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Quick ISA question
Just a quick question. I had an ISA last year and planned to change providers this year. Unfortunately I forgot to cancel my monthly standing order and £50 has already gone into the ISA I set up last year. Can I still open another one or am I stuck with the ISA I've already got? Probably a really simple answer - just don't…
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Opinions: Nationwide 30 month fix at 2.8%
I am looking at opening one of these (Nationwide 30 month fix at 2.8%) for a fixed rate ISA that matures with Nationwide in May. I am assuming I will be offered this option before its pulled; I am waiting for the transfer form with my options to be posted out to me (may get it tomorrow). What are people's views on this; is…
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Interest Calculation Query
Hello, I am hoping someone can help me with regards to my interest payment calculation on my ISA account? I feel I may have been underpaid interest, and I need assurance before having a lengthy telephone discussion with Santander. I opened a Santander Direct ISA Issue 9 account on 21 April 2012, paying a rate of 3.3% until…
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What happen with ISAs if you leave the UK?
I am planning to travel around the World in a bicycle starting next year, and I am not going to be living in the UK for several years. It shouldn't be a problem to keep open my bank accounts, would I have any problem with my ISA accounts?
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Should I continue paying in my last year ISA Conventry 3.1?
Hello, I open on January an ISA with Conventry BS, the 3.1 ISA 60 days notice, and I put my maximum allowance there on that month. Now I have not open yet any new ISA, and I would like to pay in my maximum allowance somewhere. I got a letter from Conventry with the conditions of my actual products (Important information…
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HMRC and ISA statements
Question for those in the know. (Probably) like a lot of people I have Cash Isa statements, transfer docs etc going back over several years. Is their any requirement to keep these for 6 years as with other non ISA interest statements ? Thanks
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transferring an ISA
A relative of mine wishes to transfer her ISA currently paying 1% interest. She is 68 yo and would rather bank in person or online. The only banks in town are Barclays, Lloyds (currently with), Natwest and Nationwide. Any advice?
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Cash ISA question
Hmmmmm... this is a bit embarrassing lol, I'm usually one of those quick to answer the easy and basic ISA questions asked on here regularly as I thought I knew all the ins and outs and ISA rules! I now have an ISA question to ask... You can only transfer the current year's allowance whole as we all know, you cannot break…
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New to Stocks & Shares ISA - need help
Hi all, With the dire rates on cash ISAs I am taking the plunge into S&S ISAs. My question is, if I have opened a regular monthly saving account with one provider in 2012, can I open another with a different provider in 2013 while still paying into the 2012 monthly one? Thanks in advance for any advice.
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Internal Santander ISA Transfer form
Does anyone know what the internal ISA transfer form is? I have one Santander ISA, which I want to close and transfer the money into another Santander ISA. I have seen this form below but it appears that it is for partial transfers and multiple ISA transfers. Is there another for one merging into another…
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How long to set up Fidelity ISA?
I initiated the process of setting up an ISA with Fidelity on monday - however, they haven't yet taken the money from my bank account (I did a debit-card deposit) and the status of the instruction is still "pending". How long does it normally take to set up these things? I previously had an S&S ISA with L&G and they always…
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Funds isa - other providers
All my funds stock ISAs are with HLansdowne- should i also try other fund supermarkets like BestInvest , The Share centre etc ? I'm not to familiar with all the hidden charges/costs but my strategy is no trading at all and minimum 10 yr investment.I'm not in it to actively monitor my investments but simply to put money…
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Aldermore
Hi, I have been looking for a decent rate on an Easy Access ISA that allows transfers. I came across Aldermore Fixed Rate Cash ISA which is offering 2.25% for a 1 year fix. I have since applied for this without properly reading all the info and it seems I can only make 1 deposit - is this really correct? If so, to meet my…
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Should I close ISA?
I'm a bit confused - I have an ISA with Bank of Scotland which has recently reverted from 3% interest to 0.25% and I'm not sure what to do with it. There's a good chance I will want to use all of the money in it within the next 6 months so I'm thinking I may be better transferring the money to the Current Account I have…
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quick ISA help please
Hi all, I have a flexclusive ISA through Nationwide on which I am getting a bonus rate of 4.25 % until October this year. My question is simply this...would it be more beneficial to pay into the same ISA this year,effectively accepting the 4.25% until October and then the basic 0.1% after that, or should I open a new ISA…
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ISA Transfer
Dear community, I have been doing some research but I was wondering if you could help me with a doubt I have. Let me explain my situation. I have 2 different instant access Nationwide ISAs (one for 11/12 and one for 12/13) that will lose the bonus AER towards the end of this year (September and October I think). My idea…
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Have we recieved good advice
I hope someone can help, My husband and I have a couple of Isa's and we want to cash one in as we need to do some building work. The advisor at Lloydstsb has said that we should cash one of the Isa's that is doing well and has made around £1500 this year as she thinks that there is going to be a "dip" and we could lose…
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Transferring ISAs - Can anyone confirm if this scenario is allowed?
Hi all. Can anyone confirm if this scenario is prohibited/allowed under the current ISA rules? * 2010: I open a Cash ISA with Barclays which allows transfers in and move my existing ISAs from a few different providers into it. * 2012: I open a Cash ISA with NatWest which allows transfers in and transfer the Barclays ISA…
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Anyone know how to get money out of an old Santander ISA?
I have a 12/13 ISA with Santander. I want to transfer the money to a current account, but it is not letting me do so on the Santander website. I get an error saying 'Sorry, but you do not have a valid product for this request'. Anyone been in this situation before and have any ideas? Will I need to go into a branch? I…
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Best cash ISA rates for transfer?
I know there are a lot of threads on this already so sorry if this is a repeat question! I have topped up my cash ISA with the full allowance for this year and have just over £25,500 in it. I was hoping this would give me access to some good ISA rates.. however, my interest has been dropped from 2.5% in 2012/13 to only…
