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Last year's Halifax 3% fixed rate ISA
Hello Last year, Halifax provided, on limited offer, a 3% fixed rate ISA where you could make further deposits. I got one but as it is no longer available, I have no idea what it will revert to at the end of the tax year. Does anyone know what will happen to its interest rate? Thanks
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ISA Transfer?
Hi just wondered if you could help, if I transfer an ISA with its full allowance + interest at the beginning of a new tax year to a new provider can I then top up with the full years allowance? & when topping up an ISA any interest earned previously obviously doesn't count as part of your NEW allowance? Sorry for basic ?…
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stocks and shares isa advice please
hi ive got a stock & shares isa buing up £85 units a month and has been for the last 11 years this june , the current surrender is around 10k , which seem just about the amount we have paid in , im wanting to pay my mortgage of , or a lump at least , this what it was originally for but as of last year we took a repayment…
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ISA transfers - sorry if this is a daft question.
Hello I'm considering the Alliance & Leicester Flexible ISA. It doesn't allow transfers in but it does allow you to make further deposits over the course of the year. For this, I'm thinking of using money I was going to put into my Halifax ISA at the start of the next tax year. After one year, it reverts to a variable tax…
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can I change....
silly and stupid but.....I've got an cash ISA I have not paid into for over a year with Santander earning NOWT:mad: I need to do something about it now so here's my question. Can I close it down and start again elsewhere, as I've noticed that many of the offers around do not allow you to transfer in. Or shall I just open…
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ISA Advice
Can someone advise me on ISA investments, I have a ISA investment which I top up every month and will continue with this through 2010 can I open another ISA investment as long as it does not exceed the limit for the year
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Stay away from Santander because of bad service, despite the rate?
I'm in a bit of a MSE dilema here: my head is telling me to go for the Santander Flexible ISA with its excellent 3.5%, but my heart is telling me to sacrifice the highest rate for the sake of decent customer service. I really dislike Santander based on past experiences and hate their brand, but feel silly for shunning such…
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What would you do?
Considering my options and would like to know people's thoughts on this. I've got most of my existing ISA money in Newcastle Building Society with a fixed rate for 5 years, that is staying where it is. This year's allowance is in Saffron Building Society in the 7% regular saver ISA which matures next week. Considering what…
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ISA Transfer Scam?
I opened a new ISA with Nationwide by transfer from my RBS ISA. My RBS ISA was closed 11.03.10 "inter bank transfer". I received a letter from Nationwide on 20.03.10 stating that they could not open my new ISA until they get the money from RBS. I had a similar delay when I did a transfer from NS&I to Nationwide. I do not…
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cash ISA help!!!
Hello i have a cash ISA and i need to know what i have to do with the money that i have saved once the tax year is up and i have been paid the interest. Will it roll on into the next tax year's ISA or do i need to re-invest? Also if i need to use some of the money can i pull some out at the end of the tax year? :D
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ISA vs Savings Acc
As someone who really hasnt a clue where money is concerned - please can you guys help me get my head round something. I am a low rate tax payer (ie 20%), my earnings arent huge and so i pay little tax anyway and am close to retirement. So my question is: Is there any advantage in me putting money this tax yr into an ISA,…
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Barclays current ISA TFR question
I hope someone can answer this for me, my case is I currently have a cash isa with Barclays, the rate is rather crepe and want to open a new one on the 6th April with a better provider. However, the one I am looking at which is the A&L / Santander 3.5% one doesnt accept any tfrs into it from older isas. My question is…
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Fixed rate ISAs - do you pay a penalty for withdrawing before the fixed rate ends?
Hi am thinking about my new isa for the new tax year and wanted to know more about fixed rate isas and the penalties you face for taking out money before the fixed rate ends. Any information is appreciated.
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New Tax Year, New ISA - when to open account?
As a general rule, are the Best Buys available just before the new tax year begins, as the providers try to mop up all the stragglers, or is it best to wait until after 5 April in the hope that the providers will launch an all-out war to bag the business? If the former, then will it be possible to open a new account before…
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how many transfers?
Im slightly confused about ISA's. I have 2 pitiful ISAs (onpened 07 and june 08 on the go and want to transfer them. Is there a limit on how many transfers you can do? Can I transfer 2 the 2 ISA's and also open a new one before april1 then open another after april1
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Dear MSE, Nationwide is not a bank
In this article http://www.moneysavingexpert.com/savings/best-cash-isa#instant It says "Both banks offer decent current accounts". However you only mention one bank: First Direct. The other part of this section talks about Nationwide, which is a building society (unless you know something I don't!) Perhaps the article…
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Regular Savings ISAs
Has anybody any knowledge whether any regular savings ISAs will be on the market for the new tax year?
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Confused
I've noticed that interest on the Santander ISA is paid annually. I can't find when Barclays pay their interest but I know that last year the Barclay's Golden ISA paid interest monthly which allowed the amount to compound. If I'm correct in assuming the Golden ISA is monthly and the Santander is annually, does the…
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Choosing Funds for a S&S ISA
Hello, I've decided to start using my S&S allowance. I'm trying to keep my funds in ready cash as much as possible as I'm aiming to buy a property in the next year so I've created an account with Hargreaves Lansdown with a view to monthly saving. I'm in quite a comfortable financial position, I have a good job, pension…
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confussed about barclays golden isa limits
hey guys i know the isa limit is going up to £5100 for the over 50's but i had a letter saying that the new limit was £5100 but im only 24 is this a mistake?
