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Saving & banking

Last updated: 09:27 BST, 28 May 2024
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I think I owe tax on my savings interest: Do I need to tell HMRC - or will it contact me?

With the rise in 貯金 利益/興味 率s recently I now believe I 借りがある the 税金 man a four 人物/姿/数字 sum for the last 税金 year. I've read 相反する 報告(する)/憶測s on whether I should tell them or that they will tell me. What do I need to do?

Lloyds Bank launches current account switching deal with £175 paid within THREE DAYS

Between 28 May and 30 July, 顧客s can make use of the 現在の Account Switch Service to move their account to either a Club Lloyds account, a Club Lloyds Platinum account or a Club Lloyds Silver account.

Bunq Bank looks to relaunch in Britain - can it compete with Monzo and Starling?

Amsterdam-based 数字表示式の bank Bunq is limbering up for a UK 開始する,打ち上げる. This is Money speaks to bunq's CEO Ali Niknam about his 計画(する)s to re-enter the UK market and how bunq will compete against 数字表示式の banking 巨大(な)s Monzo, Starling and Revolut.

Best inflation-fighting savings rates: Make your money work harder

インフレーション fell to 2.3 per cent in the 12 months to April. The gap between the best 貯金 率s and the 率 of インフレーション has been 狭くするd since October 2023 which is good news for savers as ine in 10 貯金 accounts now (警官の)巡回区域,受持ち区域 インフレーション.

Nationwide set to hand Fairer Share bonus worth £350m to members

The building society last year gave some 3.3 million 顧客s £100 each. But the 最新の payout could be even higher because the 相互の's 利益(をあげる)s have been ブイ,浮標d by higher 利益/興味 率s. 全国的な has said it wants to capitalise on this to continue 支払う/賃金ing a 'Fairer 株' 特別手当 to 適格の members. The 詳細(に述べる)s, which will be 発表するd on Thursday, will come a day after Virgin Money 株主s decide on whether to 受託する a 議論の的になる £2.9 billion 引き継ぎ/買収 申し込む/申し出 from 全国的な.

Why?16 to 24-year-olds are putting their parents to shame when it comes to saving

Just under half of young savers put away at least 20% of their 月毎の income, compared to just 12% of 45- to 54-year-olds. But under 24-year-olds are the most likely to 下落する into their マリファナ, with more than one in five using it to 基金 everyday living expenses. They make an 普通の/平均(する) of three 撤退s from their saved 基金s every year, the 研究 shows.

Savers rush to open new savings accounts paying up to 5.05% - should you? SYLVIA MORRIS

Together, we Britons 持つ/拘留する more than £900bn in 平易な 接近 accounts ideal for dipping into when we need to plunder our 貯金. Now an 平易な 接近 account with a 新たな展開 is 殺到するing in 人気; the 限られた/立憲的な 接近 取引,協定. Last week Paragon (機の)カム out with a new 見解/翻訳/版 which propelled it straight to the 最高の,を越す of the best buy (米)棚上げする/(英)提議するs.

Households with emergency savings pots rise substantially - five financial trends revealed

More than 12million Britons could 改善する their 財政上の 状況/情勢 over the long 称する,呼ぶ/期間/用語 by 転換ing money in cash or Isas to 投資s a new 報告(する)/憶測 明らかにする/漏らすs. Many of us are not on 跡をつける to have enough for a comfortable 退職, as only one in seven 世帯s put enough in their 年金 マリファナs for a comfortable 退職.

Virgin Money's biggest independent investor 'disappointed' with board agreeing takeover by

In an excoriating broadside, 基金 管理/経営 会社/堅い Allan Gray - which owns more than 10 per cent of the 貸す人 - also said giving 全国的な's members a 投票(する) on the £2.9 billion buyout would have been 'a much better path'. The building society has come under 解雇する/砲火/射撃 for 辞退するing to give its 16 million members a say on the 引き継ぎ/買収. Virgin Money 株主s do get a 投票(する) on the 取引,協定 as it is a 名簿(に載せる)/表(にあげる)d company, and they have until this week to cast their 投票(する).

Providers 押し進めるd up their 率s in April, with several 申し込む/申し出ing more than 5% on a one-year 直す/買収する,八百長をするd 率 cash Isa. But those have all disappeared.

First Direct has 再発進するd its £175 switching 取引,協定 just two weeks after its last switching 取引,協定 ended 予定 to 需要・要求する from 顧客s.

Record savers rushed to open Isas this April thanks to new rules and top rates

New 支配するs and higher 率s resulted in a jump in the number of savers 開始 accounts at the start of this year's Isa season. There has been a 200% jump in the number of savers who 急ぐd to open an Isa in the first two weeks of April this year compared to the same period last year.

The lucky 勝利者 put the £100 into 賞与金 社債s just over a year ago. Check who scooped the £1million jackpot and all other major prices above £1,000 in our (米)棚上げする/(英)提議するs.

Looking to fix your savings? A two-year deal is my tip, says SYLVIA MORRIS

One-year 直す/買収する,八百長をするd 率 社債s have been a 会社/堅い favourite の中で savers for months. But a new 甘い 位置/汚点/見つけ出す has 現れるd, and short-sighted savers could 行方不明になる out on higher returns if they stick with the ever popular one-year 中心的要素. Two-year 直す/買収する,八百長をするd 社債s are the new 星/主役にする of the show, as インフレーション 落ちるs and 利益/興味 率s are 予定 to 減少(する) に向かって the end of the year.

I chose to 移転 my Isa and went through the usual 過程, giving Shawbrook three weeks' notice, but it did not 過程 the 移転 until after my account 円熟したd.

The 普通の/平均(する) high street 平易な-接近 account 支払う/賃金s 1.7% 利益/興味 - but savers could earn 5% if they moved their money どこかよそで. We look at which banks have the 最高の,を越す 率s.

Last chance to bag a FREE railcard by signing up to these Santander bank accounts

Today is the last chance for those 老年の between 20 and 25 to 逮捕する themselves a 解放する/自由な four-year railcard by 開始 an account with Santander. The bank said on 普通の/平均(する) 16-25 Railcard 使用者s save £182 per year, meaning that they could save around £728 over four years

顧客s who opened HSBC's one-year 直す/買収する,八百長をするd 率 Isa say they have been unable to see the new Isa they opened or the money they transferred in.

'Planet Saver' eco-savings account lets you fight climate change - if you are happy to

The Ekko 惑星 Saver account sees 顧客s receive their deposit and 利益(をあげる), minus the 利益/興味 that they have waived that goes に向かって 環境の 事業/計画(する)s. It 申し込む/申し出s two 率s, 3.4 per cent for a one-year 社債 and 3.03 per cent for a three-month 選択.

Why the Virgin Money takeover may mean BETTER Nationwide savings rates - SYLVIA MORRIS

全国的な's 引き継ぎ/買収 of Virgin Money is hitting the headlines as thousands of 顧客s 抗議する that they will not get a 投票(する) on whether it should go ahead. 全国的な, which is owned by the 16 million 顧客s who are members of the society, 計画(する)s to buy Virgin Money to create Britain's second biggest 貯金 and 貸付金s group.

The Olympic coins collectors are desperate for -?do you have a 50p worth £1,000?

As the countdown to the Paris games begins, you might find yourself casting your mind 支援する to the 集まり of Olympic commemorative coins that were 問題/発行するd in 2011, ahead of the 2021 London Olympics. Unlike with the new Paris coin, the 29 different Olympic 50p designs for the London games were brought into 循環/発行部数. But are any of them 価値(がある) anything now?

The 転換 to card and contactless 科学(工学)技術 in the past 10年間 has been 早い - not just in Britain, but in all sorts of remote pockets of the world. This is yet a その上の 調印する of it.

Isas already 許す you to earn 税金-解放する/自由な 利益/興味 on up to £20,000 each 税金 year. But under 最近の 改革(する)s, they are now supposed to be more 柔軟な.

Not a student? You can still bag a FREE railcard by signing up for one of these current

The 申し込む/申し出 is 利用できる to 非,不,無-students who 完全にする an 使用/適用 to open an Everyday, Santander 辛勝する/優位 or Santander 辛勝する/優位 Up 経常収支 by 30 April, deposit at least £500 in the account before 14 May and 始める,決める up 動きやすい or online banking.

Tax trap on new NS&I British Savings Bonds when you pay in just £7,700

Savers who put just £7,705 into NS&I's new British 貯金 社債s could be landed with a 税金 法案 in three years' time, 予定 to the way the 社債s are structured. The 保証(人)d Growth 社債s, which went on sale last week, lock your money away for three years and 支払う/賃金 a 率 of 4.15% a year. Although 利益/興味 is earned every year, NS&I has structured the 社債s so that it can only be 接近d at the end of the three-year 称する,呼ぶ/期間/用語.

Lloyds Bank launches first-of-its-kind 'ready made' pension service

Lloyds Bank has teamed up with Scottish 未亡人s to 開始する,打ち上げる an app-based ready-made 年金s 製品 called Ready-Made 年金s. The first-of-its-肉親,親類d 製品 will 許す Lloyds 顧客s to open and manage a Scottish 未亡人s 年金 through their banking app or internet banking.

Savers and 投資家s will soon be able to 支払う/賃金 into as many Isas as they like, 妨げる/法廷,弁護士業 the Lifetime Isa - with as many providers as they choose, from the new 税金 year on 6 April.

Hundreds of NS&I 顧客s who have been struggling to スピードを出す/記録につける into their NS&I accounts could find it is 予定 to an error with the time on their 装置.

Best cash Isas you can STILL open before the end of the tax year

With just a day to go before the end of the 税金 year on 5 April, some savers will 必然的に be 緊急発進するing to 完全にする last minute Isa admin. Whether that is 開始 a new Isa account or transferring an 存在するing Isa, some providers 申し込む/申し出ing the 最高の,を越す Isa accounts will stop 受託するing new 使用/適用s or 移転s at 4pm today. We look at what is on 申し込む/申し出 - and the 最終期限s.

Don't let banks roll your Isa into an easy access account paying just 1.5%, says SYLVIA

Savers 注ぐd billions of 続けざまに猛撃するs into 直す/買収する,八百長をするd-率 取引,協定s this time last year. The most popular accounts - one-year 直す/買収する,八百長をするs - are coming to the end of their 称する,呼ぶ/期間/用語. But make sure you don't take your 注目する,もくろむ off the ball now, as I 恐れる thousands could find their money gets locked away again or - perhaps worse - their returns are wiped out within months.

A 賞与金 社債s 支えるもの/所有者 from the Highlands and Islands has become the second ever person from this part of the UK to 勝利,勝つ a coveted £1m 賞与金 社債s prize.

Barclays debanked our tennis club - £120 compensation isn't enough: CRANE ON THE CASE

I am keen lawn tennis player and the treasurer of my 地元の club. In summer 2023, the club was 接触するd by Barclays as it said we needed to go through some 'know your 顧客' 安全 checks. After several months and many calls, I did manage to 完全にする the checks. But soon after, the account was の近くにd.

First Direct is 開始する,打ち上げるing a 限られた/立憲的な-time switching 特別手当 of £175 for 経常収支 switchers - how does it compare to 申し込む/申し出s from Lloyds, NatWest and Santander?

How a flexible Isa can make your savings pot even more tax-friendly

Savers will be 急ぐing to use their Isa allowance before the end of this 税金 year to 避ける losing it. For those who are looking to maximise the 税金-friendliness of their 貯金 マリファナ, a 柔軟な Isa can be a useful 道具 in their 兵器庫. A 柔軟な Isa lets you 身を引く your money and, crucially, put it 支援する again without 影響する/感情ing your 年次の allowance - 供給するd you 支払う/賃金 it 支援する in the same 税金 year.

Savers 急ぐing to make the most of their Isa allowance can now (警官の)巡回区域,受持ち区域 the?最高の,を越す 平易な-接近 cash Isa 取引,協定 by 開始 an account with Hargreaves Lansdown's 貯金 壇・綱領・公約 Active 貯金.

One of the rarest and most 価値のある British coins in 存在 will soon be going under the 大打撃を与える and could fetch as much as $750,000.

New best buy easy-access cash Isa launched by Plum - but you need to have its app

A new 平易な-接近 Isa has 開始する,打ち上げるd from 投資するing and 予算ing app Plum. The new cash Isa 支払う/賃金s a 率 of 5.15% which is now the best 平易な-接近 cash Isa on the market. But how does it comare to other 平易な-接近 cash Isas?

Santander offers £185 cash bonus for switching current account

Santander has 開始する,打ち上げるd a £185 switching 特別手当 for 顧客s who move their 経常収支 to Santander. The 取引,協定 is open to new and 存在するing 顧客s who open a Santander 経常収支 through the 現在の Account Switch Service. But switchers will need to jump through a few hoops to get the £185 取引,協定 - we explain who is 適格の.

How much money do people your age usually save? See how you compare

Savers are still managing to put money away にもかかわらず two years of high インフレーション, rising food and energy costs and 増加するing mortgage or rent 支払い(額)s. But how much are people saving each year, and how does that change depending on what 行う/開催する/段階 of life they are in? A new 熟考する/考慮する looked at how our 緊急 基金s change over our lifetimes.

I am sure bank bosses are already rejoicing. Yet more 利益(をあげる)s to keep the City happy - and yet more directors' 特別手当s. But they would have a fight on their 手渡すs here.

Nikhil Rathi, the FCA's 長,指導者 (n)役員/(a)執行力のある, said other countries already had '料金-based approaches' to banking. In the UK, some providers like Santander already 告発(する),告訴(する)/料金 料金s on some accounts.

Banks to be given more time to investigate fraudulent payments

New 法律制定 introduced by the 政府 will give UK banks the 力/強力にする to pause 支払い(額)s for up to 72 hours if they 嫌疑者,容疑者/疑う a 顧客 is 存在 scammed. 現在/一般に, banks are given 24 hours to 過程 支払い(額)s in most 事例/患者s. The 草案 法律制定 comes as Santander 問題/発行するd a 警告 to its 顧客s about a new impersonation scam.

Nationwide agrees to buy Virgin Money - what does it mean for YOU?

全国的な Building Society has 明かすd a £2.9billion 取引,協定 to buy Virgin Money. The 取引,協定 will create create the second-biggest UK banking (独立の)存在 after Lloyd's. Here is everything you need to know about what the 取引,協定 means for you.

I live in フラン, and my account was の近くにd 予定 to Brexit, but I 港/避難所't been able to 身を引く my money. Now, someone has said they can't find any 記録,記録的な/記録する of me banking with Barclays at all.

Be warned - banks tell me they WON'T be ready for major Isa shake-up, says SYLVIA MORRIS

With a month to go until April 6 when changes to Isa 支配するs are supposed to kick in, 産業 insiders say providers are far from ready. It could be long after the 最終期限 that savers will 利益 - and some providers may not bring in the changes at all. That's why you need to be nimble to 確実にする you 利益(をあげる) from the new 支配するs as soon as possible.

Savers can (警官の)巡回区域,受持ち区域 the 最高の,を越す 平易な-接近 取引,協定 同様に as short and longer-称する,呼ぶ/期間/用語 直す/買収する,八百長をするd-率 取引,協定s by 開始 an account with 貯金 壇・綱領・公約 Raisin.

The 未来 of the 賞与金 社債s prize 基金 is hanging in the balance and depends on whether the (ドイツなどの)首相/(大学の)学長 発表するs any changes to NS&I 財政/金融ing 的s in the 予算 tomorrow

貯金 calculator

Work out how a lump sum or 正規の/正選手 月毎の 貯金 would grow

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THIS IS MONEY'S FIVE OF THE BEST SAVINGS DEALS

Raisin UK* is home to a 5.05% one-year 直す/買収する,八百長をするd 率 貯金 account. It is 申し込む/申し出d by one of its partner banks Paragon Bank. You can open the account online 経由で Raisin’s 貯金 壇・綱領・公約 with a 最小限 deposit of £1,000.

Hampshire 信用 Bank 支払う/賃金s 5% to 支えるもの/所有者s of its ‘two-year 直す/買収する,八百長をするd 率 取引,協定’. The account can be opened online with a 最小限 deposit of £1.

* (v)提携させる(n)支部,加入者 link: If you take out a 製品 This is Money may earn a (売買)手数料,委託(する)/委員会/権限. This does not 影響する/感情 our 編集(者)の independence.

Why have I been blocked from putting money in my Isa? I live abroad but still pay UK tax

I bank with 全国的な and have a 経常収支 and an Isa. I live 十分な time in Cyprus, but 全国的な has 封鎖するd me from transferring 基金s to my Isa as I do not have an 演説(する)/住所 in the UK. Why am I not able to move these 基金s that have not left the UK?

賞与金 社債s 勝利者s

Prize Area Value of 社債
£1,000,000 Hampshire And 小島 Of Wight £24,900
£1,000,000 Outer London £10,000
£100,000 Berkshire £15,000
£100,000 North Yorkshire £14,400
£100,000 Outer London £39,980
£100,000 Leicester £300
£100,000 Ealing £980
£100,000 Essex £8,875
More May 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of May 2024 勝利者s

Saving and investing calculator: Work out interest and investment returns

The secret to saving success is 構内/化合物 利益/興味. Over the long-称する,呼ぶ/期間/用語 this earns you 利益/興味 on the 利益/興味 on your 貯金 and 上げるs your returns. This calculator 作品 out how much a 正規の/正選手 月毎の 貯金 計画/陰謀 could make and how much a lump sum 投資 could be 価値(がある).

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

取引,協定s 選ぶd by This is Money's specialist reporters.

Best bank accounts: Top current accounts for interest and rewards

How hard does your bank account work for you? Hard enough to give you cashback on your 世帯 法案s, 利益/興味 on your balance or 簡単に standout 顧客 service? Here is our 選ぶ of the best accounts to make your money work harder, 削減(する) 負かす/撃墜する on 料金s, or get 解放する/自由な stuff.

Savings platforms: Get the best rates and manage your money

A new wave of 貯金 壇・綱領・公約s have 現れるd in 最近の years which help savers keep 跡をつける of their accounts more easily and move money into better 率s after 調印 up. We 一連の会議、交渉/完成する them up, look at the 最高の,を越す 率s from 貯金 壇・綱領・公約 Raisin and 明らかにする/漏らす whether they (警官の)巡回区域,受持ち区域 the best buys in our 独立した・無所属 This is Money 貯金 (米)棚上げする/(英)提議するs.

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賞与金 社債s 勝利者s

Prize Area Value of 社債
£1,000,000 Hampshire And 小島 Of Wight £24,900
£1,000,000 Outer London £10,000
£100,000 Berkshire £15,000
£100,000 North Yorkshire £14,400
£100,000 Outer London £39,980
£100,000 Leicester £300
£100,000 Ealing £980
£100,000 Essex £8,875
More May 2024 勝利者s
見解(をとる) 名簿(に載せる)/表(にあげる) of May 2024 勝利者s
   

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