Top current account & auto-savings apps
There's now a wave of banking and savings apps which give you a helping hand with budgeting, saving and managing your cash in a way traditional banks don't – though the biggies are starting to catch up. If you're not smartphone-savvy or you prefer banking in branch, see Best Bank Accounts instead.
How to Start Saving
Get max interest from every penny
Want to start saving but don't know where to put your money? Our Savings Fountain shows you where to stash your cash in order to get the best possible interest rates and incentives, plus the full guide runs you through other quick-win savings tips.
Repay Debts or Save?
How to protect and max your cash
Those with debts AND savings are seriously overspending but the solution is simple. Pay the debts off, possibly even including your mortgage, before you save. Forget the old ‘must have an emergency savings fund' logic as getting rid of debts beats that too.
Get £100 cashback on 3%-ish
Peer-to-peer (P2P) lending firms such as Zopa, Funding Circle and Ratesetter offer rates of up to about 6%, but these are NOT the same as savings accounts. The regulator is worried people jump in without understanding the risks. This guide explains the risks and how the main players stack up.
Child Trust Funds
Should you switch to a junior ISA?
Child Trust Funds (CTFs) are defunct tax-free savings products, but the six million original accounts can be converted into more competitive junior ISAs – and the first children eligible for the funds are now old enough to manage their account themselves.
Tax-free savings & the starting savings rate
If you're a low earner, then since April 2015 you've been able to register to earn savings interest without paying any tax on it. This is different to the personal savings allowance – though it complements it – but how this starting savings rate works in practice, and who qualifies, is a bit more complex...