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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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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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Virgin 1 Year Fixed Rate ISA 5.05%
As the title says, Virgin Money are offering a 1 year fixed rate cash ISA with a rate of 5.05%: https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/ Seems to beat the best rate offered in the MSE newsletter?
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Cash ISA transfer
How long does it normally take to transfer a fixed cash ISA from one provider to another in people's experiences? I'm in the process of transferring. I made doubly sure both sides were aware of the transfer date weeks before the maturity date to ensure any loss of interest would be minimal. I even made sure the original…
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LISA Eligibility After Selling a Previous Property—Can I Use It for a Deposit?
Hi all, just looking for a bit of clarity. I bought a property with a residential mortgage back in 2015, but sold it in 2020. Since then, I've been renting or staying with family and friends. A mortgage advisor recently told me I could still be eligible for a first-time buyer mortgage. That got me wondering; could I also…
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Trading 212 and its 2 different interest rates (newbie bonus & transfer in)
Hi everyone Trading 212 have a newbie bonus interest rate of 4.82%, but that rate is not available for transfers in, which is 4.1%. So if you add in, say, £20k of new money at the 4.82% rate, what happens if you then transfer in an ISA balance at the 4.1%? Do you lose the bonus rate on the £20k, or does T212 deal with the…
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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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Lloyds fixed rate ISA has matured
I am getting myself confused here. My fixed rate ISA is maturing in a few weeks. I would like to use the allowance potentially to offset some of my stocks and shares from tax rather than another Cash ISA. Am I right in assuming that this years allowance has already been used up and that I cannot cash in this ISA and then…
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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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Transferring multiple old cash ISA's
My wife has a number of old cash ISA's, that are earning next to nothing. Is there a limit on how much she can transfer to a new account this year? Does the £20,000 limit refer to transfers or just new savings? Thanks for any help.
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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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transfering stock ISA from Vanguard to T212 but T212 does not have the same stock.
I'm clueless here. I have Vanguard platform FTSE global index fund of around £4.5K. I need to transfer this to Trading 212 because I don't want to pay Vanguard's fees any more. However, T212 hasn't got exactly the same Index fund - I already have an account and an S&P fund with T212. There is also a similar FTSE all world…
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Which ISA
Afternoon my daughter has just turned 18 and her junior ISA has now ended - we didnt have anything like this and im not very informed of it but as a lower income house ive saved for her since she was born and want to continue to do so. I appreciate she will have to manage it from her on but want to help her - what should…
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What advice re' Help To Buy ISA with £13K invested.
Hello, I'd appreciate a sense check on the advice I'm thinking of giving my daughter re' her H2B ISA . She is hoping to buy a house in the second half of 2026 (although nothing is certain!!), but given the current housing market its’ likely to cost more than the £250k H2B ISA limit. So it seems that her H2B ISA is actually…
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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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ISA transfer, different amount?
I’ve recently transferred an isa into a new bank account after my 1 year fixed isa ended. I decided to take out £1500 before it got moved and put into my other account as need this for other things. I then requested my new bank to take all of the amount left in my ISA and transfer to new account. I’ve had the money go in…
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Flexible ISA to Stocks and Shares ISA
If invest £x in a flexible cash ISA, at a later date within
the same tax year can I withdraw that £x and invest it in a stocks and shares
ISA with a different provider? Will that leave me with £(20,000 – x) that I can still
invest in another cash ISA with a different provider or does it have to go to the
original flexible…
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Are help to buy ISAs dead?
My daughter has a help to buy ISA with Barclays Bank. All help to buy ISA offer “Pants” interest
rates of ~2.5% compared to other ISAs of say 4.5% - 5% Furthermore the limit for a help to buy ISA house
purchase limit is stuck at 250k (450k London) The
average house price in the UK is now £270k as of 2025. So in reality the…
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Marsden cash ISA
My wife wants to move a matured cash ISA from Paragon to Marsden but the transfer form from Marsden asks for the account number of the Paragon account but does not have enough boxes for the number to be entered. Any advice would be great.
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Multiple flexible ISAs on the go to benefit from best interest rates?
Given that flex ISAs are subject to rate changes, is it good financial sense to have two or more on the go at the same time, funded by ‘old’ ISA money, so that when the rate in ‘ISA A’ increases above ‘ISA B’, I can withdraw it all from ISA B and shift it to ISA A? And conversely when ISA B’s rate overtakes ISA A, I can…
