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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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Moving Nutmeg/JP Morgan ISAs - Robo-Investing or Cash ISAs?
I think the time has finally come for me to move my Nutmeg ISAs to another platform. The robo-investing has been fine but I'm told that the fees are too high. I already have stocks and shares ISAs with a couple of other providers such as Trading 212 and was thinking about transferring them over but "eggs in one basket",…
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Best Isa for transferring in - advice/guidance please -
Hello, I currently have a cash isa in T212 with max 2 yrs monies in it, the interest rate for existing customers is now 3.60% I need to transfer to another provider along with this years allowed amount for isa (not yet put in an isa) Guidance/advice/experience would be appreciated 😀
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Santander Fixed ISA
Hi, I wasn't planning to go with a fixed but I have emergency funds and worst case, I withdraw it and lose £300 in fees. Interest rate is 4.5% and a £50 Amazon voucher. I have some questions though - Is it completely online? As in I can set it up online and fund it from another bank account online? Although the interest is…
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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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Scottish widows STMMF to fixed rate ?
I have £50k sitting in a Royal London STMMF on the Scottish Widows platform in a S&S ISA account. With the uncertainty that this type of fund will allowed to be held in an ISA wrapper next year due to the changes announced by the one from accounts, would it be possible to switch this to a fixed rate ISA with a High street…
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InvestEngine Bonus
I’m trying to qualify for the £20,000 tier (£110 bonus), but I’ve run into an issue. I’ve deposited £19,950 of my own money, and received a £50 MSE bonus which has brought my ISA to the £20,000 annual limit. Because of the ISA cap, I’m unable to add the remaining £50 without exceeding the allowance. Given that I’ve…
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Virgin PEP
i have an old virgin PEP from late 90s that then got taken over by equitable life and then ultimately Utmost. i am now trying to take out some of the money but am being told by Utmost that they have no record of the account being set up as a PEP and thus having the tax advantages that a PEP offers when i withdraw funds ie…
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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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Plum - App Issues
Tried to open a Plum Cash ISA, on the app. Took me through the account setup, and eventually got to the ID & Address verification screen. Both boxes were marked as Verified (I had not sent photos of any documents at this point), and I could not continue. My only option was to press the X at the top of the screen, which…
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Child turning 18 in tax year - ISA allowance?
Hi all, say child turns 18 in July27, does their £9k/pa childhood ISA allowance become and extra £3k in year? or do they get a full adult allowance £12k in addition in year?
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Annual Interest on a Fixed Rate Cash ISA
Hello, I was thinking of opening a 5yr fixed rate cash isa. The ISA provider allows you to pay annual interest earned, into a current account. Will the annual interest be subject to Tax? Thanks
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ISA questions
Hi I have 2 cash isas both with nationwide. One for last year 20k One for this year 20k A couple of questions Are isas for different years always kept In separate accounts? Can I do anything with these isas other than withdraw the money? For example Can I change to a s&s isa ? Can I move it to another provider? For example…
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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…
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Maturing cash ISA quesry
I have a 1 year fixed rate cash ISA maturing in late June. ICan I reinvest immediately into a new ISA & retain the tax free status or do I have to hang around till April '27? I have already used this year's ISA to open a new 1yr fixed rate cash ISA.
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Cash ISA - Interest 'paid away' loses tax free status?
The West Brom Building Soc offers a fixed rate cash ISA @ 4.56% until Nov 27. I would like to take the monthly interest earned, on the deposit/capital, and have it paid into my current account with a high st bank to help with monthly expenses. The T&Cs say that 'paying away' the interest means it will lose its tax free…
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Best Broker for US Stock&ISA investing? (this is my pick, any comments?)
Hello everyone, I have been looking to changing my broker recently and wanted to share with you what I think and hopefully get some of your comments.. About 70% of my investments are in various Vanguard index funds and 30% in stocks (mainly US.) I have balanced risk profile with my Vanguard portfolio but for my stock…
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Flexible Easy Access Cash ISA
Hello, I opened a Skipton Building Society Flexible Members Cash ISA and paid in £10K, on 7th April 2026. A week or so later I opened two further Flexible Easy Access cash ISAs, one at Monument and one with Principality. I withdrew £9985(from Skipton) and then paid it into Monument. Leaving £15 in Skipton and then paid…
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Newbie looking at ISA stocks and Shares
I'm one of the many people who will be affected by the changes of ISA savings amounts for saving in April 2027. I therefore thought I would invest £500 this year as a trial run. I have put the rest into a Trading 212 cash ISA this April 2026. I have never invested in Stocks and Shares so am not sure where to start. I did…
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Question about interest on balances
I have perhaps a dumb question - 1. let’s say I open a cash ISA and deposit the full £20k with an account paying 4.3% 2. At the end of the year I receive the interest 3. At the start of year 2 I deposit another £20k into the same account, still at 4.3% 4. At the end of year 2, am I paid 4.3% on the entire £40k balance or…
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Gatehouse bank final profit total.
Hello This isn't that big a deal, but l noticed that when I decided to roll over my 1 year fix isa at 4.36% for another year (same term and interest) the maturity information stated my profit would be £855 but when l checked this morning it was only £853.31. Is this normal because of the sharia nature of the organisation.…
