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Trading 212
I see they are dropping their rate yet again for Cash ISA's.
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Isa Confusion!
I get so confused with ISAs so please bear with me! Firstly I have an Isa with Tembo, I had two allowances of £20,000 held representing my allowances from 24 to 25 and my current year 25 to 26. Firstly I got confused because the Tembo's Isas are branded as 'easy access' and I thought that meant you could put money in and…
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Can my fiancé pay into my ISA?
My fiancé and I are saving for our wedding. I have opened an ISA to save for this. He has been sending half of his pay into the ISA the last 3-4 months to contribute to the saving. I’ve suddenly realised I’m not sure if this is allowed?! He doesn’t have another cash ISA but does have a help to buy ISA. (And has only out…
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MSE misleading on Trading212 ISA
MSE claims that Trading212 is "offering a loss-leading high-rate cash ISA" to attract customers when in reality all Trading212 does is stick your money in a money market fund, something you could have easily done yourself on any other platform to earn SONIA. This makes me seriously doubt MSE expertise and reporting on…
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News & Discussion about interest changes following the MPC decision
I hope this makes sense rather filling the other threads that would remain focused on the new RSs and EA accounts.
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moving money
i have 20000.00 in a flexible isa this years allowance but the interest has gone down can i move this in to a isa with a beater rate also what happens to interest all ready earned
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Re: Cash isa question
Hi folks, i would like to ask a serious question that is causing me some confusion about cash isa's. is anyone able to answer this:- Last tax year i opened a cash isa with Trading 212 on the recommendation of this site. i put in the full amount. Over the course of the year money was withdrawn to approximately half. Now,…
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Partial ISA transfer from HSBC
I have a standard Cash ISA with HSBC worth £50k. I have contributed £12k to it in the current tax year. Can I do a partial transfer out of £40k to a stocks and shares ISA with another provider? I’m getting confused by reading online!
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Being Indirectly Taxed on "Tax-Free" Personal Savings Allowance – Is This a Mistake?
Hi all, I’m hoping someone can help me make sense of something that doesn’t seem quite right. I’m a UK higher-rate taxpayer and complete a self-assessment return due to receiving dividends alongside PAYE income. This year, I had £432 of interest income from savings — well within the £500 Personal Savings Allowance (PSA)…
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Annual Interest on Flexible ISA
I'm looking to take out a flexible ISA, with £20,000 of savings. I might not have the money in the ISA for the full year. If the interest is paid annually, will I get interest on the money that was in the account for the period of the year that it was there? Thanks.
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Source of Funds checks for ISA transfer
Has anyone experienced SOF checks when transferring a large (>£100k) ISA? I ask as my ISA balance has built up over decades and it would be very onerous to demonstrate the precise source of the entire balance if the provider I transferred it to asked . It has primarily come from small amounts of savings from employment…
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ISA understanding
There is a ISA on offer from CMC investment offering 5.44% easy-access Cash ISA (4.59% variable + a fixed 0.85% bonus for 90 days). Can anyone explain what this means? Variable is changeable, but does it mean it doesn't go below 4.59%? And I would get and additional 0.85% after 90 days on my savings? Any insight would be…
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Help to buy isa for cash purchase
I am buying my first property using inheritance snd no mortgage, I have some money in a help to buy isa can I use this and get the 25% government bonus?
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Premium Bonds vs Cash ISA
Am dithering about withdrawing my premium bonds and putting into cash ISA. I have won £125 over 4 months on bonds worth £11000. How do I compare interest rate of 4.87% to see which would / is giving the higher return please?
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Plum
Has anyone else had trouble logging in to Plum? I have been trying for 3 weeks now and the app will not accept any PIN I try to put in or accept it when I try to reset it. I am repeatedly asked the same questions and given the same advice over and over again even after I say that their suggestions haven't worked. I…
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New fixed rate cash ISA with 28 day transfer in period?
My Virgin fixed rate ISA matures on 29th August. I would like to open a new fixed rate ISA and transfer my matured funds. With the BOE meeting in a few days, and a predicted rate drop, it might be a good idea to open the new ISA now to lock in a decent interest rate. I'm looking for a provider which will allow me to open…
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Trading 212 Cash ISA Issues
Hi, Has anybody had issues with the interest on their Trading 212 cash ISA? I signed up and transferred my existing ISA's to Trading 212 at the end of June. The 'Pending Interest' never showed, but I assumed I'd just missed the deadline for the interest being paid for June. However, interest for July was not received by…
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Trading 212 Cash ISA FSCS question
I understand that Trading 212 hold clients money in 3 separate banks: Barclays, JP Morgan and NatWest. As it splits your ISA cash between these, does that mean you potentially have greater than £85k of cover by FSCS ? Theoretically up to £255k via the Trading 212 platform ?
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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…
