| | MARTIN'S QUICK BRIEFING: For more tips, alerts & awful puns, follow Martin on Twitter You've a NEW £15,240 ISA allowance - get 2.25%
Happy New Tax Year. Everyone 16+ has a new tax-free savings allowance  MSE Towers is strewn with party popper debris, (own-brand) Cava corks and bunting after our New (Tax) Year do on Sunday night. Well, OK, it was just MSE Helen who ensured the new ISA guide was uploaded & working at 12.01am. But for savers there is at least a little more to celebrate.
EVERYONE aged 16 or over now has a brand-new £15,240 cash ISA allowance. Even if you opened one last week, the slate's wiped clean and you can do it all again. Here are my 10 need-to-knows... and if you think it looks similar to the top of last week's email, what do you mean? That was so last year...
| 1. | Cash ISAs are really simple. Don't be scared of ISAs. I wish I could hypnotise people reading the words 'cash ISA' to instead just see:
"IT'S A SAVINGS ACCOUNT YOU DON'T PAY TAX ON."
Know this and it all becomes clearer. People wrongly say "I don't use a cash ISA as I don't want to lock my cash away," but you don't have to lock away cash in an ISA.
- What's the tax gain? Earn £100 interest in a normal savings account and, if you pay basic 20% tax, you'd only receive £80 (£60 on 40% higher rate tax). In a cash ISA, as there's no tax, you keep the whole £100. So, as long as rates are similar, ISAs win and top ISA rates tend to be higher anyway.
- How long is it tax-free for? Once in an ISA, it's tax-free, YEAR AFTER YEAR. So if you've big savings, you can gradually protect more of your cash from tax. If you'd started saving when ISAs were first introduced in 1999, you could now have £100,000+ (including interest) in tax-free savings.
- Do I have to keep the money in for a year to get the interest? No. While the rates quoted are annual, interest accrues daily, so whenever you withdraw you earn interest up to that point (though if you withdraw early on some fixed-rate ISAs you may get a little less interest as a penalty).
- Is my money safe in an ISA? Like all UK-regulated savings, cash ISAs have the full £85,000 per person per institution savings safety protection. | | | | 2. | Top 1.5% cash ISAs if you know you need to access your cash. As cash ISAs are just a savings account you don't pay tax on, like normal savings, there are easy-access cash ISAs where you can put cash in today and withdraw when you want. Here are the top payers...
Both Skipton BS and NS&I pay the top rate of 1.5%, but both are only for new money. If you want to transfer old ISAs to easy access, the Post Office pays 1.41%. All these rates are 'variable' so watch in case they drop.
Many ask "will better rates launch later?". Well, if you can wait till Thu, West Brom BS is launching a 1.55% ISA (three withdrawals/yr) which allows transfers. We'll have full details in our Cash ISA guide then, but it's unlikely (not impossible) rates'll get much better. | | | | 3. | Most people should grab up to 2.25% cash ISAs. Unless you KNOW you'll need the cash soon, fixed-rate deals pay more, give set interest rates, and the ISA rules mean (unlike normal fixed savings) providers can't lock your cash away - all they can do is levy early withdrawal penalties.
- Coventry BS's 2.25% fix until May 2019 (no transfers) is a corking deal. It allows you to withdraw cash by closing the account, costing you just 120 days' interest - roughly a third of a year. Withdraw after a year, and you'd get 1.51%, beating the top easy-access deals.
- Virgin Money's 1.65% 1yr fix is for new money & transfers. You can make partial withdrawals and lose 60 days' interest on them.
- Leeds BS's 2.1% 2yr fix is for new money & transfers (min £15k). You can withdraw 25% penalty-free, but lose 150 days' interest after.
- Santander 123 bank customers can get its 123 2% 2yr fix for new money & transfers (min £500) with a 120-day interest early closure penalty. | | | | 4. | 5% taxed, if you're willing to switch bank account. Cash ISAs easily beat normal savings, yet a few bank accounts pay far better rates, as loss leaders to promote switching. Interest is taxed, but it still usually beats top cash ISAs, and as they're bank accounts, you can withdraw whenever.
- For bigger savers, 3% AER interest + up to 3% cashback: Santander 123* is the only one which pays strong rates on a decent whack. You get 3% AER variable interest if you've £3,000 to £20,000 in it. That's 2.4% after tax for a basic-rate taxpayer and 1.8% for a higher-rate payer.
It has a £2/mth fee, but for most that's more than covered as it also pays cashback on direct debits from the account. You get 3% on mobile, phone, TV & b'band, 2% on energy and 1% on water & council tax - as Hannah tweeted us: "I get £260/yr and £504 since I opened it."
- 4% AER on £4k-£5k: Club Lloyds* (3.2% after basic tax, 2.4% higher).
- 5% AER up to £2,000: TSB* (4% after basic tax, 3% higher).
- Get £100 + £5 each month you're in credit: Halifax Reward* pays this regardless of how much you've got. As it's after basic-rate tax it beats TSB for most averaging under £1,500 in their account, even before the £100.
- Want to save monthly, not a lump sum? Two 'free switching bonus' bank accounts - First Direct* (free £125) and M&S* (free £100 M&S gift card) - have linked 6% regular savers where you can save up to £300 & £250/mth.
There are still some long-term reasons to open cash ISAs - read a full analysis of the pros and cons in my Santander 123 v Cash ISAs blog.
The 'using bank accounts as savings' need-to-knows...
1) Not everyone can get 'em. Most require... a) you to pass a credit check b) a minimum monthly deposit c) you set up a couple of direct debits.
2) The rates are variable. So keep your eyes open in case they change.
3) You can open more than one. This lets you save larger sums, but it can be tricky. For full help see the 5% Savings Loophole. | | | | 5. | Over 65? Have you opened a Pensioner Bond? While the interest is taxed, NS&I 65+ Guaranteed Growth Bonds (known as Pensioner Bonds) pay 4% fixed for 3 years or 2.8% fixed for a year, so after basic tax it's 3.2% and 2.24%. That beats all ISAs. For higher-rate taxpayers at 2.4% and 1.68% they beat most ISAs. Full help, pros & cons in Pensioner Bonds. | | | | 6. | Check old ISA rates - many are pitiful. Then boost them. Many old ISAs pay tiny rates, eg, the Halifax ISA Saver Online pays just 0.25% (it paid 3% in 2012) - check yours. You've a right to transfer to a new provider, while combining makes transferring in future (when rates change) easier.
All the above ISAs allow transfers (unless stated) and while you can add money to one where you've also transferred in, you don't have to. There's a full rundown in Top ISA Transfers.
To transfer, don't just withdraw the cash, as it'd no longer be in an ISA. Tell the new provider to transfer it for you instead. | | | | 7. | Want a Help to Buy ISA? Don't open a cash ISA. Last month's Budget announced the creation of a first-time buyers' Help to Buy (H2B) ISA to launch this autumn, where for every £200 you contribute, the Govt adds £50 (on top of bank interest). See our new Help to Buy ISA guide.
In simple terms you can't open an H2B ISA and a cash ISA in the same tax year so it's safer to avoid the combination. If you only want a cash ISA for a few months, there is a way to do both. For a full 'how to', read H2B ISA & Cash ISA info. | | | | 8. | If your income's sub-£15,600/yr all your savings are tax-free anyway. Since Monday, most people with total incomes under £15,600/yr can register to not pay tax on savings. That's because as well as the normal £10,600 personal allowance (where you don't pay income tax on earnings) you can now earn another £5,000 of savings interest tax-free too.
If you've earned income (ie, not from savings) above £10,600 though you lose a pound of savings allowance per pound earned. An example helps...
If you earn £12,000 you're £1,400 above the standard personal allowance, so the £5,000 savings allowance falls by that sum, giving only £3,600 more tax free. (For more info incl how to get it, see 2015 tax-free savings.)
In a year, every basic rate taxpayer will be able to earn £1,000 interest per year tax-free (higher rate £500) due to the new personal savings allowance. Yet don't let that sway you now - and even when it hits there will be times when ISAs win, see the Personal Savings Allowance guide. | | | | 9. | New Junior ISA & Child Trust Fund (CTF) year too. All under-18s have a new 2015/16 tax-free savings allowance of £4,080. Most get it in the form of a Junior ISA, yet those born between 1 Sep 2002 and 2 Jan 2011 instead have a Child Trust Fund (which you can now convert to a Junior ISA).
Yet getting these accounts for your kids is less clear-cut, as children tend not to earn enough to pay tax anyway. Full info in Top Junior ISAs or Top Child Trust Funds, plus also see Top Children's Savings.
| | | | 10. | The tip of the ISAberg. There's lots more info in our cash ISA guide that can help you. Here are just a few more pointers...
- Don't forget stocks & shares ISAs. While I've focused on cash ISAs as that's our specialty, you can also use your ISA allowance for stocks & shares ISAs.
- 16-17 year-olds can open standard AND Junior ISAs. Weirdly they get both the Junior ISA allowance and the main cash ISA allowance.
- ISA withdrawal rules change in autumn. Now, you can only put in £15,240/yr. Put in £10,000 & you've £5,240 left even if you later withdraw. Flexible ISA rules mean you'll be able to withdraw cash and replace it. | |
PS, I've a few days off this week. So having done some writing for this email, I've handed most of it over to the capable hands of the MSE team. Martin. |
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| Wed 8 Apr 2015 |
New. 16mth 0% NO FEE debt shift - the longest 0% no fee card this decade
Slash £100s or £1,000s off the cost of existing credit & store card debts as the balance transfer price war rages A balance transfer's when you get a new card that repays debts on an old card(s) for you, so you owe it, but at far lower interest. A price war means we've already got the longest-ever 0% card and this week the longest NO-FEE 0% card we've seen for at least 5 years has launched. It'd save someone owing £3,000 on a typical card £435 over the 16mths. - New. 16mth interest-free NO-FEE card. The new Halifax* card (eligibility calc) lets accepted new cardholders shift debt to it for 16mths 0% without the usual one-off fee (though as with many cards, some poorer credit scorers get less - in this case nine months). Clear the debt before the 0% ends and there's zero cost. Here's how it compares. Always aim for the lowest fee card possible that you're sure gives you enough time to clear the card..
TOP PICK 0% BALANCE TRANSFER DEALS
These are new cardholder deals, so if you already have one of these firms' cards, go for a different one | | To protect your credit file, find the card you've best chance of getting with the balance transfer eligibility calc. | | Card | Intro offer | One-off fee (1) | Rep APR after | | Halifax* Longest 0% no-fee | 16mths 0% (2) | None | 18.9% | | Santander* Previous longest 0% no-fee | 15mths 0% | None | 18.9% | | Tesco* Decent no-fee option | 14mths 0% | None | 20.6% | | Lloyds* Longer 0%, still relatively low fee | 28mths 0% | 1.5% | 18.9% | | Barclaycard* Longest 0% card | 36mths 0% (2) | 2.99% (3) | 18.9% | | MBNA* Longest 0% if you've a Barclaycard | 35mths 0% (2) | 2.79% (min £3) | 20.9% | | 1) % of the amount transferred. 2) Some get a shorter 0%. 3) You pay 3.5% and B'card refunds the difference. | - The Balance Transfer Golden Rules. It's not just about picking the right card, it's about using it the right way...
a) Don't just apply in hope, that marks your credit file. Instead use the Eligibility Calc to find your best chance first.
b) Never miss min monthly repayments, or the bank can end your 0% deal and charge far more.
c) Clear the card or transfer again before the 0% ends, or the rate rockets to the rep APR.
d) Don't spend/withdraw cash on these. It usually isn't at the cheap rate & cash withdrawals hit your credit file.
e) Unsure what to pick? Use our Which Card Is Cheapest? tool. Full help in Best Balance Transfers (APR Examples). back to top ↑ |
Sky TV packages instant 40% off & £100+ bill credit for newbies. MSE Blagged. Sky newbies (ie, if you haven't had it for 12mths) who go via this specific Sky link* get 40% off a year's contract on all its TV packages (excl HD upgrade fee) plus a £100 bill credit (£125 on Family/Complete packages). A one-off £10 set-up fee applies. First year costs are £13/mth to £48/mth depending on the package. You can get half-price broadband if you get its landline. Sky 40% off Child Trust Funds can now be converted to 3.25% Junior ISAs. Finally those trapped in old accounts can escape. But while cash CTFs should be switched, some investment CTFs shouldn't. Full pros & cons: Top Child Trust Funds £25 of make-up for £15, eg Touche Éclat, Benefit, Urban Decay. Via daily deals voucher. Feelunique.com Easyjet flight refund trick. Get difference back if price drops - check NOW. If an Easyjet flight you've booked later falls in price (excl sales), you can grab a vch. MSE Guy got a £16 vch for a Sept flight. Easyjet trick Free eye tests. Free £30-ish Optical Express* vch or Tesco Opticians is always free, as are tests in Scotland. Eye Tests |
Extreme couponing 20 tips: 'I got £67 of shopping for 11p'
We reveal secret tricks top coupon stashers use - can you save £100s with coupon-cutting or clicking techniques? Extreme couponers source, gain & hoard 100s of product and store coupons, then combine them for huge code-stacking discounts. If it sounds gobbledygook our new 20 Extreme Couponing Tips guide tells all - we've clipped the key info...  How much can you save? Many have astonishing success, eg, forumite Purple Sarah: "I got £67 of shopping for 11p after offers and coupons. I used £39.50 of Clubcard coupons, £5 off 40, a price promise and other coupons." See Coupon Successes. - How to find coupons. Start with our Supermarket Coupons page and check for discount vouchers for those stores. To take it up a notch, go through official sources such as mags & papers, then go further with dedicated coupon groups.
- Take couponing to the max. It's not just about collecting coupons. Use more clever tricks to boost savings, eg:
- Get stacking. Here's where you combine a range of offers in one go - see how to stack.
- Decode the jargon. "DD's posted a great MFR MOC." If you're serious about couponing, learn the lingo.
- Glitch-spot on Wednesdays. Supermarkets often change deals mid-week, so errors appear. Glitches
- Divvy up your trolley. Separate bargains from full-price branded items to make the most of price match policies.
- Do your homework first. To go extreme takes work & knowledge, so spend time through all 20 couponing tips. back to top ↑ |
| Daphne 'Perfume Princess' shrub £10 del code. MSE Blagged. Norm £25, next cheapest £20. Ends Fri. 5,000 avail Achoo... 90 hayfever tablets, £4 deliv. It's spring, and we've found 3 months of legit generic equivalents to Zirtec and Clarityn for £4 - nothing to sneeze at. Branded versions from Boots are up to £25. Cheap, legit hayfever tablets CODES: Ralph Lauren 20% off, Nike sale extra 10% off, La Redoute BOGOF, Space NK £10 off £40...
Ralph Lauren 20% off MSE Blagged | Nike extra 10% off sale | La Redoute BOGOF cheapest item free
Space NK £10 off £40 | Boden extra 10% off sale | ALL Codes & Vchs Ciaté 10 nail polishes £25 deliv (norm up to £9 each). MSE Blagged. Online code, 10,000 available. Ciaté |
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| FREE Ben & Jerry's ice cream. UK-wide for one-day only. See our Deals Hunters' Free Cone Day blog for the scoop. Cheap outdoor toys - eg, £80 trampoline (was £160), £50 kids' bike (was £100)
Argos up to 50% off, incl trampolines | Tesco Direct 25% off Little Tykes & Plum toys | Halfords 50% off kids' bikes
Get ready for summer with our toys deals. £18 Clarks school shoes, £28 men's Nike trainers, £29 women's Skechers code. MSE Blagged. Code gets one-day early access today (Wed) to Brantano's 40% off everything online sale, which ends Sun. Del £2.50. Brantano Show Best Buys
5 Cadbury Creme Eggs £1, £4 Thorntons Easter eggs £1.60, 6 hot cross buns 50p. Can you find 'em? Stores have slashed prices to flog un-sold Easter stock. See our Easter clear-out blog for what we've found. SUCCESS OF THE WEEK: (Send us yours on this or any topic)
"I split my train tickets last week from Bristol to York and saved £33." 'I haggled £850/yr off my small business energy deal.' You can save too. Business energy tariffs are bespoke so there's huge potential to haggle. First benchmark prices online - we like Energylinx for this. Then hit the phones and barter with big brokers such as Make It Cheaper* (we've blagged £30 cashback) and Business Juice* (£30 cashback or a £50 J Lewis vch if you go via our blagged link). One small office business we spoke to cut its renewal price from £3,500/yr to £2,650/yr in a few mins. For full help, see our new 60-second guide to Cheap Small Business Energy. |
Hot home insurance deals comparisons miss - incl £80 Amazon/M&S vch
Comparison sites give a good broad brush but they miss many one-off promos that may scythe down your costs Whether you've a studio flat or a mansion, there's no single cheapest insurer. So comparison sites are good, but they don't catch every offer - we aim to net the deals they miss. Full help in Cheap Home Insurance, here are the foundations...  Get the right cover - don't over- or under-insure. There are two elements:
Buildings - normally for freeholders. You don't need to cover your home's market value, just the lower cost of rebuilding it if it's knocked down. Rebuild calc.
Contents - for all. Many under-insure thinking: "I'd never claim £20k". Yet if you've £20k of stuff but only buy £10k of cover you may get less back than you thought. Say you claim for a £2k sofa, you may only get £1k. Contents calc.- Never auto-renew - combine comparisons at speed. Many just auto-renew, which lets insurers chunk up prices knowing there's no consequence. Instead, grab lots of quotes at speed by combining comparison sites (they don't cover identical insurers). Our current order's GoCompare* then MoneySup* (see full comparison site order). As Tony tweeted us: "Auto-renewal inertia tactics from Santander - £426. Did comparison, got it for less than £200".
- Home in on the HOT deals comparisons miss. Two biggies, Direct Line* & Aviva*, aren't on comparison sites so always check them too. Plus compare your best quote to the following MSE Blagged deals for combined buildings & contents policies. Vouchers are auto-sent, and while they can take up to 120 days to come, they're usually quicker. IMPORTANT: If you use ad or cookie-blocking software, turn it off or vouchers may not track.
- £80 Amazon voucher with Policy Expert. Use this Policy Expert* link by Wed 15 Apr.
- £80 M&S vch with Together Mutual. Use this TogetherM* link by 30 Apr (little feedback on it, let us know).
- £75 M&S voucher (£30 contents only) with Age UK. Use this Age UK* link by Tue 14 Apr. back to top ↑ |
| All aboard. Cheap train deals...
Chiltern Railways £2k+ off season tix till Thu 30 Apr | London Midland £15 rtns (norm up to £56) unlimited off-peak travel
South West £15 rtns (norm up to £69) till Fri 17 Apr. See ALL Train Deals 2for1 at 28 attractions incl Alton Towers, Legoland & Sea Life centres. Just spend £3ish. Merlin deals
Show Best Buys |
| Show Vouchers and Top Deals |
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 MONEY MORAL DILEMMA
Should my housemate pay for the dress she ruined?
This week's MoneySaver who wants advice asks... One of my housemates borrowed a dress of mine for a wedding and then shrunk it in the wash. It's not new but it was expensive and it's now unwearable. Should I ask her to give me the cash for it and risk having an awkward living situation? Or let it go as it was an accident? Enter the Money Moral Maze: Should my housemate pay for my dress? | Suggest an MMD | View past MMDs CHEAP FLIGHT SALES ALERT
Airline: Aer Lingus* Price: Flights to Ireland from £19.99 one-way Ends: Sun 12 Apr
Our pick this week is Aer Lingus'* offer on flights from 15 Apr to 30 Jun to six Irish destinations from 16 UK airports. The sale ends Sun 12 Apr and includes taxes and charges. There is no code - the price appears automatically. Extra charges warning: Avoid payment and check-in charges - see the Budget Airline Fee Fighting guide. Related: Cheap Flights, Cheap Hotels, Spending Abroad, Cheap Currency, Travel Insurance back to top ↑ |
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Martin's appearances (from Wed 8 Apr onward) Mon 13 Apr - This Morning, ITV, Money Monday, 10.30am.
Mon 13 Apr - Consumer Panel, BBC Radio 5, 12pm-1pm. Subscribe to podcast.
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MSE team corner Team blogs:
What happens in Vegas, doesn't always stay in Vegas
Regular team appearances: Fri 10 Apr
BBC Radio Manchester, 4.50pm | Discussion of the week Inappropriate reading for an 11-year old Should my child be reading a book about pregnancy, violence and relationships at 11? Join the discussion and let us know what you think in the Inappropriate reading for an 11-year old thread. | Cheap travel money |
This week's poll: How old were you when you bought your first home or have you never bought one? The Government has announced a new Help to Buy ISA where it'll add 25% onto the deposit savings for first-time buyers. So with this in mind, we wanted to see if the age people buy their first home has changed over the years. How old were you when you bought your first home? | Poll results The MSE Leaders' Debate - pick the key subjects for PM candidates
The Tory, Labour, Lib Dem, UKIP, Green, SNP & Plaid party leaders have agreed to answer your consumer finance questions. The top three subjects you wanted them to answer are: - Pensions - chosen by 43%
- Petrol costs - 39%
- Savings rates - 38%
8,046 voted. Soon we'll publish the party leaders' responses. In the meantime, see the full results. |
Question of the week Q: I've been given a gift of foreign currency hard cash - what's the most cost-effective way to transfer this back into sterling? Sarah, via email. MSE Helen S's A: Don't automatically take it to your bank as rates are likely to be awful. Instead, it's best to look at buy-back rates at bureaux de change. For this, use our Buyback TravelMoneyMax to see where you'll get the best deal. For example, the best rate we found yesterday converting euros to pounds was 73p to a euro, but some bureaux would only pay 67p, showing it's vital to compare. The other option is to hold on to it if it's a well-used currency such as euros or dollars that you might use on holiday in the future. Of course, you're taking a gamble either way by keeping it or exchanging it, as currency values can change. Please suggest a question of the week (we can't reply to individual emails). |
 Nick's free game of the week: Face Chase |
| Do you have a nickname for your car? That's it for this week, but before we go, apparently more than a third of us have a name for our motor with Bessie, Monty and Sybil in the top 10, according to Sainsbury's research. Do you have a nickname for yours? Let us know in the forum. We hope you save some money, Martin & the MSE team |
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What you need to know This info does not constitute financial advice, always do your own research on top to ensure it's right for your specific circumstances - and remember we focus on rates not service. We don't as a general policy investigate the solvency of companies mentioned, how likely they are to go bust, but there is a risk any company can struggle and it's rarely made public until it's too late (see the section 75 guide for protection tips). We often link to other websites, but we can't be responsible for their content. Always remember anyone can post on the MSE forums, so it can be very different from our opinion. Please read the Full Terms & Conditions, Privacy Policy, how this site is financed and Editorial Code. Martin Lewis is a registered trade mark belonging to Martin S Lewis. More about MoneySavingExpert and Martin Lewis What is MoneySavingExpert.com?
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