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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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Working holiday abroad and income/savings
Any advice, please? My daughter (aged 20) is in her final year of uni. Her income last tax year was £750ish...so well below tax threshold. Next summer 2026 she hopes to do a working holiday in Canada. What are the income tax implications/what does she need to do AND she has about £21,000 in an ISA saved by yours truly.…
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Cash ISA is 'orphaned' - what happens next?
We wanted to move my wife's cash ISA from CMC to Cynergy, but Cynergy do not recognise CMC so we had to transfer the CMC ISA via another route (her Virgin Money ISA). Plan: CMC > Virgin. Then Virgin (inc CMC) > Cynergy. I requested the transfer of the CMC ISA to Virgin and should have waited for it to complete before…
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Withdrawing profit
2025-26 is the first time that I've held a stocks and shares ISA. Since April it's produced £2300 profit. Am I able to withdraw this, or do I have to wait to the end of the current tax year?
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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 New ISAs are added as they launch and withdrawn ISAs will be removed from the list.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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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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Keeping track of isa allowance
Now that you can have multiple accounts for isa savings & some are replaceable funds and with rates changing & transfers it seems inevitable people will make mistakes and inadvertently exceed the £20k Will HMRC track it and inform you ? What actions will they take ? For myself I’m below my personal allowance so not paying…
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Private Medical Treatment
Afternoon All I have a Vat enquiry on claiming the vat on private medical treatment. Recently I had stem cell treatment in my knee through a private clinic. it was mentioned that I may be able to claim back the vat on the private medical treatment. I have searched the HMRC/VAT government website but cannot determine if the…
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Inheritance Tax
Morning I have investments in an ISA which are climbing steadily. By 2026 I expect the value in my ISA will be £1m As a family of 3 with wife and disabled daughter who lives with us i want to make sure I buy a house with the money or ideally take out a mortgage securing it against the ISA which I still expect to keep…
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Barclays ISA transfer cashback
Can anyone see anything in this offer which requires the balance to be kept in the account for any length of time? Barclay's rates are rubbish, but if a transfer in can be followed by a near immediate flexible withdrawal out to a better paying instant access account then £100 back for transferring £25k might be worthwhile…
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Virgin ISA, where can I find it?
Hi there, I would so appreciate if someone could tell me where I can actually see, either on the website or app, the cash ISA I opened with Virgin Money. I find their website very confusing. I know a message came up somewhere about ISAs not always being automatically shown beside other accounts, so I followed the…
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Opening new Vanquis ISA
I want to open a new 1 year fixed rate ISA with Vanquis solely for the purpose of transferring a maturing ISA from another provider. I have also funded another ISA this year. The first question in the application is "Have you already opened an ISA in this tax year?". Truthfully answering "yes" to this brings up the…
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Trading 212 Cash ISA - Impossible to transfer ISA out!
A WORD OF WARNING! T212 makes it easy to accept a transfer in. But Transfers out are almost impossible. Every ISA provider demands an account number, sort code and (optionally) a reference number to accept an ISA transfer in. T212 doesn't give you a sort code or proper account number. Their 'account number' is just…
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Transferring to Hargreaves Lansdown, experiences sought.
Based on previous experiences, this could be quite a long post but without going into all the details of why I strongly hesitate to transfer anything to HL, I would like to ask if anyone has gone through the process of transferring a cash ISA to HL. As it stands, it can be started on their portal but partial transfers…
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Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
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(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…
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Renewing a maturing ISA
I'm hoping someone can help with a query about a Fixed Rate Cash ISA I have with UBL Bank that is due to mature in early October. I have already used my 2025/26 £20,000 tax free ISA allowance in June on an ISA with a different bank. So, with regards to my UBL ISA - if I choose to renew it and opt for another fixed rate ISA…
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Sharesave Scheme CGT
Hi, looking for advice on the following: I have a sharesave investement which is maturing December and I will be transferring shares to a stocks and shares ISA and need to know if I need to keep the ISA for 12 months or until the new financial year [2026] and will I have to pay capital gains tax on any profit from the…
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Maturing Skipton ISA
As it’s not my ISA, I’m wondering about the best way to go about securing the external transfer the ISA holder wants to hopefully avoid any hassle. Skipton seem to have come up a few times recently on the savings board for not paying the correct interest so although they say money can be moved from the default re-fix…
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Stocks and shares ISA transfer
I have been asked to help a family member with possible transfer of an existing stocks and shares ISA. For accounts with a value of say £25k-£50k where there will probably be a maximum of (say) 5 OEIC (unit trust) holdings, all accumulation units, very little switching, a small monthly DDR, which platform would you suggest…
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Coventry Building Society - Junior Cash ISA as child approaches 18yr
Coventry Building Society Junior Cash ISA as child approaches 18yr I wanted to highlight an issue we are currently experiencing with Coventry Building Society, to hopefully save someone else the same headache, and see if anyone can offer guidance. Our children both had CTFs, that we moved into Junior Cash ISAs with…
