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ISA or Poppy Saver
My wife is a non-income tax payer !! Can she convert all of her, already built up ISA allowance to save in a "normal" savings account, such as Coventry poppy saver (which she still has and presumably can still credit) - paying 1.75% Compared to 1.5% fixed cash ISA rates - when you have no access to your funds and are…
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Britannia Prime Fixed Rate Cash ISA Transfer Penalty
I decided to move my 2012/13 and 2013/14 cash isas from Britannia and, although this is not being done in year, I have been told they are deducting £150.62 as a penalty before transfer. Has anyone else had the same experience?
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New isa rule on cash/share movement
Currently when I sell investments in a stocks & shares ISA the proceeds go into a 'cash holding account' that earns virtually nothing.(Cofunds platform) In the rule changes that come into force in July, my understanding is that you'll be able to move the proceeds from ISA protected share sales into a cash ISA that actually…
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Quick question re old ISA's
Hi everyone, If I have an old Isa that is paying a low rate of interest, I understand that I can transfer it to a new provider but does that then mean that I can't get a new isa for this year? Basically, does transferring old isas effect your allowance for a new tax year?
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20k bonds or ISA?
20k bonds or ISA or half and half?
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HELP knowledge in financial advice
I have recently come into a substantial amount if money paid my mortgage off and still have over a hundred thousand left, I'm wanting to seek financial advice but the guy the bank told me to get in touch with wants to take 7% from all advice given, Is this right shouldn't it just be a fee?? Thanks
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Best £50k ISA
What is the best home for £50k in ISA's ? They appear to have placed a limit on the highest paying at £15k !! It is roughly 50:50 cash : stocks and shares
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Kingston Unity ISA - 4.25%
Hi, Kingston Unity are offering a 4.25% variable investment ISA. I've never opened an ISA for years, the rate looks better than I've seen anywhere before, any comments/help would be much appreciated. thanks.
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Move ISA to Santander 123 Current Account or new ISA or alternative ?
Hi, Following threads on here, I've opened a TSB Plus account and a Santander 123 account. From my main current account I've put £2k into the TSB and £3k into the Santander accounts and set up the required standing orders and DD to gain the interest rates. I've also got an ISA with The West Brom with just under £20K in but…
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ISA - best option if I will need access in 1.5years?
I currently have £20k in a fixed ISA, which matures in April 2015. I have enough savings to top up my £5940 allowance for this year. I will have enough savings available by around December to add the remaining £10k-ish NISA allowance. I'm looking to buy a flat in the next 18months or so when I will need access to the…
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Car insurance
I promised my grand daughter i would pay her first car insurance if she passed her driving test,this she has done but all she has got to put the money into is a debit card from i think is with the bank or royal bank of Scotland,anyhow there is a sort code on her card but no account number how can I pay the money to her…
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Confused about ISA rates - please help me understand
I currently have £21k in a Halifax ISA which has an interest rate of 2.5% gross. I want to add my £5,940 allowance and have been looking at some other ISA accounts. I'm reading the Best Cash ISAs page; I won't need to touch any of the money for about 18 months, and I already have the savings so don't need to save monthly.…
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cash and stocks and shares ISA 2014
Hi I have read all the guides but think I may be being a bit dim asking this question as I am more confused than when I started! If I was to start a new stocks and shares ISA and also a cash ISA this financial year do they both have to be with the same provider or can one be say with my bank and the other with a building…
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Santander 2.3% ISA (2yr Fixed)
I was thinking of moving my ISA I have with Nationwide to this Santander ISA (I have there 123 A/c). I haven't paid anything into my ISA this Tax year. I see lots of post regarding Nationwide 2.5% Regular ISA but little about this one. I can't transfer my old ISA funds into the Nationwide one but its seems like I can with…
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Confused
I took out a 1 year fixed ISA with Halifax in August 13, which ends August 14 when interest rate drops. Can I take out a new Isa now, and if it allows transfers in, will I be able to do this in Aug 14 from the above ISA. Thanks
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ISA or interest paying Bank account?
Hi all - could I ask for some advice/suggestions please? I currently have an ISA with the Cheshire BS which has £2.2k in it. The 2.5% interest rate drops to 0.5% in June. I've looked at other ISA's but none seem to come anywhere near 2.5% interest so I'm wondering if I'd be better off putting it into an interest paying…
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Cheshire BS 2.5% - Interest looks wrong
I opened a Cheshire BS 2.5% ISA on 11 March 2013 with a transferred balance of £12145.63. I've just had a year end statement for 31 March 2014. It doesn't show any in-year transactions, and shows a balance of £12429.31, implying they have added interest of £283.68. A year's interest at 2.5% should be £303.64, and I would…
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Santander ISA Saver internal transfers?
Trying an internal Santander transfer to my ISA Saver. Won't work. Looked at terms and conditions and said internal transfers allowed. Anyone have this trouble?
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Skipton ISA Transfer
I recently opened a 5 year fixed rate ISA with the Skipton.I also said on the application form that i wished to tranfer in an existing ISA from BM Savings giving my account number of it. The new Skipton ISA for this current year was opened swiftly and a certificate was sent to me showing the amount and it would be at 3%.…
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Basic question on multiple ISA's (S&S)
Hi All, Sorry, after much searching and reading I can't seem to find a clear and definitive answer to what I know is a very simple question... I already have cash ISA's and an S&S ISA from previous years. Currently not putting anything into the cash ISA but drip-feeding monthly payments into the S&S. I'm not using my full…
