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ISA big screw-up?
ISA maturity approaching with lower interest, and mistakenly (been a tiring day) transferred ISA to a savings account in same bank. Immediately opened a new ISA with same bank and transferred money to it from new savings account. Don't tell me, it should of gone to original ISA? Have I lost my years and years of tax free…
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ISA vs Savings account as a first year uni student
Hello, I'm going into my first year of university in the next few weeks and im looking to start saving for my future. Parent's don't want me to get a job first year, which is fine. They cover my tuition and accom fees, and I get min sfe for a student living outside London. My monthly 'income' will be around £400 + 100/200…
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Tembo to Paragon transfer issue
Tembo let me know that funds had been send to Paragon last week, kept checking, but did not appear in my account. Checked with Paragon by secure message on Friday and now told; I can confirm that we received confirmation of transfer from Tembo stating they sent us the funds on 9th September. However, we have not received…
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ISA or Offset mortgage
Hi new here and wanting some advice. Ive got an offset mortgage with just under 50k left to pay off, ive got 20k in the offset account, i have money put in a couple of years worth of isa's which amounts to just over 20k in total. I have been over paying the mortgage off and then using the interest from the isa's to also…
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Maturing cash ISA over £85,000
I have a 1yr fixed rate cash ISA maturing in 3 weeks with Shawbrook. With interest it will have risen a couple of thousand above the £85,000 threshold. I hoped to reinvest some in an ISA in the same bank and transfer the remainder to a new provider to get it under the fscs limit but Shawbrook says I can reinvest or…
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S&S ISA Transfer Timescales
Hi, just looking for information. On Aug 6th I opened a new ISA and requested a transfer of my Wealthify S&S ISA. After a couple of weeks I contacted new provider who confirmed they had sent the transfer request to Wealthify on Aug 6th. I contacted again last week and was subsequently told they had been in touch with…
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Cash ISA transfer confusion
Morning, I opened a Cash ISA account with Chip on 18th September 2024. My boosted rate is about to expire so I'm looking at transferring. Currently the app reads ISA allowance: £0 / £20,000. Will this reset on 18th September 2025? I was considering transferring to Cynergy Bank as they offer the highest rate but they don't…
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Problem with ISA transfer
Completed a cash ISA transfer form, was accepted and new account opened. Have been waiting since 16th July for the funds to move across (from HSBC to Kent Reliance). Phoned KR and they said waiting on HSBC. Phoned HSBC and they deny all knowledge of having received any communications from KR, despite me giving them the…
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All world, stock market tracker growrh rates
All, I'm curious to know what growth rates folks have plugged into their massive pension spreadsheets for general, all world, stock market trackers? Obviously no-one can predict the future but I have in 4% above inflation. All of mine are currently flying at the moment so 4% is on the pessimistic side, but interested to…
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Transferring out of Chip Cash ISa
I am transferring out my Chip Flexible Cash ISA to another provider due to my forthcoming reduction in interest rate. What should I put in the ISA transfer form for the question - Existing ISA Reference?
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Restrictions on transfers
Reading other posts there seems to be some organisations that either won't allow transfers in or some that won't allow transfers out. Transfers in to Trading 212 or Cynergy come to mind. Is there a lost anywhere ? I am looking to transfer part of a Virgin S&S
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ISA transfer out from Plum and Trading 212
I want to transfer out my cash ISAs with Plum and Trading 212 but am having difficulty finding a provider who is able to accept a transfer in from these companies. Anyone been in a similar situation and found a suitable provider?
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Can interest from a LISA be used for your 1st time buyers first property?
My daughter has just been told by a solicitor that the 4 x £1000 that has been added to her 4 year LISA cannot be used for her 1st time buyer deposit and only the 4x£4000 she has added can be used. I cannot see this anywhere on your pages, could someone clarify for me please?
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Paying interest into a different account
Sorry if this should be obvious! Having recently retired (yay!), I want to use the interest that my savings will generate to supplement my monthly income, rather than leaving them to accrue in the savings account. I'm looking at fixed rate ISAs which don't allow withdrawals (I will keep some rainy day money elsewhere).…
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Bank not accepting ISA transfer
Hi there Can anyone help with this please...? I'm trying to transfer an ISA from Tembo to Synergy, but Tembo says they don't accept transfers in from Tembo - they didn't say why. Can they do this? I assume they can choose who they want to accept money from, but I've never transferred from Tembo before, so wasn't sure if…
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Newcastle Building Society error
On 9th September I received an email from Newcastle BS saying my Double Access ISA ISS was due to mature on September 23rd with the 3.55% dropping to 1.22%. Also the heading of the email text said my fixed rate ISA was maturing? I rang NBS and an advisor said I just had to transfer to a new Double,Access account and could…
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Virgin Defined Access Cash ISA
Hi just wondering if you can replace any withdrawn funds from a Virgin defined Access cash Isa in the same financial year? Cant seem to clarify in the terms and conditions.
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CMC Markets Cash ISA
Has anyone had any experience with the CMC Markets Cash ISA?
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Nationwide fixed ISA maturity
This ISA matures at the end of September ie after the next BoE meeting. If I select a new fixed ISA with them it is 3.8% (whatever the term) and as with most maturity scenarios that rate, if chosen now, would be honoured even if the rates reduce between now and then. So a known 3.8% Obviously it is currently possible to…
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ISAs
I have a stocks and shares ISA that I never pay into. Can I also open a cash ISA? And if so how much can I pay into it per tax year?
