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ISAs & tax-free savings

Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.

ISA Question - Have a Current One
Hi, opened up and deposited 20k in my first ISA earlier this year, which I understand falls into the previous tax year bracket. However, knowing the new tax year is upon us, am I able to open a NEW ISA and deposit an additional 20k into that (as I wouldnt be touching my previous one and just letting it accrue interest) Or…
ISA Transfers on death of a spouse etc
Please: I’m trying to understand how ISAs are transferred to a spouse on death and still retain the tax-free wrapper. Some points/questions: Points: We have NO children. I’m 76 my wife is 75. I have six different ISA providers; my wife has five. Each ISA amount is above the banks probate limit ranging from 5 to 50k.…
Impact on cash ISA due to stk mrkt crashing?
What are peoples thoughts on a cash ISA in companies like Trading212 at the moment? How can they continue to pay out a high interest if the stk mrkt is so bad? If the company goes bust, how long does it take to get my money from fscs? Thank you.
Getting ready for my 2nd year ISA. Quick question!
Sorry folks, probably obvious but didn't have much luck when I was trying to find the answer online. I placed £20,000 into an ISA with Chip in April 2024. That is now showing £20,837.48I've just signed up to Trading212 and started the process to transer this across. Come the 6th April I want to add an additional £20k into…
BoS/Halifax flexible ISA deposits issue
Just a heads up - if you've flexibly withdrawn funds from a Bank of Scotland or Halifax ISA this year and plan to deposit the money back (from another BoS/Halifax account) before the end of the tax year then you might encounter a glitch in their system which tells you the deposit would exceed your ISA allowance and cannot…
Can a Cash ISA transfer be specified to transfer on a set date?
I have a flexible Cash ISA which matures in a couple of weeks whereupon it is moved automatically to a lower interest flexible Cash ISA. In order to transfer this Cash ISA to an another company with a better level of interest, can I specify that is it transferred on the maturity date, or a day later after the annual…
Old ISA
Hi hope you can help. I opened I fixed 1yr ISA last July. Can I add to it before the 6th of April . Or do I have to wait until July?
ISA operative date
If I open an ISA on 5 April but don’t put money in until 6 April is it considered an ISA in 24/25 or 25/26 tax year?
Good time to buy?
Is it a good time to invest in a stocks and shares ISA with the stock markets tumbling?
Multiple JISA question
I have got a JISA with HL and paying monthly to it. I want to take aadvantage of an offer from another provider. Can I stop this investment > open JISA with another provider and invest monthly until I get the cashback offer > once cashback received (mostly 6-7 months) stop and transfer back to HL in same tax year and…
Unit price £0.03 difference
I would like to get others' opinion, if I may, before calling Aegon or HSBC etc please. I was checking to see that my S&S ISA portfolio is in order, after switching funds on the Aegon platform. My question is : I would like to know why Aegon's switch statement's unit price does not match the ones I have noted from HL site?…
How to pay into new cash ISA?
I don''t do online banking and last time I opened an ISA I had to go into my bank branch to pay in. Is this always the case?
Are there new ISA deals in the new tax year?
As the title says! I’ve never had to use ISAs before because I wasnt worried about being taxed on interest and the rates on easy access were better. But I’ve actually got some money now. In previous years are there good deals come 6 April for new or transfers of old ISAs?
ISA transfer showing as cash withdrawal on statement?
I requested a partial ISA transfer from my HTB Nationwide ISA to my MoneyBox cash ISA. According to MoneyBox, the transfer was successful and it shows as "transfer in from Nationwide" on the activity tab in the app, with full £20,000 ISA allowance remaining. However, on my Nationwide statement, the transfer shows as a…
Choosing best cash ISA now and throughout the tax year - do people jump around?
I'm with Virgin (23/24) and Trading212 (24/25). Virgin is ok till mid May interest wise 4.51%, then dropping to 4.11%. and Trading212 bonus ends also Mid May. Do people take the best 3 month bonus and then transfer out to the next, best 3 month bonus provider? Is it allowed? Is it worth it? Have around £35k between them.…
Charter Savings Bank ISA ‘Problem’
New rules for 2924/25 allow you to save your up to 20k across more than one institution. However Charter Savings Bank say that is advisory and that they DO NOT allow you to save in any tax year with another institution if you have subscribed to an ISA with them. Wow. Please can anyone say whether they can do that? However…
T212 New Customer Promotion as a previous customer
Hi all I have previously been a T212 Cash ISA customer but never used any of their promotional rates. I closed my account last year so they no longer recognize me as a customer. Their new 5.6% rate is exceptionally good, however reading the T&C it says if you were a previous customer it makes you ineligible. On signing up…
ISA AND TAX YEARS
Good morning Newbie here so please bear with me Can you advise on two year fixed ISA's which have been opened by my wife and I As you can see below in 23/24 we took out an ISA and followed this up with two more in 24/25 We will be opening two more for tax year 25/26 but what happens when the original four mature next March…
"Best" way to split ISA allowance?
In April I split my allowance into 16k SSISA and 4k LISA. I've just received my LISA 1k Gov Bonus, which I thought would have automatically reinvested into my chosen fund (with Dodl) however it's just gone into the available cash. Maybe that's a foresight issue by myself seeing as if it did go into that I would have then…
Confused about Vanguards "costs & minimums" stocks & shares ISA.
I currently have an S&S ISA with T212 and I'm very happy with it. But I want to open a S&S ISA with vanguard also. I selected "cash" because I don't want to actually invest in any fund just yet. Then on the next section it says I need to invest either £500 in 1 go, or £100 monthly. So just to open the account I have to do…

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ISAs & tax-free savings

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