-
Skipton BS - Maturing ISA
Has anybody else had problem with SBS closing a fixed rate cash ISA before it matures, despite having been sent clear instructions to the contrary, and imposing a considerable financial penalty ? They have admitted their mistake but have already waited almost 2 months and they still have not reimbursed/compensated me.…
-
Some providers don't accept certain banks
I have a £20k ISA with Leeds BS but I am struggling to find a top interest provider like Chip or Plum who accept transfers from the Leeds. Is this common? Why is it so?
-
Bed and ISA of corporate shares
Hi all, my company awards us some of our bonus every year in shares which then vest 3 years later. This is alongside a cash bonus which we pay tax on immediately in our paycheck. The first batch of shares for many years vests this week and we've had various online seminars from the shares provider, Equiniti, to support…
-
How to pay US/UK tax after selling my US shares
Hi I have a stocks and shares isa with a couple of holdings in US shares. I enrolled in the W8BEN and renewed it when necessary. I've recently sold one of my holdings. I'm fairly certain i will not need to pay UK tax on this income as it is in an ISA, but likely will owe the US 15% of the sale value. Anyone able to confirm…
-
Virgin Money Fixed ISA
I took out a year Fixed rate ISA with Virgin Money on 13.06.24 and deposited £20,000 in it then. I was expecting it to mature on 13.06.25 but apparently it matures on 30.06.25. MY question is do they pay interest on the extra 17 days, or is it the 1 year only?
-
Transferring S&S ISA to Cash ISA
Wishing to transfer out of S&S ISA held with InvestEngine and transferring to a cash ISA already open with Virgin Money. Does anyone know if I have to sell the etfs on InvestEngine and hold in cash there before initiating the transfer to Virgin? Any help much appreciated.
-
Moneybox Cash Isa
I’m about to open Moneybox cash isa paying 5.46%, I’m looking to move it to a s/s isa in about 6 months, will there be any penalties for closing after only a short period of time. I see their website says I can withdraw or close at anytime, but would like confirmation, thanks
-
Trading 212 ISA transfer
I spoke to 212 regarding my transfer to Chip, I only had the account number so I spoke to 212 and Chip. 212 told me to use the sort code 00-00-00 and the account number, unfortunately this did not work so I spoke to 212 again and they said use 12-34-56, this did work okay and it only took 3 days for the transfer to…
-
ISA Losses and Double taxation rules
Hello everyone. I have a couple of questions regarding ISAs. As they are an efficient way of invest/save tax free, you dont have to declare them/pay tax on the capital/shares located in an ISA. But, what happens in the cases stated below? -Case 1: Having shares that pay you dividends in an ISA, and those dividedns are paid…
-
When to stop putting money into LISA
I have £10,000 in my LISA and intend my first property to be shared with my boyfriend who will also have £10,000. We are looking at £200,000 flat. Is there any point putting anymore money in my LISA as we already make up the £20,000 deposit? Worried I will end up with more money to put towards the flat and it won’t be equal
-
Trading 212 cash isa transfer - is this normal
My partner transferred their ISA and they were 343 in the queue, then about a week later around 100 then a few days later done. i have done the same and its been stuck at 130 for 2 weeks. No budging. Appreciate it may just be me, but it seems odd they have bigger queues before and were able to work through them and now for…
-
Tembo Daily Interest
How do Tembo calculate daily interest on their cash ISA? If I dive 4.8% by 365 and multiply that by my opening balance, I get a slightly higher figure than they I paying - the daily interest they have works out at about 4.7%. Am I missing something? The extra 0.1% is made up by the interest compounding?
-
ISA transfer from NS&I to Lloyds - have they lost my money?
Hello all, I’d really appreciate your thoughts on the following. On 28/4/2025 I sent a form in to Lloyds to arrange a transfer in of money from my NS&I ISA to my Lloyds ISA as the interest rate was slightly better with Lloyds. As of the date of this post (6/6/2025) I still haven’t received the money into my Lloyds ISA.…
-
Transfer out Vanguard SS ISA to another platform with lower fees
I currently have around £3k in my SS ISA with Vanguard, all held in FTSE Global All Cap Index Fund Accumulation fund. Given the new fee structure has been in place for a good few months now, I'm wondering whats the best way I can transfer to an equivalent fund (if one exists) on a different platform? I'm aware that…
-
Help to buy isa/Lisa
Hello all, I currently hold both of the above and i know my h2b will end in 2030 i'm not so sure if the lisa does? But my main question is are they even worth it now? What happens if i don't find a house by 2030 or even want to but one by then? i know if i redraw the money i take a 25% lose of what i've currently got but…
-
Chip ISA booster code 29 May 2025
Does anyone by any chance still have the Chip ISA booster code that was valid on May 29 2025 (or around that time)?
-
Virgin Money ISA linked to M Plus Current Account?
Hi All, I'm not sure this is the right place for my question, but I wasn't sure where to add it... I have a Virgin Money ISA with money in it. This is linked to "M Plus Current" and "M Plus Saver" accounts with nothing in them. I've had a letter from Virgin Money regarding the M Plus Current Account saying that "if you…
-
Post Office ISAs
Has anyone signed up for a post office ISA please? I'm in the process of creating an account but I am a bit put off by the URL postofficeeisa.co.uk, it is a link from the postoffice.co.uk site but the page looks really rudimentary, the logo does not have a hyper link and the address is clumsy. I want to avoid being scammed…
-
Unit price
About changing funds, please excuse my non- technical terms.. If I have 20 different funds on a platform and asked the platform to change (sell) these 10 funds and 'buy' '1 new fund'.. what would this process be called:1. re-registration2. selling and buying 3. switched4. or something else? And will I get just one unit…
-
Cash ISA maturing soon - what are my options so it stays tax free and I receive a good rate?
Hello I’m currently saving for a house move and am saving using cash ISAs. This one-year cash ISA will be maturing soon (mid/late June ’25) and am wondering what options I have to ensure I don’t pay any tax on this £20k going forward please In the year to June ’25 it has been in a cash ISA tax (free) wrapper so I presume…
