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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

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 ISA instead of regular savings account? Is there a difference?
Hi all. Bit of an odd situation, hoping for a shine of the light. I currently have a Santander Edge Saver account at 3.93% interest, of which anything over 4k I believe is subject to a lower interest rate, and a regular saver also at 3.93%, which will reduce to 2.96% on August 1st. Having read the latest MSE newsletter…
(New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers)
Good morning, Forgive me but this appears new and has started just this morning appearing in my targeted ads. CMC Invest appear to have boosted their Flexible (+ allowing transfers) Cash ISA to 4.85%. This appears to have been a previous rate, but I'm not clear if it was cut and then has now boosted back up. Perhaps…
ISA transfers: it's nice when they just work
It's nice when ISA transfers "just work". Opened a new cash ISA online (with a traditional building society) on Saturday, was asked if I wanted to transfer in an existing cash ISA as part of the account opening process, got notified first thing on Monday that the request was in progress, and then notified again…
Shawbrook Bank are a complete shower!
I've been trying to transfer my matured ISA from Shawbrook to another bank for over a month now. Despite me filling the forms in correctly, requesting old monies only, my transfer request has now been refused around 5 times because they say I'm trying to transfer the current tax year's allowance! I'm at the end of my…
New cash ISA for transferring in only purpose
Hi, I am struggling to find a cash ISA that I can open without paying in any money. My current cash ISA's introductory bonus rate ends soon. I would like to transfer to a provider offering a better rate but I have already maxed out my allowance for 25/26. I would like to see what other options there are for transferring to…
Trading 212 >>>>Vida ISA transfer
Anyone else transferring an ISA from T212 to Vida been successful?ISA transfer requested on 17th April, T212 say they never received it. Request re-sent on 7 May and again T212 claim to have not received.After i contacted T212 multiple times, they ask me for Vida email address and that they would contact them. I thought…
Maturing Fixed Rate ISA
I have a fixed rate ISA maturing in July. I am thinking of putting the money into a Variable Cash ISA which pays a bonus rate on top of the variable rate.The new account allows transfers in at a lower rate of interest. I don't intend to add any extra money into the account other than the existing maturing ISA. Should I…
Cash ISA Transfer (T212 to Chip)
I initiated an ISA transfer from T212 yesterday and the balance immediately disappeared from my T212 account. It hasn’t yet been credited to my Chip account, which is understand is normal. However, do I still earn interest whilst the transfer is in process? If so, is it paid at the T212 rate of interest or the Chip rate?
Monument ISA transfer in.
Can anyone that has had an ISA transfer to Monument complete in the past day please advise how long it took. I'm in the process of transferring an isa to them but it will take me above the FSCS protection limit and need to initiate a partial transfer out to lower the balance.I'm wanting to gauge when that might be as I'm…
Transferring an investment ISA to a cash ISA
I have an investment ISA and want to transfer it to a cash ISA. I wanted to open an ISA with Charter Savings Bank but they don't accept transfers from Invesment ISAs. I've had a look but can't find anyone who does - does anyone know of a company that will accept such a transfer? TIA.
Trading 212 Sort Code
What is the Trading 212 sort code? I wish to transfer to another provider but I cannot proceed until I get the sort code.
Moved: How to find a structural engineer
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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…
Tembo cash ISA transfers out
I have drawn a blank finding out whether Tembo allows partial transfers out. Does anyone know or have a link to Tembo information?
New ISA
Mum has 2 fixed rate cash ISAs, one rolled over from last year, one opened this tax year. Where can she put her savings this year to maximise interest, she is a taxpayer. Many thanks. Meg.
Tembo ISA transfer in delays
Hi I took out and maxed out a Tembo ISA in April, I want to transfer my Coventry BS ISA to Tembo, but it's over 2 months now and there's still a pause on the transfer in - very frustrating given the difference in interest rates 4.8% as opposed to 3.3%. I keep asking and get profuse apologies with no indication of when I…
Having Difficulty withdrawing money from Virgin “easy access” f flex isa
Can anybody tell me why Virgin’s systems keep telling me I’m over my payment limit and refusing to make a transaction? My total taxable earning for this year is only going to be about 15k so I figured I could move the £25k emergency fund out of the easy access isa into a newly opened Chase account with the bonus saver rate…
KRBS complaint about restrictive ISA T&Cs
I have logged a complaint with KRBS about their requirement to transfer in full all existing current year ISA subscriptions to them - if you are to open a new KRBS ISA . Their official final response: 'Whilst the government announced new ISA rules with the hope of making ISAs more flexible for customers, this is not a…
Getting started with investing: S&S ISA?
I have a lot of cash savings (mostly cash ISAs) earning an average of 4.9% and am wondering about investing some of them for a better return, while still keeping a few years of expenses in cash. I've already put a decent amount this year into my SIPP but am reluctant to put all my eggs in that basket as I won't be able to…
Skipton BS - Maturing ISA
Has anybody else had problem with SBS closing a fixed rate cash ISA before it matures, despite having been sent clear instructions to the contrary, and imposing a considerable financial penalty ? They have admitted their mistake but have already waited almost 2 months and they still have not reimbursed/compensated me.…

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MSE News

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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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ISAs & tax-free savings

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