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  • Can someone explain if there is any reason why I shouldn’t move my emergency fund (currently c. 4months salary) out of my generic NatWest savings acc where it is instantly accessible but only gets 1.75% and into cash on my trading212 account where they offer 5%? What’s the catch?

  • I’d wonder if technically you’d then need to report gainz to hmrc as it’s not a ‘bank’ and not covered by bank interest allowances

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