We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

ISAs & tax-free savings

Archives for July 2007

Scarborough Regular now 6.80%
according to moneyfacts wef 1/8. previously 6.55 so a 0.25% increase. see http://www.moneyfacts.co.uk/searches/savingdetails.aspx?moneyfactsid=SAVINGS000771301Anniversary
Mini to Maxi Isa Transfer?
for the 2006-2007 tax year the boy currently has: £3000 into Barclay's Mini Cash Isa £5000 into Fidelity Mini S&S Isa (£1000 from 2005-06). He wants to move this to H&L ISA. However, starting next year (2007-08), he wants to have a single Maxi S&S Isa. Questions- 1- Can he transfer his Fidelity Mini S&S Isa into a H&L Mini…
Moving to Cash within Peps & ISAs
I know there is a facility to temporarily hold a new ISA investment in cash while you decid which fund/s you want to invest in (subject to certain tax being paid of any interest gained) but can anybody please tell me whether there is anything specific in the Revenue's rules which says you cannot convert an existing PEP or…
quickie on ISA's - can anybody answer please?
hi all, i've currently got a Natwest Mini Cash Isa that pays 5.3%AER on my £3200 balance. £3000 of which was deposited in the 2006-2007 tax year and i deposited £200 of birthday money in May 2007. Because I deposited £200 into this ISA within the current 07-08 tax year, does this mean that i can only deposit any new…
Quick question about ISA's
Hi, Just a quick question for you. My partner and I have just sold his car, and got 8.5k for it, as I'm pregnant (due in Jan) and we want to buy a cheaper car, and use the spare money to tide us over while I'm on maternity leave. We could put 3k each in an ISA, but would have to take the money out again in Dec/Jan to buy a…
STERLING isa.help and advice please
i have £2600 in the stocks and shares ISA provided by sterling/zurich. when i signed up i was earning silly money and didnt care when i heard the words 4.75%charges. i just wanted to stick some money ANYWHERE where i wouldnt spend it as my MINIISA was full. i get the feeling this is a load of tosh and im being screwed as…
ISA changes from April 2008
The changes announced for ISAs in 2008 have now become law. A useful guide to the changes has been provided by one of the trade associations. Of course these are already in the FAQ ;)
daft question about ISA limits
please move if in wrong place :) but with a mini isa, you get £3k allowance now does this mean, each year you can add £3k tax free, or you can put however much in, and only have the first 3k tax free? ie over ten yrs, could i have £30k sitting there tax free, or £3k tax free and £27k taxed? many thanks :)
Transferring ISA. Now or in April?
I currently have money sitting in an ISA and already used this years allowance by the end of April and was considering transferring it to another provider which pays higher interest. My question is am I better off leaving it until the start of the next tax year and getting this years full interest payments from my current…
Halifax launches new fixed rate ISAs paying up to 6.25%
Halifax have launched a new set of fixed rate mini cash ISAs paying a higher rate than their previous offerings. They offer the choice of a one, two, three or four year term. Open with £3,000. They allow transfers in of existing cash ISAs into the account. 1 Year Term = 6.20% 2 Year Term = 6.25% 3 Year Term = 6.15% 4 Year…
Dividends in Self Select ISAs and PEPs
In the same way you would check your bank and credit card statements for errors, please do the same with your Self Select ISAs and PEPs. An example of why. My PEP was credited with a dividend of 24p instead of 34p for Land Securities (LAND). A quick email to the PEP manager got the response that the dividend was 34p gross…
What exactly is going on with the stock market at the moment?
So, what is causing the FTSE to tank? Is it the US credit bubble? The UK credit bubble? What exactly is going on? Just curious. I am a newbie to investing so for all I know this happens "all the time" but I am wondering how "normal" it is for it to drop 200+ points in a week?
Abbey DIRECT ISA - When are they going to annouce rate rise?
This ISA should be going to 6.25% from 1st August for balances over £9k. Anyone know when they intend on announcing the new rate?
£1,000 saving + an extra £2,000 over the next 6 months
Hello. I'm a student and have recently sold my car as I can no longer afford to run it and have received £1,000. I want earn interest on this and having looked round the site I'm considering putting it in an ISA with National Savings & Investments. Now it's unlikely I will need the £1,000 until I finish my course in 2009…
About to transfer Egg ISA to Abbey Direct ISA - Can someone confirm ok?
Hello all. Seeing that Egg have failed to pass on the latest rate rise, my wife is about to do the following. Can someone just confirm its ok (in terms of ISA rules)? She opened a Abbey Direct ISA March this year and transferred her A&L ISA amount into it She then opened a Egg ISA mid April this year and put in the £3k.…
Fixed rate ISAs - interest rates
Tricky one. I'm with M&S variable at the moment. 5.75% guaranteed to equal BOE rate till Dec 2007. I'm thinking of moving to their fixed rate 6.16% ish. Where do people think interest rates will go in the next year or so. Some people are talking about 6.5% or even more. If that's the case are the non guaranteed rates going…
Cheapest S&S ISA online service?
I am looking for the best (and preferably cheapest) discounted online Investment ISA provider with the widest range of equity funds. Is it H-L or are there better options? Can I opt to put my savings in monthly into an account then subsequently decide which fund to put the money in or do I have to pre select a fund and…
abbey remote ISA problem
i have an abbey remote ISA (formerly safeway mini cash ISA). every year i have put money in to my ISA from my bank account by simply making a call to safeway and subsequently abbey authorising them to take the payment. i have been doing this every year since i started my mini cash ISA in 2003 without a problem until i…
Egg not increasing their rates - boo!!!
Egg are sending round an e-mail saying they will not be passing on the recent increase in BoE interest rates to their cash ISA customers. The rate is staying at 6.05% - now well behind NS&I (wish I'd stuck with them for this year's allowance). Boo, Egg! Boo!!! :mad:
Buying American ETF's
Hi does anyone know any reputable online brokers that sell Amercian ETF's? thanks

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

ISAs & tax-free savings

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

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

ISAs & tax-free savings

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Is this how you want to be seen?

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