After your refund
You've got your refund — here's how to make the most of it
A few honest options for putting your money to work. These aren't advice — just sensible places to start.
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Save it
If your refund is sitting in a current account earning nothing, a high-interest savings account is the simplest first move. Look for easy-access accounts so your money stays available.
Invest it
A stocks-and-shares ISA lets your money grow tax-free over the long term. Platforms like Trading 212 offer low-cost ISAs you can open in minutes. Investments can fall as well as rise.
Grow it
Apps such as Monzo and Chip make it easy to set money aside automatically and earn interest on what you save, with referral links available once you're set up.