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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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New £12,000 limit on Cash ISA
Ok so in the future we will apparently limited on how much we can put in a Cash ISA. Apparently we will still be able to put a total of £20,000 in a ISa but £12,000 in a cash ISA and the rest I presume in a stocks and shares ISA. if that’s the case then how are we limited other than by the range of companies we can use.…
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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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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Cash ISAs capped at 12,000 (a year)
Amount under-65s can put into cash Isas (Individual Savings Accounts) capped at £12,000, with the rest of the £20,000 allowance reserved for investments
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Transfers from S&S ISA to be scrapped
I read a daily mail article today saying our wonderful chancellor is cancelling the ability to transfer S&S ISA back to cash ISA’s, I appreciate this is to stop people putting in the additional £8k into the S&S ISA and transferring back, but what about old investments I have a lot of money currently In a S&S ISA, do I need…
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isa
i had full 20000 for year 23/24 in may of this year I with drawled 11900 and replaced in several amounts back up to the 20000 but as it was last years money dose this mean I can add more ie i have added 12314.94 and with drawn -2163.66 that's the 11900 plus's 414.94 i have added and again 2163 with drawn from this year…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Having more than one S&S ISA
I currently have two S&S ISA's with two different providers (Trading 212 and iWeb - majority of money is in iWeb). Is there any benefit to having more than one S&S ISA? I am thinking of consolidating my T212 into iWeb for ease. I don't mean in terms of fees paid etc, just the principle of having more than one S&S ISA.
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
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AJ Bell ISA dealing fees
Given that they charge £1.50 per deal and I’m investing cash monthly, is it more beneficial to swallow the fee and buy monthly, £200 to a single fund (will be £350 from April) or buy every 3/6 months to save fees? I’m guessing that time in the market is more important than saving £1.50 a month?
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Problem setting my Trading 212 ISA as a payee
I've just opened the Trading 212 Cash ISA and I'm trying to deposit funds from my Halifax current account. When I use the sort code and account number provided by Trading 212 (for JP Morgan Chase) to set up a new payee in Halifax, Halifax notifies me that the details are incorrect. It does recognise the sort code as for JP…
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PSA: Check your HMRC Tax Calculations if you have a Zopa Cash ISA
My Experience: HMRC said I owed £308 due to untaxed savings interest. I knew this was wrong as my savings are in a Cash ISA. After investigating, HMRC acknowledged a major flaw: Zopa did not correctly report the account as an ISA, so HMRC treated it as a taxable account. The Real Issue: HMRC's notices are vague. They don't…
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stocks & shares isa question
Hi, I have a basic stocks & shares isa question. I don't understand how they work. So if I buy shares at £12,000 and they rise to £20,000, so a gain of £8,000 profit, and I put them all in a stocks & shares isa, there's no capital gains tax. How do I then spend the money? If I want to buy a car or go on a holiday or…
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Best cash ISA with 50k ISA balances transferred in..
A bit advice on transferring my Cash ISA . I have around 50k in a Chartered ISA , the funds were deposited from previous years allowances , It is currently paying just under 4 % and but seen than I could get around .5% more but am confused by the wording on the Best ISA page on the mainpage . A lot of the top picks say…
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ISA reinvestment
I put £20k in an ISA in 2024 which has matured and also another £20k in 2025 both are in 1 year fixed interest rate ISA's, the 2024 one has now matured and reverted to 1.15% which is clearly not good. Can I reinvest this money as its an existing ISA and tax free or will it be classed as next years money. Little frustrating…
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Don't cut Cash ISA limit, MPs urge Government
Reducing the cash ISA allowance won't motivate people to invest in stocks and shares, a cross-party group of MPs has warned. In a new report published on Saturday 25 October, the Treasury Committee has urged the Government to leave the £20,000 limit in place – echoing previous calls from MoneySavingExpert.com founder…
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Autumn Budget: Cash ISA limit cut to £12,000 a year
How much you can save into your cash ISA each year will be cut from £20,000 to £12,000 from April 2027, the Chancellor Rachel Reeves has confirmed – though only if you're under 65, a caveat MoneySavingExpert.com Martin Lewis had called for. The change was announced on Wednesday 26 November as part of the Government's…
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Transfer ISA to surviving spouse after death
Anyone know which financial institutions allow the transfer of an ISA to the surviving spouse of a departed ISA holder, ,, Many don't allow this but I believe quite a few do ??? Thanks
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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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eToro Cash ISA - any experience?
Has anyone tried the eToro Cash ISA? https://www.etoro.com/investing/cash-isa/ It is currently paying 4.67% variable for 12 months (including a bonus).
