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H2B ISA almost done next steps advice?
Hi all, Firstly hope you are all well at these testing times and I apologise for what will seem like a somewhat clueless post but I am one of those people that just works and puts money in the bank and I know I need to get better so any and all advice is welcome. I am 4-6 payments away from the point where I will end up…
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CYNERGY BANK - PLEASE HELP!
I am also have major problems with the awful Cynergy bank and their dreadfully terrible authenticator App. It has some major flaws and therefore because I cannot access my savings account, I have no other choice but to close the account. I have sent am email them asking for account closure and funds transfer with immediate…
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Opened H2B ISA in November 2019, can I open cash LISA now?
I opened a H2B ISA before the deadline in November, I have now opened an cash LISA account with Moneybox and put £1 into it, earlier today I received a generic email from my bank stating one cannot open multiple ISAs in the same year. What will happen to my LISA now? Can I close it and reopen again next tax year? Thanks
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ISA Info
Hi I recently opened stocks and shares ISA. I haven't used it yet. Does any money I pay into the account have to be invested in stocks by 5th April or do I just have to pay my allowance into the account and then choose my shares after 5th April. Just thinking this will give me more time to chose. Can't seem to find the…
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ISA Matured Funds
I have an ISA Matured Funds account that ISA funds were automatically transferred into by the building society when the ISA matured. The ISA matured some time ago. Can these ISA Mature Funds be transferred into another ISA in the same way the ISA itself could have been transferred? And can I then still use this year's ISA…
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LISA Cash or Stocks and Shares
Hi all, I have a stocks and shares ISA and i want to set up a LISA. I cant find the info anywhere but will i be allowed to set up a Lifetime Stocks and Shares ISA or because i already have a general stocks and shares ISA, will i need to open a Lifetime Cash ISA instead?
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LISA from Cash to Investment?
Hello, I currently hold a cash lifetime ISA that I max out every financial year, with the current economic situation and the stock market crash, would it be worth transfering this into an investment LISA to benefit from the "discounted" stock prices?
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Advice
My dad would like to pay a one off lump sum of £5k into an account for my 14 year old. I had thought ISA but advice would be appreciated He already has an RBS general savings account, and N&I savings. We are based in Scotland - not that it makes any difference but thought it would be useful to know. Thanks
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Finding my old ISA’s
I have taken out ISAs for a number of years and I have transferred some to better rates. However, my records are a little muddled and I’m not sure what I actually hold. Is there a site where I can find all my ISAs which may be with different companies/banks etc?
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ISA remaining allowance
Hi, why is my remaining allowance £29,514.00 for this year. I had a full isa with my bank in 2016 and took another in £20000 in 2017 I have since then taken money out and put it back in, it is an instant cash isa, at the moment there is £11000 in. I thought that once a year was up that was it, so you lost that years…
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Money box stocks & shares LISA
Switching funds? I can't find an answer on the Money box app or website: if I invest in their "adventurous" fund can I switch to the balanced in a few years time?
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Virgin Money
Intending to transfer my ISA to Virgin Money in the next few weeks. Any reason why I shouldn't do this?
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Cash ISA rule check please
I have just put my max allowance into a Ford Money 1yr fixed cash ISA and sent in ISA Transfer forms for three old cash ISAs now earning next to no interest. I have just had a call from FM (on the last day to be able to transfer in, so too late) and informed that 1 form was invalid due to DOB having a 9 instead of a 0 :( .…
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LISA and interest rate
Hi all, apologies if this is a repeated asked and answered topic but being that we’re nearly at the end of the financial year and full deposits need to be made for LISA’s, are we still getting the full 25% bonus from the government. Just thought of the dropped interest rates and I understand this affects the interest rate…
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Multiple ISAs
I currently have a help to buy ISA with Santander, which has an interest rate of 2.25%, which I opened in November 2016. I currently deposit £200 p/m into this ISA. Can I open another cash ISA and use my £20k allowance on top of this?
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3 months with Ratesetter ISA... not sure it's been worth it?
I opened an ISA account just over 3 months ago (the offer of putting £1000 in and getting some cash back down the line, can't remember exactly how much). I went for the max product (4%) and have set my 'going rate' for reinvestment at between that and 5% over the 3 months (currently set at 4.5%). However, my total money…
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Bonus query for MoneyBox Cash LISA
The MSE Guide on LISAs and MoneyBox LISA product details state "The bonus is paid monthly (if you've contributed that month) and takes between four and nine weeks to arrive." / "The government bonus will be paid monthly into your Cash Lifetime ISA". I opened this account at the start of February with £4k and have just…
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Stocks & Shares Paper-Free Providers
I'm interested in finding out about providers of stocks and shares ISAs that are online only? Two most important things to me when choosing a provider are one that has an end-to-end paper-free process - whether that's online, app, telephone, or some combination, and one that has a low fees. I opened (and subsequently…
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Gifting money to under 18 years
My daughters nan is looking to gift her £30000 which she just inherited herself. Will there be anymore tax added to this?
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Stocks & Shares ISA - Sell and Buy Question
Hello, I was wondering if you make a profit in a stock (through S&S ISA) am I able to sell and buy another stock or buy back the same stock for the same monetary value I sold? Or do I need to withdraw? For example (all under S&S ISA): Buy £5k in Easyjet. Sell £15k from Easyjet. Rebuy £15k worth of Easyjet stock. I’m asking…
