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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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Chip Cash ISA transfer plan
Would appreciate people's feedback and suggestions on my plan for transferring away from Chip's Cash ISA now the interest rate has dropped to 1%. 1) Transfer Chip Cash ISA > Chip Smart ISA 3.75% REASON: Pending interest accrued but not yet paid on Cash ISA will be transferred. Believe I'd lose this if transferring direct…
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Investengine and Dividends
Is anyone else totally fed up with Investengine not paying Dividends on time, especially when they pay them on the day after the ex-div for the next month? So I've complained several times and it just keeps happening. They fobbed me off with "JP Morgan controls when the dividends are paid and we don't receive them straight…
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Anyone got a Moneyfarm Cash ISA and checked their daily interest?
Currently the Moneyfarm Cash ISA has a base interest rate of 3.80% AER "calculated daily and paid out daily", plus a bonus rate of 0.52% AER "calculated daily and paid out after 12 months", making a total of 4.32% AER ("Sum of base and bonus interest"). All good so far. Moneyfarm however, are not paying me the base…
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How will I get my money out of SS ISA?
In 20 years when I want to live off this cash, how can I get it out of you can no longer transfer to a Cash ISA? Living off invested money seems risky.
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HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
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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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CSH2 Money Market ETF
I am quite an experienced long term investor with a portfolio of investments built over the years. My wife has a transfer of funds held in a SIPP awaiting investment decisions and is age 66. The funds are currently earning a v low interest rate in the SIPP account. We have been reluctant to invest further at the current…
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Atom ISA transfer to Trading 212 - less than an hour!
Wow, that was fast. Really fast! I initiated the on-line transfer today at 15:26. Funds received by T212 at 16:23. Why can't it always be like that?
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Moneyfarm Cash ISA - impossible to get interest breakdown?
Nothing on the app and in the quarterly statements mentions the interest added. Only way I can seem to do it is a monthly view and deduct the ‘earnings’ from the previous month. But ideally I want to see when and how much they paid me for the 12 month bonus. Any ideas? I have emailed their hello@ address but as with them…
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Worst Cash ISA transfer saga ever?
Late April I initiated a cash ISA transfer NSI to Shawbrook sending about 55% of my NSI funds to them. Took 6 weeks or so to go through (2 cheques, 1 didn't arrive, second one did), SB admitted the delay/lack of action, paid £50 compensation and I was happy it was over. 2 weeks after that I was amazed to see the transfer…
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Paragon to Meteor - Superfast!
Paragon ISA matured today. I completed transfer request with Meteor last week to be actioned upon maturity. In my Meteor ISA account today at 5.45pm. Well done to both providers. Take note HSBC!
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Upcoming ISA Rules, and MMFs
Hi, I'm using the term "MMF" because I can link that to specific funds, like "Royal London Short Term Money Market Fund". Whereas the term "cash like" may take in things I know nothing about. Roughly 50% of the comments I've seen say that you can hold MMF in your ISA so long as that fund doesn't make up 100% of your…
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Tell us you cash ISA questions
Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally
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Basic question re proposed 22% tax on Stocks and Shares ISA's
I have some investments, which are managed, in Stocks and Shares ISA's. I am over 65. I believe the new propsed tax at 22% on the cash element, is for everyone, under and over 65. Is this right? I am finding mixed messages re this! Also, how do I find out what is the 'cash' element of my ISA's, that the proposed tax will…
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Impressively fast Cash ISA transfer - Chip to Monument
Opened the Monument Easy Access Cash ISA Boosted Rate account Monday morning and requested the transfer from Chip. By Tuesday 3pm it was all done, with the cash in the Monument account.
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ISA reform update
Tax update 2026: simplification, modernisation and fairness summary - GOV.UK ISA Reform The government is confirming the anticircumvention rules to support reforms to ISAs announced at Budget 2025 as part of the government’s wider strategy to develop a retail investment culture. To prevent circumvention of the lower…
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ISA partial transfer?
I have an ISA with trading 212, opened in Feb 2026 into which I transferred all my savings from Moneybox, which included the 20000 paid in from 25/26 allowance. Stupidly I didn’t realise that only the 20000 would get the promo rate of 4.4% and the rest is only getting 3.6%. Is it possible to only transfer the balance on…
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ISA Newbie
I'm 50 and have 40K in various regular savings accounts and have never had an ISA. I need to sort my savings into something better. I've seen the Coventry building society fixed ISA at 4.6%, but due to recently being made redundant I need to have flexibility incase I need to use the money. What would you suggest my best…
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MSE News: Cash held in stocks and shares ISAs to be hit with 22% charge on interest from April 2027
Savers who hold cash inside stocks and shares ISAs will be charged 22% on any interest earned on that cash from 6 April 2027, the Government has confirmed. The charge is designed to stop people using investment ISAs as a workaround to hold cash when the cash ISA limit is cut from £20,000 to £12,000 a year for under-65s…
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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…
