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Managing one's ISAs
Can funds be added to a 'full' ISA, or is each 'full' ISA a self-contained entity that you transfer from savings provider to savings provider down the years (to take advantage of the best rates), separate from all the other ISAs one has? In other words, say after 20 years, does one end up with 20 ISAs all needing separate…
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Full isa & saving 1k a month where do i go?
Hello, i have filled my new isa but i am still saving 1k a month and currently i am putting the money in the barclays e-savings Reward account at 1.25% is this the best thing to do? all my accounts are with barclays. any help would be good. and sorry if this has been put on here before.
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Tesco ISA computer system error
Hi all, I am new to MSE forum and looking for some advice from you friendly folk. Last Friday(5th April) after watching Martin Lewis on TV i took his advice and tried to open a Tesco Cash Isa at 2.3% interest. I thought this would be great as i had the full amount to add in then the following day (new isa year) i could…
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3% Halifax ISA?
Hi guys, Just a quick question. Well, I hope... Logged in to my online Halifax account, wanted to check how much money I had since interest paying out over the weekend (£10.38 - better than nothing). Anyway, the interest rate states that it is at 3% gross interest. Having a look at the best buy ISA guide, it would appear…
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Santander Master ISA- Online application??
Have just managed to open one of these on the phone. The call took 22 minutes and consisted mainly of automated and manual reading of T&C's. It sounded more like a marriage service by the end. The thing is I really wanted to open one for my wife as well , but just couldn't be bothered by the end of all this. The very nice…
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Best Cash ISA To Transfer In
Hi, I currently have a cash ISA with Intelligent Finance who have recently reduced their rate from 2.5% to 1.8%, like many other providers. After having a look around for better rates elsewhere, I can find other cash ISA's ranging from 2.2%-2.5% that allow easy access & transfers in. Do you think that it would be…
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Not accepting isa transfers
Probably a simple answer no doubt - but why do providers not accept transfers in of old cash ISA's?
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Regular saver and ISA account
Was looking at different saving accounts and came across HSBC which have a 4% AER fixed for 12 months paying in £500 a month seems ok, there was a higher rate from First Direct of 6% but I'm unsure as it doesn't have a branch and not sure how safe it is. Did some calculating and £6,111.23 was the earning I'll make. Is that…
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Carry on saving In last year ISA and then transfer after it matures?
Hello there, I opened an easy access isa middle of last year at 3% guaranteed until July this year. I would like to know if I deposit some of this years allowance into it too thus counting as my 2013-14 isa then can I transfer to another provider in July once interest drops and save the rest of the allowance with the new…
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Investment Trusts held in an ISA
I would like to hold a few investment trusts within a stocks and shares ISA and am trying to work out the cheapest way of doing this. I am currently looking at using either SIPPdeal or Alliance Trust but am a little confused over the charges. I anyone can help me with any of the following that would be appreciated. Am I…
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ISA transfer confusion!
Hi I have various ISAs which run out of term within the next 2 months and drop to low interest rates. I have seen ISAs such as Santanders which take new money and transfers in. My query is: Can you open such a new ISA and then gradually transfer in various ISAs as their terms expire or do you have to wait until the last…
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Cash ISA transfer help please
Good morning all, I want to bring my ISAs up to snuff and I was hoping to get a clear understanding of transfers before I get started. Let's suppose I have 3 cash ISAs from the 3 previous tax years, 2010(/11), 2011(/12), and 2012(/13). These are all instant access. Let's also suppose that 2010's ISA has dropped to 0.1% and…
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Does anyone know ?
It's ok I reckon I just need to phone :)
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Leeds Online Bonus ISA
Hi, I opened up Leeds Online Bonus ISA last weekend. ID was all verified electronically and I only I needed to send in signed application and opening cheque. I send the chq and application Monday morning. I have checked my account online and its still showing zero balance and when I click on my ISA then it tells me they…
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Transferring this year's Santander ISA to London Mutual Credit Union
Hi, I've just noticed that creditunion.co.uk offers a 3% ISA for residents in Southwark. My ISA with Santander, where I hold this year's and previous years' savings, offers 2.5% only. Do you know if the Direct ISA Issue 1 imposes any penalty on closure?
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Natwest e-ISA application
I applied for the Natwest e-ISA yesterday (2.25% on balances over £30000) and near the end of the process I was told I'd receive something through the post in 5 days or so to complete the application process. I thought I might have received an email to confirm the application but I haven't received anything. Has anyone…
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Bank quick to offer compensation for ISA mistake, so what is a fair deal?
In April 2012, I opened a Santander 2 year fixed ISA. I transferred various 'old' ISAs to it. When I got the statement I noticed that the transfer from M&S was wrong. Instead of £3300, then entered £330. I rang Santander and they said that was a mistake and added £3000. I thought nothing more about it since the next…
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ISA Transfer question
Hi all, I have currently been waiting for my ISA to mature on the 16th April. However I wanted to clarify a couple of things. Basically if I were to open a new ISA for the 2013/14 tax year on or after 6th April but then did not choose to transfer at the moment (it would be a transfer allowed ISA). Can I start using my…
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Just beat Santander ISA deadline?
Hi.I hope I have put this in the right place this time.I took out an ISA with Santander on 7/4/13,expecting to get a rate of 2.5%.The following day they closed access to this account to newcomers by(I think)launching a new ISA at 2%.I can't find anything on their website,but I am hoping that I will be getting 2.5% as I…
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ISA...quick question
If I open up a new ISA now....can I, come June when my current rate ends, transfer my existing cash into a new ISA or does this have to be done at the same time as opening a new ISA?? Thanks
