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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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Skipton Lifetime ISA
Hi all, can someone help me discover when the "year" runs for putting savings into a Skipton LISA? Is it the financial year, calendar year or the anniversary of the account opening. Thanks
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MSE News: Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'
MoneySavingExpert.com founder Martin Lewis has made a suggestion on how to get young people investing WITHOUT cutting the £20,000 tax-free cash ISA limit... Read the full story: 'Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'' If you haven’t already, join the forum to reply.
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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Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap?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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HMRC tax code reduced due to savings interest - what happens after I’ve spent the savings?
I haven't lived in the UK for about 10 years, but have been paying into a savings account all the time I've been out. By July 2025, when I moved back to the UK, I had about 250k in an easy access account. I started a PAYE job in July of this year, and got given the tax code 669L, I assume to reflect the interest HMRC…
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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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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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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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Tesco Instant Access Cash ISA
On the application page for the Tesco Instant Access Cash ISA it states... "You can pay money into your account once your application is complete, but you won't be able to take money out until you send us certain information by post. We'll tell you what this involves once your account is open." Does anyone have experience…
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ISA maturity uncertainty
Hello, I'm a little confused: I have an ISA (4.75%) which matured at the end of the day yesterday (6th Oct). Yesterday, I applied for this to move to a new provider 'at maturity' as I was advised by the current provider to wait until the date and do this (although I have since realised I didn't need to wait). However, the…
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Best Junior Stocks and Shares ISA 2025?
I’m looking to open a Junior Investment ISA using funds from an existing Child Trust Fund (CTF). I’m relatively new to this area, but I want to make sure my child has the best possible start in life. My child will be turning 18 in around 4–5 years. I’m not a financial expert, so ideally, I’m looking for a simple, “set and…
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Any experience of Teachers Building Society or Harpenden?
I need to transfer my Cash ISA and Teachers Building Society and Harpenden Building Society both have good rates. Can anyone recommend either?
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RBS isa transfer from Principality.
I'm contemplating transferring my Isa from the Principality Easy access 4.2%var currently to RBS fixed 4.2%. Am I correct that principality only use paper forms to transfer into them, so how does it work when transferring out? How do l go about transferring to RBS via the app. I have a current account with them. I don't…
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ISA confusion
Hi all Excuse my ignorance here but can someone please clarify - the 20K limit for cash isa, does that mean that 20K is the upper limit of what you can have in there? i.e I have an isa into which I put 20K in January does that mean that's all I can have in there ever? And any interest I will have to withdraw? Or is that a…
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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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Moneybox Cash ISA – A Few Questions
Hi everyone, I’m thinking about transferring my Cash ISA to Moneybox, but I’ve got a few questions before I go ahead: * within the app, can you actually see which bank is holding your money, or is that info hidden? in trading 212 you can see which bank holds your money…
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Chip ISA
Last year i moved my cash to CHIP to get the great rate they are offering. With that rate about to end I am trying to transfer it to another CASH ISA but I can’t find someone who is able to accept a transfer from CHIP or Clear Bank. Has anyone found a High Street Bank that will accept a complete transfer from CHIP!
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Renting LISA bought first home
I have seen multiple posts/articles on this issue and I’m still left uncertain. If I was to purchase a home with a LISA and then decide to upsize to a bigger house in the future, would I be able to rent out my first home? If so, how long before you can make this move without paying a penalty from the LISA? Any help…
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Easy Access Cash ISA with debit card.
Do such things exist ?
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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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(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…
