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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.

Moneybox Lifetime ISA now at 3.25%
Thought I'd share this here, not sure if its the done thing. But just got an email about the interest increasing to 3.25% Can't post a link as still new.
Aldermore cash ISA
I noticed this statement on their website. I do not think this is the norm, or is it ? * Maximise your ISA allowance – you can split your ISA allowance between any of our Cash ISA products, as long as you don’t exceed your annual ISA allowance. For example, you could open a Fixed Rate Cash ISA with the money you are able…
Am I seeing things?
I was just about to post a question on why the ToTP ISAs were just crawling up by 0.01% at a a time to beat each other, when suddenly Newcastle jump in at roughly 0.4% above on a 1 year and 0.7% on a 2 year .....!!! Should I get in quick or is this just the start........ Edit: That 2 year rate isn't far off the best…
cynergy bank poor customer service and communication
this is a post stating my poor experience with cynergy bank after applying for a 1 year fixed rate bond as advertised by MSE, a word of warning as to how difficult it has been ( ive given up now and gone to another provider ) but in the meantime the waste of time and money in lost interest is not worth trying Cynergy . The…
ISA transfers electronically or by cheque ? The 'BACs Cash ISA Transfer Service'
The subject of whether ISA transfers are carried out electronically or via a cheque through the post is discussed on here fairly frequently and I've not come across a definitive answer to which banks and buildings societies use which method, until I came across this list of institutions that Cynergy will only accept ISA…
Vanguard ISA - £20k to invest
Hi All, Looking for some thoughts on what to do with my £20k allowance for this year. My background: Aged 42 £132k in Vanguard ISA currently Moved all cash into S&S ISA last year having held in cash ISAs previously. Based on interest rates being low and being able to take more risks to try to get higher returns. Already…
ISA Transfer
Friday morning arranged ISA transfer at Skipton BS from YBS.Received text today transfer complete.High praise to both,when I think how long it used to take.
Checking I understand LISA
Hey guys. So me and my wife are targeting buying our first flat summer 2023, starting to take it seriously now. If I open a cash LISA this weekend with £4000, then add another £4000 in May. The government is add in an extra £2000 for £10000 total. Then, April 2023 I can add another £4000 and receive another £1000 for a…
Thinking of leaving UK. ISA, AVIVA, state pension, taxes
Hi there, I hope you all are doing well. After spending 7-8 years in the UK, im thinking of leaving the country. There are many financial questions I have to think about. * I have an ISA with Vanguard. gov.co.uk website says I will not be able to pay into this ISA once I leave the UK and that I dont have to close the…
Which stocks & shares ISA
I have about £40k to invest. I do not want to research the market, I'd much rather just invest in a ready made product as, tbh, I would have no idea what I'm doing, nor the time to research it. Preferably I'd like to be able to withdraw some money if needed, and it might be that I need it in a couple of years time. Shall I…
Fidelity -Quidco
Quidco have a 24hr offer for new customers to Fidelity opening a s&s ISA, £55-£180 cashback dependent on how much initially opened with. Incase anyone opening a new isa.
Shawbrook Bank ISAs
I have 2 ISA's with Shawbrook, one a 5 year fixed term and the other of 2 year duration. Received a text today from Shawbrook which reads ".....Your ISA is now open to fund your account for 2021/2022 tax year . Please transfer from your nominated account and not e that funds transferred over Easter........ will not be…
YBS Loyalty Six Access Saver ISA
https://www.ybs.co.uk/savings/product.html?id=YB891325BTo qualify for the Loyalty Six Access Saver ISA you must have had a continuous membership with Yorkshire Building Society starting on or before the 1st January 2020. Allows withdrawals on 6 days per year plus closure at any time Minimum balance Tax-free† p.a. AER*£1+…
Stocks And Shares ISA Question
I have some questions regarding Stocks And Shares ISA that I tired to find an answer to using Google search. And there's a lot of information available but none of it made it clear enough for me to apply to my case. So, if anyone could explain things to me, I would appreciate it. My situation is as follows: 1. There is one…
TWO ISA's in one year by mistake
By mistake I have opened two ISA Stocks, and deposit in both. Altough, total amount is less than £10,000 What I need to do? Do I need to contact HMRC? Or Should I close both and start new ISA in next tax year, without messing things in the current year. Is this the big mistake I have made? I m thinking to close both ISAs &…
Hargreaves Lansdown Cash ISA
HL have entered the cash ISA market, through their Active Savings account. Only offer at this time an instant access ISA with the Coventry. 0.4% AER, not market-leading. You can get the same ISA directly at Coventry. too, so there is little advantage if you already have a Coventry login. Also, Coventry allows transfers-in,…
Vanguard stocks & shares ISA's: Invest in multiple LifeStrategy funds in same year?
I recently opened a Vanguard LifeStrategy funds stocks and shares ISA. I had planned to invest in just one LifeStrategy fund, but when I created an account I was presented with the option to invest in multiple LifeStrategy funds, so I decided to split my money between 3 of them. Today I remembered you can't invest in more…
Keeping ISA records - advice please
I understand the annual ISA allowance. I understand that old ISAs can keep going and you get a new allowance each year. I’m sure it is my responsibility to keep track, especially if I have ISAs with different providers - but is there someone/somewhere that keeps track of me ( and any mistakes)? Am I obliged to record them…
HELP needed... I subscribed to two Stocks and Shares ISA in the same year.
Foolishly I have subscribed/paid in money and traded into two Stocks and Shares ISA in the same year but I have not exceeded the annual allowance per person per year. I called HMRC and both brokers but neither can tell me what action will be taken, they said i need to wait till April and HMRC will contact me with the steps…
Are there any over 40 Lifetime ISA equivalents?
I’m a first time buyer trying to save a deposit and just found out lifetime ISAs exist, but because I’m over 40 I’m not eligible. I tried looking online to see if there were any government equivalents but couldn’t see anything. Does anyone know of any, or perhaps other similar opportunities I could invest in that deliver…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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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.

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ISAs & tax-free savings

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