-
ISA rate now dropped, where to transfer it?
OK, my Halifax ISA dropped from 3% gross down to 0.25% today. So looking to transfer it. It's got £500 from 2012-13 in it and I made the mistake of putting £200 in it for 2013-14 and intend to deposit at least another £200 per month into it. Any advice on where to transfer it to please and somewhere preferably I can open…
-
Online ISA
Is it safe/wise to put an ISA into a bank where you are only able to manage it by online and sometimes phone? I am considering Coventry but there are no branches in Northern Ireland.
-
Junior ISA
Could somebody please clarify for me whether or not my daughter is entitled to a Junior ISA. She is 16 and was born in 1996. I had assumed that I could open a Junior ISA, but when I went into Halifax I was told that as she is 16 she has to open an adult ISA. I've re-read the info and I still think that she should be able…
-
Helping out my kids with ISAs
I have a little confusion ISA issue. I have a Nationwide Flexclusive (4.25%) opened last April and my son (under 16) and daughter (17) both have some money they want to invest. They both are interested in opeing the Halifax 6% junior ISA but need a parent to have a Halifax ISA which I do not nor does my husband. I was…
-
Coventry Failed to open ISA despite receiving application in time
Do I have any come back? Due to personal issues, separation and not having ID with my new address on I was last minute in getting my application for the Coventry 60 day notice ISA. I had called to ask if my application was still valid as they had pulled the account and they said yes but that the application would need to…
-
SANTANDER sly change of ISA interest rate
Last year I transferred my cash ISA to Santander into what I thought was a 12-month cash ISA, due to mature on 25/4/2013. A statement confirming the rate was sent in March 2013. I have since discovered that the deal I signed up to actually paid the 3.5% interest only up to 1/4/2013, after which it reverted to a nominal one…
-
New year ISA - Stick in old account or new account
So.. I have an ISA that I open at the beginning of the last tax year, it came with a interest rate + bonus amounting to 3.50% until 30/10/13 Now I would like to make a deposit of this years ISA allowance - however do I put it in in my old ISA account and get a good 3.50% for 5 and a bit months and hope the rate doesn't…
-
Junior ISA question
Could somebody please clarify for me whether or not my daughter is entitled to a Junior ISA. She is 16 and was born in 1996. I had assumed that I could open a Junior ISA, but when I went into Halifax I was told that as she is 16 she has to open an adult ISA. I've re-read the info and I still think that she should be able…
-
Interest on ISA?
Hi there quick question for those in the know. The interest from last years Halifax ISA (£98.41) has been paid, bringing the total to £5738.41 - do I just leave it at or do I need to move out the £98.41 interest paid, to another account? I'm planning to pay in this years allowance to a 3yr fixed term Haifax ISA. Just not…
-
How many ISAs per person?!
hello guys.. 1) I have read somewhere someone talking about "old" ISA account, and others were talking about putting some money in the old one and some in the new ISA. can someone please explain that? I thought that you can open one ISA account only, and when you find better rate, you don't close it, but transfer it. so…
-
Are stocks and shares ISA's worth it?
Hello Forum, I have just signed up to ask this question which has been on my mind for years. For the past 5 years I have always ensured I have had and always will continue to ensure maximum cash ISA while any other savings (normally around £3,000) are placed into a regular savings account and then transferred into a high…
-
Seeking clarity on a possible isa mistake
Opened a cash isa with Halifax last year to stash away funds towards a house. Rate was 2.75% with an introductory bonus. Will likely be withdrawing most of the funds from this in the coming weeks to buy a house & had planned to open a new isa to start a longer term savings pot. Interest for the 2012-2013 year was paid into…
-
ISA vs Savings Account Advice
Hi all, Hopefully this should be an easy one. I have just over £6,000 in my nationwide e-Savings Plus which is Gross interest rate 2.00% Net interest rate 1.60% I'm getting Married in September so will be using all of this money around August. Just looking at ISA's, is it worth putting £5,760 into this ISA...…
-
First Direct - Cash ISA tiers
The First Direct Cash ISA is tiered, with different interest rates on different balances. If I have a balance of, say, £50k, does that mean I would receive (a) 3% on the full £50k or (b) 0.5% on the first £5k, 1.2% on the next £5k etc, and only 3% on the portion over £40k? I can't find anything in the T&Cs, which, combined…
-
Halifax fixed isa 3 year 2012/2013
Hi on 26th March myself and The wife opened a Halifax 3 year fixed rate isa i downloaded details and also received e mail stating we had 60 days to fund account or it would be closed. Went to local Halifax branch today and they are saying I cannot now put money in for last year as 5th of April has been and gone and now it…
-
first direct ISA
I tried to open a first direct ISA on Saturday, and am quite sure it completed the process, it said something about taking up to 2 days to show in my online banking. I need to see my account number urgently as I need to contact my existing ISA provider to request a transfer otherwise I will be tied into an ISA for a year…
-
Best Monthly Interest Paying ISA?
Hi there, I currently own an ISA with Halifax which pays interest gross, and since I will be going to University in September this will be pretty much useless as all the money will be leaving the ISA at this point. I was wondering whether there were any good ISA's out there which pay the interest monthly so I'll be able to…
-
daft stocks and shares question
We have had various isa wrapped funds for several years and I am reviewing them. Although we have never taken any income, the number of units or shares have not increased......so what happened to the dividends/growth? I can't believe I don't know this - but I don't!
-
Best Barclays ISA?
Hi, Is this likely to be the best ISA we see from Barclays this season (13/14)? I'm talking about the Instant Cash ISA – Issue 1. Thanks!
-
Santander ISA Incorrect Date
Hi, first posting so please no flaming!!! Last Friday (5th April) at about 8:15pm my wife electronically transferred £2,000 from her Llyods account into her Santander ISA account, when she checked online it showed the money in her ISA account with the date as 5th April. At about 9:15pm she transferred £1,000 from her…
