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What happens if an ISA offer 'closes' before you get confirmation of your account?
Applied for the Nationwide 3 year FRISA (Fixed Rate ISA). Posted it on 22 March. Apparently this was withdrawn from sale on 24 Mar. I haven't heard anything either way. Do you think they will 'honour' the offer if it arrived on 24th (or even 25th) March? It wasn't 'new money' - it was a re-investment of a previous…
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A New Age (eh?)
Today I contacted a Building Society which I opened an ISA account with £3000 some 8 years ago. The company had been taken over by a Spanish Bank (Santander) and my enquiry was about moving my ISA over to a more profitiable account in their product line. I was told that my present account was receiving 0.1% per annum…
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Shall i open an ISA for 2010/2011 now or After April 5?
Is there any rule to this? i have already exceeded the amoutn for this year so can i transfer the amoutn and open next years now? also rate wise will there be better rates in10 days time or/?
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Transferring Isa between banks how long?
I have just transfered from an hsbc isa to the alliance and leicester isa. The funds left my hsbc account on thursday but no funds in my a+l account yet. Do you guys know how long it takes for funds to show up in my new isa? I have read around 30 days is this correct in you experiences?
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Possibly silly question about transferring isa's around....
Hi All, i currently have 2 natwest e-isa's One from 2007/2008 tax year and one from 2008/2009 I Also have the full £5100 to invest in a new isa. Now looking online it states the gross rate for my current isa's as.... e-isa 10k plus 2.97% e-isa before 14th may 2009 10k plus 3.21% so my question is can i transfer my current…
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First Time ISA Saver
Hi Would appreciate any advice. I want to open an ISA, however, I have it in my head I should use any spare money or potential savings to pay off my mortgage capital. Should I open and ISA or use the moneies to pay off the capital off my mortage? Thank you Russell
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ISA Interest HELP
HI, I have a Direct ISA with Abbey (now Santander) I changed it to a Direct ISA in Feb last year, all I got interst on my £11k was £43.77 :mad: I am so annoyed, my mum phoned up and Santander and they said the rate was 0.23% and that you should change your ISA every year, well no one told me that! Anyone else had the same…
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Transfer help please
Hi i've got 3,600 in A&L for 2009/10 and i'm going to transfer this plus put another £5,100 into birmingham/midlands is this better than just putting £5,100 straight into my A&l account, thank you
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RBS Cash ISA Plus Question
Hi guys, I currently hold an RBS Cash ISA Plus paying 3.01%. I have been looking on their website today (I am unable to call them until I get home from work), but cannot seem to find details of what will happen to this rate for the 2010/11 ISA year. The only mention I can find of my account is under "Superceded Accounts".…
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Could someone explain the Savings Calculator please?
Could someone explain the MSE Savings Calculator please? When I enter "No Savings", then £300 per month @ 3% only a few pounds are added on as interest for every month until I enter to calculate after 11/12 months. The savings then jump into the £100s...why? I don't understand how these rates are worked out and can't get…
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Barclays Golden ISA
Hi Everyone, I currently have a Barclays Golden ISA, I have used about 3/4 of my tax free allowance for the current tax year 09-10 but have seen that the intrest rate on the new golden isa is significantly higher..How would I go about opening a new ISA? Would I need to leave the couple of thousand I have in the isa im…
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Yet another ISA query
Can someone assist I ve been looking at the Santander 3.5% isa for 2010/11. This isa does not allow transfers from old isa's in Am I allowed to - Open Santander and put upto £5100 new money in and Open a different 2010/11 isa and transfer old isa money into that eg - £5k into Santander, £100 into a different one plus…
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ISA transfer not through
Can someone please tell me what will happen if my transfer of my cash ISA from Barclays to Santander doesnt come through by the end of the month.I have been waiting 7 weeks for this to happen.Santander keep saying that they are waiting for Barclays to release my funds.Santander have opened up a new cash ISA account for me…
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Confused as to what to do?
I am still very confused as to what to do, I have £16,500.00 which matured with Lloyds ISA and has now been put into their easy access ISA paying £2%, I have left it there because I was planning to take out half of it, but after seeing this "Never, ever, ever, ever withdraw money from a cash ISA! You'll immediately lose…
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ISA transfer issue - Help!
I’m in the process of transferring an ISA from Santander to Nationwide. I’ve just received a letter from Nationwide saying they’ve been in touch (3rd letter they’ve sent) with Santander as the transfer hasn’t gone through yet and if the transfer doesn’t go through in the next 10 working days the process will be cancelled.…
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Isa advice please
Hello all, could someone help me out here please? I'm relatively new to ISA terms and conditions and could use some advice - I get in a right mess with this question! Can I open a new ISA for 2010/2011 and still move my previous years ISAs this year? I have last years ISA in Kent Reliance and the previous one in Nat West…
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Is transfer into ISA worthwhile?
Hi, Can anyone please help, I can't work this out. I have a savings account paying 3.1% AER. My cash ISA is paying 2.75% AER. Is it worth transferring my allowance into the ISA at the moment, or should I leave it alone and concentrate on booking my hols, which is much more fun?!! Thanks for any help. Di.
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Tax on savings vs Tax free ssavings rates - how to work out which is best deal
Hi, Can someone confirm I'm working this out correctly. I have a savings account with a 5% interest rate (taxable) and a cash ISA with a 3% (tax free) saving rate. Does my savings account just have income tax applied to it (20% if below earnings threshold) so the actual interest rate after tax would be 4% making it return…
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Best rate ISA at the moment?
Hi, if I have around £6000 which I want to earn interest from, which are the best ISA accounts to do this with at the moment? I want to be able to take my money out at any time. I know th limit is £3600 per year as I am under 50 but I know if I do it before April then I can still make use of last years limit. RBS wanted me…
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Transfer of already owned shares into a share ISA
Is it possible to transfer shares purchased outside of an ISA into an ISA? If so, what value will be taken to reach the allowance? Current market value or the value I paid? Thanks
