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ISAs with fixed 12 month bonus
Sorry if these are daft questions, but I'm confused... I'm thinking of tranferring my current Halifax ISA to the Halifax ISA online saver which is 3% interest. 2.75% of that is a fixed 12 month bonus. When I phoned up to enquire I was told that interest would be paid on the anniversary of opening account but the info…
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Monthly or Yearly interest
My wife and I have over £25K wirth of existing ISAs eahc and obviously now need to transfer into a new provifer to take advantage of the rates. We have often used ING in the past - who pay interest monthly - and this gives some comfort as the values go up regularly. Most providers say there interest is yearly. Given the…
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Going From Natwest Isa to Santander
Good afternoon, I'm trying to get my money to work a bit harder for me, I have a sum saved for a few years than I don't often if ever touch so I'm looking at locking it into an ISA for a year. I currently have one with NatWest (at something silly like 0.5%), having poked around the site here and reading up, I went with…
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ISA Query..
Hi all, sorry if this is a stupid question, new to all this saving/investment stuff! :) I opened a new ISA with Natwest at the end of the last tax year and paid in the whole of the yearly limit. Now its the new tax year I am now able to pay in another £5,640, which I intent to do as the more money the higher the rate. My…
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Is this possible? Two ISA accounts.
I have all my money in a Santander ISA but haven't used any of this years allowance yet. Also the rate has just dropped to very low so I need to move the money. I was wondering if I can split the money so that not all my cash is with one bank i.e. open a new account and transfer half and also open a new Santander account…
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Fixed term ISA
I opened a 1 year fixed term ISA in November 2011. I now have some more money to invest in an ISA for tax year 2012/13. However when my 1 year fixed term ISA expires what happens to the money. Does it stay tax free or does the account become a regular savings account? I am a little confused and would like to know before I…
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Should I stop using ISAs?
I'm 69 years old and have a state pension of £6959 as my only income. I don't pay tax and don't have to fill in a Self Assessment form any more. I have about £50,000 in long standing ISAs. Should I now opt for a higher interest rate in ordinary savings accounts? When is the personal allowance going up and how much interest…
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Please help me compare total interest
I'm trying to decide between M&S instant access cash ISA at 3% and Principality regular saver ISA at 4%. I don't have a lump sum at the moment but I will do in October when my First Direct regular saver 8% account ends. Principality does not allow paying in more than £470 in a month except for in March when you can top up…
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Transferring Isa
Hi, I have an old Santander isa. I opened a new isa a few days before the current tax year with Halifax, but didn't get round to transferring over the funds from Santander. If I transfer now, will this count towards this years allowance? Halifax do accept transfers. If I can transfer and it not affect my allowance, am I…
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Transfer of old ISA
Got my ISA statement in from the Hallifax. Two queries,last year I transfered an old ISA from Barclays and on my statement this shows as a Deposit Branch Credit Without Book. The annual interest was also missing. Phoned them and was told a computer glitch failed to show the interest on the ISA statements.Also told not to…
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No action on ISA transfer. When should interest be claimed from once sorted?
My own ISA transfer from Halifax to Santander has been sorted & all interest settled, but my g/f isn't having such a good time with hers (& she applied for the transfer sooner). She complained to both Santander & Halifax about the way in which it was being handled (the key note being she applied for a partial transfer &…
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Best place for S&S ISA but with small amounts
HI guys I want to open a stocks and shares for the new tax year, however I do not have much money to invest. What I would like to do is deposit small amounts of money say anything from £50-£150 every quarter or so. I am not sure though what is the best way to go, I dont want to have to pay a great deal in fees for such…
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ISA transfer question
I have £2660 in my AA ISA. The interest is 3.35% which will drop to 1.7% on June 9th 2012. I have not deposited any money for the tax year 2012/2013. Can I deposit £1000 into my AA ISA from now till June 9th 2012, then transfer £3660 from my AA ISA to Principality ISA on June 10th 2012, and deposit the rest of my ISA…
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Interactive Investor
Hi, woul appreciate your opinions, Is Interactive Investor a good platform to use for my S&S ISA? I intend to use my full allowance in S&S in 2012/13 as I have a small cash safety net and want to invest to ensure I can pack up work at 62 (currently 47). It looks a good choice to me but I would appreciate the opinions of…
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Stocks + Shares ISA
Hi, just wondering if anyone can give me a few hints/tips regarding opening my first ever stocks&shares isa? I always tend to max out my cash isa and i'm looking for a long term investment plan to put approx £25-30 a month into. In the past i had one of those Scottish Friendly 10 yr plans which i saved £25 per mth into…
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Transferring from old cash ISA to new cash ISA with the same bank
Hi there, I chose Halifax for my cash ISA for last year (ISA Saver Direct, 3%) and my interest has been paid. I see that they are offering a new cash ISA called 'ISA Saver Online' which pays 3% and was wondering how to transfer from the old ISA to this new one. Is this possible? Thanks.
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Stupid question re ISAs ...
1) When and on what amount is interest paid? For example, a) if I open an ISA with the full annual allowance of £5k+ in April 2011, but took out £2k during the year, will I receive interest on what is left or on what I had in total in the account over the year? and vice versa... b) if I opened an ISA with say £1k this year…
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Problem with my ISA
Hi everyone. I have just started saving money in an ISA. I chose the Lloyds TSB Fixed Rate Cash ISA because I already have my bank and credit cards with them, meaning it will be easy for my to keep track of my savings online. The issue I have is that I mis-read the t&c's which say there is a minimum opening balance of…
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new accounts
Hi If you open an isa that has a bonus rate for so long does the variable rate still go up or down but you still get the guaranteed bonus rate. also some sites ive seen advertise the same account with the same companies but described different...some say MIN DEPOSIT others call it MIN BALANCE. are these the same just…
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Another Santander transfer question
Hi I intend to open one of the Santander Direct ISA for this tax year. I will deposit £5640 into it, and also transfer 2 existing ISAs - one from Halifax and the other from last years Santander Direct ISA. On the transfer form part 2(c) is says "Do you want to transfer your current tax year subscriptions as part of this…
