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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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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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Zopa mistake
I thought I'd let you forum people know, in case you didn't already, that Zopa have made a mistake and they have informed HMRC of people's ISA interest as though it was taxable interest. They have informed HMRC that they have made this error and HMRC have confirmed to them that they will correct the error on people tax…
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
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NatWest cash ISA guidance weirdness
Hi all, I have a NatWest cash ISA from last year and after being unwell this year am only just getting around to updating my accounts for this years allowance. My NatWest ISA already has the cash ISA interest rate they're offering for this year, and when I tried to open a new cash ISA, it refused to let me open it as I…
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Transferring a Cash ISA to Hargreaves Lansdown Cash ISA
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…
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Simplifying multiple ISAs.
I currently have 2 ISAs and need advice on making them into one. The first, from 2024/2025 is with Virgin Money and turned into an Exclusive Flexi ISA 3 when the one year fix ended. The second, for 2025/2026, is a Nationwide FRCISA 1 year which ends on the 7th April 2026. My question is do I have to wait until the…
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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Trading 212 - bonuses not accepted
I used an MSE link when I opened a cash ISA with Trading 212 just weeks back. After the account had been opened for just a short time I realised that they were *not* paying the bonus stated in the MSE letter. I queried this with T212 and they told me that I opened the account while no bonuses were on offer - despite using…
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Moving £45k into a Stocks & Shares LISA - How Would You Invest It?
Hi! I had originally planned to use my cash Lifetime ISA for a property deposit, but it's now likely I’ll be inheriting a home and no longer eligible to use it for a property. So I’m transferring my LISA, a pot of around £45,000, to an AJ Bell Stocks & Shares LISA and will now invest it until I turn 60, in 20 years. I’m…
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(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Transferring an investment ISA to a cash ISA
I have an investment ISA and want to transfer it to a cash ISA. I wanted to open an ISA with Charter Savings Bank but they don't accept transfers from Invesment ISAs. I've had a look but can't find anyone who does - does anyone know of a company that will accept such a transfer? TIA.
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Maturing ISA transfer issue
Hi, I have a cash ISA maturing in around 2 weeks time - I've done plenty of transfers before but not come across these issues before: - the maturing ISAs I've had previously would move into an easy-access ISA if no other option were selected - this one however defaults to moving into a new 1 year fixed ISA, on a poor IR,…
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ISA's HMRC re-Investment restrictions
Hello all, I wonder if someone with experience in this field could clarify something for me; Example scenario is I have £10K in a stocks & shares ISA with Friendly bank. FY 24/25 I put in £5K, FY 25/26 I put in £5K. If I close the S&S ISA selling back the shares lets say for ease I get back exactly £10K. As I understand…
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Trading 212 Cash ISA Transfer In
The rate offered is great (a loss leader). Be aware that there are a very limited number on banks they will accept transfers from and you only find this out after going through the whole acceptance process AND having to contact an adviser through their BOT.
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Relative has a JISA and CTF!
I have a relative whose parents are seperated. One set up a CTF a few years ago and the other recently set up a JISA. They only recently discovered each other had done this. I told them I don't think they are allowed to hold and pay into both at the same time and looking into it that seems to be the case, so I am trying to…
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Signing up to UBL UK
The above are showing in the best buy fixed rate 2Y cash ISA in the MSE main site, so with a couple of fixed ISA's maturing thought would transfer funds. However, sign up is just incredibly flaky and despite having a valid password, continuously claims that the password is invalid. At which point you have no option but to…
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S&S isa … am confused
I have a £20k cash isa with Trading212. Another £20k with virgin money. I doubt either are paying much interest. I’ve started an AJ Bell S&S Isa this tax year. I would like to transfer some of my cash isa to a S&S one. Looking quickly at T212, it says it pays 4.05% on S&S isa. Why does it mention an interest rate if it’s…
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Chip ISA transfer out and reopen next tax year
Chip has always said you can never have another ISA with them once you have transferred out, which has always put me off moving from them, but I finally went for it last week in order to move it to the 4.55% HL easy access ISA. I've just had an email from them and it says: "Once the transfer out has been successfully…
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eToro Cash ISA - any experience?
Has anyone tried the eToro Cash ISA? https://www.etoro.com/investing/cash-isa/ It is currently paying 4.67% variable for 12 months (including a bonus).
