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Child Trust Fund and Junior ISA- Aberdeen UK all share tracker
Looking for a bit of advice.. My eldest is almost 15, has a CTF (since 2010) which was auto transferred from Children’s Mutual to Forester Life in 2017. He has around £2600 (initial investment was £950 in 2010). Other child 13 has a junior ISA with them, opened in 2012 with £1000 and now at £1900. Both of these Forester…
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Tembo Cash ISA - do I lose a couple of days interest on the amount I pay in each time I do it?
Hi everyone Can somebody help me understand something with Tembo please? So they don't use sort code or account number, so we have to pull the money in through their app. These payments take 1-2 working days to clear, does this mean I lose the interest on that amount for a couple of days (or potentially 4 days if I make…
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T212 rate cuts
We're adjusting our base interest rate for GBP (Pound Sterling), effective as of 26 May 2025. Your rates will be as follows:Trading 212 Cash ISA: From 4.35% to 4.10%Trading 212 Stocks ISA, Invest and CFD: From 4.6% to 4.35%
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Progressive 2yr ISA Fixed paying 4.1%
Might be of interest to ones that have ISAs maturing later in the year. Open with £500 can then be funded by transfer or further cash deposits anytime in the tax year. No limit to transfers Branch or post application (passbook) not visible online account To view on a phone go to ISA'S scroll to 1yr fixed than flick left to…
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Company Sharesave to ISA
Does anyone know if i can transfer the proceeds of some shares into a Cash ISA without paying CGT?
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JISA transfers.
My daughter has 50k in a junior cash ISA. We’d like to use some of it to open a junior stocks and shares ISA. We found a provider who was happy to accept a partial transfer in but the provider where the cash ISA is would not allow a partial transfer out. Why is this? I can find no legislation forbidding it. How and why do…
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Moving Cash ISA
Recently opened a cash ISA paying 4.8% if rate drops are you fround upon by banks if you bounce it around within a short amount of time I.e a couple of months.
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Trading212 to Monument ISA transfer issue
I requested the transfer on 24th April, the forms to sign on 9th May. The requested full amount has not yet been transferred over. What has been transferred over though is the interest between these times. I have the emails saying the money is on its way and portfolio transfer complete. Has anyone else had similar issues?a
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Does re-investing back into another Fixed ISA count towards your annual 20,000 allowance?
Hi all, So my partner has a fixed ISA coming to an end at the end of May 2025. The bank has written to her and the 1st option is to just re-invest and fix it for another year and this is what she would like to do. However, she has already added 4000 into a Lifetime ISA with another bank - last month. So where does they…
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Outstanding ISA interest paid to new ISA (both Nationwide)?
I've been helping my Dad with his Cash ISA. He had an existing Cash ISA with Nationwide that Matures on 4th May 2025. It was a Triple Access version which allowed up to 3 withdrawals per year including account closure. So we decided to open a new Cash ISA (still with Nationwide) with the same rate and transferred the…
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ISA's stripped of flexible status
Good afternoon, looking at Martin's email yesterday saw Santander as a top ISA from a big name brand however in the t&c it mentions if a flexible ISA is transferred it will lose that possibility, can one transfer it back to say after a year, a flexible ISA with a different provider or is that wrapper status lost for good?
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Help to buy ISA & Lifetime ISA
My daughter is in the process of buying her first house, she started a H2B ISA a few years ago and has £8800 in it, not including any bonus, she also started a Lifetime ISA and has maxed that last year and this current year, therefore has £8000 + the £2000 bonus in that one. Not realising that you can’t get the bonus on…
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Can I change Cash ISA into Stocks & Shares ISA?
Hello I have two ISAs; Cash ISA and Stocks & Shares ISA. I opened Cash ISA in 2024 financial year and also opened Stocks & Shares ISA in 2025 financial year. Can I change the Cash ISA into a completely new Stocks & Shares ISA w/o sacrificing my tax free amount for 2025 financial year? Thanks.
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Starter rate for savings - what types of interest qualify?
Clearly bank interest qualifies but do the following also qualify as interest for the starter rate for savings? - Gilt coupons - Dividends on money market funds / ETFs - Dividends on gilt funds - Accumulation distributions on the above Anything else ?
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Moneybox ISA annual interest
Hi, Moneybox ISA is paid annually. But does it compound daily still? MSE doesn't say and neither does the Moneybox website. There's an example calculation on Moneybox which seems to suggest it DOES NOT compound daily. If so, that is worth MSE pointing out as it could be worth quite alot of missed interest.
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Stocks and Shares ISA current climate
Hello, I am not wealthy, however was left 20k which I put in a stocks and shares ISA via HSBC. I've lost about £600 which is so disappointing. I appreciate there are risks, but that's a huge % for me. Should I leave it there or take it out? My goal was to keep it saved for 5 years and then update my car and do some home…
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Merged Cash ISA question
If I have a flexible cash ISA with 2024/25 subscriptions in and 2025/26 subscriptions in, can I transfer £10,000 to another ISA and call it last years subscription? or has the rule keeping the current years subscription together now gone? tia sx
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Transfer question
I have several isa’s. One is being transferred. Can i still put money in my other one.haven’t put any new money in either this tax year. also probably a dumb question but if I want to withdraw some of the money from the transferred one, that doesn’t affect the allowance either?
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Plum Cash isa
Warning to anyone initiating a fund transfer to another provider on maturity. Plums T&C’s require you to keep the account open until the end of the following month after maturity. If not, month 12 interest & final bonus will be forfeited.
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Can I use flexible and non-flexible ISAs in this way to maximise allowance?
Hi, hoping someone can help verify my thinking over making the most of my allowance between my flexible (T212) and non-flexible ISAs. I had £40k in T212 and whilst I like the flexibility, the rate is dropping. No deposits made yet this year. I want to lock £10k into Santander 1yr 4.25% + £50 card (effective rate 4.75%) but…
