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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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Chip ISA 'no transfers in'
Hello, I am considering opening a Chip ISA. What does 'no transfers in' mean?
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Confused - ISAs - One of the Banks talking nonsense it seems :/
Hi, Just spoke to two banks and received contradictory information. Google cannot confirm what I was told by one of the banks: If you have a Help to buy ISA with a specific UK bank Then the Cash/Fixed deposit ISA has to be with the '‘same’ bank to cover the remaining allowance Why can’t we do this with some other bank…
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Coventry ISA maturity options - disappointing - move to virgin ?
I received my email today stating my ISA maturity options this month. Pretty disappointed really. 1yr fix 5.3% 2yr fix 5.35% 3yr fix 5.0%. The only one I might consider is the 2yr as its not too far off the best rate but I think Coventry are going to lose a fair amount of money in the coming weeks. Its a shame as I do…
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Cash ISA to S&S ISA Transfer in
Hi guys, Just wondering if transfer ins allow more than the annual £20K limit? TIA
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More than 1 ISA question
I have 1 year fixed rate cash ISA opened April 23. I ‘upgraded’ it last week to keep money/interest in for further year and held interest rate. My question - am I able to open another ISA in May 24 now with Max allowance or does my ‘upgraded’ one from 2023 tax year count as a new one as it was upgraded after new tax year…
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Why do Stocks and shares ISA transfers take so long?
I've been moving old Stocks and Shares ISAs into cash ISAs. On average it takes 6-8 weeks to complete the process. Why, in this electronic transfer era, does it take so long? The 'industry standard' is 30 working days. Why are these providers allowed so much time?
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Plum feedback, how can you transfer in from plum
Hi, can anyone give feedback on Plum Cash ISA? There are no bank account details. How can I fill the transfer-in form from Plum transfer to another provider? Is that easy to withdraw? I am kind of doubt about continuing to use IT. Thanks
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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 2024/25 tax year. **As with any financial product, before opening an…
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Metro Bank 1 Year Fixed Rate ISA
I opened a fixed rate ISA with Metro Bank last November via an ISA transfer which is due to mature this coming November. I’ve had fixed rate products before but not an ISA so was surprised to see interest paid on 5th April as I was expecting all of the interest to show up at the end of the 12 month term. That’s not an…
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Cynergy Bank ISA disappointment
This discussion was created from comments split from: Forum Home Page.
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Recommendation for easy-access cash ISA Provider (Rate + Service)
I'm planning to open a new easy-access Cash ISA. While it's easy to find lists of the best rates, reviews of top-rated accounts like Plum and Chip reveal lots of complaints about buggy apps, difficult processes, and absent customer service. I'd rather sacrifice a bit of interest in favor of a more reliable service. What…
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Marcus ISA to ZOPA ISA
My wife & I want to increase our Marcus ISA accounts from 60k to 80k but keep it in one account with the best interest we can find, we may move in the next year so to keep it Easy access. I setup a new Zopa account & got the notification it was verified today (takes a few days) but when I went to transfer they don't…
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Virgin 1 Year Fixed Rate Cash ISA Exclusive issue 11
I have just opened the Virgin Cash ISA issue 11 with a fixed rate for 1 year of 5.25% and maturity date of 31/3/25, which at the moment is top of the 1 year fixed cash ISA tables. You need a Virgin current account. T&C`s state that no minimum is required to open and maintain this account and that you have up to 30 days…
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Mum's Barclays ISA...12 years it's been in !
My mother who's 86 has just told me she has an ISA in Barclays that's been there 12 years ( ? ). She says she's earned £108 from it. Now she might be getting the facts wrong...but they might be right. Should Barclays have contacted her and suggested a better deal if this is correct ? I've mentioned that she can take the…
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Vanguard S and S ISA Questions
Hi I currently have approx £10,500 in an 80% S and S ISA Vanguard account that I drip feed £200ish a month into. I decided to open a 100% more risky pot and I was going to move all of my 80% fund into it and then add a further 10k from a regular savings account. If I do this, does that put me over the threshold for the…
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JISA Yearly Cap
Hi, was wondering what happens if I have more than the £9k cap of new money for opening a JISA for each of my kids? In short, when my dad passed the sale of the house will be split between myself and my siblings with a % going to the grandchildren. This will be over £9k for both my kids. I believe the solicitors (also who…
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moving old ISAs into Virgin Money ISA help
Hi All, I've just got a Virgin Money current account so I can open the 1 year fixed ISA with them. I've already got another ISA with them from last year (opened in March last year) and a second ISA with Cynergy that I opened in August last year. I will move the Virgin Money ISA from last March into a new ISA with them. But…
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Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs 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.
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Newcastle Single Access ISA - 5%
Is it any good ? Wife fancies opening an account. I notice that the application form doesn't allow one to both transfer in and add new money......it's one or the other, can't tick both boxes. Seems rather strange. I guess they are only structured to do one thing at a time !
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Principality Online Bonus ISA Issue 4 withdrawal
POBISA issue 4 was opened in Tax year 23-24 with no new money and funded by an ISA transfer in 23-24. This is a "flexible ISA" and I intend to make a withdrawal soon. I believe I can replace this withdrawal any time this tax year 24-25 without the replacement contibuting to my £20k ISA allowance. I may want to contribute…