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We want to hear about your Lifetime ISA (LISA) experiences
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…
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ISAs & Tax-free Savings Sticky
💷 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…
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Stocks and shares ISA transfer live overseas
Hello everyone I’m new so please forgive me if I make any errors. My child has an old child trust fund in cash and I have a cash ISA returning a very poor rate. Is anyone aware of a stocks and shares ISA that we can transfer to? I have a stocks and share ISA I could maybe transfer mine into but can’t find anywhere for the…
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Virgin Fixed ISA terms depend on your sort code
May be useful for some - easily missed I think. If your isa has sort code starting 08 you have 30 days to pay in but sort codes starting 05 or 82 only 14 days
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Matured Isa and cash Isa
I have a Isa with previous years subscriptions maturing shortly. I have a cash Isa with a different provider for THIS years subscription, and have used all of my 20,000 allowance. My plan was to open a new isa for the transfer in of maturing Isa with the same provider that holds it now. Reading the small print they will…
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Transferring from a Non-Flexible ISA to a Flexible ISA
I have a Virgin fixed-rate ISA maturing at the end of this month. I've not had any comms from Virgin yet on the options at maturity, but it looks like they don't (currently) provide any Flexible ISAs. I need access to these funds for a period of time later this year. If I transfer the ISA to a new or existing flexible ISA…
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Cash ISAs: The Best Currently Available List
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 2025/26 tax year. **As with any financial product, before opening an…
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Moneybox Cash ISA interest due
I just opened a Moneybox Cash ISA account and the transfer in from another Cash ISA account was completed the same day. However a day later, the 'interest due' and 'today's interest' still appears as £0. Do you know why that is? I thought they showed you interest accrued on a daily basis even if thst interest hasn't been…
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Stocks & Shares ISA selling unit trusts, buying ETFs - advice please
I have recently transferred my ISA from a long standing broker to IWeb to reduce my fees, I also want to sell my current portfolio of a dozen unit trusts and purchase fewer ETFs. This will simply my portfolio. I thought I would be able to sell and buy on the same day and therefore not be exposed to potential crash in the…
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Trading 212 Sort Code
What is the Trading 212 sort code? I wish to transfer to another provider but I cannot proceed until I get the sort code.
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Tembo ISA - Transfer/Allowance confusion
I recently opened a Tembo Easy Access ISA, made a deposit and also arranged for a transfer from a previous provider (NS&I). The transfer was worth approx £3.3k. I now see that my "used allowance" in Tembo is equal to my deposit plus £1100, and I don't understand where this £1100 usage has come from. Seems too much of a…
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Maturing ISA Questions - Tax charged on interested earned when moved to another account
Hello folks, Hubby and I each put £20k into fixed-rate cashISAs last year which have now matured. We want to transfer the £20k into different ISAs with better rates for this year, and access the interest we have earned on it. I have two main related issues I would love some clarity on. 1) The longer-term implications of…
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Plum ISA - confused about interest
I opened a PLUM ISA on April 07th at a preferential rate of 5.92% for three months on the advice of MSE, with a note in the diary to ditch and switch after the increased rate expired. However, I've just logged in to see how things are looking there, and have discovered that: * The interest accrued is only about £80 for two…
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Transferring to Hargreaves Lansdown, experiences sought.
Based on previous experiences, this could be quite a long post but without going into all the details of why I strongly hesitate to transfer anything to HL, I would like to ask if anyone has gone through the process of transferring a cash ISA to HL. As it stands, it can be started on their portal but partial transfers…
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Leaving HSBC's ISA platform
After many years, with a house value amount of cash in their ISA wrapped Global Investment Centre in various funds,. I'm off. We have funds and bits of pensions in many comparable places and I don't keep a running record separately of what I've moved between funds on a platform, in say a diary. I expect to find out what's…
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If I add another £20k to my existing ISA account do I not pay tax on £40k ? Il
I am reading conflicting information about this, I am wondering if I keep adding to my existing isa will I not need to pay tax on any of this money? It seems too good to be true .!
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Cash ISA transfers - Tembo to Charter
I am currently transferring a Cash ISA from Tembo Money to Charter Savings Bank. I know I have to send an ISA transfer form in the post. What transfer time periods have been experienced?
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Transfer from Tembo cash isa to Shawbrook fixed isa
I have initiated a switch Transfer from Tembo cash isa to Shawbrook fixed isa have given Shawbrook the acc- reference number as Tembo don’t use sort codes and account numbers. Also Tembo will have to be switched from from manually as they are not on Shawbrooks list. I have filled out the transfer forms and emailed back to…
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Help to buy isa - failure to purchase form
I am having to reopen my help to buy isa due to not completing in time, I have advised my solicitor of what to do. Has anyone else had to do this before? I am worried about the time it will take and then we will need to close it down again soon! For reference, it is with Barclays
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Difficulty transferring out of a Moneybox cash ISA
Following the information on MSE's website I opened an easy access ISA with Moneybox a few months ago but now want to transfer it because interest rate has dropped. However, the websites for other banks/building societies do not acccept anything from Moneybox. Has anyone found how to transfer a Moneybox ISA to another…
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Virgin Money ISA closue
A few years ago, I opened a VM ISA. By the time it was actually set up, the rates had changed and I decided not to move the money. The account has never had a transaction and has a £0 balance. Recently, I tried to pay into it but was told it was no longer available. So I asked for it to be closed. VM’s reply? They can’t…
