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Guidance required on inter year ISA tax allowances
Hi All. I need some guidance/knowledge on inter year ISA transfers please. I have never had enough savings that would put me over the £1000 tax free personal savings allowance. However this will change next year when i expect a decent amount that will change this. I propose to put roughly 15k into a flexible cash ISA…
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Trading 212 cash ISA 10 day limit
Just a warning for anyone opening a cash ISA with Trading 212. If you don’t deposit any funds within 10 days of opening the account then you lose the promotional rate. I didn’t spot that anywhere obvious (I may have missed it) but it’s in their terms and conditions…to which they will point you when you query it. They…
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Transfers query
if i open a new isa with say company B transfer t212 isa in the application, Lets say the money moves accross within a week , product has a 14 day cooling off window, company C now has a a better deal, Do you cancel with company B and isa funds returned to T212 or will you open new isa at company C putting in compants B…
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YBS four access eISA
Hi. I was on Youtube and saw and for YBS so I clicked on it and it led to a page about the Four Access eISA. Here is the link though I don't know what you will see as it originated from an ad:…
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Moneybox 4.26% Isa - Transfers In
Moneyfactscompare stating 'Bonus rate not applicable if transferring in' which is not reflected in MSE , and not obvious on Moneybox ISA page. Can anyone shed some light ?
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Withdrawing from flexible ISAs and annual allowance
Hi, Can I please check if money withdrawn from this year's ISA subscription in a flexible ISA still contributes to the £20k cap? I have a flexible Zopa ISA, funded this tax year. I also have a Plum ISA (non-flexible). At the start of the tax year I put £5k in Zopa, and have also funded £15k to the Plum ISA (so total £20k,…
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Best short term home for ISA funds ? it's a minefield
I have a fixed rate ISA ending in a week. With all the uncertainty in the world I'm loathe to enter into another fixed term at this moment so would prefer an easy access account until the dust settles shall we say. Obviously I want the highest rate possible,but many don't allow transfers in or if they do the rate is…
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Take a peek at my hand?
************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…
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Nationwide 2 year fixed ISA advice
If I out £20K in the above ISA today, then another £20K in the same ISA on 1st April, would I have to wait until 31st March 2028 to withdraw the whole lot (including tax free interest) to make the most of my investment. The rate is fixed at 4.05%.
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Time taken to transfer
Why does it take up to two weeks to transfer Cash ISAs from one provider to another. So far it has taken several days for Flagstone to even provide Trading 212 with the relevant details. I reckon chasing after another 1% is going to take up to two weeks.
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ISA advice please
Just a couple of quick questions if anyone can help please. Firstly I have an ISA with a low rate that runs til July. I lose the interest if I withdraw from this ISA. Firstly when it runs out it puts me on an even lower rate. If it does this will that use up my allowance for the new year when it moves it? Secondly after…
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Cash ISA Question
Very new to ISA`s only ever had "normal" savings but last year I opened a Cash ISA and deposited 17k into it, the interest rate is about to drop so my question is Can I transfer the 17k into another cash isa before 2025/2026 tax year? Can I put a further 20k into the same cash isa for 2026/2027 tax year?
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FSCS money protection with Trading 212 bank
Can anyone help me please? I have seen advice from MSE website that Trading 212 offers best interest rate for ISA account. However, I noticed this bank does not have record on FSCS website. I want to know if this bank has money protection? And how much? Thanks!
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Messy Isa's
Hi, I am trying to tidy up my Cash Isa's, ho hum… Isa I; a 2 year fix from October 2023 that matured October 2025 then rolled over into a 1 year fix which matures in October 2026. Isa 2; a 1year fix from April 11th 2025, which matures in April 11th 2026. …………………………………………………………………………………………………………….. Is it possible to…
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Hargreaves Lansdown - Funding LISA from Fund & Share account?
I'd like some help moving money into a HL LISA from the HL Fund & Share account I created please. I've set up a HL account for my son and then opened up a LISA, and at the time of doing so I funded it with £100 to get it going whilst I awaited cashing in some Premium Bonds to top it up to the £4k maximum. I then created a…
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Cash ISA transfer from Chip to Moneybox
My nephew asked for my help in setting up his first S&S ISA so that he could invest half his cash ISA savings in an S&S ISA. He is currently with Chip who don’t allow partial transfers so I suggested that he transfer all of his Chip cash ISA to a Moneybox cash ISA that has a better rate anyway and then do another transfer…
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Flexible cash Isa's rules
Hi, I have 2 x Zopa flexible cash Isa's for the years 2023/24 & 2024/25....... I have a zero balance in each, have I now lost the opportunity to put £20,000 back in each one for ever? I also have a 212 flexible cash Isa for 2025/26 with a zero balance I believe I can put the £20,000 back in before April 6th 2026?
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LISA addition before end of tax year
Hello all, I'm looking for some opinions about maximising the benefit of my lifetime ISA before the end of the current tax year. I have a good amount of money in a normal savings account at the moment, around 5 months worth of income, and I also have around £2000 in my LISA. I'm wanting to put some more money into the LISA…
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ISA Renewal Date Query
In 2023-24 I took out a new 1 Year Fixed ISA on 2nd April 2024 which I renewed on 3rd April 2025. I expected to be able to renew on 3rd April 2026 but notice that renewal date has slipped to 8th April which is in Tax year 2026-27 because of the Easter Bank Holidays. Will this affect my 2026-27 ISA allowance as I was hoping…
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New ISA
Hi, I currently have a maxed out ISA for 2025/2026. Could I withdraw the funds and start a new ISA for this year and pay it in and then it's still classed as having one ISA this tax year? Or can you not do that? Thanks
