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PSA: Check your HMRC Tax Calculations if you have a Zopa Cash ISA
My Experience: HMRC said I owed £308 due to untaxed savings interest. I knew this was wrong as my savings are in a Cash ISA. After investigating, HMRC acknowledged a major flaw: Zopa did not correctly report the account as an ISA, so HMRC treated it as a taxable account. The Real Issue: HMRC's notices are vague. They don't…
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Tembo can they be trusted
I recently opened a fixed cash ISA with Tembo. I initiated an ISA transfer from another Cash ISA with the intention of adding to this by utilising the remainder of this years ISA allowance to provide an additional boost. As I bank with HSBC I found that it was not possible to initiate a cash transfer into the Tembo ISA as…
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Transfer out Trading 212 cash ISA
Hi, I'd like to transfer out my T212 cash ISA and had two questions. 1) Does anyone know which cash ISA providers can do the transfer digitally, ie where I wouldn't be required to download a paper form and request it by post? 2) I recently tried it with Charter Savings bank but they insist on a sort code which T212 don't…
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Moving £45k into a Stocks & Shares LISA - How Would You Invest It?
Hi! I had originally planned to use my cash Lifetime ISA for a property deposit, but it's now likely I’ll be inheriting a home and no longer eligible to use it for a property. So I’m transferring my LISA, a pot of around £45,000, to an AJ Bell Stocks & Shares LISA and will now invest it until I turn 60, in 20 years. I’m…
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Trading 212 - How do I get the free shares?
Can someone walk me through how I get the free shares? I have never had an account before. Opened one, and have added £100+ in a S&S ISA. I've chosen my "pie" and from what I understand, on Monday, Trading 212 will buy shares in my chosen pie and I'll be away. How do I see the free shares and decide where I want to invest…
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Is Multiple ISAs the Best Way Forward?
Never had an ISA before as I didn't have enough cash to reach the tax threshhold. Now I have. I have six savings "pots" attached to Chase for various things. Each one saves around £1000 a year. I don't really want to change how I bank but it seems those pots, together with my current account interest will start tipping me…
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Cash ISA Transfer
I
follow the mse advice and when there is a better cash isa rate I transfer it. However,
twice this year the money has been released from the old cash isa on the
Friday and then it is credited to the new cash isa on the Monday. I
lost two days interest on both occasions. On over £300,000 this is a lot of
money (£38 per…
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Setting up a SS ISA on a Trading Platform
Can anyone suggest a trading platform that does not require a SMART phone to register an account? I just want to invest modest amounts each month into a SS ISA without being stung each time I pay in... Any suggestions please?
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Multiple stocks and share isa
It is my understanding that since April 2024 ‘the rules’ allow me to have multiple stocks and shares isa. I would like to start with a lump sum then add regular monthly savings to a managed account but I have had some difficulty finding a reputable platform that will allow me two or more separate funds. I would like to…
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Transferring Cash LISA to S&S LISA? Or S&S ISA?
I wonder if anyone has any advice on this as I am struggling to find the answers. I am age 48 and took out a cash LISA when I was 39. As a home-owner this was for retirement. I've been maxing it out and now am now down to my last 18 months of being able to contribute. I am currently getting a rate of just over 3% interest.…
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Why is there a 10 digit account number on the Transfer Request Form?
Cash ISA transfer from T212 to RBOS - just been sent the transfer request form to review and sign. The receiving RBOS account has a 10 digit account number that I don't recognise. Anyone know why? I have contacted T212 and RBOS to ask why my 8 digit RBOS account number is not on the form and await their replies...
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transfer from isa to isa ...but done mannually via current account
hi all after The programme this week I opened a new ISA with Atom, with the view to transfer my existing ISA ( both cash ones) across, but Atom don't allow ISA to ISA transfer only transfer via current account. How does moving my existing ISA into my existing Current account and then into my new ISA impact me ? anyone else…
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Flexible ISA Question
I have an instant access flexible ISA with Virgin Money. My balance at close of play on 5/4/2025 was £10,600. Between 6/4/25 and 29/5/25, I withdrew a net £1,100 and the opening balance on 30/6/2025 was £9,500. Between 6/4/25 and 29/6/25 my balance never exceeded £10,600. On 30/6/2025 I transferred £5,000 to a flexible ISA…
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Lump sun in Lifetime Stock & Shares ISA now or not?
Hi all, I am going to give a few thousand pounds to my daughter as a gift (with her normal savings, she would still be under the 20K limit for ISAs). This is a portion of a small inheritance I have received and whilst I don't want to give it to her with strings attached, I would like it to make a difference in her life in…
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Wealthify S&S ISA via MSE - This offer isn't available right now !
I followed the link on MSE for Wealthify from the Managed and Robo stocks and shares ISA platforms section. However I receive This offer isn't available right now ! Is anyone else having better luck
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HELP TO BUY ISA & LISA
Hi My son is looking to buy a house next year and has a help to buy isa & a LISA, he knows he can only use 1 of the bonus's but wants to know should he be moving the money from his H2B (he's at the max) into his LISA, leave it there just getting interest, or is there somewhere else he should move it to to get more interest?
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ISA changes 2027
I'm reading the latest from HMRC. Tax-free savings newsletter 19 — November 2025Published 27 November 2025 The following rules will be introduced to avoid circumvention of the lower limit for cash ISAs: * no transfers from stocks and shares and Innovative Finance ISAs to cash ISAs * tests to determine whether an investment…
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Trading212 customer service
I opened a Trading212 ISA account and on July 3rd , in error, requested Barclays bank bereavement team to send funds from my recently deceased fathers account to Trading212. The following day I received an email from the generic info@trading212.com account explaining that they didn't accept funds from 3rd party accounts…
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Invest Engine S&S ISA Precious metal ETFs paused
Invest Engine has paused any new buying of precious metal ETFs, this is due to a FCA permissions review. It seems you can hold or sell precious metal ETFs but cannot buy now. I stumbled across this accidentally and had it confirmed via email from Invest Engine. I can't remember being informed by them which would have been…
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Autumn Budget: Cash ISA limit cut to £12,000 a year
How much you can save into your cash ISA each year will be cut from £20,000 to £12,000 from April 2027, the Chancellor Rachel Reeves has confirmed – though only if you're under 65, a caveat MoneySavingExpert.com Martin Lewis had called for. The change was announced on Wednesday 26 November as part of the Government's…
