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Shawbrook FR ISA deposit
Hi Min deposit for the FR ISA is £1,000. On their website they say:- We're not part of the confirmation of payee scheme, so your bank may tell you this when you try and make a payment. It's nothing to worry about. For peace of mind, you may wish to make a small 'test' payment of £1. Once the payment has processed, you'll…
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Paying into an ISA opened in March 2024
Can I still pay into an ISA that I opened on 23/03/2024 - I thought that once the old tax year ended that was my lot thanks
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Open banking / ISA transfer
Hi, anyone having problems trying to use both Moneybox and ,or Plum platform? The rates for EA ISA are really good but they both managed by app that links and connects to chosen bank account. The issue i have is Santander don't recognise these platforms on their open banking system so I've no way of transferring the money…
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Interest on Flexible ISAs during the year?
How does interest earnt in a flexible ISA work if you withdraw it? I.e. you would end up with more than 20k due to interest earnt, but if you withdrew it can you put the interesrt back in?
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Additional Permitted Subs ISA - Transfer process
Hi all. I'm in the process of setting up an APS ISA for my Mum for her to inherit my Dad's ISAs. He had two, a cash one and a stocks & shares one. Am I correct in thinking that his S&S ISA provider does not transfer the money directly? So the S&S ISA provider will notify the APS ISA provider of the account value and then…
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The easy access ISAs where it says 'rate drops to...after 12 mths'
eg Plum, Moneybox, Zopa, Post office. So does that mean the rate is guaranteed to be above the rate it will drop down to until 12 months are up? The PO ISA says it has a 3.35% bonus (on top of 1.55%) for 12 months so doesn't that mean it will be 4.9% for 12 months????
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ISA maxed out
With ISA maxxed out, what might be good, low/no tax options for investing. I just read an article suggesting gilts be the way forward. suggestions, please. Thanks
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Anyone transferred a cash isa to Zopa?
A few weeks back someone posted that their transfer to Zopa had failed. Apparently this was due to a fault in Zopa's system whereby it couldn't accept an amount that differed to that declared during the opening process but on closing the transferring account, interest gets added thus resulting in a discrepancy between the…
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Savings & Investments spilt 2024
Wondering how folks spilt this up, this is what I was doing Cash ISA 45%(75% easy access & 25% fixed) S&S ISA 45% (90% equity 10% bonds) Gold 10% Any thoughts?
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Can you transfer a fixed-rate ISA to an easy-access one before maturity?
Hi, This might sound like a weird question but I was wondering if you can transfer a fixed-rate ISA to an easy-access one before maturity. I've currently got a really good rate of 5.7% with Virgin Money, which is giving me around £49 in interest each month. The ISA is due to mature in August. I understand that I'd be…
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Transfer in to Tesco 1 year fix
I'm thinking of opening the Tesco 1 year fix with initial funding from other savings. I have a Santander fix that matures on 1st May that I'd like to transfer in to Tesco at that point, but one of the Tesco conditions is that funding has to be complete within 30 days of opening. Given the current thread on the large…
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Quick ISA transfer - Barclays to Oaknorth in 1 working day
Positive post alert ! I opened a fixed rate cash ISA online with OakNorth in the early hours of 11th April, applied for the transfer of funds from a Barclays ISA at the time of application (a fixed rate that had recently matured and converted to easy access) and the funds were showing in the new account this afternoon…
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NS&I to bulk buy or drip feed
Hi, I have a question of probability(?), if you find yourself with a lump sum to save and you want to save it in tax free accounts, is it better to purchase an entire large lump sum of NSANDI bonds eg 10k+, or better to drip feed in smaller 1-2-3k runs of tickets? I realise that NSANDI is not necessarily the best way to…
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ISA monthly interest
Could anyone please tell me if l elect to have my monthly interest from a cash ISA transferred each month to my current account does it retain its tax free status?. l have looked for a definitive answer to this with no success. Thank you
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Cash ISA help please
Hi All, I have a NatWest 1 year fixed rate Isa which matures in September. It is at 5.7% so a very good interest rate but when it matures it will go into a 1.75 cash Isa (not so good) I want to open a new cash Isa now with a good rate and put the full £20,000 for this tax year into it but what I want to know is whether I…
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Longer comparison list of best cash ISAs?
This page https://www.moneysavingexpert.com/savings/best-cash-isa/#faqs gives a short list. Is there a longer list available?
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Moneybox Cash ISA - client money account - ??
Any advice? Opened a Cash ISA with Moneybox - I'm a new Moneybox customer. Astonishingly, took 3 days to transfer in! (I didn't know it was even possible to transfer that quickly!) Then I asked (as per the MSE pop up box) about the 'client money account' to ensure I understood where my funds were so I could manage the FSCS…
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ISA transfer from Chip to Moneybox
Hi. I have an ISA account with Chip, that was funded using last year's allowance. I want to transfer my ISA to Moneybox as the rate is higher. The problem I have is Moneybox is asking for account number of my Chip ISA account. I cannot find this anywhere on the Chip app and I have tried contacting them via chat without…
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Income AND Accumulation version of same fund in ISA?
Hi there, I already have Vanguard's STMM Acc fund in my ISA. But I was thinking of holding the Income version too so that I can distinguish it from my main growth funds and use it as a savings account to hold and distribute my 25% tax free SIPP cash each year and some drawn down cash from the growth part of the ISA. I'd…
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ISA Providers; Are most choosing to ignore the Chancellor's new ISA Reforms?
I contacted the provider of my Innovative Finance (flexible) ISA because I was having difficulties finding any providers of an easy access ISA that would allow me to make partial transfers-out to Proplend in accordance with the 10 Nov 2023 ISA reform Newsletter issued by the UK Chancellor in readiness for the New Tax Year,…