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Amy S

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Review of the Moneybox app, Lifetime ISA:

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Super easy to setup a LISA

I was looking for a LISA with the best market interest rate which is easy to setup and manageable in a modern way. Moneybox fulfilled all of that criteria to a good standard. I'm very happy with how easy it was and how informative the process was. Reviewed on: 31st May 2023

Review of the NS&I, Premium Bond:

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Trust the low reviews

I'm fully aware it's possible to have a good experience with NS&I, but it's really luck of the draw whether you are going to be able to withdraw your money smoothly with no problems or whether you are going to face a real challenge accessing your money. I had a significant amount of savings in an NS&I account, and I won some money from those bonds over the years. If the money sits in the bonds and doesn't move, you probably won't experience any problems. I experienced one potential worst nightmare when buying a property which is I was unable to withdraw my money from NS&I. The situation was too long to explain fully but the highlights were: You cannot reset your password online, they send a reset password via post. Apparently their identity check service doesn't work for some young people due to lack of credit history. (I've had a credit card and a mortgage, so not sure what constitutes a necessary length of credit history to them) In order to complete the online form to withdraw your money without access to your online account you need a specific number (holders number), which is not sent to you in any correspondence via email. (Or at least it wasn't to me) It took a lot of stress and communications with my bank to find this holder's number in the original reference for the payment sent to NS&I originally. Customer Service were completely unhelpful. And even though I complained with suggestions of how to improve their service such as changing their id check provider so young people can complete the check, or resetting password online, they decided that they were in the right and there were no improvements to make. Reviewed on: 28th February 2023

Amy S

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Review of the Nationwide, FlexAccount:

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Best traditional bank you can choose

Nationwide was a bit slower than other traditional banks at making it to this century, with in app card freezing and payment authentication taking a while to be implemented. Since it has been implemented it's been the best traditional bank available. When I bought my first house, Nationwide sent me a little welcome package. Service is always friendly. I've had to ask Nationwide for all sorts of requests over the years and they've always been brilliant with little waiting time. If you want a bank you can rely on which also has in person branches, then go for Nationwide. Reviewed on: 28th February 2023

Review of the Monzo, Current Account:

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Super modern bank

Literally never had any issues with Monzo whatsoever. It's easy to sign up for. I've never had to ring up for anything. Payments to friends are easy. Payments to businesses are as safe as with traditional banks. You get a lot more visualisation with your finances on Monzo than with any traditional bank. No extra foreign currency transaction fees. The best. Reviewed on: 28th February 2023

Review of the Wealthify, Ethical Investment Plans:

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Easy ethical investing

Very straightforward process to sign up and start an ethical investment ISA. Wealthify tailor your ISA to suit your needs and attitudes towards investing. I would recommend Wealthify and the products they offer. Reviewed on: 28th February 2023

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