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Taxable savings and income
I have a question please? Assuming that i earn £12575 or less. If i accumulate £1800 in savings interest in addition to £1000 savings interest from an ISA will i pay tax?
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Opening two Cash ISA's with one provider in a year
I had a two-year fixed rate cash ISA with Natwest which matured in July this year. At maturity it converted into a low rate easy access ISA. I then opened a new Natwest fixed rate cash ISA and transferred the full balance from the easy access ISA to it. I didn't add any cash (my 2025/6 ISA allowance is elsewhere). Very…
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ISA maturity uncertainty
Hello, I'm a little confused: I have an ISA (4.75%) which matured at the end of the day yesterday (6th Oct). Yesterday, I applied for this to move to a new provider 'at maturity' as I was advised by the current provider to wait until the date and do this (although I have since realised I didn't need to wait). However, the…
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Virgin Reject ISA Transfer
I requested Shawbrook Bank to transfer my Virgin ISA into their 4.31% 1yr fix. I heard back today from Shawbrook that the transfer has been refused. Contacted Virgin and the explanation given is that Shawbrook have sent the request to the wrong ISA Virgin team. Apparently it depends on what sort code is on your Virgin ISA.…
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Tesco Instant Access Cash ISA
On the application page for the Tesco Instant Access Cash ISA it states... "You can pay money into your account once your application is complete, but you won't be able to take money out until you send us certain information by post. We'll tell you what this involves once your account is open." Does anyone have experience…
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Skipton Lifetime ISA
Hi all, can someone help me discover when the "year" runs for putting savings into a Skipton LISA? Is it the financial year, calendar year or the anniversary of the account opening. Thanks
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MSE News: Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'
MoneySavingExpert.com founder Martin Lewis has made a suggestion on how to get young people investing WITHOUT cutting the £20,000 tax-free cash ISA limit... Read the full story: 'Martin Lewis suggests alternative to cutting cash ISA limit – a 'starter investment ISA'' If you haven’t already, join the forum to reply.
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HMRC tax code reduced due to savings interest - what happens after I’ve spent the savings?
I haven't lived in the UK for about 10 years, but have been paying into a savings account all the time I've been out. By July 2025, when I moved back to the UK, I had about 250k in an easy access account. I started a PAYE job in July of this year, and got given the tax code 669L, I assume to reflect the interest HMRC…
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Cynergy - Cash ISA Transfer in previous year plus current year?
So, it looks like rates are awful right now compared to where they were only few months back. Looking to transfer to Cynergy but their process looks complex.I want to:* Transfer my entire ISA portfolio including previous tax years * Transfer what i've put in this year Also, it says interest is paid annually and as this is…
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RBS isa transfer from Principality.
I'm contemplating transferring my Isa from the Principality Easy access 4.2%var currently to RBS fixed 4.2%. Am I correct that principality only use paper forms to transfer into them, so how does it work when transferring out? How do l go about transferring to RBS via the app. I have a current account with them. I don't…
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ISA confusion
Hi all Excuse my ignorance here but can someone please clarify - the 20K limit for cash isa, does that mean that 20K is the upper limit of what you can have in there? i.e I have an isa into which I put 20K in January does that mean that's all I can have in there ever? And any interest I will have to withdraw? Or is that a…
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Natwest ISA
Hi Had a Natwest fixed rate isa which matured on 4th September. Issued instructions to new provider on 28th August to open a new isa and set up transfer from Natwest on Maturity. All parties acknowledged requests. On 5th Sept Natwest informed me that they had moved funds to an easy access isa. Waited for transfer to take…
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Moneybox Cash ISA – A Few Questions
Hi everyone, I’m thinking about transferring my Cash ISA to Moneybox, but I’ve got a few questions before I go ahead: * within the app, can you actually see which bank is holding your money, or is that info hidden? in trading 212 you can see which bank holds your money…
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Chip ISA
Last year i moved my cash to CHIP to get the great rate they are offering. With that rate about to end I am trying to transfer it to another CASH ISA but I can’t find someone who is able to accept a transfer from CHIP or Clear Bank. Has anyone found a High Street Bank that will accept a complete transfer from CHIP!
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Renting LISA bought first home
I have seen multiple posts/articles on this issue and I’m still left uncertain. If I was to purchase a home with a LISA and then decide to upsize to a bigger house in the future, would I be able to rent out my first home? If so, how long before you can make this move without paying a penalty from the LISA? Any help…
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Easy Access Cash ISA with debit card.
Do such things exist ?
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Flexible ISA Question
I have a Cash ISA with trading 212 but the bonus rate finished some months ago. I can't tale advantage of other offers like Moneybox or Plum as I've had previous ISA's with them. My Trading 212 ISA I have only had since the start of this new tax year. It's compromised of amounts from 2 previous tax years and a current tax…
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Sell dads house
My dads alive and had nearly sold his house . Why do we do with the money? He wants to spend some but is he allowed? I care for him at my house and he lives wirh me full time . But what do we do wirh 140k? Can he just have it in his bank? Thankyou
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Virgin ISA16
HI, newbie here so be gentle please! I have a VIrgin IS16 now matured with 20k in it for a full year at 4.61% which should yield £922 interest. I only got £853.84 credited. Anyone know why ? TIA
