman Service and is seeking views of their proposed changes https://www.gov.uk/government/consultations/fs-sector-strategy-review-of-the-financial-ombudsman-service At a quick glance, several of the changes may lead to less favourable outcomes for customers.
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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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Digital regular savings account
I have this account with my bank paying higher interest up to a max balance of £5,000 thereafter it drops to 1%. What happens if I stop making regular payments at the limit ?
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What's the advantage of a SIPP?
Hello everyone, I just typed 'SIPP' into the search bar, and have a lot of results to go through, but I thought I should try and ask my question, in a clean thread. I've never had a SIPP, and never really earned enough to be bothered. But I have mentioned in the past I have some inheritance I'm trying to make the best use…
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Declaring interest on fixed term savings accounts (non ISA)
My partner and I both had identical one year savings accounts with MBNA starting in March 2024. Mine ended in March 2025 and my interest will be declared in my next tax return. However, my partner opted to 'renew/extend' his savings account so the interest accrued became part of the new principal amount saved. Our question…
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Query Scottish Friendly Policy Maturity
Can anyone who has recently claimed their policy payout on maturity from Scottish Friendly advise whether you did have to send in your original policy document. Letter and forms said yes but customer care (who also stated they didn't know how each policy worked) stated that I did not have to.
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Investing my Inheritance Money
So I've been fortunate to inherit £160k from my grandparents, the money is currently in an interest savings account. I have a 37 year mortgage at 4.59%, and money being paid into a workplace pension scheme by my employer and also a private pension. With the money i obviously want invest to invest in other such as stocks…
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Investing parents money from house sale.
My parents are both in a care home. They are both in their 90s, mum has dementia and dad has virtually no mobility and is increasingly confused. In order to pay for the fees and to avoid the house being empty for too long (it has already been a year), we are just beginning the process of selling their house which is likely…
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Advice on savings and ISAs
Hello everyone, I have recently managed to pay off some debts I had and I'm finally in a place where I can start saving consistently. According to my budget, I should be able to save around £700 a month. I already have a Save to Buy ISA (I opened it about 5 years ago when they announced they were going to stop the scheme),…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21K discussions
157.9K comments
Most recent: Mature ISA transfers loss of interest by Hoenir
15 July at 10:41PM
