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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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Flexi ISA for a 16 year old
Which banks can a 16 year old open a flexi cash ISA? He has a Virgin Money Cybersave account which offers very little interest and I would like him to open an ISA to start saving in that instead.
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Problem transferring cash ISA from Trading 212
Does anyone know of a savings provider who'll accept an online cash ISA transfer in from Trading 212
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Investec Fixed Rate ISAS - unusual maturity condition
I applied for an Investec 1 Year fixed rate ISA yesterday and on reading t and c's after applying noticed that on maturity the interest appeared to have to be paid away into your linked account. this seemed really odd to me so went onto their chat and this was confirmed that on maturity the Isa transfers to instant access…
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Basic question re proposed 22% tax on Stocks and Shares ISA's
I have some investments, which are managed, in Stocks and Shares ISA's. I am over 65. I believe the new propsed tax at 22% on the cash element, is for everyone, under and over 65. Is this right? I am finding mixed messages re this! Also, how do I find out what is the 'cash' element of my ISA's, that the proposed tax will…
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Coventry 2 year ISA
Applied for Coventry BS 2 year FR ISA (334) - noticed this account withdrawn day after letter dated with application forms sent out (unsure why couldn't open online as had previous account) Will they still allow account opening given state of postal deliveries ?
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UBL UK ISA transfer - need advise
Hello I can't find this on other threads about UBL. I sought to transfer old ISA money from a cash ISA (previously a fixed rate ISA with my normal bank). I did everything through the UBL website which said that the money has to go through into a funding account. So I made a payment (transfer) out of my cash ISA into that…
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Decent ISA rate and customer service??
I am with 212 for cash isa and in the last 3 months Santander. I find the latter impossible to speak to. It's all automated and I've been trying for 3 days to speak to a human. In regard to 212 I am trying to move out partial ISA money and they keep saying they have not received it(isa transfer request). I am at the point…
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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…
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Anyone got a Moneyfarm Cash ISA and checked their daily interest?
Currently the Moneyfarm Cash ISA has a base interest rate of 3.80% AER "calculated daily and paid out daily", plus a bonus rate of 0.52% AER "calculated daily and paid out after 12 months", making a total of 4.32% AER ("Sum of base and bonus interest"). All good so far. Moneyfarm however, are not paying me the base…
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ISA reform update
Tax update 2026: simplification, modernisation and fairness summary - GOV.UK ISA Reform The government is confirming the anticircumvention rules to support reforms to ISAs announced at Budget 2025 as part of the government’s wider strategy to develop a retail investment culture. To prevent circumvention of the lower…
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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 2026/27 tax year. **As with any financial product, before opening an…
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Classification/best use of funds from sale of home for a year whilst searching for new home?
Hi, I wonder if someone can advise on a couple of queries, or point towards reliable sources of advice/information. In the circumstances where someone has sold a main residence and is living “temp” whilst searching for a new property over a good few months, what might the savings and tax considerations be, if any, for the…
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Atom ISA transfer to Trading 212 - less than an hour!
Wow, that was fast. Really fast! I initiated the on-line transfer today at 15:26. Funds received by T212 at 16:23. Why can't it always be like that?
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Not sure how to manage L-ISA, S&S ISA & halting of SIPP
For the purpose of this, let's ignore the workplace pension before we deviate down that road. Current situation - I pay in an amount each month to my SIPP (Fidelity). Come the end of the tax year I see what the bank balance is like & how much I feel we can afford to say goodbye to & split that amount 50/50 between the wife…
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Disaster moving cash ISA from Skipton to Halifax
Anyone had problems moving money out of Skipton to another ISA? I am weeks in to the process and so far have had several letters from Halifax stating Skipton have found a mis-match between details provided by Halifax and their own records. We have checked everything and spoken to Halifax. The only thing we could find was…
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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…
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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…
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Investengine and Dividends
Is anyone else totally fed up with Investengine not paying Dividends on time, especially when they pay them on the day after the ex-div for the next month? So I've complained several times and it just keeps happening. They fobbed me off with "JP Morgan controls when the dividends are paid and we don't receive them straight…
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Crystal ball thoughts - 1 year or 2?
I have not yet funded this year's cash ISA, and have just got a matured previous year's cash ISA. Rates for both 1- and 2- year cash ISAs are about 4.6%. I haven't been tracking the rates over the last month or so, to see whether the general direction of travel is up or down. I am happy with either duration. Any thoughts?!
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options on s&s isa and xfer of dividends to cash isa
hi have cash held (dividends received) in a barclays stocks & shares isa looking to transfer the cash to another provider but in to a cash isa those i have looked at do not seem to allow transfers in to cash isa from a stocks one has anyone managed to do this and if so, what provider thanks for any advice
