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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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When i'm 65
I turn 65 in May 2028. Like many others under 65, i'll only be able to invest £12k into a cash ISA in 27/28 when the rules change. However, in 28/29, if I wait till my birthday in May and i'll be back to the full £20k allowance into cash if I choose to do so. My question relates to the £8k i'm being forced to invest into a…
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Dodl App
I am moving here from wealthify for lower fees. Anyone like to refer a friend for the £30 voucher?
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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest.They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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Transfer from1 Year Fixed Cash ISA to a S&S ISA.
I have a Close Brothers 1 Year Fixed Cash ISA maturing at the beginning of February. I wish to transfer all proceeds to a Freetrade Flexible S&S ISA. They are offering 1% cashback on new ISA accounts with contributions greater than £10,000 which can be either new money or transfers in. How do I ensure the transfer takes…
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NON flexible ISA ???
I was about to transfer from my current cash ISA (3.72%) into the Moneybox Cash ISA @ 4.32% (bonus) as advertised on here - But it says "Is not a flexible ISA" What does this mean exactly? - Short answers / Examples greatly appreciated -
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Trying to decide between drip-feeding or investing a lump sum into S&S ISA
I opened a stocks and shares ISA on Trading 212 last week. This is my first experience of investing. I read the beginners' investing guide on MSE and I have also been trying to learn more about it from other sources. At the moment I only have £200 invested in the S&S ISA. I currently have £10k which is simply sitting in a…
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NatWest Invest S&S ISA vs Vanguard etc - fees
As well as a smaller pot (for messing around with manually) in a GIA on Trading2&2, I've kept the bulk of my non-pension investments in a stocks and shares ISA. Have 20K in there at the moment. I set this up about 5 years ago with fairly little knowledge of what was involved, just going off my bank at the time: NatWest…
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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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Cash ISA Transfer
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Looking for cash ISA provider
I've got a sum of money in my Nationwide Building Society cash ISA but it pays peanuts. So I want to move it to one paying better interest and I'm "asking the audience" for recommendations. Have searched Google, MSE and MoneySuperMarket, can't find anything suitable, but I'll revisit any suggestions. Criteria: * Instant…
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S&S ISA for DIY investments
Hi all As a long term plan I will put most of my savings into a pension invested in a diverse fund. If I wish to invest a few thousand more so as a hobby into specific stocks eg companies I think are selling a useful service or goods and will be for the long term, is it a good idea to use a s&s isa for this? For example…
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings 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. Thanks folks, MSE Helen
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Partial transfer from current tax year
Principality turned down a request for a partial transfer on the grounds that all the subscriptions where made in this tax year even when there was ISA transfers in from previous tax years included in the subscriptions Your thoughts please
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ISA transfer question
I hear alot of people saying you should never withdraw your money from a cash ISA - you should transfer your funds so that they maintain their tax-free status. I understand that makes sense if you have more than £20,000 in it, but if you have less than that, does it make any difference whether you do a transfer or just…
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HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
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Junior ISA annual maintenance fee
I pay £50 per month to Scottish friendly JISA for my LO. It started taking £7-£8 per month as maintenance fee from last year. The fund is sitting at 7k. Is there anywhere I can transfer JISA with less maintenance fee. When I started the direct debit there was no mention of maintenance fee. No idea when this was introduced…
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Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
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Transferring an ISA from a notice ISA account
I asked for the transfer to be made after the notice period. Does the receiving provider give this notice to the original provider? Never transferred from a notice account before. Thanks
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HSBC GIC -> Cash ISA online application?
I am looking to transfer some uninvested funds from HSBC GIC S&S ISA into a cash ISA. It is a bit painful experience so I try to do it not more than once a year. Are there any providers that would accept online application for this transfer? I have previously tried Virgin (had to chase it for 2 months) and Yorkshire…
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Cash ISA query
Hi all, Currwently have a Cash ISA which allows me to withdraw money 6 times a year and put back. The rate is now dropping to 3.25%. I see another account with same provider for 3.7%, dropping soon to 3.6% which allows 6 withdrawals also. Similar there is another one with another provider paying just over 4% with unlimited…
