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Best credit cards for bad credit

If you have a bad credit history – or none at all – you may be turned down for the best credit card deals. One way to repair damaged credit and boost your credit score is to use a credit-builder credit card. What are credit cards with bad credit? People who are unable to receive […]

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Children and income tax

Our guide to tax when you’re gifting money to children. We explain the guidelines and how parents might avoid falling foul of the ‘£100 rule’. Do children pay income tax on their savings? Technically, yes – children are obligated to pay tax on savings, as they have the same income tax allowance as adults. It’s uncommon, though, as children […]

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Credit unions explained

Everything you need to know about credit union loans and savings accounts, including where to join a credit union and the interest rates you can anticipate receiving on loans and accounts. What exactly is a credit union, though? Credit unions are organisations in the financial sector that operate on a not-for-profit basis and are generally […]

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Cash Isa rules and allowances

How to invest your Isa allowance in accordance with the most recent laws, as well as answers to your most frequently asked Isa questions from the experts at Which? Money. What will the ISA contribution limit be in the 2022-23 tax year? Everyone has an Isa allowance of £20,000 for the tax year 2022-2023, and […]

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Cash Isa alternatives

What if you aren’t sure a cash Isa is for you? We discuss the benefits and downsides of various ways to save. Savings accounts Standard savings accounts may be the next place to check if you want to save in cash Isas. Basic-rate taxpayers can earn the first £1,000 of interest on non-Isa savings tax-free […]

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Can you inherit an Isa?

Under the new inheritance laws for Isas, you can learn how to transfer your Isa savings to a spouse or civil partner without having to pay any taxes on the transfer. Do I have a chance to inherit an ISA? If your spouse or partner passes away, it is likely that you will be able […]

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Are Isas still worthwhile?

Is it possible that the personal savings allowance could render cash Isas obsolete? If you want to determine whether cash Isas are still a viable home for your money, read the guide to tax-free savings that was published Do I still need an Isa? The individual savings account and the regular savings account are now […]

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