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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

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
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…
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 >
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 ?
Is Apple’s Numbers a safe app to use for financial spreadsheets?
Would you use Apple’s Numbers app to store your financial information on? If not, why not and what do you prefer to use for such things?
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…
As a PAYE taxpayer, how to complete a BBSI letter from HMRC?
I've had a letter from HMRC stating that I have untaxed interest for the 2024-2025 tax year, and instructing me to provide "information [for] each bank and building society account". I have had at least* 14 cash accounts in the year; their form allows space for just four, and says to continue on additional sheets. The form…
Godfather of Ai
Hi just watched a video where Geoffrey Hinton was talking about the risks of Ai and especially super Ai one of the risks he put forward was the increase of bank cyber attacks and he said he has at least 3 different bank accounts to mitigate what he think is going to be an increasing cyber attack on banks once super Ai is…
How should I invest my Inheritance money?
Last year I inherited £10k from my grandparents. I have had it sat in a savings account with an interest rate 4.72%. I own a stocks and shares ISA with vanguard (worth around £20k currently), in which I invest a few hundred every month into either LifeStrategy® 60% Equity Fund - Accumulation or LifeStrategy® 80% Equity…
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…
Transferring shares from SAYE sharesave scheme to wife's ISA?
What’s the actual process to transfer share certificates to a spouse? Can I just give them to a spouse for them to deposit them into their own S&S ISA? The share certificates will be from a SAYE/shareshave scheme - managed by Equiniti. The S&S ISA will be provided by IWeb.
Taking out Cash ISA money from Trading 212 account to Easy Access savings advice
Asking for my relative, who is not working/not receiving any other income and 50 (i.e not receiving pension anytime soon). I helped them set up and transfer their previous years of Cash ISA to Trading 212 recently but the rate has dropped to 4.36%. As far as I know this is a flexible ISA so I was wondering if I can help…
Pay.off & invest or not pay off & invest?
Hi all, Just wanted your opinions on the following. A few weeks ago I was extremely lucky to win a competition that resulted in a considerable 5 figure sum hitting my bank account. I immediately paid off 2 bank loans that freed up over £550 a month. I have invested the remaining amount into a stocks & shares ISA that is…
Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshire Chorley Darlington Dudley…
How will my cash ISA work?
I put £4k into a cash isa last tax year at around 4.2% interest. It was with the bank that I bank with already. This tax year, I transferred this amount + an additional £9k into their new fixed term (1 year) isa. Does this mean I've used £13168 of my £20k allowance? Should I have perhaps opened an isa with a different…
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…
SIPP v Stocks and Shares ISA
I read that only 15% of UK adults have a stocks and shares ISA as most don't understand them. I've spent today trying to understand how these work. I'm late 50s and due to working part time as I was a lone parent, my nhs pension will be 'adequate'. Lump sum as of March 2024 statement is sitting at £30000 and monthly…
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…
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…
Nationwide Member Exclusive Bond
This year's bond is similar to last year's. 5%AER over 18 months. Maximum £10k. Down on last year's 5.5%.
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),…
General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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