ISAs & tax-free savings

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…

💷 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…

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as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…

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…

it’s paywalled so I can’t read the full article but I get the gist. Will he listen?

So now I have confirmation from Yorkshire Building Society that the value of my late husband's APS allowance has been passed to them by Kent Reliance who do not provide these ISAs. The value is £44,000 and I have that cash sat in a Zopa easy access account making 4.45% interest on a daily basis so all good. My question is…

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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…

My mother has a Cash ISA with Chartered Savings Bank and would like to carry out an internal transfer of the full balance (including the up to date interest) to a new Chartered Savings Bank Cash ISA that pays a higher interest rate. The new higher interest rate Cash ISA has already been set up but when she attempts to…

My wife and I each have a £20k bond maturing, which we plan to invest into a cash ISA using our current tax-year allowance. Our goal is to use it as an easy-access 'dip-in' pot with no withdrawal penalties, as the rest of our ISAs are currently tied up in fixed-rate accounts or stocks and shares ISAs. Our strategy is to…

I've been with ZOPA almost since they began and I've always found them very good. However, my opinion is changing rapidly! ZOPA has a technical problem that is preventing me transferring from a flexible to a fixed rate ISA. It seems impossible to get any support for this. Worse than that, two advisers have now suggested to…

As my bonus rate is coming to an end i tried to open a new Tesco ISA following the procedure laid out in my account. Got the usual "Something's gone wrong" screen at the end of the application. From previous experience I waited overnight but nothing was showing in my account. Phoned up this morning and was told that as I…

Hi I want to transfer my Vanguard S&S ISA (currently invested in a money market fund) to a cash ISA with a different provider. I've already used this year's cash ISA allowance. Having looked at rates, I was thinking of either Vanquis's 1 year fixed rate cash ISA, or Charter's variable rate one - but they both specify that…

I’ve just switched my sons savings account to a stocks and shares isa with HL. I’m finding the platform slightly confusing in comparison to T212 which i have my own isa on. I just want to invest his money in something safe like the FTSE all world, but there are that many versions of it on HL I’m at a loss. Asides from the…

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.…

Just had an email this morning to say that the platform will be branching out into Cash ISAs soon. I've signed up to the newsletter, so will have more information shortly. Chasing competitive interest rates doesn’t have to mean opening a new ISA every single year. Doing that usually leaves you managing multiple passwords,…

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…

Hi all Has anyone else had problems transferring their stocks and shares ISA from Plum? I was able to transfer my cash ISA from Plum to Trading212 in a matter of days, but transferring my S&S one has been an absolute nightmare. I requested the transfer at the beginning of August and T212 aborted the process one month later…

I live in Scotland . Been a member of Halifax for as long as I can remember . Recently they took over bank of Scotland and all Halifax members in Scotland were meant to be transferred to bank of Scotland . Every time I sign in I still sign in with Halifax log in and never accepted visa or credit cards from bank of Scotland…

So this is all new to me …. Myself and my other half both have ISA's that mature in early November. I have 20k and she has 12k. The plan is to transfer 20k each from her Premium Bonds into a new ISA before this new limit kicks in. The ISA's are with a very well know Bank that is in most high streets. The ultimate plan is…

Transferred £50k from virgin money to Halifax bank ( now Lloyds ) in may when fix finished . Halifax said I would receive £300 for this transfer by September 30th . Today as of ten minutes ago I have received nothing after following all guidelines . Anyone else got this problem . Obviously I am going to be in touch…

Hi Folks, Hope you are all well and many thanks for any replies. I had a search of the forum for answers and struggled to find any for this question so apologies if its been asked already. Ok so I've got an ISA i opened last year at the full amount ( 20k ) and it's going to be hitting it's end of year. I'm under the…

Nearly all the highest rate FR Cash Isas listed on the MSE website are for providers with exposure to these liabilities, As a result I have invested substantially in several of them without knowing this. Would it not be a better service if the affected providers were marked with a car symbol. I realize they are all covered…