ISAs & tax-free savings

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…

💷 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…

hi, i have two fixed rate isa's that have matured, can i withdraw a little bit from one of them, and then transfer them both into one brand new fixed rate isa for this year? (i wont be topping/depositing up the new isa with any extra cash…i will just be transfering the two old isa's into one brand new one for this year) Is…

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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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…

Hi All, I've come in to a little bit of money that is going to take me over the PSA and therefor will end up eligible for tax if i leave it in my savings. equally my job is a little at risk at the moment so i may need to access it. came on here and had a read, Martin Lewis has Trading 212 as a recommendation (Cash not…

I'm sure this has already been asked, but when searching it produced 5000 results and the first three pages didn't seem to address this issue directly. Just wanting to check my maths! I've contributed to a LISA already (I got swayed by the "free" money!) I saw one of Martin's short form videos which said it's probably not…

I've got £20,000 in an easy access cash ISA. I want to put £15,000 of it into a 1 year fixed cash ISA and leave the remaining £5,000 in an easy access cash ISA. I know you can transfer part of your ISA into another one but it's a bit more complicated. I've also heard it said that you shouldn't withdraw money from an ISA so…

This is a really simple question but I couldn't find it in the terms document for my Cynergy Online ISA Issue 67 and the helpline is closed. I am consolidating 2 cash ISAs into one (Plum easy access) but what happens with the interest i have accrued on my Cynergy ISA? I will transfer the current balance to Plum but will…

Hi, my wife and I have set an ambitious but realistic goal of clearing our mortgage when our 10r fixed rate finishes in Nov-32. As we were lucky enough to lock in a low rate (and could foresee the pending rise) we know that its worth investing a set amount each month rather than overpaying. I have modelled that a growth of…

How about this for a load of utter rubbish in their key facts: "At the end of your fixed term, we'll get in touch to explain your options. By default, your balance will move into an Investec Save Instant Access Cash ISA, and any interest earned will be paid into your linked account. This keeps your balance within the ISA…

Hello, I applied for a new Santander S&S ISA via TCB on 20th October 25, I got a ‘sorry for the delay we are performing checks to set up your investment hub message’. Also got an email the same day from Santander thanking me for joining the investment hub. On 22nd October my investment hub appeared in my Santander app and…

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,…

My wife and I each have a £20k bond maturing, which we plan to invest into a cash ISA using our current tax-year allowance. Our goal is to use it as an easy-access 'dip-in' pot with no withdrawal penalties, as the rest of our ISAs are currently tied up in fixed-rate accounts or stocks and shares ISAs. Our strategy is to…

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…

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…

Opened this account over the weekend. Deposited a small amount. Not sure about Chip so far. Have to fund it through open banking, cannot do a transfer from bank. Other people's thoughts on Chip please. Thanks

I am in process of consolidating my ISAs which I have held for a number of years. I will utilise the current 26/27 allowance in opening my consolidating ISAs. However I have one maturing ISA which is outside the normal transfer window. (Just over 1 month) Is there anything I can do to ameliorate the insipid interest rate I…

The withdrawal penalty first-time buyers are charged when purchasing homes above the Lifetime ISA's current £450,000 property price limit will be AXED, the Chancellor John Healey has announced in the Budget today (Wednesday 28 October). It's a major win for MoneySavingExpert.com and its founder Martin Lewis, who have…

I have contributed £16k into a LISA historically (bonus takes this up to £20k). I bought a house 2 years ago which exeeded the value allowed to use a LISA, so I left the amount in my LISA alone as at that time there was talk of reducing the 25% penalty to 20%. Fast forward two years and that is now the case, but it sounds…

I've been with ZOPA almost since they began and I've always found them very good. However, my opinion is changing rapidly! ZOPA has a technical problem that is preventing me transferring from a flexible to a fixed rate ISA. It seems impossible to get any support for this. Worse than that, two advisers have now suggested to…

moneyfactscompare.co.uk appear to be quoting 1 year's worth of interest for fixed rate (ISA) products which have product terms (lengths) of greater than one year. In the event of closure or withdrawal before the fixed term end, for example closing a 2 year product at one year, the interest quoted would not be achievable as…

My uncle recently passed away and we are working out how to sort things out for my aunt. There are 9 cash ISAs with different banks and building societies. How does it work after a death? Will she just inherit the lot? DO we inform each company about his death? Thank you