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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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Savings & Tax Code
I've recently been advised I underpaid tax by HMRC and have entered the 40% tax threshold due to interest on savings. HMRC have updated my tax code to collect expected interest moving forward. My questions: 1) Does allowing the previous years of owed tax to be collected in my tax code (rather than making a back payment)…
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Isbank Meteor Savings - 6mth FR ISA 4.35% AER - Any thoughts on this bank?
Came across this ISA today but not heard of this bank before. Any feedback would be great. Thanks
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Help to buy ISA transfer
If you have a HTB ISA which already has the maximum £12k eligible for the 25% bonus and you transfer it to a Lifetime ISA, do you lose the £3k from the 25% bonus that the account would have accrued? eg, if you transfer to a LISA, would you effectively be starting afresh?
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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…
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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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I am confused
I feel like an idiot for asking this... I opened my first ISA earlier this year and just paid in enough that I am at my £20k allowance and Trading 212 shows up that I have £20,230 including the interest. My question is if I transfer the £20k in 212 to another ISA after 6 April to get a better rate does this mean it is…
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Cash ISA consolidation
Hi all, apologies in advance for what might be a subject discussed before but I have searched and can't find the answer. I have several fixed term cash isa's with different providers which all mature on different dates. Id like to have them all in one place so I'm looking for a new provider that will accept multiple…
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HL Active Savings Cash ISA
Does anyone have any experience with Hargreaves Lansdowne savings platform for fixed term cash ISAs? Specifically, a) how long do you have to fund accounts once opened?; b) you don't appear to be able to transfer in from other cash ISAs to them but I presume you can transfer cash to their S&S and then move it to a cash…
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ISA Transfers: Backdating interest to date of cheque no longer common practice?
I recently transferred an ISA into Nationwide. It was from a maturing fixed term ISA, so it seems to fall outside of their more generous policy of paying interest from the date of the application. There is some industry best practice to pay from the date of the cheque, although this might be outdated as it is from 2013:…
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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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Stocks and Shares ISA to Cash ISA Transfer
I have about 5k in cash in my stocks and shares ISA I would like to transfer to a cash ISA and retain the tax break. I also have stocks and shares in the same ISA. Can you go to a new provider of a cash ISA and request the cash only to be transferred into the account? Thanks.
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eToro Cash ISA - any experience?
Has anyone tried the eToro Cash ISA? https://www.etoro.com/investing/cash-isa/ It is currently paying 4.67% variable for 12 months (including a bonus).
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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…
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Want to transfer out of my Trading 212 cash isa
I tried to transfer out of my T212 cash isa to a fixed NatWest account. I put in the roll number box section my Customer Id from 212. Got a message from NatWest to say contact them. Turns out I provided the incorrect number so I gave them cash isa account Id instead. I have set up a Tembo fixed 4.3% just incase. However I…
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Worried about stocks and shares ISA
I understand nobody can say what will happen but I'm a little worried about investing in stocks and shares. It seems with the announcement from the government reducing the amount of cash I can invest in a cash ISA, I'm sort of forced to use stocks and shares. But if the worst happens, I'll loose money, right? I have some…
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Kroo flexible ISA transfer to Skipton
The transfer of a KROO ISA to Skipton needs to be done on paper, no electronic transfer. The form requests the ISA account number, but KROO ISAs do not have an account number but rather an 18 alpha-numeric reference, which I got from KROO. Anyone know what is put in the form to transfer the ISA. The Kroo sort code and the…
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eToro Cash ISA - QMMF - is it covered by the FSCS or not?
I know money held in QMMFs usually isn't covered, but on the website they straight up claim "Know your funds are safeYour funds are held in segregated accounts with MFM Investment Ltd, which is covered by the Financial Services Compensation Scheme (FSCS) with protection of up to £85,000." and "Where is my money held? As an…
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Junior ISA questions?
Have a junior ISA running for our daughter with NS & I . Value 18k . With current discussions on stocks and shares ISAs would it be advantageous for us to move this to a Junior Stocks and shares ISA pre maturing.
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Flexible, non flexible Isa rules
Hi as its possible to take funds from a non flexible Isa which was previously a flexible Isa with a different provider, is there downsides to going this route as I currently am wanting to transfer from a low paying flexible Isa to a non flexible however even though AI says its possible to just transfer back a year or…
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S&S ISA - Advised to move from cash ISA
I have a sum of money inherited that is in fiexed cash ISAs. My financial advisor has suggested that I have more than enough cash for emergencies and that I can get a better return on my money if it is invested in an S&S ISA - in this case Fundment. I am aware that anything stockmarket related can enjoy considerable gains,…
