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Cash ISA Newbie!
Hi all, So I've read the ISA guide and I'm still completely clueless as to how to go about deciding which ISA I should get. I'm looking to put £200 into it monthly and really just want the best deal I can get out of it. Are there any easily recommended UK cash ISA's that I should be looking at, for someone who doesn't know…
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How much to lump sum to Ss isa?
Hi I have a 1k saved from a Ss isa where I was putting in 50 pcm but people said my ifa fees were not worth it and to build up a lump sum. How much lump sum should I build up? Or open a diy passive product like vls and continue my 50pcm investment? Best
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15k nationwide isa
I have 15k in an old nationwide isa paying 1.5% I haven't opened another isa Thinking of opening the 2.5% isa but they don't accept transfers and ill only be saving 100-250 a month Should I continue to open a new account or wait til a decent transfer account comes up so I can transfer the 15k and gain interest on the whole…
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Santander (Rory McIlroy) 4% ISA
I got this 2 years ago and it's expiring. Any ideas where to put the money now? I've not used this years allowance at all and don't think I will given the poor rates on ISAs. Anyway! My MAIN question follows... In year 2 I got > £200 in interest (4.1% on the balance) but in year 1 I only got £3.70!? How can this be????
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Joint ISA + A Personal One?
Hi all, We have a Joint ISA (set up officially with both my name and the wife as holders) this tax year. What's the deal with setting up our own personal ISA's should we manage to fill that one and have extra to save? Because we have 'both' subscribed to an ISA this year will we be breaking the rules setting up a personal…
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Halifax ISA transfer shambles
I requested the transfer of an ISA from the Halifax to a local Building Society in Yorkshire. There was a slight mistake made on the transfer form by the new provider which the Halifax thought was strange but even though they had my contact details, they decided to do nothing about it. Consequently the Halifax charged me…
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2 S&S ISAs
If I opened an S&S ISA last financial year and then open a new S&S ISA this financial year can I still put money into both of accounts this year so long as the combined amount I put in doesn't exceed this years limit? Thanks guys.
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ISA Rates are getting pathetic - How to Maximise Annual Return for a tax free person
Tax free meaning yearly earnings under <£10K or whatever it is. So i saw posted that 1 Nationwide Flex account Plus 2 TSB accounts then funnelled into an ISA in march 2015 is the best way to go. My Stats: Held ISA 2011-Now 7K in ISA right now (i got bait n switched into a 5 year no additions deal, dont ask) Haven't used…
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Do I stay with ISA or move - don't understand maths
Hi, My problem is that I struggle to work out how much I will earn in my ISA at the end of the year and whether it is better to switch. Some facts about my current ISA: * I have £11800 in a cash ISA which is at a rate of 1.79. * I have been told that this ISA will not become a 15k ISA. * This is a high rate and is because…
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Help with choosing ISA platform
I have made some cut backs and I can save around 700-800ppm, which I want to invest in a stocks and shares ISA for the long term. I plan to invest it in the HSBC FTSE all-share fund. I cannot decide however, which platform it would be best to invest this money. I currently have an account with tddirectinvesting, so this…
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ISAs questions I don't get
Hi all, Been saving hard for a while and looking to protect my money. I get the fact that a ISA can give you decent interest rate however I have three questions: 1. If an ISA was 3% AER and I put in £100 for the whole 2014/2015 year thoeretically I would get paid out £3 interest in April 2015 and then that £103 total would…
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Nationwide ISAs
I opened a Nationwide regular saver ISA in April and have so far paid in £1750. This ISA doesn't accept transfers. I noticed over the weekend that there is a Flexclusive ISA paying 1.75% which will accept transfers. However you have to open it with at least £1. I messaged them to ask if the transfer in of another ISA could…
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Why upgrade to Santander Direct Saver from FRISA?
I've got a FRISA maturing on 1st July with Santander paying 4% interest but they are offering a Direct Saver ISA paying 1.7% interest which I am eligible to upgrade to within 28 days of maturity. I am just wondering why would anyone want to do this, given the lower rate of interest offered? Am I missing something?
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Julian Hodge Bank
I am unsure which fixed rate cash ISA to go for...Does anyone know whether the Julian Hodge Bank fixed rate cash ISA at 3% over 5 yrs is a recommended option, or if Leeds Building Society at 2.85% is a better choice? Thanks!
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Multiple ISAs in a year
Hi all, I'm aware of the (current) maximum £5,940 per year deposit limit, and the limit to only subscribe to one cash ISA in each year. I have just opened a new ISA and requested a transfer from an old ISA into this and I believe this counts as my subscription for this year however I haven't put any cash into an ISA this…
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Two ISAs?
I currently have 18K in Santander ISA Saver (1.2%) and have 3.5K in my rubbish Natwest current account waiting to be transferred (well have 4.5K but leaving 1K aside for holiday this year!) What would be the best option? 1- Transfer the full 3.5K immediately to Santander current ISA and continue to contribute every month…
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wrong info given by MSE
Having seen the nationwide 2.50 regular saver Isa on MSE I went into Nationwide only to be told that you cannot put lump sum into this Isa but you have to put money in regular and you cannot put the extra up to £15,000 from July..i queried this with Nationwide and they told me if this info is not on their website then they…
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Another New ISA/ NISA question !
Sorry if this is a repeat.....!! I have not opened a 14/15 ISA yet as i have a question. If i open a 'normal' S&S ISA, and the new NISA limits come in, do i have to keep the 'cash isa' with the same provider ?? For instance, i open an isa with Charles stanley direct, but when the new NISA come out, their cash interest rate…
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Discharged Bankrupt and Savings
Hi I was discharged from Bankruptcy 4 years ago and currently bank with the Co-Op. I have recently made redundant and I have around £20k sitting in my bank account and wondered if my previous poor financial status would prevent me from opening savings accounts? I am looking at cash ISA's and fixed bond accounts (or should…
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Santander Cash ISA 2 year fix address
Hi everyone, My Santander Major Cash ISA (2 year fix) is maturing on the 1st June and I would like to transfer it to Skipton 5 year fix. Would anyone happen to know Santander address that I need to fill in into the transfer form? I tried calling Santander but their phone system is bunged :( Many many thanks to everyone if…
