-
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…
-
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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…
-
Cash ISA Transfer
I
follow the mse advice and when there is a better cash isa rate I transfer it. However,
twice this year the money has been released from the old cash isa on the
Friday and then it is credited to the new cash isa on the Monday. I
lost two days interest on both occasions. On over £300,000 this is a lot of
money (£38 per…
-
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…
-
Setting up a SS ISA on a Trading Platform
Can anyone suggest a trading platform that does not require a SMART phone to register an account? I just want to invest modest amounts each month into a SS ISA without being stung each time I pay in... Any suggestions please?
-
Multiple stocks and share isa
It is my understanding that since April 2024 ‘the rules’ allow me to have multiple stocks and shares isa. I would like to start with a lump sum then add regular monthly savings to a managed account but I have had some difficulty finding a reputable platform that will allow me two or more separate funds. I would like to…
-
Stocks and Shares ISA
I have no idea where to start with this. Although I am reading through the guides now, I have no idea where to invest my money. This money amounts to £1000 a year, of which gets paid in monthly. Can I pay this direct into the ISA account or does it have to get paid to the intermediary account and I have to manually put it…
-
Transferring Cash LISA to S&S LISA? Or S&S ISA?
I wonder if anyone has any advice on this as I am struggling to find the answers. I am age 48 and took out a cash LISA when I was 39. As a home-owner this was for retirement. I've been maxing it out and now am now down to my last 18 months of being able to contribute. I am currently getting a rate of just over 3% interest.…
-
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…
-
Why is there a 10 digit account number on the Transfer Request Form?
Cash ISA transfer from T212 to RBOS - just been sent the transfer request form to review and sign. The receiving RBOS account has a 10 digit account number that I don't recognise. Anyone know why? I have contacted T212 and RBOS to ask why my 8 digit RBOS account number is not on the form and await their replies...
-
transfer from isa to isa ...but done mannually via current account
hi all after The programme this week I opened a new ISA with Atom, with the view to transfer my existing ISA ( both cash ones) across, but Atom don't allow ISA to ISA transfer only transfer via current account. How does moving my existing ISA into my existing Current account and then into my new ISA impact me ? anyone else…
-
Flexible ISA Question
I have an instant access flexible ISA with Virgin Money. My balance at close of play on 5/4/2025 was £10,600. Between 6/4/25 and 29/5/25, I withdrew a net £1,100 and the opening balance on 30/6/2025 was £9,500. Between 6/4/25 and 29/6/25 my balance never exceeded £10,600. On 30/6/2025 I transferred £5,000 to a flexible ISA…
-
Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
-
Transfer Out Plum ISA
Has anybody successfully transferred out a Cash ISA from Plum? I initially opened an ISA with Cynergy Bank but as part of the account opening, Plum (Plum Fintech Ltd (Saveable Limited - FCA: 739214)), wasn't listed. I contacted Cynergy once the account was open, only to be told they only accept transfers from institutions…
-
Is Multiple ISAs the Best Way Forward?
Never had an ISA before as I didn't have enough cash to reach the tax threshhold. Now I have. I have six savings "pots" attached to Chase for various things. Each one saves around £1000 a year. I don't really want to change how I bank but it seems those pots, together with my current account interest will start tipping me…
-
Lump sun in Lifetime Stock & Shares ISA now or not?
Hi all, I am going to give a few thousand pounds to my daughter as a gift (with her normal savings, she would still be under the 20K limit for ISAs). This is a portion of a small inheritance I have received and whilst I don't want to give it to her with strings attached, I would like it to make a difference in her life in…
-
Wealthify S&S ISA via MSE - This offer isn't available right now !
I followed the link on MSE for Wealthify from the Managed and Robo stocks and shares ISA platforms section. However I receive This offer isn't available right now ! Is anyone else having better luck
-
HELP TO BUY ISA & LISA
Hi My son is looking to buy a house next year and has a help to buy isa & a LISA, he knows he can only use 1 of the bonus's but wants to know should he be moving the money from his H2B (he's at the max) into his LISA, leave it there just getting interest, or is there somewhere else he should move it to to get more interest?
-
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…
-
ISA changes 2027
I'm reading the latest from HMRC. Tax-free savings newsletter 19 — November 2025Published 27 November 2025 The following rules will be introduced to avoid circumvention of the lower limit for cash ISAs: * no transfers from stocks and shares and Innovative Finance ISAs to cash ISAs * tests to determine whether an investment…
-
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…
