Money and Debt

UK bodies that regulate the banks, building societies, credit unions, insurers and major investment firms:

The Prudential Regulation Authority (PRA) 

The Financial Conduct Authority (FCA)

The Financial Ombudsman Service (FOS)

The Financial Services Compensation Scheme

The Money Advice Service offers free financial advice to members of the public.

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Savings

Savings

SAVINGS ACCOUNTS

A Savings Account allows you to put away money that you would like to save for a purchase or expense. This type of account usually has a specified level of accessibility, ranging from instant access to fixed notice access which require a certain amount of notification before you can withdraw …

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Savings

NEW INDIVIDUAL SAVINGS ACCOUNTS

Individual Savings Accounts (or ISAs) are tax-free savings and investment accounts whichl usually pay a higher interest than a normal deposit account. However before you open one you must familiarise yourself with any access restrictions that may apply. Many ISAs work on a fixed notice access system, where 30 to …

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Savings

CREDIT UNIONS

A credit union, a type of financial institution similar to a commercial bank, is a member-owned financial cooperative, controlled by its members and operated on a not-for-profit basis.

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Savings

NATIONAL SAVINGS AND INVESTMENTS

National Savings and Investments (or NS&I) provides government-backed savings and investment products. This means any money you invest is completely safe – this is called a “deposit based” investment (what you put in you get back).

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Savings

HELP TO SAVE

Help to Save is a new Government savings scheme for UK residents who are on low incomes and are claiming certain benefits. The scheme lasts for a maximum of 4 years.

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