ISAs & tax-free savings

From an email received from Spring I understand that this will be launched tomorrow. No idea of rate though.

To prevent circumvention of the lower Cash ISA limit, the rules will introduce a 22% charge on interest paid on cash holdings held in Stocks & Shares and Innovative Finance ISAs (non Cash ISAs), prevent transfers from non Cash ISAs into Cash ISAs for the under 65s, and prevent holding 100% Money Market Funds in non…

The other day i renewed by Halifax ISA Bonus Saver for another year. Looking back at my finances i could probably fix the ISA for a year which doubles the interest. So can i renew my ISA again to the fixed one? Im not sure what happenss if you renew twice in a short period

Hi, I'm sure this is a really dumb question but just trying to get my head around this upcoming stocks and shares ISA rule I have near 50k or so in a vanguard portfolio with the following "holdings" LifeStrategy® 100% Equity Fund - Accumulation ActiveLife Climate Aware 60-70% Equity Fund - Accumulation ESG Screened…

I have a cash ISA with HL in Hargreaves Lansdown (powered by Shawbrook) I want to transfer out of HL completely to UTBank but I can’t see how as HL dont provide sort code and account number Can any one advise how I do it ?

I have 2 related questions about how flexible ISA rules interact with ISA transfers. Context I have been saving into a flexible ISA, and wish to transfer some of these funds into a higher interest, fixed-rate ISA, while still keeping the flexible ISA open for saving later in this tax year. For the sake of argument, let’s…

Hi there, I currently have £40,000 invested in stocks and shares ISA’s . My partner and I are considering investing a further £20k each in stocks and shares ISA’s and plan to invest this money between 5 - 10 years. We were wondering under the new Government plans to introduce 22% tax on any cash profits made on ISA’s, will…

We are a retired couple with decent pensions and plenty of savings. We are both standard rate taxpayers. My wife has a Trading 212 Cash ISA of about £26,000 currently earning 3.6 %. We want to withdraw that £26,000 and place it into two new cash ISAs of £13,000, one in my name and one in her name in order to achieve more…

Hi all, Requested a cash ISA transfer on 17th April from 212 to Santander. Went into Santander branch as I had to use the paper form and wasn't sure of sort code. Eventually on 30th April, funds left my 212 account and I have been waiting ever since for them to appear in my Santander fixed ISA. Communication with Santander…

Can anyone shed any light on this for me please when Investing in a S&S isa, I have a query about Ex-dividend dates and the T+2 settlement cycle which someone more experienced may be able to answer, I recently bought an etf which proceeded to go a bit gangbusters before the ex dividend date, as in it was in profit by 3x…

Updating this with the official note from HMRC https://www.gov.uk/government/publications/tax-free-savings-newsletter-19/tax-free-savings-newsletter-19-november-2025 I mentioned this on an ISA thread, but it's relevant to a lot of pensioners as well. According to the FT today, as part of the ISA changes, HMRC is going to…

I was reading today about the introduction of tax on interest from Stocks and Shares ISAs. I have held a Stocks & Shares ISA with Halifax for many years, but have never received any interest. So, my question is, are there different types of Stocks & Shares ISAs, those that pay interest and those that do not? I have been…

Edit: I FINALLY managed to transfer it, transferred the ISA Vida bank even though the interest rate wasn't as good as elsewhere as it was the only one i found accepting it. It's taken 2 months! Huge hassle throughout from trying to figure out the trading212 account number (there isnt one!), having to wait days to get…

Hi all, New to the forum so please be gentle with me. I want to invest in a cash ISA (haven't used my allowance up for 24-25 yet) and I am seriously considering Trading 212. I've used Shawbrook Bank and Charter Savings Bank in the past and had good experiences with them so I'm not new to online accounts. I know Trading 212…

I for the life of me cannot find out whether that 5.65% rate is for LISA transfers in or for opening a new LISA. The MSE table says transfers in, but maybe i am wrong here and its the lower 4.01% rate i'll get? Seems like a cracking deal that rate as my moneybox has come to an end :( The website small print says: *The…

Hi forum. I have just opened a stocks ISA with a new provider and used the transfer tool to transfer across funds, including previous years, from a cash ISA from a different provider. My stocks ISA will only allow me to use £20000 max into my new stocks ISA. Can I not also use previous years cash ISA funds too? I thought I…

I opened a new ybs flexible Cash ISA this tax year. I transferred in a Fixed Rate ISA from a previous tax year when it matured. That ISA contained £5,000 from the last tax year, and I have added £4,000 to my ybs during this tax year. I also have another flexible easy-access Cash ISA that I opened last tax year. I…

On the 22nd April Santander advertised an incentive by way of an evoucher if you transferred your ISA to them. At the time they specified a £300 evoucher for amounts between £75000 and £100000. A bit later they dropped this to £200 for the entire range £50000 to £ 100000 Google confirmed that this change had taken place,…

I have Spanish Shares (eg Banco Santander and Telefonica) in a platform's ISA. Can I reclaim Spanish witholding tax deducted from the dividends via my Tax Return? The platform does not reclaim witholding tax (except perhaps for US shares). I know for shares not held in an ISA, you can reduce your HMRC tax bill by the…

Requested a transfer. T212 have emailed to say I need to sell my investments. Is this normal? Just wanna check?