-
We want to hear about your Lifetime ISA (LISA) experiences
Are you planning to use your Lifetime ISA (LISA) towards your first home? Have you used one already, or tried to? We’d like to hear about your experience.Got a second-hand story about a friend or relative using a LISA? We'd love to hear that too. Or better yet, ask them to register for a Forum account and post about it…
-
ISAs & Tax-free Savings Sticky
💷 Forum threads on this topic which you may find useful: * Tax Free Savings Guide Discussion Area * Lifetime ISA Discussion Area * Help to Buy ISA Discussion Area * Stocks & Shares ISAs Discussion Area * Cash ISAs: The Best Currently Available List * Transfer Cash ISAs Discussion Area 💰Helpful content from…
-
Saffron Cash ISA transferring out
Hi Has anyone done a transfer out of their Saffron Cash ISA to another provider? Do they do it electronically or do you have to do it via a paper form via your new provider? Looking to transfer to Aldermore . Thanks
-
ive locked in with close bro
ive decided to lock my isa away with close brothers for 5 years at 4.85% hope ive done the right thing, activated the transfers (shawbrook & virgin) just hopefully it goes through with no hiccups, acc number issued etc and now watching the rates for the next 14days more intensely i wonder if a few years time i look back…
-
Cash ISAs: The Best Currently Available List
Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2026/27 tax year. **As with any financial product, before opening an…
-
MSE News: Warning: 'We're being forced to close and move £1,000s from our kid's Junior ISA'
If you're looking to open a junior ISA (JISA) for your child, first check whether they have a forgotten Child Trust Fund (CTF). Around 1.7 million CTF accounts were set up automatically, meaning it can be easy to double up. One MoneySaver who thought he was doing the right thing investing for his kid in an ISA has a…
-
Chip Smart Cash ISA - Beware this condition...
Just a heads-up for those thinking of opening a Chip Smart Cash ISA. It has much going for it for the first year as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…
-
Hargreaves Lansdown Cash ISA (Powered by Shawbrook) 4.3% AER
Just a word of warning for anyone considering opening this particular Cash ISA with Hargreaves Lansdown. I opened this very ISA in Feburary which at the time was paying 4.3% AER. In the short time since they have already dropped the rate 3 times. In May they dropped it to 4.01%. In June they dropped it again to 3.73% and…
-
Can I transfer maturing ISA into a new ISA same company?
Me again - asking a question for my husband. He opened a cash ISA a few weeks ago depositing the max amount possible from a lump sum received. He already had a cash ISA with the same company (Virgin) which was 1yr fixed rate and matures next week! We were both under the impression that if it was fixed rate 1 year ISA you…
-
Chip Financial Smart Cash ISA
Does anyone have experience of transferring ISA investments away from this new Chip Financial product? They don't give you a sort code and account number and it's therefore turning into an impossibility to transfer my investment away and into Charter Savings.
-
Top Cash ISAs
Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks
-
Cash ISA + Cash Lifetime ISA Limits from 6 April 2027
From 6 April 2027 onwards: Can I put £12,000 in a Cash ISA + £4,000 in a Cash Lifetime ISA. Total £16,000? Does money put into a Cash Lifetime count towards the £12,000 limit on Cash ISA's? Are Cash Lifetime ISA's separate to the Cash ISA Limit of £12,000?
-
LLoyds/Halifax ISA Cashback Offer question
Hello, Was too late for the Santander offer, too many issues reported on here for the HSBC and i was cutting it late requesting the HSBC transfer before tomorrow's deadline (if anyone who replied to my previous post asks). 3rd time lucky for this offer i guess? I've seen the next cashback offer is LLoyds/Halifax, however…
-
Isa closed
My wife closed her ISA 14 day cooling off period anyway my question is can she reopen it it says in Google you can as it was cooling off period? Is that correct? I was due to move house this plan may not be happening now
-
HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
-
HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
-
ISA maturing, new account and transferring in another ISAs
I have a cash ISA with Tesco set up Jan 2026 with £7000 transferred from a TSB ISA. I deposited £20K from savings into this in new tax year April 26. I have another fixed rate cash ISA with Virgin which matures end August. I want to keep both going but all in one ISA. Virgin have offered a new fixed term rate if 4.4% which…
-
Kent Reliance - is this ethical?
New to this so please bear with:) Last year I signed up to a 3 year Fixed ISA with Kent Reliance. The terms clearly stated that I could add (up to the ISA allowance) each year. I only chose this account for this reason (as most fixed ISAs only allow you to credit them when you open them). Anyhow Kent Reliance have decided…
-
ISA Maturity Date For Delayed Transfers
With a ISA transfer for delayed transfers (i.e. only transfer upon maturity), what should the maturity date be for the new account, if its a 1yr fixed? Background: Recently a relative applied to transfer an ISA which was maturing within a month to an new provider, which offered a competition 1yr fixed rate ISA. They called…
-
Aldermore Bank
I'm thinking of transferring an ISA to Aldermore who I've never had any dealings with before. Appreciate any comments good or bad regarding them.
-
Flexible Cash ISA - opening second one with new provider - what counts as this year’s allowance?
I have a flexible cash ISA with Halifax but am looking to transfer £15k of the existing balance into a flexible ISA with another provider to get a better interest rate. The new provider ISA doesn’t do ISA transfers so I will be withdrawing £15k from my Halifax ISA and paying into the new ISA, and as such I realise the…
-
Can I upgrade my ISA product with the same provider, if I live abroad ?
Hi there I have had an ISA account with Santander since 2009 but moved to Cyprus 10 years ago from the U.K I appreciate that I not allowed to make additional yearly contributions, but wanted to know if I am allowed to switch from and Easy Acess Cash ISA to a relatively better fixed rate ISA which currently has a 4.5%…
