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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 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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MSE News: Government fails to act on Lifetime ISA fines
The Government has failed to commit to urgently addressing "serious holes" in Lifetime ISAs (LISAs). It follows calls from cross-party MPs for reform, as well as long-standing campaigning from MoneySavingExpert.com (MSE) founder Martin Lewis to scrap the scheme's fine on first-time buyers purchasing homes above the LISA's…
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ISA vs Savings account as a first year uni student
Hello, I'm going into my first year of university in the next few weeks and im looking to start saving for my future. Parent's don't want me to get a job first year, which is fine. They cover my tuition and accom fees, and I get min sfe for a student living outside London. My monthly 'income' will be around £400 + 100/200…
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ISA Transfer Issue
I’m having issues with an ISA transfer. I have an ISA with provider A which is £20050. I initiate a transfer to provider B via provider B’s own transfer form. After a few days I see that only £50 has appeared in the new provider B account. Checking my provider A account I see the £50 has gone as a faster payment and not a…
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Opening new Vanquis ISA
I want to open a new 1 year fixed rate ISA with Vanquis solely for the purpose of transferring a maturing ISA from another provider. I have also funded another ISA this year. The first question in the application is "Have you already opened an ISA in this tax year?". Truthfully answering "yes" to this brings up the…
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Natwest ISA
Hi Had a Natwest fixed rate isa which matured on 4th September. Issued instructions to new provider on 28th August to open a new isa and set up transfer from Natwest on Maturity. All parties acknowledged requests. On 5th Sept Natwest informed me that they had moved funds to an easy access isa. Waited for transfer to take…
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Blocked Transfer of Junior Cash ISAs - Halifax to Coventry
Hi All, I have finally got around to finding a better ISA rate for my two daughters JISAs. I've opened a new account for each of them with the Coventry Building Society. As part of the application process I've supplied the information for the girls' current JISAs with the Halifax. All seemed to be fine but I then received…
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Tembo to Paragon transfer issue
Tembo let me know that funds had been send to Paragon last week, kept checking, but did not appear in my account. Checked with Paragon by secure message on Friday and now told; I can confirm that we received confirmation of transfer from Tembo stating they sent us the funds on 9th September. However, we have not received…
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Coventry Building Society - Junior Cash ISA as child approaches 18yr
Coventry Building Society Junior Cash ISA as child approaches 18yr I wanted to highlight an issue we are currently experiencing with Coventry Building Society, to hopefully save someone else the same headache, and see if anyone can offer guidance. Our children both had CTFs, that we moved into Junior Cash ISAs with…
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ISA or Offset mortgage
Hi new here and wanting some advice. Ive got an offset mortgage with just under 50k left to pay off, ive got 20k in the offset account, i have money put in a couple of years worth of isa's which amounts to just over 20k in total. I have been over paying the mortgage off and then using the interest from the isa's to also…
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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
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Maturing cash ISA over £85,000
I have a 1yr fixed rate cash ISA maturing in 3 weeks with Shawbrook. With interest it will have risen a couple of thousand above the £85,000 threshold. I hoped to reinvest some in an ISA in the same bank and transfer the remainder to a new provider to get it under the fscs limit but Shawbrook says I can reinvest or…
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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ISA Maturity Options
my ISA is due to mature in October. I have two questions regarding the options available: * Am I able to withdraw only the interest earned, and also transfer part of the balance to my son’s account, while leaving the remaining funds invested? * Alternatively, would it be more beneficial to renew the ISA for another one or…
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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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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Cynergy - Cash ISA Transfer in previous year plus current year?
So, it looks like rates are awful right now compared to where they were only few months back. Looking to transfer to Cynergy but their process looks complex. I want to: * Transfer my entire ISA portfolio including previous tax years * Transfer what i've put in this year Also, it says interest is paid annually and as this…
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S&S ISA Transfer Timescales
Hi, just looking for information. On Aug 6th I opened a new ISA and requested a transfer of my Wealthify S&S ISA. After a couple of weeks I contacted new provider who confirmed they had sent the transfer request to Wealthify on Aug 6th. I contacted again last week and was subsequently told they had been in touch with…
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(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
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Cash ISA transfer confusion
Morning, I opened a Cash ISA account with Chip on 18th September 2024. My boosted rate is about to expire so I'm looking at transferring. Currently the app reads ISA allowance: £0 / £20,000. Will this reset on 18th September 2025? I was considering transferring to Cynergy Bank as they offer the highest rate but they don't…
