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Nationwide - Fixed cash ISA due to mature in few weeks
Just want to double check that I've not missed anything regarding impending ISA maturity. It would appear that you can only administer what you'd like to do with matured funds in branch, via postal form or over the phone. I'm pretty sure it was possible to provide instrustions via a dedicated webpage to move funds into a…
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ISA approaching maturity date
I have a 1yr fixed term ISA with Kent Reliance that is due to mature on 9th December 2025. Can anyone tell me if I have to wait till 9th December onwards to initiate a transfer to another provider, or is there an industry 'timescale' that allows me to start a transfer beforehand? I think it takes around 14 days for the…
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Shawbrook maturing ISA questions
I've a couple of questions on a maturing Shawbrook ISA. If I selected a maturity option on their website, is it locked in or could I amend it before their imposed deadline? The other query is with regards to Shawbrook accepting additional funds into their multi-year ISAs. I understand it's possible to to fund say a 3 year…
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Tax on interest for joint accounts
My husband and I have a joint savings account. He is higher rate tax payer, I am normal. We also have 2x children with savings accounts in our names. I am confused as to the threshold of interest earned and if we are earning over the taxable amount. i.e does our tax limit on joint account calculate as £1000 for me plus…
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Flexible and non flexible ISAs
Hi I opened a Moneybox non flexible cash ISA at the beginning of this tax year to park some cash after a property sale. I have (wisely) spent most of this leaving a balance of £500 in this cash ISA. I am considering transfering this balance into a flexible stocks and shares ISA to have a go at investments via an ISA…
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ISA Maturity Options
my ISA is due to mature in October. I have two questions regarding the options available: * Am I able to withdraw only the interest earned, and also transfer part of the balance to my son’s account, while leaving the remaining funds invested? * Alternatively, would it be more beneficial to renew the ISA for another one or…
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Moving S & S ISA money ‘by hand’ to avoid transfer stress?
I have £20,000 in a Vanguard stocks and shares ISA and want to move provider due to the increased fees for small portfolios. I am not paying more money into the ISA. To avoid the stress and time delay of an ISA transfer, can I just withdraw the money at the end of the 2025-2026 tax year, pay whatever is left of my unused…
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Transferring ISA
Good Morning. In September 2024 I took out my 1st ISA(1 year fixed rate cash ISA) and deposited £20,000. I have made no further deposits and the account matured yesterday. I have now been put on a low rate easy access ISA. My question is if I decide to open a new ISA with my existing provider and transfer the £20,000 to…
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Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
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Trading212 - am i missing something
I opened a SS ISA a month ago and the monies went straight into the Investment, I have subsequently made a top up and that is being held as Cash. How do I transfer this to the Investment ?
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ISA Transfer Issue
I’m having issues with an ISA transfer. I have an ISA with provider A which is £20050. I initiate a transfer to provider B via provider B’s own transfer form. After a few days I see that only £50 has appeared in the new provider B account. Checking my provider A account I see the £50 has gone as a faster payment and not a…
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Blocked Transfer of Junior Cash ISAs - Halifax to Coventry
Hi All, I have finally got around to finding a better ISA rate for my two daughters JISAs. I've opened a new account for each of them with the Coventry Building Society. As part of the application process I've supplied the information for the girls' current JISAs with the Halifax. All seemed to be fine but I then received…
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Chetwood Bank via Hargreaves Lansdown
Hi - I was thinking about opening the Chetwood 4.32% 1 year fixed term ISA in case rates fall further. I’d be looking to largely fund via a transfer from another ISA. HL seem to say they accept transfers in via their Stocks and Shares ISA - so fiddly, but fine - although in order to open a Cash ISA (to transfer from S&S)…
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Working holiday abroad and income/savings
Any advice, please? My daughter (aged 20) is in her final year of uni. Her income last tax year was £750ish...so well below tax threshold. Next summer 2026 she hopes to do a working holiday in Canada. What are the income tax implications/what does she need to do AND she has about £21,000 in an ISA saved by yours truly.…
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Withdrawing profit
2025-26 is the first time that I've held a stocks and shares ISA. Since April it's produced £2300 profit. Am I able to withdraw this, or do I have to wait to the end of the current tax year?
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Cash ISA is 'orphaned' - what happens next?
We wanted to move my wife's cash ISA from CMC to Cynergy, but Cynergy do not recognise CMC so we had to transfer the CMC ISA via another route (her Virgin Money ISA). Plan: CMC > Virgin. Then Virgin (inc CMC) > Cynergy. I requested the transfer of the CMC ISA to Virgin and should have waited for it to complete before…
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Keeping track of isa allowance
Now that you can have multiple accounts for isa savings & some are replaceable funds and with rates changing & transfers it seems inevitable people will make mistakes and inadvertently exceed the £20k Will HMRC track it and inform you ? What actions will they take ? For myself I’m below my personal allowance so not paying…
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Private Medical Treatment
Afternoon All I have a Vat enquiry on claiming the vat on private medical treatment. Recently I had stem cell treatment in my knee through a private clinic. it was mentioned that I may be able to claim back the vat on the private medical treatment. I have searched the HMRC/VAT government website but cannot determine if the…
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Inheritance Tax
Morning I have investments in an ISA which are climbing steadily. By 2026 I expect the value in my ISA will be £1m As a family of 3 with wife and disabled daughter who lives with us i want to make sure I buy a house with the money or ideally take out a mortgage securing it against the ISA which I still expect to keep…
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Barclays ISA transfer cashback
Can anyone see anything in this offer which requires the balance to be kept in the account for any length of time? Barclay's rates are rubbish, but if a transfer in can be followed by a near immediate flexible withdrawal out to a better paying instant access account then £100 back for transferring £25k might be worthwhile…
