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New Virgin fixed ISA
Just tried to open one. Due to weird thing about their sort codes, I'm prompted to register as a new customer even though I have some accounts with Virgin already. I'm being asked to create new user name and password. Does this mean I'll have to log in to 2 different accounts in Virgin to see my different accounts or will…
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ISA APSallowance
I have an APS allowance following my wife's recent passing, but have already invested my full £20000 for the current year and wish to use the APS to open a new cash ISA with a different provider. (I am at the maximum protected amount with my existing provider) I am looking at Trading 212 but seem unable to get a simple yes…
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One or two year fixed ISA?
Hi there folks, Hope everyone is doing good, I have an ISA that is due to mature soon and can get a one year at 4% or a two year fixed at 3.8%, so just wondering what to go for? What is the general consensus about interest rates at the moment though I do realise no one has a crystal ball? I do tend to stick with the big…
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Earliest date I can open Shawbrook 1Yr ISA to transfer in Santander ISA maturing on 21/09/2025
Maybe I'm just not good at reading between the lines but I've asked Shawbrook this question three times, phrasing it a different way each time, and am still unclear on the answer. The responses I received note that the transfer-in request must be received within 14 days of opening the Cash ISA, and that the Cash ISA to be…
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What to do with 25 year old stocks and shares ISA
Completely confused and out of my depth re action to take with what appears to be a particularly underwhelmingly pointless stocks and shares ISA which I've had for over 20 years with a value of very little more than the monthly contributions made over the period. Initially attempted to make a simple transfer to a normal…
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saving advice needed
hi experts, I have sold my house for 360k, which I bought years ago for £170k and still outstanding mortgage on it is 90k.I need advice on how to save the gains, by not attracting much tax. please advice
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Additional Permitted Subscriptions (APS)
How can I find out which providers offer new ISA's funded solely by my APS?
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Transferring Cash ISA out of NS&I
Has anyone any experience of transferring a cash ISA out of NS@I recently? Am trying to move some previous year money to Shawbrook. Request went in Mon April 17th, receipt confirmed by Shawbrook Tue April 18th. Even if we take the receipt confirmation being a late afternoon and thus Wednesday not counting as day 1, then…
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Trading 212
I see they are dropping their rate yet again for Cash ISA's.
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Isa Confusion!
I get so confused with ISAs so please bear with me! Firstly I have an Isa with Tembo, I had two allowances of £20,000 held representing my allowances from 24 to 25 and my current year 25 to 26. Firstly I got confused because the Tembo's Isas are branded as 'easy access' and I thought that meant you could put money in and…
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Can my fiancé pay into my ISA?
My fiancé and I are saving for our wedding. I have opened an ISA to save for this. He has been sending half of his pay into the ISA the last 3-4 months to contribute to the saving. I’ve suddenly realised I’m not sure if this is allowed?! He doesn’t have another cash ISA but does have a help to buy ISA. (And has only out…
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MSE misleading on Trading212 ISA
MSE claims that Trading212 is "offering a loss-leading high-rate cash ISA" to attract customers when in reality all Trading212 does is stick your money in a money market fund, something you could have easily done yourself on any other platform to earn SONIA. This makes me seriously doubt MSE expertise and reporting on…
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News & Discussion about interest changes following the MPC decision
I hope this makes sense rather filling the other threads that would remain focused on the new RSs and EA accounts.
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moving money
i have 20000.00 in a flexible isa this years allowance but the interest has gone down can i move this in to a isa with a beater rate also what happens to interest all ready earned
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Re: Cash isa question
Hi folks, i would like to ask a serious question that is causing me some confusion about cash isa's. is anyone able to answer this:- Last tax year i opened a cash isa with Trading 212 on the recommendation of this site. i put in the full amount. Over the course of the year money was withdrawn to approximately half. Now,…
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Partial ISA transfer from HSBC
I have a standard Cash ISA with HSBC worth £50k. I have contributed £12k to it in the current tax year. Can I do a partial transfer out of £40k to a stocks and shares ISA with another provider? I’m getting confused by reading online!
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Being Indirectly Taxed on "Tax-Free" Personal Savings Allowance – Is This a Mistake?
Hi all, I’m hoping someone can help me make sense of something that doesn’t seem quite right. I’m a UK higher-rate taxpayer and complete a self-assessment return due to receiving dividends alongside PAYE income. This year, I had £432 of interest income from savings — well within the £500 Personal Savings Allowance (PSA)…
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Annual Interest on Flexible ISA
I'm looking to take out a flexible ISA, with £20,000 of savings. I might not have the money in the ISA for the full year. If the interest is paid annually, will I get interest on the money that was in the account for the period of the year that it was there? Thanks.
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Source of Funds checks for ISA transfer
Has anyone experienced SOF checks when transferring a large (>£100k) ISA? I ask as my ISA balance has built up over decades and it would be very onerous to demonstrate the precise source of the entire balance if the provider I transferred it to asked . It has primarily come from small amounts of savings from employment…
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ISA understanding
There is a ISA on offer from CMC investment offering 5.44% easy-access Cash ISA (4.59% variable + a fixed 0.85% bonus for 90 days). Can anyone explain what this means? Variable is changeable, but does it mean it doesn't go below 4.59%? And I would get and additional 0.85% after 90 days on my savings? Any insight would be…
