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Help To Buy ISA Qualification
I have a HTB ISA which I am unsure if I can use in my current situation. My partner already has a Mortgage on a house that I am joining into. As she already has the mortgage, to add me on I am being added to the deeds and we are remortgaging to add me to the mortgage. Am I able to claim the HTB bonus in this situation or…
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FSCS protection for cash ISA
I’m not sure how to word this question but here goes… If the bank you held your Cash ISA in was to fail and you were compensated by the FSCS for the full amount of money, would you still have the ISA tax free amount you started with or would you have to begin again building that up. For instance if you had 100k in your ISA…
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Santander e-voucher offer
Hi Just been emailed this as part of Santander boosts but I think it's their usual offer. I'm not sure whether to bother to be honest. If I new it would a short wait for the voucher I might be tempted. Cheers
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How do I identify my Moneybox ISA (transfer to Virgin)?
As per the title, that's the aim of my game. I just don't know how to identify my ISA with Moneybox for the paper form I've got to fill out since Moneybox wasn't listed on their drop down. I see no sort code & account number that it's requesting. I'm probably being blind, I just find the app poor to navigate. Not Plum poor…
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Has anyone Transferred into a Trading 212 Cash ISA recently?
I'm curious because MSE suggests that: "Rate 4.58% - 3.6% variable + 1yr 0.98% bonus - Lower rate on (most) transfers" but Trading 212 does not metion anything, and I've looked through their FAQ: "Can I transfer an existing ISA? You can transfer your ISAs in and out of Trading 212 without any restrictions or fees, although…
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FSCS protection limit
Apologies if this is a stupid question but it’s something I thought about today and not sure about the answer! Lets say I had amassed £300k in a stocks & shares ISA over a broad spread of investments with (for example) AJ Bell and AJ Bell go out of business. Am I still only covered up to £120k? I understand that the FSCS…
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Should I Transfer Or Withdraw/Deposit? - Cash ISA
This might be a dumb question but I'm not sure on what best to do. I have just over £15k in my Moneybox Cash ISA, currently getting 3.45% interest. I've had this ISA for over a year now and I've not deposited any money in this tax year. I also have an outstanding loan of about £5k which has about 12% interest on so I…
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Bed & ISA query
I am struggling to work out whether it is best for me to use the Bed & ISA method to fund my S&S ISA this year, or put £20k directly into the ISA (from money held elsewhere). I bought some shares at 540.50p per share in August 2025. Those shares are now worth 783.21p each. So a gain of 242.71p per share I believe. These…
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Is your Personal Savings Allowance adjusted with Salary Sacrifice
I was previously a basic rate tax payer and had of PSA of £1000 and would accrue interest greater than £1000 (outside ISA's) and be eligible for additional taxes. My salary increased to the 40% tax rate so my PSA is now £500. If I salary sacrifice into company pension to get gross pay below higher tax rate, is my PSA…
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Index Linked Savings Certificate - renew or not?
I have an Index Linked Savings Certificate that’s due to mature next month (last renewed in 2021). I’m unsure whether to renew it again, especially as you can no longer make withdrawals from it. The index linked return (and minimal interest) earned in 2022 was around 7.03%, 2023 was 10.07%, 2024 was 3.17% and 2025 was…
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Trading 212--Change Bank Details
I want to change the Bank that I withdraw cash to from my ISA with 212 but I can't seem to find how to do it on the app—-could someone please point me in the right direction. Thanks
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Transfer cash ISA from H.L to Santander.
The Santander transfer form asks for sort code and account number but H.L do not give you one all I have is my H.L client number. My ISA with H.L is invested with Chetwood bank. Not sure how to move forward on this, any advice please.
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Cooling off period and other ISA accounts
I opened a cash ISA in this tax year. After reading this forum I decided to close it during the 14 day cancellation period. The money was sent to my linked account (regular bank account). That was the option Investec offered. I then opened an ISA with a different bank. I wanted to check if that is all ok. I.e I can still…
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AJ Bell Monthly Fees
I switched my stocks & shares ISA to AJ Bell last month, largely on the basis of what I read on MSE, noting especially (thank-you Benjamin Taylor) that their monthly fees are capped at £3.50. They are not! Fees on FUNDS are charged separately to those on shares and are NOT CAPPED. Could this be made clear for other readers…
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ISA/IHT
I'm a financial adviser - rule means ISAs aren't always tax-free Is thistrue??
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Transferring from a Shawbrook FR ISA maturing to a Santander FR ISA
Hi My Shawbrook FR ISA matures on 7th May. I wish to transfer it to a Santander FR ISA. If I submit a transfer request now to Santander will they wait until the maturity date? Thanks
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Can we use a cash ISA account just like a normal 'easy access' savings account
Mrs B and myself have about 30k in Ulsterbank paying 4.25% AER Could we transfer this into two cash ISAs and use it to dip in and out as we need for spending purposes?
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Paragon Bank - Moving and Transferring out ISA funds?
Does anyone know what happens if you moved funds between your Paragon ISA accounts which leads to the account you're moving out of fall below its minimum balance? Is accrued interest just added to the affected account then closed by Paragon? Regardless if whether the account is setup for monthly or annual interest…
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ISA opened before end of 25/26 tax year but transfer in, deposit showing as 7/4/26. used up 26/27?
Sorry for the long title, wasn't sure how to word it. Dad opened a Skipton ISA on 19/3/26. Requested transfer in of a Lloyds ISA that didn't mature until 2/4/26. Also funded the Skipton ISA with money from his current account on 3/4/26 (debit card payment i think). He is looking to open a new ISA for 26/27 however, on his…
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Can I do this with Trading212 & is there a L-ISA 'cool off' (to get money back)?
TRADING212: OH opened account with them to bag their rate. It since dropped 0.1% it seems. Just went to sort out putting money in today & our (my) fault - there seems to have been some short period of time where you needed to credit the account to get the rate as a notification flashed up for her saying she has 3 days to…
