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How do institutions know which years ISAs are which?
General query - I have a number of ISAs from various previous years that have been moved from time to time. How are they tracked by banks, etc in terms of which year is which? I am thinking particularly of two previous years ISAs which are now in Northern Rock as a combined amount. On a similar point how do people on here…
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Fixed Rate ISA Questions...
I've had variable rate cash ISAs for several years, but have never had a fixed rate one before. Are they like fixed rate bonds where at the end of the term they write to ask you what you want to happen? eg. put into another fixed rate ISA, variable rate ISA etc. and if you do nothing it's automatically put into a variable…
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ISA's
Hi, Have been v late in using this current years ISA allowance. Looking at setting up a cash isa next week, possibly a two year fix but wondering if it's worth it with only two months of financial year to go. Any thunks?
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Best place for savings once Cash ISA limit reached?
ISA was step 1. I don't really know what step 2 is!
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ISA / savings advice required!
I've got a cash isa that I started in 2010. In this financial year (starting April 2011) I've paid in 750, 2000 & then 1190.62 (silly amount I know but it rounded my total in the isa up to a nice round number!). I've just transferred in the remaining 1399.38 of my allowance taking it up to 5340 paid in this financial year.…
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Cash ISA - interested paid monthly vs yearly
I’m looking into opening up my first cash ISA and have a question relating to the interest. I’ve noticed that the way interest is paid varies between companies. For example, Nationwide’s online ISA calculates interest daily, but pays it annually on the 31st August. Their 2.75% rate applies until Jan 2013, at which point it…
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ISA Direct Reward i4, Interest Drop
I jsut receives a letter from Halifax that the interest of my ISA Direct Reward i4 will drop soon in ealry March. I am looking for a felxible instant access ISA a/c. Unfotunately my ISa has not reached £25.000 yet, so cna not taje Advantage of Nationwide cash ISA offer Anyone knowwhere I could Instant access flexible ISA…
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Lost voting rights in ISA account
Have had an ISA for a number of years which is now online but have noticed that I do not receive any paperwork regarding voting at any AGMs! Multi-national bank states that I can proxy vote through them but I have to find out when the voting is taking place/what it is for & then send my instructions to the bank! This…
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Savings help
I want to open an account for by baby that I can add Monet to whenever I want I have been to my local banks and that's where I hit problems they state you can only save £6k per a year and then you get taxed on it the annoying thing is iv already been taxed on it once with my wage I want an account where I can add money…
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Regular Saver v ISA
Just need a little help with a hypothetical situation - it's basically what I did last year with the figures tweaked a little to make things a bit simpler: I open an easy access ISA by transferring in a previous years' balance of £10000 at the rate of 3% gross. Around the same time, I also open a couple of regular saver…
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NatWest Fixed Rate ISA.s- Nice try!
I see in the Best Mini-Isa thread a post about NatWest with an offer of fixed rate ISAs. Trying their usual trick of having you apply in February, keeping your money in a low rate ISA (0.05-2.00%) until other starts on 4th April. Do they never give up:mad:
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BNY Mellon
Wonder if anyone can help.. I have a stocks and shares isa with BNY Mellon in the Newton Continental European Fund. I pay £100 a month into it and it's now worth about £34k, with a loss of £7 in the last 7 months alone. I tend to just ignore it and leave it be, but I've just read their literature with the statement and it…
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Switching my ISA
Hi, I've got an ISA account with Halifax which currently has £4500 in it, and has an interest rate of 0.5%. I'm looking to switch to an ISA with a better interest rate. Can anyone suggest a good one? Also, do I switch now or wait until the end of the tax year? Thanks! Laura :)
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Halifax's ISA Direct Reward not being for 12 months?
When i took this out, i thought it was for 12 months. It's the instant access one. IIRC it's the one that was 3% if you didn't have a Halifax current account, but 3.2% if you did have (a current account). I think i opened mine around June & thought it was for 12 months. Just received a letter to say the period is ending &…
