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Transfer out of Plum ISA
Hi, just hoping for some advice. I have the easy Access Plum ISA which the rate has dropped to 4.92%. I think the rate could fall further going forward so decided to open the 1yr Virgin M ISA at 5.05%. During an Online transfer through Virgin, i could not see Plum listed. Ii tried to do the transfer form but when i log…
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Moneybox CASH ISA Daily Interest wrong?
Anyone else seeing their Daily Interest (Today's interest under Wealth Tab) incorrect? Mine was always correct. It dropped to 4.78% on May 29th as communicated and my daily rate was still correct and matching my own calculation (using BALANCE*(0.0478/365) ). Last couple of days its showing 18p per day lower again with no…
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Tescobank new Instant Flexible Cash ISA 4.07%
If anyone remained with Tescobank after they reduced their Instant Flexible Cash ISA rate to 3.96%, you may be interested in their latest product paying 4.07%, including a 2.92% fixed bonus rate. Easy to open online, then phone them to transfer funds from the old product. Not a top paying ISA, but if you want to stick with…
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Duplicate Junior ISA
A family member asked me to set up a new account for them to pay into for my son and stupidly I didn't realise he already had a Junior ISA set up. It's only come to light now as they've paid in £10k which is also over the £9k limit. Grateful for any advice on next steps, I'm assuming it's transferring one into the other…
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Moneybox: Open access cash ISA interest to be paid monthly
Hi all :) Got an email today saying interest that my Open Access Cash ISA interest will soon be paid monthly rather than annually. Personally, I am in favour :) Below what the email said. Thanks :) Hi, we’re pleased to say that coming soon, the interest on your Open Access Cash ISA will change from annual to monthly…
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Moneybox ISA
My current Cash Isa has just ended and I was looking to transfer my funds elsewhere I have heard moneybox are offering a decent rate and are easy to deal with, can anyone comment on customer service with them please. Ideally I am looking for a well known name with a decent intereste rate. TIA
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Moneybox no return policy
Hello all, Looking for advice as to whether I should transfer out, despite the non-return clause. I have a LISA (now 3.8%) and a cash ISA (now 4%) with Moneybox. Thier introduction boosted rates have weeded off and the accounts have had a slight drop in rates due the Bank of England dropping rates. I have just found out…
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Virgin ISA, where can I find it?
Hi there, I would so appreciate if someone could tell me where I can actually see, either on the website or app, the cash ISA I opened with Virgin Money. I find their website very confusing. I know a message came up somewhere about ISAs not always being automatically shown beside other accounts, so I followed the…
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Isa Tranfers - Lower Interest Rate when transfering in from other years
Hi, I have been adding over the last years the 20K to my ISAallowance, today my situation is this: * 2023 - 2IK - CHIP - 4.06% * 2024 - 20K - Trading 212 - 4.10% * 2025 - 3K - Plum - 4.79 % The challnege is when I try to tarnfer in from other years or providers PLUM offers less like 3.5 aprox. Can anybody recommend what…
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Using late wife's accumulated income in S&S ISAs as surplus for IHT purposes
My wife passed away in July late year and probate was granted about 6 weeks ago. Her entire ISA holdings have been transferred to me under APS allowance including her stocks and shares ISA. Because we couldn't reinvest her funds she has accumulated about £20k in interest, sitting now as cash in my account. Will there be…
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Transfer S&S ISA from Vanguard to Trading 212
I’m trying to transfer my S&S ISA to Trading 212, but T212 will only let me proceed with a cash transfer, meaning my funds will be out of the market for up to 30 days. I’ve never transferred a S&S ISA before, is this a regular practice? Also, I’m currently on the 80% Lifestrategy, would anyone know what T212 equivalent is…
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Saffron BS Cash ISA fixed 2 years
I recently opened a Cash ISA @ Saffron BS, It was the one listed in the best 2 year fixed and was sure you could transfer in other ISA's. Can anyone confirm if they also saw the Online and Transfer in option?
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Transferring from flexible and non-flexible cash ISA
Can someone clarify if the following is possible to do this in this scenario: I currently am with an ISA provider that offers a flexible cash isa type and where I am fully subscribed to the current cash ISA limit of £20,000. If I were to withdraw some funds today from this flexible ISA provider (eg. £1,000 or £2,000) but…
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Eligibility Criteria for Lifetime ISAs
Dear all, I have a question for the hopefully better-informed members of this community. My friend and I are both looking into getting Lifetime ISAs. However, the MSE article on these gave us pause. The article states that you aren't eligible for this ISA if you ever owned a house or a share of a house. My friend lost a…
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17 year old in ISA limbo
Hello MSE, my son opened a cash ISA in 23/24 tax year. He was aged 16 years old at time of opening. He can add more money to the same ISA in 24/25 tax year. However as his birthday was close to the end of tax year the ISA he opened was done in a rush and the savings rate is awful (sub 2%)! He wants to move last years cash…
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Current Tax year
Hi, I’ve a fixed rate cash ISA which matures later in this tax year. When this happens I’ll obviously need to open a new product either with the same provider or another to maintain ISA status. However before that, much sooner, I wish to open a new fixed rate cash ISA, using my full allowance. Can I do both within this tax…
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£1000 tax free allowance on savings interest
We have joint account and are therefore entitled to 2 x £1000 allowance each year on interest from savings. What is deemed the "joint account" ? The account you funded the investment from,or would investment have to have been funded/opened as a joint venture ?
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Transferring a cash ISA from one provider to a another offering a fixed ISA with better rate
Hello, I have an instant access cash ISA with a poor rate and am looking to transfer it to a new provider who is offering a good 1 year fixed rate ISA. I've read that it's better to have the new provider handle the transfer. I tried to follow their online form, but got stumped when it asked where I wanted to pay the…
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Trading212 cash ISA - newbie bonus?
Hello folks After reading the recent MSE article here about ISAs, I immediately opened a new Cash ISA with Trading 212 as it seems to have the best rates currently - 5.04%, including 0.54% new customer bonus. I've opened the account and deposited some money, but the interest rate shown is just the standard 4.50% - lacking…
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Help To Buy ISA queries?
I have a Help To Buy ISA with 25K in it. I've just been paying in the £200 per month for years and not really given it much thought. Now the interest rate has dropped to 1.05% for anything over 12K. 1. Is there any point putting more than 12K in a Help To Buy ISA? As the maximum bonus is 25% capped at 3K. 2. Would it be…
