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Has Tembo lost my LISA funds? Being ignored by them!
To keep it brief: about four weeks ago, I initiated a transfer of my LISA funds from Moneybox to Tembo in order to take advantage of a better interest rate. For the past week and a half, my Moneybox balance has shown £0. Their customer service team has confirmed that the transfer was completed successfully on their end.…
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Looking for Junior ISA that offers UCITS funds only
I'm seeking a little bit of help. I'm looking for a nice low cost Junior ISA that only allows investments in UCITS type funds (it's a company rule). Unfortunately I can only see a few - M&G has one but the index tracker fund choice (I was looking for a nice global tracker) is limited to a FTSA all share index, which, for…
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Trading 212 Cash ISA
Hello. I recently found myself in danger of paying income TAX on my savings. I looked into my options and decided to place my £20,000.00, the maximum allowed, into a Trading 212 Cash ISA. This decision was entirely based on the advice on MSE but I may have missed the gist of it completely in which case I apologise for the…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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Question re moving maturing ISA funds and adding additional amount
Hello all, apologies I have looked through the forum Q & A and still unsure as to the answer to my question and hoping somebody can help please. I have 20k in a one year fixed rate cash ISA with Secure Trust that matures mid August 2025. I am going to transfer it to a new provider as Secure Trust are only offering new…
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Vanguard to Invest Engine ISA transfer
I know there was some bother when Vanguard increased their fees about transferring ISAs out. I’m looking at moving mine to Invest Engine as it seems to suit my needs and 0% fees is obviously attractive. Is there any more recent experience of how transfers out of Vanguard have been progressing? I’m hoping that having left…
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YBS Transfer in
First time to use YBS, (Yorkshire Building Society) it seems their online website is struggling and keeps going into a loop and even though I have received an email to say I can transfer in (now), the it just goes into a loop and when I called their phone support, and explained the problem I get told: have you tried our…
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A pain in the PLUMs
On MSE recommendation I started a PLUM Cash ISA. No real issues, other than the usual digital format over-optioned click fest app (no I don't want this app to be the conduit of my life with various add ons and options - just want to save money get interest end off). The issue is now - trying to transfer the ISA out. As it…
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What advice re' Help To Buy ISA with £13K invested.
Hello, I'd appreciate a sense check on the advice I'm thinking of giving my daughter re' her H2B ISA . She is hoping to buy a house in the second half of 2026 (although nothing is certain!!), but given the current housing market its’ likely to cost more than the £250k H2B ISA limit. So it seems that her H2B ISA is actually…
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Cash ISA transfer
How long does it normally take to transfer a fixed cash ISA from one provider to another in people's experiences? I'm in the process of transferring. I made doubly sure both sides were aware of the transfer date weeks before the maturity date to ensure any loss of interest would be minimal. I even made sure the original…
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Transfer shares from non-ISA to ISA sharedealing account
With the changes in dividend allowance in mind (down to £1k this year, £500 next year as I recollect) I'd ideally like to transfer shares from my non-ISA sharedealing account to my Stocks and Shares ISA (Both with the same share dealing service). However the rules are that I can't do this, I have to sell from the one, then…
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LISA Eligibility After Selling a Previous Property—Can I Use It for a Deposit?
Hi all, just looking for a bit of clarity. I bought a property with a residential mortgage back in 2015, but sold it in 2020. Since then, I've been renting or staying with family and friends. A mortgage advisor recently told me I could still be eligible for a first-time buyer mortgage. That got me wondering; could I also…
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Trading 212 and its 2 different interest rates (newbie bonus & transfer in)
Hi everyone Trading 212 have a newbie bonus interest rate of 4.82%, but that rate is not available for transfers in, which is 4.1%. So if you add in, say, £20k of new money at the 4.82% rate, what happens if you then transfer in an ISA balance at the 4.1%? Do you lose the bonus rate on the £20k, or does T212 deal with the…
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Lloyds fixed rate ISA has matured
I am getting myself confused here. My fixed rate ISA is maturing in a few weeks. I would like to use the allowance potentially to offset some of my stocks and shares from tax rather than another Cash ISA. Am I right in assuming that this years allowance has already been used up and that I cannot cash in this ISA and then…
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Transferring multiple old cash ISA's
My wife has a number of old cash ISA's, that are earning next to nothing. Is there a limit on how much she can transfer to a new account this year? Does the £20,000 limit refer to transfers or just new savings? Thanks for any help.
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transfering stock ISA from Vanguard to T212 but T212 does not have the same stock.
I'm clueless here. I have Vanguard platform FTSE global index fund of around £4.5K. I need to transfer this to Trading 212 because I don't want to pay Vanguard's fees any more. However, T212 hasn't got exactly the same Index fund - I already have an account and an S&P fund with T212. There is also a similar FTSE all world…
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Which ISA
Afternoon my daughter has just turned 18 and her junior ISA has now ended - we didnt have anything like this and im not very informed of it but as a lower income house ive saved for her since she was born and want to continue to do so. I appreciate she will have to manage it from her on but want to help her - what should…
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should i jump and transfer unneeded £20K cash ISA to much better rates of Stocks ISA
i have a spare £20K in cash ISA currently at 4.6% maturing in September - I'm contemplating transferring it all to my stocks and shares ISAs which run currently around 14-15% (S&P and FTSE). I don't need this cash at all (have other savings) and would like to make more for my kids futures etc. Any thoughts
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Santander stocks and shares isa
I've mentioned before that I find investing complicated but have spent a few days on learning the system. I have an old Santander stocks and shares isa, where I invested £1.2 k 4 years ago. In 4 years it's gained around £440, with platform fees paid, so 'profit' of £440. I picked the investments - not Santander. I'm happy…
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Transfering a cash ISA advise.
My Cash ISA runs out on the 31st July, I have £30,300, the interest is paid monthly so around about the 3rd August my ISA will show as having around £30,400 to £30,405. I'm wanting to transfer to Yorkshire building Society Cash ISA for 3 years at the rate of 4.10% (Yes I do understand I can get a better rate elsewhere) but…
