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Moved: How to find a structural engineer
This discussion has been moved.
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New ISA
Mum has 2 fixed rate cash ISAs, one rolled over from last year, one opened this tax year.Where can she put her savings this year to maximise interest, she is a taxpayer.Many thanks.Meg.
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Tembo ISA transfer in delays
Hi I took out and maxed out a Tembo ISA in April, I want to transfer my Coventry BS ISA to Tembo, but it's over 2 months now and there's still a pause on the transfer in - very frustrating given the difference in interest rates 4.8% as opposed to 3.3%. I keep asking and get profuse apologies with no indication of when I…
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Having Difficulty withdrawing money from Virgin “easy access” f flex isa
Can anybody tell me why Virgin’s systems keep telling me I’m over my payment limit and refusing to make a transaction? My total taxable earning for this year is only going to be about 15k so I figured I could move the £25k emergency fund out of the easy access isa into a newly opened Chase account with the bonus saver rate…
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KRBS complaint about restrictive ISA T&Cs
I have logged a complaint with KRBS about their requirement to transfer in full all existing current year ISA subscriptions to them - if you are to open a new KRBS ISA . Their official final response: 'Whilst the government announced new ISA rules with the hope of making ISAs more flexible for customers, this is not a…
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Getting started with investing: S&S ISA?
I have a lot of cash savings (mostly cash ISAs) earning an average of 4.9% and am wondering about investing some of them for a better return, while still keeping a few years of expenses in cash. I've already put a decent amount this year into my SIPP but am reluctant to put all my eggs in that basket as I won't be able to…
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Skipton BS - Maturing ISA
Has anybody else had problem with SBS closing a fixed rate cash ISA before it matures, despite having been sent clear instructions to the contrary, and imposing a considerable financial penalty ? They have admitted their mistake but have already waited almost 2 months and they still have not reimbursed/compensated me.…
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Some providers don't accept certain banks
I have a £20k ISA with Leeds BS but I am struggling to find a top interest provider like Chip or Plum who accept transfers from the Leeds. Is this common? Why is it so?
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Bed and ISA of corporate shares
Hi all, my company awards us some of our bonus every year in shares which then vest 3 years later. This is alongside a cash bonus which we pay tax on immediately in our paycheck. The first batch of shares for many years vests this week and we've had various online seminars from the shares provider, Equiniti, to support…
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How to pay US/UK tax after selling my US shares
Hi I have a stocks and shares isa with a couple of holdings in US shares. I enrolled in the W8BEN and renewed it when necessary. I've recently sold one of my holdings. I'm fairly certain i will not need to pay UK tax on this income as it is in an ISA, but likely will owe the US 15% of the sale value. Anyone able to confirm…
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Virgin Money Fixed ISA
I took out a year Fixed rate ISA with Virgin Money on 13.06.24 and deposited £20,000 in it then. I was expecting it to mature on 13.06.25 but apparently it matures on 30.06.25. MY question is do they pay interest on the extra 17 days, or is it the 1 year only?
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Transferring S&S ISA to Cash ISA
Wishing to transfer out of S&S ISA held with InvestEngine and transferring to a cash ISA already open with Virgin Money. Does anyone know if I have to sell the etfs on InvestEngine and hold in cash there before initiating the transfer to Virgin? Any help much appreciated.
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Moneybox Cash Isa
I’m about to open Moneybox cash isa paying 5.46%, I’m looking to move it to a s/s isa in about 6 months, will there be any penalties for closing after only a short period of time. I see their website says I can withdraw or close at anytime, but would like confirmation, thanks
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Trading 212 ISA transfer
I spoke to 212 regarding my transfer to Chip, I only had the account number so I spoke to 212 and Chip. 212 told me to use the sort code 00-00-00 and the account number, unfortunately this did not work so I spoke to 212 again and they said use 12-34-56, this did work okay and it only took 3 days for the transfer to…
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ISA Losses and Double taxation rules
Hello everyone. I have a couple of questions regarding ISAs. As they are an efficient way of invest/save tax free, you dont have to declare them/pay tax on the capital/shares located in an ISA. But, what happens in the cases stated below? -Case 1: Having shares that pay you dividends in an ISA, and those dividedns are paid…
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When to stop putting money into LISA
I have £10,000 in my LISA and intend my first property to be shared with my boyfriend who will also have £10,000. We are looking at £200,000 flat. Is there any point putting anymore money in my LISA as we already make up the £20,000 deposit? Worried I will end up with more money to put towards the flat and it won’t be equal
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Trading 212 cash isa transfer - is this normal
My partner transferred their ISA and they were 343 in the queue, then about a week later around 100 then a few days later done. i have done the same and its been stuck at 130 for 2 weeks. No budging. Appreciate it may just be me, but it seems odd they have bigger queues before and were able to work through them and now for…
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Tembo Daily Interest
How do Tembo calculate daily interest on their cash ISA? If I dive 4.8% by 365 and multiply that by my opening balance, I get a slightly higher figure than they I paying - the daily interest they have works out at about 4.7%. Am I missing something? The extra 0.1% is made up by the interest compounding?
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ISA transfer from NS&I to Lloyds - have they lost my money?
Hello all, I’d really appreciate your thoughts on the following. On 28/4/2025 I sent a form in to Lloyds to arrange a transfer in of money from my NS&I ISA to my Lloyds ISA as the interest rate was slightly better with Lloyds. As of the date of this post (6/6/2025) I still haven’t received the money into my Lloyds ISA.…
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Transfer out Vanguard SS ISA to another platform with lower fees
I currently have around £3k in my SS ISA with Vanguard, all held in FTSE Global All Cap Index Fund Accumulation fund. Given the new fee structure has been in place for a good few months now, I'm wondering whats the best way I can transfer to an equivalent fund (if one exists) on a different platform? I'm aware that…
