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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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Trading 212 Cash ISA - Best rate for new customers only
Has anyone on here who had previously benefited from a boosted introductory rate for a cash ISA with Trading 212 successfully managed to sign up again and got another boosted rate and if so, how did you manage to do it? Obviously you can use a different email address but ultimately your name and NI number would have to be…
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Santander Fixed ISA
Hi, I wasn't planning to go with a fixed but I have emergency funds and worst case, I withdraw it and lose £300 in fees. Interest rate is 4.5% and a £50 Amazon voucher. I have some questions though - Is it completely online? As in I can set it up online and fund it from another bank account online? Although the interest is…
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ISA questions
Hi I have 2 cash isas both with nationwide. One for last year 20k One for this year 20k A couple of questions Are isas for different years always kept In separate accounts? Can I do anything with these isas other than withdraw the money? For example Can I change to a s&s isa ? Can I move it to another provider? For example…
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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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Moving Nutmeg/JP Morgan ISAs - Robo-Investing or Cash ISAs?
I think the time has finally come for me to move my Nutmeg ISAs to another platform. The robo-investing has been fine but I'm told that the fees are too high. I already have stocks and shares ISAs with a couple of other providers such as Trading 212 and was thinking about transferring them over but "eggs in one basket",…
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Flexible Cash ISAs
If someone transferred a previous years Stocks and Shares ISA of a large value (way over the £20k annual limit) to a cash ISA that offers 'flexibility', once the transfer has arrived into the cash ISA, can they then withdraw the full amount and replace it back into the cash ISA as long as it is in the same tax year? Thanks…
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Santander Fixed ISA eVoucher offer
It looks like there are a few here who are familiar with the current deal. I have a hypothetical question about it. I know Santander run these kinds of offers regularly. Does anyone know roughly how long they run before they're pulled? Perhaps all of April for example, to entice a large ISA instake? Or perhaps just a…
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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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Trading212 Cash ISA transfer out
I have a trading212 cash ISA which I have requested to be transferred out (via the new provider). According to the trading212 help they would notify me and ask for approval, neither of which has happened yet after a week. I tried asking their online help on chat but they are not answering which is another issue. Has anyone…
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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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Scottish widows STMMF to fixed rate ?
I have £50k sitting in a Royal London STMMF on the Scottish Widows platform in a S&S ISA account. With the uncertainty that this type of fund will allowed to be held in an ISA wrapper next year due to the changes announced by the one from accounts, would it be possible to switch this to a fixed rate ISA with a High street…
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Best Isa for transferring in - advice/guidance please -
Hello, I currently have a cash isa in T212 with max 2 yrs monies in it, the interest rate for existing customers is now 3.60% I need to transfer to another provider along with this years allowed amount for isa (not yet put in an isa) Guidance/advice/experience would be appreciated 😀
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Very Impressive Cash ISA Transfer
Spoke to Swansea Building Society 11:30 am Tuesday 28th (yesterday) to finalise ISA transfer from Skipton Building Society to them. Staff member said she would arrange the transfer that afternoon. Today, 29th at 1:30pm the funds are in my Swansea ISA. That's the fastest I've experienced an ISA transfer and am very…
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Barclays Premier 2yr Fixed Term Flexi ISA - have I missed something?
Just opened this and funded it with £1000 to keep it available for new funding next tax year if it still proves to be a good interest rate. After opening the ISA I looked at the account info it states that the interest rate is variable- they have called it a fixed term account - have I missed something? Is it a fixed rate…
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Plum ISA Issues
Hi there, has anyone had any trouble transferring out a Plum cash ISA? As they are digital they apparently don't give you an account number or sort code. Plum has told me to use my National Insurance number as my account number and put zero's in the sort code when initiating the transfer. It doesn't seem to like my account…
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Plum ISA transfer out - interest forfeited
I have a Plum ISA, which I have had for over a year. A better rate came out, so I asked my new provider to transfer in from Plum. Plum have sent my monthly balance today, but I have lost 3 weeks interest. They tell me that you forfeit the interest when you transfer out, yet this was never made clear when I opened the…
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Santander ISA
Hi. At the start of the new tax year i opened a fixed rate ISA and transferred maximum allowed into it from my standsrd ISA (also with Santander)). However Santander now say i cannot pay more into either ISA since i have reached my limit for this year. Can that be correct when i transferred from an ISA to an ISA using…
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InvestEngine Bonus
I’m trying to qualify for the £20,000 tier (£110 bonus), but I’ve run into an issue. I’ve deposited £19,950 of my own money, and received a £50 MSE bonus which has brought my ISA to the £20,000 annual limit. Because of the ISA cap, I’m unable to add the remaining £50 without exceeding the allowance. Given that I’ve…
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Virgin PEP
i have an old virgin PEP from late 90s that then got taken over by equitable life and then ultimately Utmost. i am now trying to take out some of the money but am being told by Utmost that they have no record of the account being set up as a PEP and thus having the tax advantages that a PEP offers when i withdraw funds ie…
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Plum - App Issues
Tried to open a Plum Cash ISA, on the app. Took me through the account setup, and eventually got to the ID & Address verification screen. Both boxes were marked as Verified (I had not sent photos of any documents at this point), and I could not continue. My only option was to press the X at the top of the screen, which…
