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ISAs & tax-free savings

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Unit price £0.03 difference
I would like to get others' opinion, if I may, before calling Aegon or HSBC etc please. I was checking to see that my S&S ISA portfolio is in order, after switching funds on the Aegon platform. My question is : I would like to know why Aegon's switch statement's unit price does not match the ones I have noted from HL site?…
How to pay into new cash ISA?
I don''t do online banking and last time I opened an ISA I had to go into my bank branch to pay in. Is this always the case?
Are there new ISA deals in the new tax year?
As the title says! I’ve never had to use ISAs before because I wasnt worried about being taxed on interest and the rates on easy access were better. But I’ve actually got some money now. In previous years are there good deals come 6 April for new or transfers of old ISAs?
ISA transfer showing as cash withdrawal on statement?
I requested a partial ISA transfer from my HTB Nationwide ISA to my MoneyBox cash ISA. According to MoneyBox, the transfer was successful and it shows as "transfer in from Nationwide" on the activity tab in the app, with full £20,000 ISA allowance remaining. However, on my Nationwide statement, the transfer shows as a…
Choosing best cash ISA now and throughout the tax year - do people jump around?
I'm with Virgin (23/24) and Trading212 (24/25). Virgin is ok till mid May interest wise 4.51%, then dropping to 4.11%. and Trading212 bonus ends also Mid May. Do people take the best 3 month bonus and then transfer out to the next, best 3 month bonus provider? Is it allowed? Is it worth it? Have around £35k between them.…
Charter Savings Bank ISA ‘Problem’
New rules for 2924/25 allow you to save your up to 20k across more than one institution. However Charter Savings Bank say that is advisory and that they DO NOT allow you to save in any tax year with another institution if you have subscribed to an ISA with them. Wow. Please can anyone say whether they can do that? However…
T212 New Customer Promotion as a previous customer
Hi all I have previously been a T212 Cash ISA customer but never used any of their promotional rates. I closed my account last year so they no longer recognize me as a customer. Their new 5.6% rate is exceptionally good, however reading the T&C it says if you were a previous customer it makes you ineligible. On signing up…
ISA AND TAX YEARS
Good morning Newbie here so please bear with me Can you advise on two year fixed ISA's which have been opened by my wife and I As you can see below in 23/24 we took out an ISA and followed this up with two more in 24/25 We will be opening two more for tax year 25/26 but what happens when the original four mature next March…
"Best" way to split ISA allowance?
In April I split my allowance into 16k SSISA and 4k LISA. I've just received my LISA 1k Gov Bonus, which I thought would have automatically reinvested into my chosen fund (with Dodl) however it's just gone into the available cash. Maybe that's a foresight issue by myself seeing as if it did go into that I would have then…
Confused about Vanguards "costs & minimums" stocks & shares ISA.
I currently have an S&S ISA with T212 and I'm very happy with it. But I want to open a S&S ISA with vanguard also. I selected "cash" because I don't want to actually invest in any fund just yet. Then on the next section it says I need to invest either £500 in 1 go, or £100 monthly. So just to open the account I have to do…
Wealthify - shocking amateurs
I really don't think MSE should have any association with this outfit. After three years they have turned the £5,000 investment in my grandson's ISA into £4,850. This is based on their middle ground investment plan. When we contact them their response is the classic standard, " investment is a long-term thing". Of course…
Moneybox and Chip - Cash ISA as a previous customer
I held my cash ISA with Chip for the 2023/24 tax year. When the rate dropped I transferred it to Moneybox for the 2024/25 tax year. I was very happy with my customer experience of both companies, and could not fault them. During March 2025 my 12-month bonus rate with Moneybox expired, so like many others I chose to move it…
Zopa ISA Rate
I have just seen that my Zopa Access ISA is showing a rate of 4.50%. Last time I looked it was 4.30% and due to fall to 3.80% on 6th April when the 0.50% bonus dropped off. Has anyone else seen this and does this also have a bonus?
Zopa ISA Annual Allowance
I transferred an ISA into Zopa on 19 February 2024 and received £20.03 interest on 10 March. As at today's date (2/4/25), Zopa are currently showing a figure for my remaining ISA allowance for 24/25 but the interest has not been included in this calculation. Has anyone else seen this on their Zopa Smart ISA? I am not…
H2B ISA withdrawal / mm
I’ve got a
isa issue
I would be grateful if someone could help me. My daughter has two flexible isa's both opened in different tax years. isa 1 opened in 22/23 but this tax year withdrew £6500 from it of which £4000 was put into a Lisa. isa 2 opened in 23/24 has £15000 deposited. is she only allowed a further deposit of £1000 this tax year to…
Trading 212 stocks ISA £40 bonus
I've recently set up several new accounts with the goal of spreading out & maximising my savings. One of these is the Trading 212 stocks ISA. I applied & used the MSE code & have received the £40 in my stocks ISA. I'm looking in the remaining week before the new tax year to max out my ISA limit for the year. Does the £40…
investment ISA
I have an Investment ISA with Fidelity as well as a larger investment portfolio again with Fidelity for 4 years. I'm 64 years old and retired and my husband has recently retired with just a small Govt pension. I'm feeling like I no longer have any risk appetite as these funds are all the savings we have. My investments…
Transfer of Stocks and Shares ISA
I have had the same stocks and shares ISA for 20 years with the same company it was originally Skandia and is now Quilter. I have never made any withdrawals or bought or sold any shares on the platform. I feel the charges are high as I do not do any dealings. I am looking to move my Stocks and Shares ISA to another…
Flexible ISA rules
If I put in (say) £20k into a flexible ISA, withdraw £5k and then transfer then remaining £15k to a different, non-flexible ISA; can I put the £5k into the non-flexible ISA at a later date? Or is the £5k allowance lost?

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MSE News

NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What you need to know
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
Warning: 'WASPI' women affected by State Pension age rise should watch out for 'steep rise' in scams
If you're a woman born in the 1950s affected by changes to your State Pension age, be on high alert for scams offering compensation for this. Campaign group Women Against State Pension Inequality (WASPI) and charity Independent Age have warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group.
Martin Lewis: 'WASPI' women affected by State Pension age rise should beware 'steep rise' in scams
If you're a woman born in the 1950s, be on high alert for scams offering compensation for those affected by changes to their State Pension age. MoneySavingExpert.com (MSE) founder Martin Lewis has warned so-called 'WASPI' women to be extremely careful, as there's been a reported "steep rise" in the number of scams targeting this group – with some even using Martin's name.
Small pension pots to be automatically combined in future under Government plans – here's what it could mean for you
If you have a number of small pension pots you've built up over years of changing jobs, they may be automatically combined in future under new Government plans. This could make it easier to stay on top of your pension savings and reduce costs – but it's still very early days, and we don't yet know exactly how the scheme will work in practice.
Martin Lewis: Aged 20 to 25? Trick to get a FREE four-year railcard worth £100 from Santander
If you're aged 20 to 25, there's a trick right now that can get you a free four-year railcard worth £100 via the bank Santander. MoneySavingExpert.com founder Martin Lewis takes you through it.
Went to an employment tribunal between 2013 and 2017? Can you reclaim £100s?
Tens of thousands who overpaid employment tribunal fees are now due a share of £13 million, which could be worth £100s. But refunds aren't automatic, so you need to act to get your money back. Here's what you need to know.
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.

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ISAs & tax-free savings

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