ISAs & tax-free savings

Are you planning to use your Lifetime ISA (LISA) towards your first home? Have you used one already, or tried to? We’d like to hear about your experience.Got a second-hand story about a friend or relative using a LISA? We'd love to hear that too. Or better yet, ask them to register for a Forum account and post about it…

💷 Forum threads on this topic which you may find useful: * Tax Free Savings Guide Discussion Area * Lifetime ISA Discussion Area * Help to Buy ISA Discussion Area * Stocks & Shares ISAs Discussion Area * Cash ISAs: The Best Currently Available List * Transfer Cash ISAs Discussion Area 💰Helpful content from…

Hello- I'm still working and would like to find the best way to save monthly - I'm looking at £2000 a month for two years? I retire in Jan 2029 and want to try and get the best rate, easily (hopefully be able to pay by direct debit from my savings account directly each month) and with zero risk? All help greatly…

Wonderful Santander offer , 1 year fix 4.65% and if you transfer from another provider you get £200 hotel voucher. Has anyone tried to transfer from Trading212 cash isa? Also it says full transfer only. Does anyone know if it closes existing T212 cash isa account? I dont want to close

Just want to enquire if anyone else is having login problems with there iWeb now Scottish Widows account. Every time I log in there are issues and I need to reset my credentials. I have tried the app and website - always coming up with unrecognised/incorrect login details - you reset them - the same thing happens. This has…

Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally

I’ve just switched my sons savings account to a stocks and shares isa with HL. I’m finding the platform slightly confusing in comparison to T212 which i have my own isa on. I just want to invest his money in something safe like the FTSE all world, but there are that many versions of it on HL I’m at a loss. Asides from the…

Transferred £50k from virgin money to Halifax bank ( now Lloyds ) in may when fix finished . Halifax said I would receive £300 for this transfer by September 30th . Today as of ten minutes ago I have received nothing after following all guidelines . Anyone else got this problem . Obviously I am going to be in touch…

The rate specified on the MSE page: https://www.moneysavingexpert.com/savings/best-cash-isa/ Has been reduced by Trading 212 and using MSE code you now only get 4.6%

Cash ISAs: The Best Currently Available List **Please note: The list of ISAs I have compiled below is continually updated. New ISAs are added as they launch and withdrawn ISAs will be removed from the list. ** The current Cash ISA limit is £20,000 for the 2026/27 tax year. **As with any financial product, before opening an…

************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…

As above, one of my ISA's has matured - it has a decent amount of money in it - buy a new, German car, mid range. 1 year fix at Barlays for my type of account is 4.8% or close to it. I and my OH have a few other ISA's with them and aware of the FSCS limits. I'm certain saving rates will go up but the BoE interest rate…

Not sure what's going on at Vanguard, but thought I'd share……

Virgin Money has a new 1Y FR ISA 708 4.77% and I recently opened the 707 4.73% about a week ago. Is it possible to upgrade to the newest one 708 without any withdrawal penalty? What is the process? Do I need to contact Virgin Money Customer Service or can I just open the latest issue and start a transfer?

Hello, Captain Stupid here. The most basic question, as I'm confused. If I put £20,000 into an ISA in March 2026 and then put £20,000 in April 2026, does the tax free component apply to both deposits or only one? I.e. can I only get tax relief on up to £20,000 total in any one year. Apologies for the simplicity of the…

Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…

Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…

I have a Halifax Instant ISA paying a rubbish rate that I am looking to change. My basic understanding was that I would need to transfer to a new provider. However when I log in, there is the option to Renew, and lists with various ISA options including a fixed term I am happy with. As far as I can tell, renewing would…

I have the Virgin defined access cash e-isa issue 35. And in a flummox over it. I (wrongly it seems) thought it was a one year term. So I was waiting for the supposed maturity to arrive so I could transfer part of it elsewhere to another ISA. There is no maturity, (and it's non-flexible, although you're allowed 3…

Hello. I have a question about interest earned on a cash ISA. I opened a cash ISA with Coventry BS in September 2024 £20000 was deposited. I elected to have my interest paid monthly directly into my Lloyds current account rather than let it mount up. I have just found out that the interest I have received over the last 5…

If you're looking to open a junior ISA (JISA) for your child, first check whether they have a forgotten Child Trust Fund (CTF). Around 1.7 million CTF accounts were set up automatically, meaning it can be easy to double up. One MoneySaver who thought he was doing the right thing investing for his kid in an ISA has a…

I have a mix of several private pensions, which I consolidated into 2 main pots…. Putting these with 2 wealth management companies. I have not taken the 25% tax free sum. I have State pension … and 2 final salary pensions which are paying out. In a recent discussion it was mentioned that it’s far better to put £20k per…