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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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Charter Savings Bank cash ISA account opening - not.
Just a cautionary tale regarding the hoops unsuccessfully jumped through attempting to open a cash ISA with Charter Savings Bank. Last week, my wife decided to move her cash ISA from Moneybox to Charter Savings Bank for reasons of interest rate. Filled in the online form stating that she wished to transfer an existing ISA,…
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Interest not compounded 1 year fixed ISA
I am thinking of saving with a company offereing 4.71% fixed for one year. What do they mean the interest is not compounded. I have never seen this before
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Chip Smart Cash ISA - Beware this condition...
Just a heads-up for those thinking of opening a Chip Smart Cash ISA. It has much going for it for the first year as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…
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Sticks isa
Hi I would like to start investing in a global index fund. One like this HSBC FTSE All-World Index (Class C) I would be investing my £20,000 allowance every year What would be the best/cheapest wat to do this? Through HSBS its self or through another provider. Any advice would ne appreciated as I have never set anything…
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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…
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Isa transfer
Just taken out a Chip isa after looking at rates here, but now find that neither of my 2 older isa providers are supported for transfer - Plum & Tembo
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How to deal with an ISA transfer rejection
Hi All, I wonder if someone has experience with a transfer rejection and how best to escalate. I raised a transfer request to my new ISA provider on 10th April asking for a full transfer of my previous tax years from my old provider and nothing for this year as I do not have a subscription with the old provider. Now my new…
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Help needed with isa
Hi I'm new to all this and I need advice. Hypothetically if I had a £20.000 for investing what would be the best way for a safe return.
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ive locked in with close bro
ive decided to lock my isa away with close brothers for 5 years at 4.85% hope ive done the right thing, activated the transfers (shawbrook & virgin) just hopefully it goes through with no hiccups, acc number issued etc and now watching the rates for the next 14days more intensely i wonder if a few years time i look back…
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Additional Permitted Subscription
Has anyone experience of opening APS accounts with banks/building societies and would recommend a particular one? TIA
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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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ISA with Charter Savings Bank
I opened an cash ISA with Nationwide in this tax year and transferred an existing ISA to it (no new money). I now want to open a new cash ISA which I will add new money to. Charter Savings has this wording that I need to agree to: "I have not subscribed and will not subscribe to another cash ISA in the same tax year that I…
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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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MSE News: Warning: 'We're being forced to close and move £1,000s from our kid's Junior ISA'
If you're looking to open a junior ISA (JISA) for your child, first check whether they have a forgotten Child Trust Fund (CTF). Around 1.7 million CTF accounts were set up automatically, meaning it can be easy to double up. One MoneySaver who thought he was doing the right thing investing for his kid in an ISA has a…
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Quickest ISA transfer
Hi Can anyone tell me the quickest providers for transferring a cash ISA? Many thanks
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Isa newbie
HHello I was wondering could someone advise me please . Im terribly bad with money but I have opened the 212 cash isa as recommended on page . Ive simply no idea what its about . Im going to be receiving money and I dont want to waste it on rubbish . I wanted to put some in as savings . Im just awful foolish with money and…
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withdrawing from an ISA
Hi, Im hoping to retire late next year (at 60) . I plan to put money in Isa's but I would like to know if i would pay tax on any regular funds I withdraw and put in my bank account
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Vida 3yr FR ISA 4.80% v Aldermore 3yr FR ISA 4.75%
Though there is a visible small difference in the interest rate there is a bigger difference in their t & c's with regard to early withdrawals. VIDA - Any withdrawals made before the fixed term ends are subject to 270 days’ loss of interest ALDERMORE - Any withdrawal subject to a deduction of 180 days' interest. Also a…
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ISA transfer from Virgin to Vida Savings
I requested a transfer of my Virgin ISA Flexi 3 account on 16th August. It was very efficient and quick and I now (2 days later in 18th August) have a Vida ISA account with £21904 in it. (My last record of the Virgin ISA was £21354) However, details old account at Virgin have completed disappeared. I have no record it ever…
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Chip Smart Cash ISA 4.55%
Hello Looking for a flexible instant access cash isa and the chip smart cash isa 4.55% looks a decent option ? Have checked out the t&cs and noticed clause Unpaid interest is forfeited if account is closed or transferred out As its a smart ISA could I just withdraw any money out and leave in £1 and pay into another…
