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cash isa interest limit
I have a cash ISA of around 5k with lloyds tsb for 2011/12 year, i got an interest 190£ that is paid on April 02, 2013 into the same cash isa account. I have opened a cash ISA for an amount 5640£ with santander for 2012/13. As the 190£ got credited in lloyds tsb cash isa. Will that affect the limit of 2012/13?
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Deadline 12/13, what does it mean?
I keep on this site about the ISA, the deadline to open an ISA 12/13 is in 2 days, use it or lose it etc. What does this mean? I wish to open a new ISA for 13/14 as Halifax (my 12/13) is well low, I am looking at Santander, is this what that means?
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Data Protection
The Bank broke 2 6 and 10 out of the 11 FSA guidelines rules which Lloyds are signed up too? They broke the Data Protection act by revealing to my partner my financial status and ultimately destroyed our trust in each other which resulted in a temporary break up in our relationship!!. I am claiming compensation and Lloyds…
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isa help please!
Hi I have transferred an existing isa with halifax to santander it is in the process of moving got a text from halifax today. I didn't pay into it last year so no payments have been made in 2012/2013 apart from an interest payment halifax put in in July. The santander new isa is up and running on my internet banking…
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Oap + isa. Any point?
I note Martin's latest urgent insistence on ISA input. My income is solely OAP[State Pension+Pension Credit] plus sporadic earnings via fairs. I am not a tax-payer, but have been saving small amounts. Despite all the gripes with this Bank or that, my local NatWest have been excellent. I have a basic current a/c and an…
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Old ISA - OK to just withdraw it?
Hi, I have around 2k in an old ISA account, my first I ever opened back in around 2000 actually. Its been closed to new deposits for some time by the BS, and is only getting around 0.50%. I was going to transfer it to my Virgin Money ISA for this current year but never got around to sending the forms, is it realistically…
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I have not subscribed and will not subscribe to another Cash ISA in the same tax year
Hi, Can i ask for some help and clarification on this please? I already have an isa opened a few years ago, but i've paid into it this financial year, but i'm trying to open a Santander 2012/2013 ISA and its asking me "I have not subscribed and will not subscribe to another Cash ISA in the same tax year as I subscribe to…
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Transfering old ISAs from the same provider
So my 2012/2013 allowance was used up a while ago, and I now have the maximum 2013/2014 amount ready to pay into a new ISA once the new ISA year starts. My 2012/2013 was with Santander and matures on May 1. If the best ISA for new money in 2013/2014 is with Santander as well, would I be able to transfer this ISA (following…
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Do ISA deals disappear next week?
Hi, My current ISA i didn't open this financial year, so can i open one of the ISAs such as the Santander one with a min £2500 and transfer everything into it today? Also we this deal not be there next week? or do deals get better at the beginning of the financial year? Thanks
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Nationwide Flexclusive ISA Issue 3
Rumour has it that a Flexclusive ISA issue 3 will be launched @2.5%. No details yet on bonus rates/periods. Flexclusive ISA Issue 3 is for new ISA monies only (i.e. no transfers in) but I have a sneaking feeling that consolidation of existing Nationwide Cash ISAs may still be possible into Flexclusive ISA Issue 3, even if…
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ISA transfer times
How long is everyone's ISA transfers taking? I handed in my transfer form to HSBC branch to move my 28.5k to their 2.75% cash ISA from Investec on 28th February. But here we are on the 3rd April and it still hasn't been moved. I'm really quite annoyed because since the structured cash ISA matured on the 28th February it is…
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Better ISA rates AFTER 5/4??
I know no-one can say for sure, but do ISA rates traditionally go UP a bit after the start of a new financial year? Or are they usually marginally better at 'the 11th hour' of the current financial year?
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Isa Transfer Question
Hi, I currently have an ISA with halifax and im thinking about moving it to santander. It might be a stupid question, but when do i need to do this by? I am yet to receive my interest in my halifax account for the current year (2012/2013). Do i wait till i receive this before switching or do i need to switch now (before…
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When to open ISA?
Hello, I would like to start saving some money into an ISA. Am I best putting my current savings into an ISA now or wait until after the 5th April? If I open one now at 2% for example, will that rate drop on Friday because it's the end of the ISA year? Or will I keep that rate for another 12 months? Thanks in advance for…
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Likely to be better rates for ISA in new year ?
HI I have a cash ISA with Halifax at 3% dropping on 11th April to .25% Also have an ISA with santander just transferred this to the 2.5% Isa. Thinking that I should tfr the Halifax one into the Santander one and amalgamate the two , but also wonder if there is likely to be any better rates after 6th April, or would all…
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Two ISAs same year, one for transfer?
Guys, I'm slightly confused, I've got a NatWest ISA on which the rate has just plummeted to nearly zero, tonight I saw the Santander ISA mentioned in The Evening Standard and thought it looked decent. I filled up my subscription for this year pretty much as soon as I could so I'm maxed out for this year and I have quite a…
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Bank Of East Asia Branch only Cash Isa
Hi, My first post so please be gentle. I was looking at the best rates available on the market to transfer out my existing ISA's to and i came across The Bank Of East Asia UK branch on a number of the comparison sites. They are paying a tied interest rates up to a max of 3% AER of funds above 40K. They are covered by FSCS…
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ISA transfer question
Hi all, I have a slightly bizarre and probably simple question to ask but it is causing me to question myself. I'd be grateful for people's thoughts... I have today opened a cash ISA with Santander with a view to transferring my current ISA from Natwest into this. This account opened immediately and is already viewable in…
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Transferring last year's ISA but also paid in this year?
I'm sure this is a common question but I'm struggling to find the answer for definite. If I have an ISA with bank X with the full allowance from 2012/13 in it, and I continue to pay new money into it during 2013/14, am I able to transfer the previous year's portion of that money somewhere else during the 2013/14 tax year?…
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Moving ISA to Nationwide - confusion
I sent this to Nationwide, it explains my problem. "Hello I applied to open up a cash ISA with Nationwide last week, during the sign up i requested to transfer in an existing ISA from my current provider. Today i received a pack which i have found extremely confusing. It contained: "Application for cash ISA" - But i have…
