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Post Office ISA - Account number + Sort code?
Hi, I have opened up the 1.50% variable Post Office ISA. I have completed the transfer funds form and the transfer has been completed. I would like to add more fund to this account but I do not know what the account number and sort code is? :o :o There is an account number with 10 digits, mixture of numbers and letters? (I…
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Quick ISA question?
I have a ISA which I have been contributing throughout the year (ISA A). I also have a ISA from previous years (ISA B) . Recently I asked ISA A to be transferred to ISA B. This has now been completed. I have not paid in the full amount for this years ISA, can I make further contributions to ISA B?????
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Punjab or not Punjab????
Hi In the absence of any feedback in relation to the Punjab ISA's I thought I'd start a new thread. My Regular Saver ISA with Nationwide has now changed to the Instant ISA Saver paying 1.25%, the balance is just over £11k; the remainder of last years' allowance is in Nationwide's Flexclusive ISA at 1.5%. All previous years…
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Selv invest ISA - our experience (good and bad)!
We’ve just taken our first step into a self invest, or ‘DIY’ ISA. It hasn’t been as straightforward as we’d hoped. After some perseverance though, we’re pleased we did as we aim to take a bit more control over our financial destiny. Once you get the basics, things are less opaque or daunting than you might think. Here’s…
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Completely baffled by my ISA options
Hi, I've been overseas and only just found out about these new ISA's but I am totally baffled and hoping you guys could clarify something for me.. I have £10,000 to invest. In June 2014 I put £5,900 into a 1year Fixed Rate Cash ISA. Now, under the new rules I understand I can invest my WHOLE £10k in one cash ISA this year…
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Virgin ISA Transfer form question
I'm opening a Virgin ISA for 2015/2016. I'm transferring money in from my old, "rate-about-to-crash" Halisux ISA. On the Virgin transfer form, it has three options, two of which are a bit similar/confusing. What is the difference between these? 1. No notice required for transfer of closure 3. Carry out the transfer as soon…
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings 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, MSE Helen
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New ISA withdraw rules
Hi, I saw in the Budget that money can now be withdrawn from an ISA then later put back in without losing your total ISA allowance. Does anyone know when do these rules come into affect? Also, do these rules apply to stocks and shares ISAs? Thanks, Oliver
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Benefits of new ISA days before finishing tax year
Hi! Just got the newsletter from Martin urging to open an ISA account before the tax year finishes...everything is fine with this, but never understood what's the benefit of putting the money in an ISA 3 days before starts a new tax year. I've got around £10K sitting in my normal bank account. I'm not getting any interest…
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Shares ISAS and rolling over
Hi, I currently have a stocks and shares ISA that I use for share trading. in the new tax year I want to start using a different company for this, as they have a wider range of funds etc that I can invest in with them I'm fairly happy to leave my existing shares in the existing one, unless I can transfer for free - I…
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What to do with ISA that doesnt allow further deposits
Hello, Last year (October) I transferred my ISA money into Virgin Money Fixed until 2017 - 2.23%. I did not realise until now after trying to add this years allowance in before the deadline, , that i could only add a years allowance within 30days of opening it and then no more until it matures. Plus I lose 120days interest…
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Thinking of Coventry 2.25%
Hi all i have £5k to invest before 6th april 2015 i see that you need to keep the money in the account for 3 years to get 2% at least. what happens in 2015-16 tax year i take it i cannot transfer the coventry a/c so i just open a new ISA from 7th april 2015 ?
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Clydesdale 2 yr fixed rate isa
Hi, I've looked to see if there's been any info on the Clydesdale 2 yr fixed rate isa, but all I've seen is the 40 day notice one. The 2 yr fixed rate has 2.10%. has anyone considered this. Any pitfalls? I'm surprised there's been no mention of it.:) I'm considering opening this for the 2015/2016 year
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ISA quick question
Hi all, Going into forces and looking to open a ISA/saving account which i just pay into every month from my current account. Keen for "Newcastle Building Society Big Home Saver ISA" As i can transfer money into it every month and seems best bet . IS this good choice, and if i apply online /branch tomorrow should i put…
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MSE News: Cash ISA year ends Sunday: Get up to 2.25% tax-free interest
A loophole uncovered by MoneySavingExpert enables you to get out of paying any income tax on next year's earnings... Read the full story: Cash ISA year ends Sunday: Get up to 2.25% tax-free interest 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…
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Help to buy ISA
Does anyone in the "know" know how a first time buyer would be defined for the help to buy ISA? I do not currently own a property, but have owned property in the past (it was repo'd when I lost my job approx 15 years ago) Would I be considered a first time buyer again? Mat
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Is this right for new ISA.
I have a cash isa fixed term ending in may, i want to keep it going and transfer it to another provider. I will not be adding any new money to it. I want to open a stocks and shares ISA ( cavendish or charles stanley) next week and buy a fund to put in it, is this ok.
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Best last minute cash ISA
I know that it's very last minute but I'm wondering what the best cash isa would be for me. I've got a couple of questions that I hope you guys might be able to answer. * What provider offers the highest interest rate * If I have a fixed term isa and move it to another isa before the term is over what happens? * What's a…
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Sorry - a newbie question!
Hi all. I have read Martin's guide to ISA's but am a bit confused as what to do now the deadline is here. After saving £7000 during 2014-15, I received interest on my savings yesterday y. I appreciate that this needs to be left in to be kept tax-free to maximize benefits. As I'm not even at 50% of my £15000 allowance, can…
