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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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Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
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£85k FSCS cap - Risk to reward appetite!
I am currently in year 3 of a 5 year fix rate ISA deal with Shawbrook Bank where I’ve been depositing my full £20k allowance each year. I secured the 5.22% deal available at the time (in 2023/2024) which I can take advantage of each new ISA year for the fixed term period. So my question is simply about the £85k FSCS limit…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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ISA Savings account interest - Tax Return declaration required?
I was filling out the tax return, but could not find any option to declare the Interest earned from Cash ISA account? is it not required?
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Any tax due on a dealing account?
Im sure I read somewhere recently, that anyone who’s a higher-rate taxpayer (40%) and earns more than £500 in interest in a savings account is liable for tax under the PSA. Does this only apply to actual savings accounts? Im asking as i am currently maxing out my S&S ISA each year, and am adding to a dealing account where…
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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Transfer S&S ISA to more than 1 Cash ISA
I want to get out of the risk game (I've done quite well but have always disliked the risk element.) Current value of my S&S ISA is worth a couple of FSCS covered Cash ISAs so I'm wondering if there's such a thing as a "cash isa deposit platform" or am I thinking of something that doesn't (or doesn't need to) exist?
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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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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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Top Cash ISAs
Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks
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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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ISA Transfer from T212 to Shawbrook
Just wondering if anyone else managed to transfer from t212 to shawbrook, so I filled in the relevant forms and sent them to there email address, got an automated message saying would get a response within 5 working days, and its been 9 days without anything. I contacted them via the phone number and get promised a call…
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Flexible ISA Replacement Rules Confusion
I thought that withdrawal of current year funds from a flexible ISA had to be replaced from the account it had been withdrawn from. But reading the below in the new Coventry 5 Access ISA t & c I am wondering now if this is the case? Each withdrawal of Current Tax Year Subscriptions from this ISA account automatically…
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ISA With Lifetime ISA "Inside" The Main ISA
Hi, I've read that it's possible to find a platform that offers a Lifetime ISA inside a normal ISA wrapper. If such exists I'd be grateful if someone could point me towards a provider. Alternatively if they don't exist can you let me know please. Thank you Kind regards AiY
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VIDA ISA
I opened a VIDA ISA and initiated a transfer of a past years ISA to them. Unlike ZOPA where I had done the same before and I could see the progress of my request , I cannot see anywhere on VIDA that it has in fact been requested by myself. Has anyone done a transfer to VIDA and if so how could you see the progress? Thanks
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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…
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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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Chetwood Bank via Hargreaves Lansdown
Hi - I was thinking about opening the Chetwood 4.32% 1 year fixed term ISA in case rates fall further. I’d be looking to largely fund via a transfer from another ISA. HL seem to say they accept transfers in via their Stocks and Shares ISA - so fiddly, but fine - although in order to open a Cash ISA (to transfer from S&S)…
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Why has T212 only sent 20000 to my new provider?
Just transferred this years contribution to Shawbrook and T212 have only sent 20k without the interest. The interest is still in my T212 account. how do I get that transferred as well? I requested a full transfer.
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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…
