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Santander 2 year Fixed rate ISA_2012-14
Can anyone tell me if this ISA (you know the one where they offered .1% bonus if Rory won a major) allows transfers in? Also I can't remember the terms, does it track the bank of England rate?(currently .5%) Is it also possible to transfer an ISA if opened this ISA year before it matures next April?
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ISA help
I thought i had recently opened an ISA with Tesco Banking, only to realise Instant Savings Account doesn't mean ISA :o lol Can't tell im not used to all this saving stuff. So i am now looking at getting an ISA. Is there any point in getting one when i don't earn enough at my work to pay tax, My husband does pay tax but…
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Still confused!! Please help.
As the title says I'm still slightly confused :( . I am going to try and make this as clear as possible:- I opened an ISA with Barclays in 2012 using my full allowance. I have opened another Isa with Coventry BS for 2013/2014 as the rate was good using my full allowance for this year. The rate has dropped by loads on my…
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first direct ISA
http://www2.firstdirect.com/1/2/savings/cash-isa?WT.ac=FSDT_CTA_SAV_CISA1002 "Cash ISA rates Balance AER Tax free £1+ 0.50% 0.50% £5,000+ 1.20% 1.19% £10,000+ 1.70% 1.69% £20,000+ 2.20% 2.18% £40,000+ 3.00% 2.96% " Does that mean for £5760 subscribed it pays a]1.19% on the lot or b] only 0.5% on £5000 and then 1.19% on…
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Take money out of an ISA
Hi, I have an ISA in Santander with a bonus that expires in July, then the interest drops to 0.5%. I have another one in HSBC with a much better interest, but it does not allow transfers. Would it be ok to take the money out of the Santander ISA , put it in my current account and then transfer it to the HSBC as "new"…
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Can I top up a previous ISA
Hi, I have a Santander 3 year Fixed ISA and because the rates this year are so low was wondering if I can top up my Santander ISA from last year with this years allowance? (Not a transfer in) Does anyone know If this is possible or does it matter which particular ISA it is? Thank you in advance for any help. Sue
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Moving a S&S ISA for a newbie
Bit of background: I've been investing £50/month into a L&G Stocks & Shares ISA, investing in the UK All-share Index since 2009. Although not much of an investment, it has yielded quite a nice return over the years. Current Goal: I'm now in a position where I'd like to build up a portfolio across several index funds and…
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Cash ISA Transfers, is this a 'new' account or not?
Sorry if this seems a bit obtuse but I have a query about Cash ISA transfers. I did this some years ago and then the ‘new’ provider did all the work with no problems. However, now I notice that a ‘new’ provider expects you to open as ISA with a zero balance before you can transfer in an existing Cash ISA. Does this not…
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any point getting an isa or should i overpay the mortgage instead
hi i have a btl mortgage at 6.29% i can overpay but can't get the money back and a resi mortgage at 3.03% that if i overpay i can underpay (nationwide) i had 5k in an isa paying 3% last year but rates are so bad i am debating using the money to overpay mortgages instead probably into the resi so i can get the money back if…
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Do ISAs *not* pay interest on transferred-in balances?
Hi there, Last financial year (2012-2013) I opened a Santander ISA rated the best for the first year interest rate by MSE, and transferred the balance of my existing ISAs with other suppliers over to it. I did not make any new payments into my ISA during this financial year as times were tight. I was under the impression…
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isa rules clarification please
If I invest £1000 now in a cash isa with provider "A" but then later within this tax year I transfer the isa to provider "B", can I then invest the rest of my isa allowance with provider "B"? Or does that count as investing in two isas within one tax year - which I thought was not allowed? Jane
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Isa interest
This is probably a stupid question but here it is: I opened a 2 yr fixed rate ISA with Santander in April 2012 £5640.00 at 4%. Got a summary for Apr 12 to May 13 showing interest of £6.16p. Why didn't I get 4% of £5640.00? i.e. £225.60 Asked Santander via my online a/c but they say they can't discuss this, I will have to…
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Will getting a joint ISA make us financially linked?
Hi, Please can someone tell me if my girlfriend and I get a joint ISA, will this make us financially linked? Thank you.
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Non tax payer should I keep my ISA
Having reached the grand old age of 65 I have been told by HMRC that I no longer have to pay tax, I have £698 of tax free allowance left. As I have £9000 in ISA's at very low interest would I be better putting the money in an ordinary savings account?
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Displaying online the amount paid in/remaining amount available
Until this month I had only had ISA's with FD. My online ISA statement displayed clearly the amount paid in so far in the current tax year and the remaining amount available to me. I have just switched to a new Virgin Isa and have found that they don't do this. I rang them today to query why. i was told that they are…
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Fixed term with a bonus and a fixed maturity date?
I'm not sure I understand some of the rules about fixed term cash ISAs. Several of these seem to have a specific maturity date... e.g. Leeds BS says 2 year fixed term matures on 30 April 2015 at which point it goes into an instant access ISA (presumably paying little or nothing). So if I put the money in during October…
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Halifax Interest Incorrect
Just a heads up as we've found we've been underpaid on our ISA interest. Specifically this relates to ISA opened in April 2012 under the Halifax "Price Promise" whereby they guaranteed that interest would be applied from the date of application although there may be a delay in getting funds transferred from the previous…
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Isa's ....so confused!
Ok could somebody please clear this up for me as my head is spinning! I opened an ISA with Barclays last year. The rate has now dropped so I want to transfer. Now I have also applied to open a new ISA with Coventry building society as I got a good rate and I want to deposit my years ISA allowance into this. I called…
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Avc'sI
Just a quick question to the board,just got this years pay rise ,approx £30 a week,I pay 40% on about £6000 of salary.does it make sense to just pays this as an Avc'sI to brass fund,it's tax free and can be taken as lump sum if desired at retirement. Already pay in £50 a week on Avc'sI and pension is final salary.i know…
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Incorrect ISA advice given by bank.
Not sure if this is the right forum but here goes: In May 2011 I had built up some savings whichI thought would be better off in an ISA so I opened one with the Bank ofScotland and utilised my full ISA allowance straightaway. The following April(2012), the interest earned was added into the account and I went into my…
