-
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…
-
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…
-
flexible cash ISA: does withdrawn money count towards allowance?
Hi, I have a flexible cash ISA into which I have deposited 6000£ this tax year, and subsequently withdrawn £2000.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…
-
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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…
-
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…
-
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…
-
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…
-
Open new cash isa and transfer matured cash isa into same
Have a Shawbrook cash isa maturing April. Looking at opening new cash isa of £20k with Castle Trust Bank @ 4.2% fixed 1 year. Can I also transfer Shawbrook into this to maximise interest?
-
Opening a new cash Isa , transferring last year matured cash Isa, Isa interest
Hello, I am so muddled up about Isa 1. I have a cash Isa that will mature in July 2025. Can I open a new cash Isa at the beginning of new financial Year which is on 6 April 2025 or do I have to wait to open my new cash Isa until my last year cash Isa matures which is in July 2025. 2.I am entitled personal saving allowance…
-
Does anyone have any experience with Prosper for a Cash ISA?
Their new rate seems to be very good: https://www.moneysavingexpert.com/savings/best-cash-isa/#topeasy No transfers in, rate drops after 1yr Prosper - for new customers only , 4.7% - 2.78% variable + 1yr 1.92% 'Prosper boost' - No transfers in - Min. £10,000, Max. £20k a yr- Open via app- Interest paid: monthly (bonus paid…
-
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.…
-
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…
-
Existing shares into a S&S ISA
Hi I have a bunch of shares I have built up over the years through various means. Some were via company share save schemes, some I just bought and so on. Also due to corporate actions, some have split, been moved to other markets (AIM?) and in one case, even ended up being traded on the US stock markets after the company…
-
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…
-
Trading 212 - New Cash ISA
I am trying to open a new cash ISA with T212 ready to fund it with funds from the 6th April. I have started the opening process through the link but have now got to the point where it wants me to fund it so I have shut it down. When I was digging around it was just showing the rate of 3.6% but when I tried to add the promo…
-
Childrens ISA - providers that can offer both cash and S&S ISAs?
Good Morning All, I'd like your thoughts on the following please. I'd like to open ISAs for our one year old and three year old. My wife and I have both used up our 2025/26 allowance so can't saveany more within these accounts for them but want them to have their ownaccounts anyway. There are currently three options as I…
-
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…
-
New Money & Transfers
Having looked at the newsletter, there are some really good new ISA's for new money… which I will look to do, but then what do I do with my existing ISA? I think MoneyBox rates will drop and the new ISA's with the good deals either won't accept transfers or if they do, they will be lower rate. Don't really want to keep…
-
Maturing ISA
Hello I have a maturing Cash ISA which I’ve arranged to be paid into my bank as the transfer rates weren’t as good as a new ISA. If I pay this into another provider, a new Cash ISA before April 5th, is this still counted as my 2025-26 allowance or will this be my next tax years allowance? Thanks in advance.
-
Isa question's
Hi basic question, i am new to the world of Isa's and i am after some advice. Last year i opened 2 isa's one with marcus £15k and one with kroo £5k so what should i do with this year's comiing allowance should i deposit into each of them and make them 20k each, or should i open another isa with someone else for the sum of…
-
Zopa never again
I have a Zopa ISA maturing early April. I have initiated a transfer asking for it to be made on maturity. It has been rejected and on speaking to them I've been told I have to wait until the maturity to give the instruction or pay a breakage charge. I have never experienced this before I told the agent it was not normal…
-
ISA - topping up before april for tax-free savings
Currently have 0 in my ISA if I top up my ISA to 20k before 5th April 2026, does this mean I get an additional tax free 20k allowance next year ie I can invest 40k in my ISA tax free starting from 6th April 2026 and all the interest on the 40k will be tax free for the financial year 2026-2027
