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Cynergy bank wont transfer my ISA
Hi All, Wondering if anyone has any advice for this. Recently opened a new ISA with Moneybox and tried to transfer my existing Cynergy ISA over. Both accounts acknowledged the request and said it was in progress. 2 month later, not complete. I wrote to Cynergy who wrote back and said that during the transfer there was a…
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Shawbrook fixed rate cash ISA - initial deposit
Hi, Shawbrook famously allows for unlimited deposits throughout the term of their fixed rate cash ISA. However, they do require an initial £1000 deposit in order to open an account. Does anyone know what the window to provide this initial deposit is? The reason I ask is that I’m thinking of opening an account, but have…
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Cash ISA opening rules
Can I open a new cash ISA to the full allowance of £20,000 this week with my bank which has money matured from a non ISA savings account, and, also later this year transfer money in another cash ISA which matures with over £20,000 from its present provider into another provider?
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Advice on multiple ISAs
I'm new here and I was hoping to get some advice. Currently my wife and each have a fixed term cash ISA (due to mature in about a month) and a fixed term stocks and shares ISA (due to mature in a few months). The latter were originally set up to pay a mortgage but this has already been fully paid. Our plan is the…
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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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Are there any ISA providers that allow transfers in of a matured ISA 'mid-term'?
I have an ISA at 4.93% maturing in August. I would like to secure a fixed-rate ISA at a decent rate now, e.g. today, then transfer the 4.93% on maturity to avoid penalty, but everything I've found so far insist on all transfers in being completed within 30 days. I'm concerned if I wait another month or more, the rates…
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Childrens Inheritance
Hi, My dad sadly passed away last year very suddenly. He did not leave a Will but did share with me how he wanted his estate shared. My Dad is divorced although remained close friends with my Mum and was single when he passed. My Dads estate will go to me and my brother to be split 50/50 due to probate and we will ensure…
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Trading 212 cash ISA Allowance
Looking at my Trading 212 cash ISA, I am surprised that it says that my remaining current tax year ISA allowance is £25,000. I thought the amount was only £20,000. Is this an error on their part, or is one allowed to pay in to the previous year's ISA as well? That might make sense, since earlier today it showed the…
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FLEXIBLE old ISA to partly fund new ISA when transfers not allowed....
Hiya, Is the following scenario feasible : Old Flexible Cash ISA "A" at 2% with 50K of previous years' contributions. New Cash ISA "B" (does not accept transfers) opened this tax year at 4% with new £2K leaving £18K to add for this tax year. Easy Access savings account "X" opened at 5% with 35K taken from old flexible Cash…
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Calculating cash ISA transfer delay and where to pay compensation
I've had a delayed cash ISA transfer occur for a rather large amount. The transfer was delayed at the stage where the old manager sends the funds (step 2 in TISA process table). However the delay principally appears to be caused by the new manager ignoring a 'Ready to Send funds' message from old provider. Looking at the…
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Monument partial transfer out / Charter Bank transfer in
Hi All, I’ve recently opened a new cash ISA with Charter Bank Savings and want to fund it by doing a partial transfer out of my Monument cash ISA (which I opened a month or so ago). I have not subscribed any new money for this current tax year to any ISA yet. The monument ISA was also funded by transferring out previous…
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Maturing ISA - what to do with it? What about CMC Invest?
I am looking at my options as I have a Shawbrook cash ISA maturing soon. I am looking for another cash ISA to transfer into. I have seen that CMC Invest offer a good variable rate AER 5.1% Any thoughts on this would be appreciated
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Open new Paragon ISA and transfer in full existing Paragon ISA?
Just tried to do this (admittedly from/to a like-for-like product/issue) and didn't get an option to opt for a full transfer, was simply provided with a box to state the amount to transfer. Anyone know if there is a way to achieve a full internal transfer?
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Clarification needed on 90 day SAYE shares to ISA transfer.
Hi all. I am aware that on maturity of my SAYE scheme I am able to transfer some shares directly to my ISA, however cannot find any definative answer as to how the transfer value is determined. The HMRC guidance page explains that the shares must be transferred within 90 days and will count towards my annual £20K limit,…
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fixed term isa withdrawal penalties
Hi All, Maybe i'm misinterpreting the wording but i'm looking for a little more clarity on the above. As i read/understand the explanation provided by MSE when i click on the withdrawal penalty tab whan it throws up its new window on some 5 year fixed isas i will pay 365 days worth of interest to get my money back. What…
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Has anyone tried to transfer out from moneybox?
This discussion was created from comments split from: Cash ISAs: The Best Currently Available List.
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Trading 212 Flexible ISA
My 1 year flexible ISA is coming up to the end date. I've had no communication from them about what happens at maturity. Tried to contact them but just going round in circles with their chat bot. Any ideas what should or will happen?
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Plum ISA transfer - account frozen despite completion
I have requested an ISA transfer from Plum to Monument a while ago. Yesterday they sent me a message stating that this has now been completed and that the funds are now with Monument. However the funds still show up on Plum and the account has been frozen. Monument have said that they initiated the transfer but that they…
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Cash ISA's and savings account
I/we have £80000 to invest. The plan is to open a Cash ISA each and put the balance into a savings account. Each year after that we would open two new Cash ISA's and put the interest saved into the savings account. Is this possible and are there possible pitfalls? This is how we are hoping to stretch our retirement fund!
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Maturing ISA
Hi. I have a 1 year Fixed ISA with Shawbrook which matures on the 4th July. There exisitng rates are quite poor, so i am thinking of moving to a different provider. I also noticed that Nat West are doing a 1 year fixed at 4.3%, which would be far better than Shawbrooks offering. I s it possible to open the Nat West ISA,…
