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Transferred previous years - can I add for this year?
In April I transferred all my previous years cash ISAs to Halifax (Direct ISA at 3%). As yet I haven't opened an ISA for this financial year. I have a B&B fixed rate maturing next week and would like to put this into said Halifax cash ISA. Is this possible, hence retaining the half decent rate or do I need to open a new…
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Bit confused about ISAs
I took out a cash isa this year for the first time. come next April, I will have save up another lump sum to get another isa. in order to ensure that my 1st year isa is getting the right rate, i assume i will be able to transfer that isa to a better paying account in april however, if i do that, am i still able to open a…
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The best (simplest) way to combine 4 ISAs
I have 4 fixed rate cash ISAs (with Northern Rock, Saffron BS and 2 with Nationwide) which mature at various times next year. When they mature I assume they will be automatically transferred to instant access ISAs. I would like to combine them into one fixed rate bond. Edit: As each matures, should I transfer into one of…
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maxi+mini isas
hi, i have one mini +one maxi isa with the nationwide interest rate at present is very low could anyboby please tell me if i can open another isa in say the halifax + transfer funds from nationwide isa into the halifax isa is this okt
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Transfer cash ISA
Hi, I currently have a cash ISA with a provider and the interest rate has gone down from being one of the most competitive to 1%. I have not paid in any money to my cash ISA this financial year yet... I was looking into ISA's that allow existing funds to be transferred to the new ISA, and saw this on the moneysavingexpert…
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Halifax ISA is 0.50% gross p.a.?
My halifax ISA has £8350 and shows the current interest rate at just 0.50% gross p.a. I've looked on some comparison websites for better rates, and two things struck me: 1) The halifax isa's shown all had much better interest rates - e.g. all over 3% and up to 4.5% 2) Every other bank had much better interest rates too -…
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18 Years old & Savings?
Ok so i may only be 18 but apparently having my youth is a good thing when it comes to money :rolleyes: Basically i have been putting £100 Per Month away into a natwest ISA for the last 20 months so i have a total of £2000 and another account (just a basic current account) with a further £1000. I have a basic knowledge of…
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Isa for over 50
I've already invested in a stocks and shares ISA this year and would like to know if I can put the extra amount now allowable for over 50's into a Cash Isa ie in the same year? Or do I have to invest it in the same stocks and shares ISA? So complicated this!
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Whats the best 1 year fixed bond
I have 55k to put in a fixed bond - whats the best rate at the moment.
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Help with Stocks and shares ISA
Hi I need some basic information about Stocks and share ISA. I always use up my cash isa allowance but have never used Stocks and shares ISa. I am now thinking of using it. Basically i want to know how does it work? For cash isa i put money in bank and it generates interest. What happes with Stocks and shares? I understand…
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Help - not sure I understand ISA's
Ok, well I do understand the tax free allowance etc, and the £3600 limit, but I am not sure about changing ISA's. I opened an ISA about 5 years ago now with National Savings, it's only ever had smallish amounts in it, but over the years it had added up to about £1200. This year I have started topping it up with a good bit…
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ISAs and savings accounts? Yes, right!
How many people actually try to open an account? I gave up trying with Egg when they demanded that all my 'identification' papers be counter-signed by a judge! Yes, a judge! They listed alternatives including your family doctor (who will charge) and a post office employee (nearest one.....) I then tried Abbey. That was…
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LV on quidco = £44
have never had an ISA and was looking at opening one to start putting in some money as and when i have some spare. LV are currently offereing £44 on quidco for opening an ISA. anyone know if this one is any good? thanks
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Multiple ISA's
I've always been told not to keep my eggs in one basket. I'm 17 at the moment and I am in full time employment. I opened an ISA with Lloyds TSB and also Barclays. Although, apparently you can't have two ISA's? I haven't received any warning / notice, nor was I told when opening up the accounts. So, am I allowed 2 ISA's? Am…
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How can I have 2 ISA's?
Hiya, I already have an ISA for this year which does not allow transfers. I want to move money from my old ISA's but will need to set up a new one to do this. Can I actually do this? Or now because I have 1 ISA already this year do I need to wait till next year? Tad confused and don't want to break the rules. Cheers,
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Higher Rate Tax Payer
This year I'll be a higher rate taxpayer. What steps should I be taking to maximise my tax relief? I've already put the max into a cash ISA, but havn't opened a S&S ISA, and was thinking of drip-feeding into a FTSE tracker. Would I be better off increasing my pension contributions, I'm in the Local Government Pension…
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s&s isa
hi over the years i have accumalated around 30k. 7500 in a cash isa 20000 in a guaranteed saver and about 3000 in card cash account im 36 and i realise i need to make my money work harder. im looking for a good medium risk s&s isa. i really need help to look at all i have and decide how to make it work harder for me. would…
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Is it worth going to an IFA?
Hi, Just wanted to get a quick opinion from the forumites. I'm a 25yr old working in a steady job. I have enough saved away for a rainy day (approx. 6 months salary) and contribute to a regular saver and have been paying in £100 monthly into L&G UK index fund. I'm now considering raising this to about £300 pm and investing…
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Need Some Suggestions
Hey, I just got my Student's Bursary and instead of blowing it all on something fancy for my computer I have decided to start saving. I have been looking at ISAs and have read all of the information on them that MSE contains. I just have one question. The only thing that gets me is the interest. Some of them seem to pay it…
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Question - Rules with two cash isas
Hi, I have two cash isa's running at the moment, one each from the past two tax years. My question is, can I put money into both of them during this tax year provided that I do not exceed the £3,600pa maximum for either of them? Thanks
