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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…
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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…
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ISA Flexibility Rules - current and previous tax years
After readinghttps://www.moneysavingexpert.com/savings/flexible-isas/ I've interpreted it as for flexible ISAs:- If you take out money added in the current tax year you can repay it back (within the current tax year) to any ISA - If you take out money added in a previous tax year you can repay it back (within the current…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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 2025/26 tax year. **As with any financial product, before opening an…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Transferred ISA - free shares
If you transfer a Cash ISA for a previous year from one provider to a Stocks ISA with a different provider I understand that this will remain in the previous year's Tax Wrapper providing that the transfer is made via the new provider (transfer form etc) i.e. you do not withdraw the cash and transfer the funds yourself.…
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Maturing shawbrook isa transfer to a ford money flexible
I'm trying to clarify before I transfer my fixed rate shawbrook isa into my flexible ford money isa. I do understand the current balance in ford money is both withdrawable and replaceable up to my 20k limit this tax year. The query I have is the portion transfered from Shawbrook available to withdraw partially I understand…
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Santander Stocks & Shares ISA opening £75 offer via Topcashback
Hello, I applied for a new Santander S&S ISA via TCB on 20th October 25, I got a ‘sorry for the delay we are performing checks to set up your investment hub message’. Also got an email the same day from Santander thanking me for joining the investment hub. On 22nd October my investment hub appeared in my Santander app and…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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Where to save a lump sum?
Hi everyone I’ve recently sold my house and moved to a rental to be in a better position to buy. I have a lump sum and want to know how to make the most of this without any risk. Is a fixed savings account the best way? I can’t fix really for any longer than 6 months with not knowing when we’ll find a house to buy. thanks
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ISA & Winter Fuel
I am perilously near the 35,000 limit for clawing back the Winter Fuel allowance through my tax code, and it is touch and go whether I breach the £35,000 figure. My wife is not particularly near it. We both have a decent holding in Cash Isa's. I was considering withdrawing some of my ISA and transferring it to hers, where…
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Child Trust Fund maturity and investment into senior cash ISA
My kid’s Child Trust Fund is due to mature when they reach
18 years this August. I have saved for them through out and have an excess of
£20000. On maturity, I want to save this ( they will operate) to a Cash ISA
with high interest. I got in touch with Kent Reliance which offers a great
interest rate for their variable…
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How to transfer out of Trading212 cash isa?
Edit: I FINALLY managed to transfer it, transferred the ISA Vida bank even though the interest rate wasn't as good as elsewhere as it was the only one i found accepting it. It's taken 2 months! Huge hassle throughout from trying to figure out the trading212 account number (there isnt one!), having to wait days to get…
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Clarification needed on 90 day SAYE shares to ISA transfer.
Hi all. I am aware that on maturity of my SAYE scheme I am able to transfer some shares directly to my ISA, however cannot find any definative answer as to how the transfer value is determined. The HMRC guidance page explains that the shares must be transferred within 90 days and will count towards my annual £20K limit,…
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S&S ISA newbie
I’ve read most of the links I can find on here about s&s isa and I’m ready to set one up. I’ve got £10k spare and thinking about trading 212. Do I add the whole money or split it for £2k a month? I’ve used £10k isa allowance this year and my premium bonds are full. I am not planning of needing this £10k for at least 10…
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Proof of Purchased ISA Product (online application)
Before I get in to my issue I want to say that mistakes have been made on our side (namely, possibly not checking in enough detail when the account was opened, and missing emails because so much bumph was sent). This is the issue:- In October 2023 I, and my husband, applied for a 2 year fixed ISA on line. A product that…
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Flexible ISA Query
I have opened a flexible ISA this year for 8,000. ISA tells me I still have 12,000 available to subscribe. I withdraw 4,000. ISA is flexible and tells me I now have 16,000 available to subscribe. Can I now subscribe 16,000, in a different ISA with a different company? Or is it 4000, back in the original and only 12000…
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Is Vida Bank secure?
I've opened an ISA with Vida Bank ready to transfer in another ISA. They have sent me a letter to authorise my linked account and the instructions say to visit their website at www.vidasavings.co.uk. I have tried this on Chrome, Edge and Norton browser and all three come up with a message stating that the website is Not…
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Best way to release funds from Stocks and Shares ISA
hi there I have a stocks and shares ISA with about £400,000 in it which is doing really well (apart from Fidelity MoneyBuilder Corporate Bonds which have lost about 20% over about 30 years), I have switched from reinvesting any dividends to having them paid into my bank account. But I need to realise some money for day to…
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Trading 212 - what do we think?
Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…
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Flexable S&S ISA for HMRC SAYE scheme shares
I'm looking for a recommendation for a Stocks and Shares (S&S) ISA that * is a flexible ISA * allows SAYE shares to be transferred in * has low ongoing and transactional costs A relative has an upcoming Save As You Earn (SAYE) share scheme maturing in a few months. They currently have past SAYE shares in an iWeb Share…
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Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
