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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Indexed Linked National Savings Certificates
Anyone still have these? Mine is near maturity in a few days time. Looking at the amount of interest generated i'm not sure i'm going to renew. The option of early 'cash in early' is gone. Considering this is where i was storing some of my emergency money, it's no longer any use for me. Just wondering what others might…
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Lifetime / Cash ISA Mistake
I have created a bit of a problem for myself and I am looking for some advice on how to resolve it... Back in April when the new tax year started I transferred £20k from my regular savings account into my Trading 2-1-2 Cash ISA (flexible). At the time the plan was to keep another £4k in a regular savings account at a…
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Help to buy isa or lisa
Hi. My son will be 23 at the end of this year. He has a help to buy isa with only £72 in it . Hehas other saving accounts and an isa. He will probably be looking to purchase a home before 2030 (i think deadline for help to buy?) I really don't understand them at all. Can he put the full amount of £12,000 into his before he…
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Flexible ISA / putting money back in after withdrawing?
Hello, I have a question around Flexible ISA rules. I have an ISA from the 2022-23 tax year (this is the confusing bit). I withdrew money and I'm wondering if I can put it back now? Details: * Opened a Barclays Smart Investor ISA (Flexible) in December 2022 * Put in £20k and my investment grew to £28k * Last month I…
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Trading 212
Hi. I took the advice on this website and used Trading 212 to
set up a new cash ISA. I followed the instructions on the app, set up a new
payee with my bank using the instructions given and deposited an amount of
money from my account into the Trading 212 ISA. I received an email confirming
the identity verification was…
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Child Trust Fund maturity and investment into senior cash ISA
My kid’s Child Trust Fund is due to mature when they reach
18 years this August. I have saved for them through out and have an excess of
£20000. On maturity, I want to save this ( they will operate) to a Cash ISA
with high interest. I got in touch with Kent Reliance which offers a great
interest rate for their variable…
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Do i have to transfer into a new ISA?
I don't understand this line in the MSE guidlines: * If you want to transfer, don't withdraw your cash and transfer it manually. You'll lose all tax benefits if you do. Instead, speak to the new provider and fill in an ISA transfer form. Your new provider will then move the money over for you – keeping your ISA cash…
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Tembo cash ISA transfers out
I have drawn a blank finding out whether Tembo allows partial transfers out. Does anyone know or have a link to Tembo information?
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transfering a cash isa into a stocks isa
earlier this year i opened a stocks and shares isa with trading212 and maxed out the 20k as soon as i could. Last year i opened a cash isa with chartr savings bank that is due to mature in November. When it matures can i transfer it to the trading212 stocks and shares isa or does it have to remain in a cash isa with eith…
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Flexible Cash Isa: Can you pay back into previous tax years?
In the 2024-2025 tax year I had 20k in a flexible ISA with Chip. Withdrew 12k, leaving 8k left at the end of that tax year. Can I replace the 12k from that tax year or is it limited to the 8k? Thanks.
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Trading 212?
I’m about to transfer my ISA from HSBC to Trade 212. Has anyone any experience with it and is it genuine and ok?
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Virgin Reject ISA Transfer
I requested Shawbrook Bank to transfer my Virgin ISA into their 4.31% 1yr fix. I heard back today from Shawbrook that the transfer has been refused. Contacted Virgin and the explanation given is that Shawbrook have sent the request to the wrong ISA Virgin team. Apparently it depends on what sort code is on your Virgin ISA.…
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(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…
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Help/advice on Stocks and Shares ISAs for a beginner
Hi folks I’m considering opening a stocks and shares ISA but I still get confused by it all. I’m not someone who likes too much risk and would be interested in a platform where I could just put money into and not have to think much about it, without incurring too much costs. I already put a little money into a regular ISA…
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Child Savings Account vs ISA in parents name
Hi, apologies if the answer to this question is obvious but i'm not particularly familiar with all the different types of savings accounts that are available and their advantages. Is there any advantage of saving £50 a month in future saver accounts for each of my children versus me just saving an extra £50 a month for…
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1 Yr Virgin Fixed Rate interest payment at odd time
1 Yr Virgin Fixed Rate E-ISA Issue 654 In December 24 I opened this ISA. I randomly noticed that interest had been added on 5th August. The ISA matures on Dec 24th 2025. Anyone know why Virgin have added interest in the 8th month of a 12 month fix?
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Virgin 1 Year Fixed Rate ISA 5.05%
As the title says, Virgin Money are offering a 1 year fixed rate cash ISA with a rate of 5.05%: https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/ Seems to beat the best rate offered in the MSE newsletter?
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ISA Transfer
I have already invested £20K into a Fixed rate ISA in this tax year. I also have an old flexible rate ISA which was opened some time ago. Under the rules, am I allowed to transfer the flexible rate ISA into a new Fixed rate ISA? The reason I am asking is that whenever I open an ISA one of the conditions is that you cannot…
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S&S ISA Transfer Timescales
Hi, just looking for information. On Aug 6th I opened a new ISA and requested a transfer of my Wealthify S&S ISA. After a couple of weeks I contacted new provider who confirmed they had sent the transfer request to Wealthify on Aug 6th. I contacted again last week and was subsequently told they had been in touch with…
