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Minimum deposit issue on new Cash ISA
Hi everyone, I've got £8k+ in a Santander ISA that I opened last year, and as the rate has tumbled after 12 months, I am keen to take advantage of being able to open a new one. The issue getting in the way of which ISA to choose is that of minimum deposits. Unfortunately, I have no new money to invest currently, and am…
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Another Santander ISA transfer Q?
Sorry everyone probably sick of all the ISA question but hopefully you havent read this one so many times before. I had a Santander ISA from 2010/2011 and was looking at the 1year fixed Santander ISA at 3.50%, it says allow transfer in with zero balance but does it count if i want to transfer between santander accounts?…
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whats my best option?
Hi there. I am looking to open a new savings account. i will be depositing 500 initially when i open it and puting in around 800 a month for 10 months. I have been looking on the site for best ISA return but does it really matter due to the amount i'm puting in and the timescale. any advice?
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I need urgent advice on my Isa problem please!
This problem has now been sorted, they've said they were wrong! Result.
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If an ISA rate is cut......
...... after you sign up, is there anything you can do? If I open an instant access 2012/13 ISA and the rate is cut shortly after, is there anything I can do and still keep the tax benefits of the ISA? Am I allowed to transfer the funds to a different ISA or can you only do that to past tax years allowances? Or is it just…
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Does accrued interest get transferred?
Hi, I have last years Cash ISA limit to transfer over to a different ISA this year, in order to keep the interest decent. I used the full cash ISA limit last year, and am unsure if the accrued interest can be transferred over? Or do I get the accrued money from interest paid separately after I have transferred last years…
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best thing to do?
Hello! Just wondering what would the best thing for me to do in terms of my ISA's. I currently have £3296 in a Nationwide e-ISA that was opened for the 2011-12 tax year but the bonus expiry dtae is 31st august 2012 and my bank statement says the current gross interest rate is 3.10%. I also have £5502 in a Barclays ISA that…
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Pension vs ISA
Hi, I have a question for people. Where i work i currently pay around 8% of my wage in to my work pension. Because i pay over 5%, work also chuck in 5% value of my wages in to a pension for me. Therefore i have 13% all together where only 8% is only actually my money. With the latest stuff going on with pensions would it…
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ISA noob quick help please!
I opened my first ISA with Nationwide (Online ISA Issue 3) on the 4th April this year (think I just got in before the tax year if that's important?) I opened it with £4,000 as that's what I had at the time. I now wish to 'top up' the ISA, and have read the ISA limit is £5,640. Stupid question but does that mean I can put…
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Interest On ISA if I withdraw cash?
Hi I'm self employed and plan on using my isa to save for my tax bill twice a year. Between now and July I need to save roughly £2000 which I then need to withdraw and pay a tax bill. I then plan to save the remainder £3640 of my tax free allowance to withdraw in January to pay the remainder of my tax bill. My question is:…
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Tax on Cash Isa Interest
I thought that interest on a cash ISA is tax-free. Have I got this completely wrong? I Have an ISA of £5340 from last year with 3.3% interest (£176.22)but the bank have paid me (Interest paid after tax 0.00 deducted £136.07) a total repayment of £5476.07. Before I contact them, I would like some clarification of the tax…
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S&S ISA - Fidelity Cashback
Has anyone tried the S&S ISA Transfer Fidelity Cashback offer? https://www.fidelity.co.uk/investor/products-services/consolidation-services/default.page I am already a Fidelity customer, but have an L&G ISA tracker direct investment dating a couple of years ago and would be happy to transfer it in the Fidelity framework.…
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transferring more money into an ISA
I recently opened an ISA with the Nationwide for this new financial year I transferred £2000 from my Halifax ISA that I had last year leaving £5000 still in my Halifax ISA to do home improvements. Today I have just found I do not need as much to complete the work I'm looking to transfer over another £3000 is it possible do…
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Non-taxpayer ISA question
If a non taxpayer closes an ISA account in order to open a better rate ISA is tax deducted if they did not have a R85 form for the account? Or is no tax deducted from ISAs on closure anyway?
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what is the best option?
at the moment i have £10k needs transfering to santander, and to open Flexclusive with this year allowance to add on. however, there is high probability that i would need to keep it under £6k in August. I would have to withdraw the money from the isa account so what is the best option. 1)transfer to santander, not open…
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Halifax fixed isa question
I plan to consolidate my three ISAs and transfer them to the Halifax 3 year fixed. OnceI have opened tha Halifax one how long do I have to get my funds into it. i am not already a Halifax customer. Thanks cslogg
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Overseas ISA Investing
I would be very happy to get some advice and answers at my current confusion about investing. I'm currently living in Canada on a 12 month temporary work visa which is due to run out at the end of may. I've used my ISA allowance for the past couple of years and as the new tax year has started I'm just a bit confused…
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Help/Advice needed on transfering an ISA
Hello everybody I would like some advice from anyone in the know. I opened an ISA in November of last year with the AA (ISA Issue 2) 3.05% interest rate paid yearly. As the new tax year started I opened another ISA with Santander at 3.5% this account also allows ISA transfers in. I want to transfer my AA isa into this…
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cash isa payments monthly or yearly?
over long term will it make a diff to return if you pay full cash isa allowance yearly upfront or monthly payments by direct debit? thx
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Anyone thinking of cashing in the NS&I index-linked savings that came out a year ago?
Think they came out around 12th May 2011 and were withdrawn September time. Paying RPI + 0.5%. They were for 5 years but you could withdraw the money after 1 year. Couple of questions - what month's RPI will they calculate the first year's interest (does it depend on when you took up the issue?). How do I cash mine in if I…
