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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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Hargreaves Lansdown HL Junior Stocks & Shares ISA
Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…
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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Tell us you cash ISA questions
Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally
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Coventry 1YR Fixed Rate ISA 333
If I open this ISA and then start an ISA transfer that won't be completed until end of September 2026 which is the maturity date of the ISA being transferred, what happens to the Coventry ISA? Does Coventry close the ISA as its too long to wait or does the ISA stay open with a zero balance until the funds are transfer at…
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First Time Buyer - HTB vs ISA
Hello, I currently have a Help to Buy ISA l. I am looking to buy my first property next year with my partner. However, my partner already has a mortgage so would not qualify as a first time buyer. I am wanting to know whether I would still be classed as a first time buyer if we were to purchase a property together? I am…
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Electronic ISA transfer from Trading 212
Hello Does anyone know of an ISA provider who allows an electronic transfer of a cash ISA from Trading 212 to their own ISA? I opened a Santander cash ISA for the new year and did the paper transfer from. Absoynotjinf has happened, Trading 212 can't trace the request, Santander are adamant they sent off the paperwork etc.…
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shawbrook mature
just a quick 1 here, my fixed isa is due to mature mid aug ive had a email from shawbrook asking what i want to do with my isa when it matures, its giving me the option of putting it in a easy access 4.21% (current fix 4.31%) i was wanting to hold out to see if the rates will rise in mid sept due to the iran war pushing…
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Kent Reliance Changes - should I open new ISA
I have had a KR Fixed rate ISA for few years and have always regularly deposited into it every month or so. I believe I will no longer be able to do this so will just have to leave it as it is until it matures next year. Are there other ISAs that allow regular deposits? Or should I look at a normal savings account instead?…
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Chip Cash ISA transfer plan
Would appreciate people's feedback and suggestions on my plan for transferring away from Chip's Cash ISA now the interest rate has dropped to 1%. 1) Transfer Chip Cash ISA > Chip Smart ISA 3.75% REASON: Pending interest accrued but not yet paid on Cash ISA will be transferred. Believe I'd lose this if transferring direct…
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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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Cash ISA transfer rules
I've already used my £20k ISA allowance for this year. I have an easy access Cash ISA with Tembo (totalling £40k+) which I want to transfer for a better (and possibly fixed term) rate. Am I right is assuming that transfers are not subject to the £20k allowance limit?? i.e that a transfer does not constitute a new payment -…
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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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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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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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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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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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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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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…
