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as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…

I am trying to transfer my trading 212 cash ISA to another isa provider Kent reliance but I am unable to as trading 212 is not part of Pay UK. Has anyone have a similar problem with transferring cash isas? Solutions please!

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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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

I've been a nationwide customer for over 60 years and have been happy with their service.They have now decided to change from an excellent system which gives you all the possible information you could possibly want. Now they have a team who just don't seem to have any idea what is useful. For example I have used my credit…

I have a Cash ISA with the first year bonus ending in a couple of weeks. I've used Moneyfactscompare to search for Cash ISAs before, and I've been able to filter by whether the ISA accepts transfers in, whether it's flexible, order by rate etc., i.e. multiple conditions, using a search panel like this: But now I can't seem…

I have a cash ISA with Tesco set up Jan 2026 with £7000 transferred from a TSB ISA. I deposited £20K from savings into this in new tax year April 26. I have another fixed rate cash ISA with Virgin which matures end August. I want to keep both going but all in one ISA. Virgin have offered a new fixed term rate if 4.4% which…

I’m a complete novice when it comes to S&S investing, but I’m happy to take the advice from ‘experts’ that investing in a S&S ISA is a better return than a cash ISA if the saver is prepared to lock the money away for at least 5 years. I have a cash ISA thats due to mature in the mid-December (around £24k) with Vida Bank. I…

Hello everyone, I am just after a bit of advice please…. Back last year I put £20k into a 1Yr Fixed Term ISA which matures shortly. My plan was to always let it expire and then use it in a new 1 or 2 or year ISA to cicrum-navigate the PSA reduction to £12k in April 2027, thus earning more interest on £20k for longer. Being…

Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…

I have an ISA which is about to mature and I want to transfer it to a new provider. Instead of it being 20k it is now 20,600 approximately because of added interest. My question is can I only transfer the original 20 K and have to take the £600 as a withdrawal or can I transfer 20,600 into the new provider as I thought you…

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…

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…

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…

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.…