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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 isa or s&s isa
Ive had vls 60 since january 2022 and had an average return of about 7.6% per year. Ive had £20k available since last month from a matured cash isa and i recently put £15k of it in an easy access cash isa. Now i'm wondering about the other £5K. Do i put in my s&s vls60 or just add to the easy access at 4.03%? Retired but…
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HSBC cashback offer
Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…
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Hargreaves Lansdown HL Junior Stocks & Shares ISA
Hi, I've put funds in to the above and now want to invest in ETFs for my children (1 year old and 3 years old) . My criteria is: Low fee Accumulation funds so that any returns are re-invested focus on how the fund has performed over 5 years Good georgraphic spread (not all US as many fudns are) Idealy a UK fund manager…
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Transfer from Help to buy to Lifestime ISA
I have had a Plum LISA set up for 12 months now, in addition to a H2B isa which I have been saving in. I have determined that as I am now ready to buy, it will be most beneficial for me to transfer funds from my Nationwide H2B isa into the Plum LISA. When i requested the transfer through plum directly, they said that…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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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 2026/27 tax year. **As with any financial product, before opening an…
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Santander Fixed ISA eVoucher offer
It looks like there are a few here who are familiar with the current deal. I have a hypothetical question about it. I know Santander run these kinds of offers regularly. Does anyone know roughly how long they run before they're pulled? Perhaps all of April for example, to entice a large ISA instake? Or perhaps just a…
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Santander ISA matured
My santander isa matured at the start of May. I opened a new isa online and transferred the money. They tell me that I should have 'filled out a form' with them and as I didn't, it's classed as new money. I asked for the transfer to be reversed but they they this isn't possible. Is it new money and if it is, can the…
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Tell us you cash ISA questions
Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally
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Cash ISA with instant withdrawal
Just got an email from Chip to say they are slashing their Cash ISA rate to 1.02% next month. Obviously I need to transfer it somewhere else PDQ! The reason I stuck with it is because they offer instant withdrawals to a nominated bank account which is important for me, as well as it being a Flexible ISA. I think that rules…
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Plum WITHHOLDING Government LISA Bonus
As plum is the MSE number 1 recommended LISA provider why are Plum not paying the government bonus on time or even at all? I paid in the full allowance on 6th April 2026 and I have still not received the £1000 government bonus. I have emailed them on 2nd June and I was told that payment would be paid in the first 10 days…
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Moneybox Cash ISA - rate for transfers in
The Moneybox Cash ISA is stitting pretty at the top of the MSE ISA charts for "transfers in". But what I hadn't understood (and perhaps I am still not understanding properly) is that when MSE says the rate of 4.75% includes a bonus "for newbies" this seems to mean someone who has NEVER opened a cash ISA, not just a new…
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2026/2027 trading 212 cash isa question
I’m trying to decide whether to stay with Trading 212 Cash ISA for the 2026/27 tax year or switch to Plum for the higher interest rate and new customer bonus. A bit of context: • First time using a Cash ISA last tax year • Opened and paid into a Trading 212 Cash ISA • Got the first-time/new customer bonus there which was…
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Trading 212
Hi Mse Crew Trading 212 currently shows top rate for new money cash Isa of 20K its online only … how do ya know its safe and is it FSCS protected is your money invested Thanks Mse
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5%+ ISA rates
With ISA fix interest rates currently available in excess of 4.7% and rising, do you think we’ll get back to 5%+ rates this year? I’m looking to lock away £20k using my wife’s allowance, but wondering if I should hang fire seeing as rates don’t look as if they’re going anywhere other than up at the minute. I know that no…
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Chip Cash ISA reducing from 4.13% to 1.02%
I had an email from Chip today giving me 30 days notice that the interest rate will decrease on 10 July quite dramatically. Just wondering if anyone else has had the same, or if this is only for some customers…
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Cash ISA - transfer from old provider
This discussion was created from comments split from: Is there a way to contact Martin?.
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Chip Smart Cash ISA - Beware this condition...
Just a heads-up for those thinking of opening a Chip Smart Cash ISA. It has much going for it for the first year as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…
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Spanish Shares in an ISA
I have Spanish Shares (eg Banco Santander and Telefonica) in a platform's ISA. Can I reclaim Spanish witholding tax deducted from the dividends via my Tax Return? The platform does not reclaim witholding tax (except perhaps for US shares). I know for shares not held in an ISA, you can reduce your HMRC tax bill by the…
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ISA faux pas
I opened an ISA last year with some inheritance money I received. Interest has been paid this month (yippee), but to another savings account I hold in the organisation (boo). I have looked into this and it would seem, that for whatever reason, I nominated another account for the interest to be credited. Maybe I thought…
