ISAs & tax-free savings

Archives for January 2006

Intelligent Money
I'm thinking of joining intelligent money and then registering my existing ISA funds and buying some new ones through them. has anyone any experience of using IM? cheers Dave
ISA'S Help
Hi, My Daughter who is 20yrs has £3,000 to invest, she already has a mini cash ISA which she pays in £100 per month, so this money couldn't be invested in this mini ISA as it goes over the limit. Advise appreciated. Thanks in advance Susan PS Can you have a mini & a maxi ISA
best time to transfere isa?
Hi all Ive got two years worth of isa s with rbs id like to transfere it to a+l or halifax for the better rates since interest is paid at the end of the tax year im a best waiting till then before doing the transfere? Ard123en
how long does it take to transfer into a&L ISA?
hello, has anyone had their ISA transferred to the A&L Direct ISA? I opened up this A&L Direct ISA account and received a couple of days after in the post their written confirmation and the transfer form to put any past ISA money in. I gave this trasnfer form to Nationwide (my ex ISA provider) and after a few days I…
Cash Mini ISA providers who are still mutual.
Are there still any providers of cash mini ISAs out there that are still mutual societies providing a competitive rate of interest? I would prefer to sign up to one of these societies, if the rate was competitive, on the off chance that if they decide to become a 'bank' or are bought out by a larger provider I would get…
can't I have Cash and Stks ISA with two providers
I have a cash ISA with FirstDirect and have topped up for this Fin year. I also have a stocks and shares ISA with HSBC where I am toppign only £50pm. I want to use the £4000 benifit. When called HSBC, they are saying that I can't have both!! Is that true? Can't I have cahs ISA with one provider and Stocks ISA with another…
Using a current ISA to fund another ISA
Hi, I have a Halifax ISA Saver with an interest rate of 3.70% but want to transfer £3000 into a Halifax ISA Saver Direct with an interest rate of 5%, is there any problems doing this?
Halifax mistake. What should I do?
I applied for the Halifax ISA Saver Direct account online in mid October and received a letter confirming the account. In early January I wanted to add some money to the account to use up the £3000 allowance for the year and logged on to make a desposit. When checking the account details I noticed that the interest rate…
quickest way to get money out of abbey postal isa
quickest way to get money out of abbey postal isa, can one set up a direct debit and then request money from that account or do i have to write off and reuqest they transfer my money etc thanks
First Direct Cash ISA - Who are you switching to ?
I have the First Direct Cash ISA which the rate reduces on 15th Feb 06 so will soon have to switch it to a better rate. Anyone else doing this ? The Halifax cash ISA looks good, anyone considering others available ?
ISAs, student loan and a cunning (or not-so-cunning) plan.
Hi folks, I've read the ISA articles and many of the threads, but I still have a question (apologies if I'm covering old ground here). If I open a cash mini ISA and put in £3000 before the end of this tax year, how would that affect my income tax - Roughly, I'm currently earning £14400/year (due for a raise soon, though :)…
Beverley drops I.S.A. rate
Down by 0.2% to 4.85% w.e.f. 1st of Feb. I recall that a few folks on here were discussing the pros and cons of Beverley not so long back. They have either acquired enough funds now or are waiting in anticipation of the next rate cut.
A&L Direct ISA - transfer-in of CURRENT year's funds
Just considering transferring my current mini cash ISA from First Direct to either Halifax or A&L. My current ISA contains funds from the 2004/5 and 2005/6 tax years. On the A&L website there is a "user guide" with detailed instructions about transferring in ISA funds from elsewhere, but it seems to be quite specific that…
Alliance & Leicester ISA @ 5.2%
Hi, I like a few others have decided to go for the Alliance & Leicester ISA at 5.2%. I have money in a Halifax ISA at present and the interest is due to be paid on April 6th. I see that the A&L accounts get interest paid on January 1st. So my simply question is, I’m guessing I wait until after April to make sure I get my…
Good/Bad to use Broker with fidelity ?
I am using a broker to arrange my maxi (funds) ISA for saving towards a house. Looking at the website, I have found these details Funds on which discounts are availableProduct groups Standard charges Discount level Expiry date AberdeenAll fundsTransfers4.25%1.25%OngoingAegonAmericaAll New Money5.5%2%OngoingEuropean BondAll…
Cancelling my ISA and it costing me more than the £ in there!
Having joined Charles Schwab a fair few years ago my share based ISA is worth very little so i figured i would close it and hold the paper shares certificates (just in case of a miracle). I called Barclays who took over Charles Schwab and now manage the ISA. I was told that closing the ISA would cost me £25, and each stock…
ISA - Transfer now or wait ?
I currently have a YBS ISA with £3000 deposited this tax year, which pays a relatively good 4.9%. I know there are a couple of better rates out there to be had - A&L for example, but is it really worth transferring now or would I be better off waiting til just before the new tax year commences in the hope that a few of the…
moving isa- advice please
i know this has probably been answered before but here's my question. I had an ISA with Northern Rock which came to maturity end of last year. it's now gone over to a 4.8% ISA which is not the best this was for year 2004. So my understanding is that I can transfer it to a better rate even if in the meantime last year i…
advice gratefully received
I'm about to cash in £400 worth of premium bonds and set up my 1st ISA - yes I know how slow I've been :o I'll probably try and top up my initial balance to £500-600. I've recently opened a current account with Alliance and Leicester and taken up the 10% linked savings account. Question: Would I be better off opting for…
ISA's for the family?
Have just inherited £50,000. Will get a £3000 Cash ISA for myself and my wife. I have two children aged 18 and 20, one at school and one at Uni. Is there any reason that they can't have an ISA each as well?? If the answer is yes would I need to make them a gift of the cash before they could open an ISA and would there be…

★ ★ ★ Meet your Ambassadors

MSE News

NatWest, RBS and Ulster Bank to close at least 100 branches in 2024/25 – here's the full list, plus alternatives
NatWest, Royal Bank of Scotland (RBS) and Ulster Bank, which are all part of the NatWest Group, will shut at least 100 of their bank branches in 2024/25, after RBS announced a further 18 closures.
Co-op Bank customer? You could be moved to Coventry Building Society in future – here's what's happening
The building society has today agreed to a potential takeover of the high street bank – though it's still very early days and the deal needs regulatory approval.
Got a text, email or letter from the Met Police? Don't ignore it – you may need to act to protect yourself from scams
If you got a text message or email from the Metropolitan Police between 4pm and 6pm on Wednesday 17 April – or you get a letter in the next few days – don't ignore it.
Save up to £1 on your takeaway coffee – while saving the planet
Many of us regularly reach for a cup of coffee or tea to give us a caffeine boost, but if you’re out and about and can't bring a thermos from home, the cost of this can quickly mount up.
Chase customer? Check if you can get its boosted 5.1% easy-access saver
If you have a Chase current account, you may be able to get a table-topping 5.1% easy-access savings rate to go with it, as the bank has launched a new, temporary bonus offer for some existing customers.
New online state pension boosting tool promised to Martin Lewis hit by delays – here's what you need to know
The tool was first promised to MoneySavingExpert.com founder Martin Lewis on ITV's The Martin Lewis Money Show Live last summer and was expected to launch before the end of the 2023/24 financial year.
Spotify to hike prices by up to £24 a year – here's what's happening
If you've got a Spotify Individual, Duo or Family account you'll see prices rise by up to £2 a month (equivalent to £24 a year) in a month's time, the music streaming service has announced.
Subway customer? You've got until 14 May to use your loyalty scheme points before shake-up – here's what's happening
If you're a Subway Rewards member, you have until the end of Tuesday 14 May to spend any points you've built up – or lose them entirely.
Nearly 850,000 people missed out on cheaper passports last year – here's how to cut costs and beat the upcoming price hikes
Nearly 850,000 people missed out on cheaper passports last year – and with fees rising by 7% this week, here's how to get a new passport for less.

View All

ISAs & tax-free savings

Discussion List

Get our FREE Weekly email full of deals & guides - and it’s spam-free