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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

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…
(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
Monument Flexible - not treating flexible money correctly
I’m about to transfer out of Monument where I have an easy access flexible ISA. I withdrew a small amount of money in May, and today have put this back into the account. However they are showing this as new money, rather than the replacement funds from earlier years . Ive contacted them to query this today, but I wondered…
Moneybox or Tembo?
Good evening all, Difficult one to answer I know as everyone will have different experiences but my emergency fund of 20k ish is currently with Chip, bonus ends next week so down to about 4pc and looking at options. Moneybox and Tembo (for me) are top the charts. Appreciate anyone’s thoughts on the above two providers in…
New ISA time or carry on Trading 212 4.1%
Hi all, taking a breather indoors from being out and about in hot weather, to look at finances, looking at best ISA options for the 2025/2026 tax year - already got a LISA with HL which I'll put £4k into, leaving £16k remaining in this years allowance. - already got Trading 212 ISA from 2024/2025 tax year, circa £15k…
Shawbrook Bank are a complete shower!
I've been trying to transfer my matured ISA from Shawbrook to another bank for over a month now. Despite me filling the forms in correctly, requesting old monies only, my transfer request has now been refused around 5 times because they say I'm trying to transfer the current tax year's allowance! I'm at the end of my…
ISA Transfer Query
Hi, I have a cash ISA with approximately £3k in it from last year. It's with CHIP at 4.06%. Do I have an option to transfer this across to a new ISA at a better rate?
Trading 212 >>>>Vida ISA transfer
Anyone else transferring an ISA from T212 to Vida been successful?ISA transfer requested on 17th April, T212 say they never received it. Request re-sent on 7 May and again T212 claim to have not received.After i contacted T212 multiple times, they ask me for Vida email address and that they would contact them. I thought…
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…
Tembo and FSCS
Hi Sorry if this has been asked before. I have searched. On the Martin Lewis website it says my Tembo money is covered by FSCS. However when I've checked on the FSCS website, it isn't. I'm so confused. Which one to believe? I've checked on Tembos website, but they obviously say it is covered.
ISA Transfer Query
Hi, I have a cash ISA with approximately £3k in it from last year. It's with CHIP at 4.06%. Do I have an option to transfer this across to a new ISA at a better rate?
Government wants to dump cash ISA's
https://www.gbnews.com/money/cash-isa-reform-scrap-investing-stock-market
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…
Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
Transfer from Cash ISA to Lifetime ISA in current tax year
I added the full allowance of £20k to my Cash ISA with one provider in the current tax year. I thought I could later move £4k of that to my Lifetime ISA with another provider, but when I tried the Cash ISA provider blocked it. They say “Unfortunately, we are not able to proceed with this request because the customer has…
ISA transfers
Recently I moved the entire contents of an old Cash ISA to a new Cash ISA with the same bank as the old one was a one year fix. Am I able to open another Cash ISA with another provider and transfer, say, £5,000 from yet another existing Cash ISA account or is this not allowed under the £20k annual limit?
Trading 212 reducing bonus interest early
Hi all I set up a new cash ISA with Trading 212 as attracted by their bonus interest for new customers lasting 12 months. I noticed that the interest rate dropped and the bonus was no longer applied. I queried this and was told it was for a 3 month period only. This was not as mentioned on MSE site or on Trading…
Cash ISA instead of regular savings account? Is there a difference?
Hi all. Bit of an odd situation, hoping for a shine of the light. I currently have a Santander Edge Saver account at 3.93% interest, of which anything over 4k I believe is subject to a lower interest rate, and a regular saver also at 3.93%, which will reduce to 2.96% on August 1st. Having read the latest MSE newsletter…
ISA transfer funds issue
I have a matured fixed ISA with Shawbrook Bank, which has now been moved by them to an easy access ISA. I completed the ISA transfer online form with Virgin. Three times now it has been rejected by Shawbrook Bank with the reason that the funds are current year and not previous year monies? On the Virgin online form there…
ISA transfers: it's nice when they just work
It's nice when ISA transfers "just work". Opened a new cash ISA online (with a traditional building society) on Saturday, was asked if I wanted to transfer in an existing cash ISA as part of the account opening process, got notified first thing on Monday that the request was in progress, and then notified again…
isa
i have a flexible isa the highest its been this year is 13000 its down to 3000 the rate is not so good if i start a new one what will be the most i can pay in ie 20000 - 13000 so 7000 or 2000 -3000 so 17000

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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ISAs & tax-free savings

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