-
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…
-
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…
-
Partial transfer from current tax year
Principality turned down a request for a partial transfer on the grounds that all the subscriptions where made in this tax year even when there was ISA transfers in from previous tax years included in the subscriptions Your thoughts please
-
Looking for cash ISA provider
I've got a sum of money in my Nationwide Building Society cash ISA but it pays peanuts. So I want to move it to one paying better interest and I'm "asking the audience" for recommendations. Have searched Google, MSE and MoneySuperMarket, can't find anything suitable, but I'll revisit any suggestions. Criteria: * Instant…
-
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…
-
ISA transfer question
I hear alot of people saying you should never withdraw your money from a cash ISA - you should transfer your funds so that they maintain their tax-free status. I understand that makes sense if you have more than £20,000 in it, but if you have less than that, does it make any difference whether you do a transfer or just…
-
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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…
-
HMRC will stop cash-like investments in S&S ISAs
Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…
-
Junior ISA annual maintenance fee
I pay £50 per month to Scottish friendly JISA for my LO. It started taking £7-£8 per month as maintenance fee from last year. The fund is sitting at 7k. Is there anywhere I can transfer JISA with less maintenance fee. When I started the direct debit there was no mention of maintenance fee. No idea when this was introduced…
-
Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application?
Hi, So in nutshell I have a maxed out isa with Tembo at 4.1% I'm sure its likely about to drop in light of todays news, so looking at putting into a fixed. Is it convert the existing Cash ISA into the Fixed at 4.3%? Or do I need to apply for a Fixed ISA first, and then fill in transfer details in the same way I would to an…
-
Transferring an ISA from a notice ISA account
I asked for the transfer to be made after the notice period. Does the receiving provider give this notice to the original provider? Never transferred from a notice account before. Thanks
-
HSBC GIC -> Cash ISA online application?
I am looking to transfer some uninvested funds from HSBC GIC S&S ISA into a cash ISA. It is a bit painful experience so I try to do it not more than once a year. Are there any providers that would accept online application for this transfer? I have previously tried Virgin (had to chase it for 2 months) and Yorkshire…
-
Cash ISA query
Hi all, Currwently have a Cash ISA which allows me to withdraw money 6 times a year and put back. The rate is now dropping to 3.25%. I see another account with same provider for 3.7%, dropping soon to 3.6% which allows 6 withdrawals also. Similar there is another one with another provider paying just over 4% with unlimited…
-
Is it normal to get no notification from the outgoing bank when transferring an ISA?
In the last couple of years I've transferred my ISA twice and both times I've received no notification of the transfer from the outgoing bank before it happens. The first time Virgin Money sent me a letter several weeks after the money had already left their account. The second time the money has already been received at…
-
Closing Help to Buy ISA / Opening LISA
I currently have a historic Help to Buy ISA with Halifax that has reached the maximum limit for Government bonus. I'm not planning on purchasing a home within the next three years, and therefore want to close it and move it to a LISA to further save before buying for a home. Given that I can only transfer £4000 a year…
-
A question about savings (ISA and other)
Hi all. I am looking at my savings options and had a few questions please. ISA - are they cumulative? I.e. every year I can put in the max amount on top of previous years? So first year would be £20k, next year another £20k which means that in 2 years I would have £40k getting tax free interest? Savings - every year I can…
-
The IWeb chatbot is completely useless
I’m trying to chat with a real person at IWeb about my ISA. I start with the chatbot which asks me what the problem is and then I have to tell it my personal details (no idea why it does that as I’m already logged in). It then transfers me to a human. The human asks me a question, which the chatbot has already asked. Why?…
-
TANDEM Instant Access Cash ISA paying 4% including top up bonus
Hi In case it hasn't been mentioned before I have just seen Tandem have this flexible Instant Access ISA accepting transfers in too. Can open a portfolio ISA with them mixing instant access and FR Isas.
-
Anyway to move shares from Freetrade to a S&S LISA
Hi, I have a few shares with Freetrade, I’m considering opening a Lisa either cash or if I can a s&s and move my current shares into it. Is there anyway of doing this? Some of the shares I own I bought really cheaply and they have done exceedingly well so I’m reluctant to get rid after buying so low. Any help would be…
-
On line form issue.
All comments gratefully received. I am attempting to open an on line ISA with Hampshire Trust Bank but am having problems with their on-line form. I wish to fund this ISA by transferring funds from another provider. The issue is that the account number of the funding provider has letters in it as well as numbers eg.…
-
Any experience of Teachers Building Society or Harpenden?
I need to transfer my Cash ISA and Teachers Building Society and Harpenden Building Society both have good rates. Can anyone recommend either?
-
2025 ISA
Hi All looking for a wee bit of advice. My partner took out an ISA last April , at the moment there is about £10000 in it, she is aware that she can have an allowance of up to £20,000 . With having to sell her fathers home at some point over the next few months, can she top this one up with another £10000 at any point or…
