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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.

Matured ISA
Hi my Santander Isa matured 2/2/25, can I upgrade and transfer to a new Santander Isa? Or do I need to open a new one then transfer? As I am over the 28 days maturity. Thanks
Santander £50 ISA transfer-in offer
I have been trying to find out from Santander Customer Service and their dedicated ISA Team that if I trasfer-in 3 different Cash ISAs in full (above £10k each) into 3 different newly opened Santander Fixed Rate Cash ISA accounts, will I get 3 x £50 e-vouchers? I remember in the previous years there was only "one voucher…
Old cash ISA transfer
I have a 2024-25 cash ISA. I wish to transfer it to better rate providers. My question is can I transfer this old cash ISA into more than one new provider. Could I split the 24-25 ISA amount between multiple cash ISA providers?
UBL Bank payment problems
Recently opened an ISA. Made minimum deposit of £2000 with intention to add funds one transaction completed successfully - this was done via online banking (not the app).£2k initially went into a UBL Funding Account before then moving to the Fixed Rate ISA account.I then tried to add funds to the ISA, but the money has…
HSBC New money v Old money
An old relative opened an HSBC ISA up using new 25/26 money last week, not realising they had their 24/25 HSBC ISA maturing a few days on - which has now matured into a lowly 2% ish rate easy account money. I said maybe go back and get them to find a way to combine the 2 into one as it'll be in the cooling off period.…
Are all flexible ISAs like this or is it just Vanguard?
I have an ISA with Vanguard, invested in a MMF and a gilt fund, both income units. I withdraw the monthly income from both, and I noticed that on the Vanguard dashboard it shows me the remaining ISA allowance for this tax year. As I have withdrawn money from the ISA, the amount showing as available is more than £20,000. As…
Help to buy isa bonus
Hi. I have a help to buy isa that is nearly full. I am buying a house with a deposit of £5300. Does anyone know if I will get the bonus on the full amount in the help to buy isa or just on the £5300 deposit.
Have I inadvertently tied myself to Kent Reliance for life?
Earlier this month, I opened an Easy Access cash ISA with Kent Reliance, fully funded from a matured ISA account with another provider. I already have a fixed rate cash ISA account with KR - due to mature in November this year. KR have written to me confirming the opening of the new account and on the Summary Box page,…
Transfer of 2 previous ISA's into one new ISA for 25/26
Please could someone help me understand how or if I can transfer my Fixed rate ISA's into one ISA product for ease of management? ISA 1 - Fixed rate ISA for 23/24 which matured 30/4/25 ISA 2 - Fixed rate ISA for 24/25 due to mature in July ISA 3 - 25/26 Not yet opened 1.From what I can see most providers only give you 14…
ISA help - UBL confusion
I opened a UBL ISA early in April but I didn't notice that you have to put ALL your deposit in within 10 days or you don't get the original interest deal. I initially put in £2000 and then another £500 plus a transfer in of £3000. I also transferred some ongoing savings but as they were after the time they specified in the…
Sharing income
Hi, I am about to receive a pension lump sum and will initially put it in a joint bank account in the names of me and my wife. I intend to put £20000 of it in an ISA in my name. Can my wife buy a similar ISA from the joint account, or does that incurr tax penalties? Thanks.
Problem Transferring deposit to Moneybox ISA
Just trying to set up a new Open Access Cash ISA with Moneybox. My bank isn't recognising Moneybox as the company name when I try to set up a new Payee and when I proceed anyway it brings up the name Starling Bank as the Payee. I did a quick search and found a Starling Bank plc had been fined £29m in 2024 for 'financial…
Combining ISA for mortgage
I’m not qualified for a lifetime isa due to my age, please is it possible to combine my wife’s lifetime ISA and my cash ISA to get mortgage?
My mistake but read moneybox openacess cash ISA closely.
So I transferred out from T212 to MB and wanted unlimited withdrawals so went to openacess cash ISA. In this CISA, interest is only paid annually, so that mistake was on me. Now I am thinking of either going back to T212, or transferring it to Tembo, or transferring to the other MB CISA which pays interest monthly but can…
Moneybox ISA interest to be paid monthly
Just had email notification
Easy access Cash ISA transfer from Leeds BS to Leeds BS
I have a an easy access cash ISA with Leeds BS and want to transfer to another easy access cash ISA with better interest also with Leeds BS. Their website does not seem to provide an option to do this. I've sent a couple of secure messages but have not received any replies. Anyone with experience of doing this, thanks
monument transfers
I rang Monument this morning regarding transfers in to their cash isas and they still say they don't allow it
UBL
Now extremely concerned about my missing ISA and can not contact UBL. Do I need to contact the FSCS? MSE need to stop including them in savings rate recommendations. To summarise; I opened a fixed rate ISA and corresponding funding account with instructions to transfer in an existing cash ISA when it matured. The transfer…
Max ISA the following year - this may be a dumb question
I couldn't find this answer on the MSE guides. Am I right in saying you can top up UP TO the the £20,000 limit the next year on an existing ISA. Even if it's maxed out the previous year, or are you supposed to open a new ISA ? I only query this cos my Trading 212 account lists shows current tax year allowance £20'000, used…
How to contact TSB about an account if you don't know account number?
Does anyone know of a way of contacting TSB if you don't know your account number? Bit of background 1st. Wife had a C&G account which was converted to TSB in early to mid 2000's. She has her original C&G account number but has never known her new TSB account number. She has received a few letters from TSB over the years,…

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MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
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 Payment 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.
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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