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Losing interest when transferring an ISA
I thought I was clued up on ISAs and saving money but I've just found out that all ISA transfers, even if you follow the instructions provided by the banks, are done by cheque, and you're losing interest while the transfer is taking place. I've just transferred my ISA and it took 3 weeks for the money to move from one…
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Abbey vs A&L ISAs
Hi, Does anyone know if there's a difference between the Abbey and A&L 6.25% ISAs? I've quickly (very quickly mind so happy to be corrected) scanned the t&c's and note that A&L have a 180days loss of interest if I were to transfer out. I think Abbey's is 30 days. Would be grateful to see what you think. Thanks
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Full ISA Guide Discussion Area
This thread is specifically to discuss the Full ISA Guide To discuss or ask a question about this article: click reply
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Abbey Easy ISA to Direct ISA
Hi, Abbey are offering 6.5% for the first year if you open a direct ISA, I also know you can transfer from an Easy Isa (which I currently have) which pays 5.5%. Would there be any reasons why you wouldnt just change your Easy ISA into a Direct ISA to get that extra 1%?
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Nationwide fixed ISA Missleading
Hi, I have just been to the Nationwide to open up their fixed rete ISA 6.15% putting in this years allowance & also transferring a large sum from my Brittannia ISA. On the transfer amount I have been told they cannot guarantee the 6.15% as the transfer may take upto 6 weeks and at this time the 6.15% may not be available…
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Icesave Isa?
Hi guys, I am not going to be put off by all the bad publicity ICESAVE received in the press this past few weeks and I am considering opening an E-ISA with them. As I hold already a savings account with them so hopefully it will be just straight forward. My question is that will it be worth transfering my previous year's…
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Barclays to A&L transfer
Posted this in the transfer sticky, but I hope I'll get a better response in a new thread.... Hi, I have a Barclays tax buster ISA from last tax year which I put the full £3k into. I want to transfer this to an A&L issue 4 ISA & then open a new Barclays Tax Haven ISA & deposit my £3.6k allowance this year. The T&Cs…
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Transfer of 'Late Maturing' BMW ISA
My wife and I both opened a cash ISA with BMW (via Newcastle BS) in Sep of last year and deposited the full amount in each. It is currently running at 6.7% but with 45 days loss of interest if we close them before the maturity date (05 Sep 08). We are both in a position to invest the full amount again in a cash ISA today…
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Abbey Cash ISA - new account via online application
This may help others. My wife and I have opened ISAs with Abbey via their online system and have had email confirmations that they have been set up and were given "OLA" prefixed reference numbers. The email confirmations included an attached transfer form. We are keen to move our money from Barclays Cash Saver ISAs asap as…
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Skipton fixed rate how many deposits?
Looking at the fixed rate 6.26% ISA offer from Skipton it does state: 'No limit to the number of withdrawals or transfers you can make (minimum £1) although all withdrawals will incur a penalty of 90 days loss of interest... Sorry to be thick and old but is TRANSFERS = deposits? You see in the world of ISA's transfers mean…
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closing isa, opening new one
hi guys, i have an ISA account with A&L and it only has a few quid in it. Can I close this account and open a new one with Barclays? thanks in advance
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Recommend fixed rate ISA - transfer in?
Dear All, I've a 5.75% (I think...) cash isa from Kent Reliance, that I'd like to *TRANSFER IN* to another provider, preferably as a 1 year fixed rate. Can people recommend products with good/the best(!) FIXED interest rates, that allow transfers in? Many thanks.
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RBS 07/08 isa problem - help please if you can.
Hiya folks I wonder if I could pick your brains a bit. Last Wednesday I transferred some savings at the last minute into my Royal Bank of Scotland ISA after a bit of a struggle with the person concerned telling her I knew I needed to fill in a form to reactivate the ISA as it had not been used for over a year. She was…
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A little help maybe...
Hi All.. That wonderful time of ISA's is upon us all again, and this year i am confusedand wuld appericate a little help i have £6000 spread over 2 ISA's and i want to open a new one with Barclays for 08/09 as this year it seems to have the best rate, however it wont let me transfer in old ISA's. so can someone tell me if…
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Help! - Best ISA choice, Cash portion only for 2008/09!
Dont know why, but have been searching hard during the day and I'm getting tunnel vision trying to figure this out for this year. I'm having having difficulty in choosing an ISA for a lump £3600 as cash only (not as a regular saver)...need MSE'ers help in just selecting one that *near* ideal to my needs outlined below…
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At the risk of sounding thick...
....here goes! I have £3k in an 07/08 ISA (A&L). I am ready to put £3.6k in an 08/09 ISA. So, if I want to put this years cash into A&L too, do I just deposit it into the existing ISA account that currently has my 07/08 quota? Or do I have to open a new 08/09 ISA account with A&L? Thanks! :rolleyes:
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NS&I ISA Help
THis might be a silly question but I can't find the answer anywhere else on their website. Basically I've received my interest for the last tax year on my Isa, now can I withdraw this without it affecting my tax free allowance, surely I only earn interest on the £3,000 and not the interest I've been paid? Thanks
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new ISA help
i currently have an isa with abbey. this year i was thinking of opening up an alliance and leicester isa as that is who i bank with so transfers will be instant and keeping pevious money in my abbey isa. my question is: can i open up an new isa whilst keeping previous years money in my abbey isa? and will i still get paid…
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Previous and current ISA subscriptions
If previous subscriptions do not count towards current subscriptions, would it be possible to transfer previous subscriptions to a fixed rate ISA and then add current subscriptions to your existing ISA (opened in the previous tax year) within the same bank?
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Will I be credit checked.?
Apologies if this is a silly question,but I'm looking to open my 1st ISA with Barclays (I have an account with them already). Will I be credit checked..? Thanks Ferry
