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FSCS protection and ringfencing.
Hello, I'm new to money saving and looking for a good ISA. I have seen the Plum Cash ISA with 4.45% AER. This ISA has 3.04% base rate protected by the FSCS safety scheme and the 1.33% not protected by FSCS but is 'ringfenced'. Can someone explain the safety behind getting this ISA? Does the FSCS protection mean in the case…
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S&S ISA or 5 Year Fixed Cash ISA
I'm looking to give my daughter £20K to put into a ISA as funding towards school fees when my 5 year old granddaughter reaches her 11th birthday. I was looking at Castle Trust Bank, 5 year Fixed Cash ISA at 4.22%. I have thought but not seriously considered the Vanguard LifeStrategy 20 fund as an alternative. Has anyone…
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Student loan
My daughter has taken out a student loan for £9000 because she was going to move out of the home and rent but has not been able too so is staying at home. Would it be worth putting the 9k into a life ISA so she can potentially have a deposit for a place once she graduates and has a job?
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Transferring a Cash ISA
Am I the only one who feel how unsecured the system to transfer a cash ISA is? So I have a cash ISA with Lloyds that matured. Looked around and found a good rate with Tesco. Open the ISA and requested the details to transfer. Received a letter with some forms. They are asking to post to them some forms which include my…
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Turning 18 and ISA allowance
My son is turning 18 next month and has used his Junior ISA allowance for 25/26. When he is 18 does he get the full adult allowance of 20k for the remainder of 25/26 or does he need to wait for the 26/27 tax year to invest?
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Can I transfer a partial amount from a matured ISA to a new one?
Hi all, newbie here. I've been reading so much lately and using the info on ISAs that my head is spinning slightly. I need to make a decision asap and wondered if you could clarify something for me? I have a recently (end Sept) matured fixed ISA with Lloyds containing around £53k (at 5.37%, sob!). I will shortly be moving…
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stocks and shares ia
I have fallen out with my IFA, and as I am 74 and do not really need growth, . would now like to transfer my stocks and shares ISA to a cash ISA paying a monthly income it is under (not sure if that correct terminology) Quilter. How do I do it without losing my ISA kya fr status.
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Savings: Student finance and Tax code
Hello! I am new here and to all of this, so sorry if I have posted in the wrong category. I am a single parent, and my daughter has just gone to
university and was entitled to the full maintenance and tuition loans due to me
earning under £23k a year, with no savings. My brother has recently sold a family
property and has…
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Problems with AJ Bell stocks and shares ISA - incorrect data
Hi all, I use AJ Bell for my Stocks and Shares Isa and the price inaccuracies are unbelievable. Home Screen gives different prices to the ISA screen, this morning it has been showing one share at £2.20 when in fact it was £1.82, the graphs are always out of date or non existent and the App has showed as many as 5 different…
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Change to the Flexible ISA Regulation (5DDB) dated 15 July 2025
I notice that there's been a change to the Flexible ISA Regulation (5DDB) dated 15 July 2025. See: https://www.legislation.gov.uk/uksi/2025/733/regulation/5/made The main effect of this is to change paragraph (3). From April 2024 this said: "(3) Any replacement subscription may be made only to the account from which the…
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ISA Transfer from Trading212 to Chip
I found a few posts in this forum about people successfully transferring their Trading212 cash ISA to CHIP but having issues initiating the transfer. I am using the CHIP app and have got to the question about who provides the ISA that I wish to transfer in. Trading212 is not on the list, so I have to choose the option…
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Not subscribing to an ISA - it gets cancelled?
For my father, he received the following letter from Nationwide. HM Rules state that if you don't subscribe to your ISA for a whole Tax year or more you're required to complete an ISA renewal before you can start making subscriptions again. We have not received a response to our letter therefore to ensure that the ISA…
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Moving Nationwide cash ISA?
My current Nationwide cash ISA is due to end in a month. It's going to be moved to an instant access lower rate ISA with them, by them. I thought I could just open a new (better interest) ISA with them and transfer the old ISA money across. But the highlighted paragraph below seems to say I need to open it from another…
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Method of paying interest on ISA.
My wife’s ISA interest is being paid by Barclays in the form of a cheque. As paying in the cheque via our iPhones or iPad has never worked, it’s a huge inconvenience with no Branches open near us. I assume she mistakenly chose this option when she opened the ISA. Can we change this arrangement to paying it into another…
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ISA transfer by manually withdrawing
I cant find an answer to my specific situation on any website that deals with ISA ''transfers'' so I'll ask it here: I have 2 ISAs; 1) Hargreaves Lansdown 2) IBKR I recently opened my IBKR ISA about a year ago. I've had my HL for 4 years. Reason I opened IBKR ISA is because the fees are much cheaper and investment markets…
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RBS / NatWest ISA
Has anyone else opened one of these Fixed rate ISAs recently and transferred in? I did a transfer request about 10 days ago online (via link in RBS app) but haven’t received any acknowledgment from RBS or anything from the existing provider (Nationwide). It seems a bit odd as normally you do get transfers acknowledgment. I…
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Transfer multiple ISA pots out of Zopa
I've got 4 different ISA pots with Zopa. One is a new fixed pot which ends next year, the other 3 are instant access pots only earning 3.5%. I want to transfer these 3 pots to a new ISA account I have with Natwest. I could attempt to combine these 3 pots into 1, but it will leave some as yet unpaid interest in 2 pots if I…
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Confused about ISAs
Hi i am new to ISA savings and a little confused. My fixed rate ISA matured in august 2025 and I have recently transferred £20k to a new fixed rate ISA with a different provider ( using the transfer in process). Am I right in thinking that I can open a further ISA for this tax year and deposit another £20k with a different…
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Is it possible to have EUR Holdings & withdrawals in an ISA
I will have some ongoing € commitments and I would like to limit my currency exposure. Is it possible to hold EUR denominated income funds in an ISA, receive that income in EUR and then transfer EUR to a EUR account such as WISE/Revolut?
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ISA withdrawal vs transfer
HI, I'm new to this forum and also not very good with ISA rules. Please can you help? I have an existing easy access ISA with the NatWest which I haven't used for a few years (it just collects interest each year) and opened another recently with YBS in order to transfer some funds to keep the maximum in the NW ISA to below…
