-
Multiple ISA query use?
OK. So I've had ISA's for a number of years and opened one last tax year. I have 2 Cash ISA's and 1 stocks and shares. This tax year I've made a withdrawl from one cash ISA but credited none. Can I transfer all of one Cash ISA into a new one I am planning to open this year? Thanks in advance for your responses.
-
ISA Transfers - Advice Please
I have the maximum amount in last year's ISA and so understand I am free to utilise the current 2015/16 allowance. However, I wish to transfer the full amount in my current 2014/15 ISA to another account offering slightly more interest (I understand I have to adhere to ISA transfer rules etc.). My question is:- if I…
-
Holding Junior and Adult Cash ISA in same tax year
Have tried searching for this but was unable to find the answer. I know that a 16 year old can have a Junior and Adult Cash ISA and that the Junior ISA can only be with 1 provider, no matter how many years savings are in it. Does the adult ISA have to be with the same provider as the Junior ISA?
-
Renewing an ISA and Help To Buy ISA
Official MSE Insert: You may also find our fully researched Help to Buy ISA guide helpful. Back to the original post... Hello, I have an instant cash ISA with Halifax, they have sent me a letter saying that the rate would now be 0.5% tax free/AER But I could get a better rate by renewing it:…
-
Coventry ISA question
Hi All, I opened a Coventry ISA at 2,25%, and only now have I noticed the terms say you have to make the intial and then all deposits within 14 days of opening the account (which I am still inside). So this means I can only put money into the account for 14 days? I had planned to drip feed what I could out of my salary…
-
Is the cash ISA dead?
Hi! This is the discussion thread for the Is the Cash ISA dead? guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks,
-
£20k in old Santander ISA - transfer to Santander123?
I have £20k in an old (just expired) Santander ISA. I also have a Santander 123 Current Account. I am a higher-rate taxpayer. Am I right in thinking the best thing would be to just move that £20k to the 123 current account, which gets 3% (1.8% after tax)?
-
Cash ISA transfer & Help to buy ISA
Official MSE Insert: You may also find our fully researched Help to Buy ISA guide helpful. Back to the original post... The rate of my Cash ISA (Halifax) was lowered for the current tax year and I'm looking to transfer for a better rate. I'd also like to open a Help to buy ISA later in the year. Can I transfer my Cash ISA…
-
Help! NFU Mutual / JISA
Hi, I called NFU mutual today to see whether there was a charge to transfer DD1's CTF to a jisa and they have told me I cant transfer - I need to cash in the policy (losing money) Is this correct? Thanks!
-
Need a bit of guidance, to see if I am doing/understand this right
Hiya guys and gals, Been a lurker for years using all your bountiful knowledge haha So I currently have an Instant Access cash ISA (from 14-15) that is up for transferring this month because the rate is going to plummet. I am quite interested in trying out the Stocks and Shares ISA, I've always wanted to try and only now…
-
Skipton ISA transfer in experience
Has anybody done a transfer into a Skipton ISA? I signed up to the Limited Edition last week. I tried doing the transfer online several times over 4 days, the 2 step process where you select bank, account, sort code and then answer 2 yes/no questions. After clicking the submit button, I always get an error, saying it may…
-
S&S Fund selling question
Ok so i put the full 15k allowance into last years S&S ISA and invested the whole lot in a load of funds. Now, if someone is constantly selling and re-buying funds with the 15,000 allowance and making profit, is it still all tax-free? What i'm trying to say is if you have a fund that you paid 1,000 into and its now worth…
-
Regular saver ISA @ 2% vs Flexclusive ISA @ 1.5%
Apologies if this is a stupid question/has been asked before but.. This is about Nationwide ISAs as even the fixed ones aren't that much better and include a penalty. If I put into a regular saver ISA at lets say the max of £1270 pcm as an example, And I get 2%, this is the equivelent of getting 1% on £7620 over the year.…
-
NS&I Online
If like me you have an existing NS&I Savings Certificate which doesn't show up on line, don't panic. This may be because in their infinite wisdom NS&I decided not to make investments pre 20 September 2012 visible online. Do not make the mistake of withdrawing the balance to close account online. The system accepts your…
-
Isa and shares - Dont understand - Newbie!
Hi All, Wonder if someone can help me, first of all sorry I am a complete newbie when it comes to ISAs, despite being nearly 40 I've never had one... dont shout, we all need a light bulb moment just some of us take longer :) To give the outline of my situation, I have some cash savings, very little, less that 1k in an M&S…
-
ISA Advice required...
Hi, First post ever! Just joined. Just looking for some friendly advice from similar savers. My wife and I each have eISA's with Natwest. Her's has approx £13K in it, mine has £6K. We also have a further £8K to add to either (doesn't matter whose ISA we add it to as far as we're concerned) since recently selling my car. We…
-
Old iSA to S&S advice please
Hi, I've never invested money before so could someone please be so kind as to cast an eye over this to make sure i have it right. I know nothing about stocks and shares investments so am taking a cautious approach and will probably not meddle once its all set up. I have two Halifax ISA's that have just matured. One for…
-
Help me choose- Al Rayan, Danske, Skipton, Nationwide, ?
Hello, I seek your opinion on choosing a provider to combine my cash ISA. Before we begin, I have read the main articles and threads on this site so have narrowed down the list. Please do not question why I'm investing in a cash ISA, whether I'm aware of high rate current accounts, etc. I know these are asked to…
-
Transfer ISA and create a new one
Hi, I currently have a ISA at Lloyds Bank. I would like to transfer this ISA to Leeds BS on their 2 year fixed rate ISA at 2.1% Would a transfer, if I haven't made any deposits this year limit me from creating a new ISA again at another bank? I would like to setup another Cash ISA at Lloyds what I can pay into each month…
-
question for the pros
Hi all Just wanted to ask a question to clear up a few things, apologies for it sounding very simple. I opened a 1 year fixed rate ISA last July, so the interest will be added this July. However I can open a new ISA with a different provider this tax year right. So if I open a regular cash ISA with the max amount say,…
