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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Transfer in / Maturity date question
I have two fixed term ISAs maturing on the 8th of April. I want to transfer both to a new Moneybox ISA but I unsure when to initiate the transfer process to avoid any penalties that may occur. Should I wait until the maturity date or is it safe to start the process now (or an intervening date)?
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Cash ISA tactics for the new tax year ?
With talk of interest rate rises I'm just wondering what others are doing regarding their 2026-27 cash ISA deposits. I was thinking of depositing in a flexible ISA and, if there is a significant rate rise, I would transfer the cash to the higher rate account. Now , if there was a higher rate account that didn't allow…
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Moneybox Cash ISA rate for transfers in
Morning all I currently have a cash ISA with T212 which I've been happy with but the rate is now 3.6%, which is a little low compared to some others at the moment. I'm thinking of transferring to Moneybox as they're offering 4.26%, but I want to clarify that this rate applies to transfers in. On their website, it seems to…
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Transferred ISA
Hi, I transferred an ISA to Moneybox last week and the interest was 4.26%. They've since increased it to 4.51% for new customers which is really frustrating. They won't increase the rate either. Do offers for transfers now start happening everywhere just before the new tax year? Thanks
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flexible cash ISA: does withdrawn money count towards allowance?
Hi, I have a flexible cash ISA into which I have deposited 6000£ this tax year, and subsequently withdrawn £2000. If I wish to put this £2000 into a different cash ISA owned by a different provider (because the interest rate is better), does it count twice towards my allowance? In other words, have I used up £6000 or £8000…
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Monument partial transfer out / Charter Bank transfer in
Hi All, I’ve recently opened a new cash ISA with Charter Bank Savings and want to fund it by doing a partial transfer out of my Monument cash ISA (which I opened a month or so ago). I have not subscribed any new money for this current tax year to any ISA yet. The monument ISA was also funded by transferring out previous…
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Virgin ISA one year fixed transfer question
A couple of weeks ago I opened a Virgin ISA one year fixed and I already paid into that Isa . Now I see that Virgin has risen the interest rate. I'm unsure if I can open a new ISA with Virgin with this new rate and transfer the existing one into the new one. this is what it says in Virgin and for me it's not clear, first…
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Does Anyone Use Notice Cash ISA's?
Just noticed that Aldermore have a 60 day notice cash isa that is a better rate than my limited access isa with them but can't see why anyone would use a notice account with an isa. There are already too many hurdles to overcome moving funds between isa's without adding in the additional challenge of timing a transfer 60…
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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 confusion
Hi I have a 2 year cash ISA with UBL bank maturing on the 8th April, I would like to transfer to money box. UBL is saying if they do not have my instruction by the 8th April my money will go into another 2 year fixed ISA though I will have a 14 day cooling off period. Money box say I should wait till the maturity date to…
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Moneybox LISA interest query
Anybody else have a Moneybox LISA and looking to jump ship? I signed up for one last year and maxed it out with 4K. So it's currently sitting at £5122.37. It's interest rate is made up of an underlying rate and introductory bonus. The plan was to transfer this to a Dodl Stocks & Shares LISA on the 6th April. But it says…
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Chip Financial Cash ISA transfer to Skipton
I called Skipton yesterday to transfer a Cash ISA from Chip Financial to Skipton for a better rate. I was told that the transfer could take up to 7 days to complete. Amazingly, this afternoon I was notified by Skipton that the transfer was complete and the ISA money plus interest due is now showing in my Skipton ISA…
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A question about savings (ISA and other)
Hi all. I am looking at my savings options and had a few questions please. ISA - are they cumulative? I.e. every year I can put in the max amount on top of previous years? So first year would be £20k, next year another £20k which means that in 2 years I would have £40k getting tax free interest? Savings - every year I can…
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Monument Blocking ISA Transfer Out – Misallocating Interest and Giving Incorrect Advice?
Help Monument Bank are blocking / rejecting my ISA transfer out (from previous years’ funds). I wanted to see if anyone else has experienced anything similar - and also help anyone who may have been given the wrong advice. Is this an IT system error, or are customer service being given incorrect guidance? In mid-April…
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Can't transfer ISA from Monument Bank to Castle Trust Bank
Has anyone else had issues transferring their ISA from Monument or to Castle Trust? Both me and my husband are having issues and both banks are blaming each other. Castle Trust are saying that Monument keep rejecting the transfer request and Monument are saying that they have not received any requests. I don't know who to…
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ISA Help/Advice - New tax year.
Hi all, First of all, I'm sorry if I have posted this in the wrong section. I have tried doing some googling but I can't seem to figure this out - So I'm reaching out to some experts to advise me and I would be really grateful. Last year in November I opened my first ISA and deposited my full £20,000 allowance into here.…
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Top Cash ISAs
Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks
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ISA Allowance for Trading 212
I deposited £4500 into a chip Isa on 6th April 2025. Then I transferred £20k from another ISA to this ISA as well. It's a flexible ISA. I withdrew the lot as I got better interest elsewhere and I wouldn't have had enough interest to be over the £1k limit by doing this. I'm a low earner just earning £17400. I wanted to…
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HTB ISA transfer to LIFETIME
Good very recent podcast. Understand that HTB ISA must be used by 2029 (or 2030?) What though if one wants to transfer money from HTB to Lifetime ISA. Can it all be done at once; or has it to be done bit by bit within the £4k annual limit to pay into Lifetime?? And if within that £4k limit, then | assume that any transfer…
