-
Trading 212 flexible Cash ISA replaced deposits wrongly allocated to current tax year
I have a cash ISA with Trading 212 which is supposed to be flexible. On 6th April this year, my current tax-year ISA allowance data was reset so that it was showing "Used £0" and "Remaining £20,000" Since 6th April, I've been dipping into and out of the flexible ISA being careful always to first withdraw and then deposit…
-
Stocks and Shares ISA Automatic Reinvestment
I (a complete novice) opened a S+S ISA a few years ago and set the account to Automatic Reinvestment'. I waited for my number of shares to increase as the fund's value increased, but they did not. I contacted the help desk and was told that my account did not qualify for this action. So, all that happens is that the value…
-
Combine CASH ISA's
I have two CASH ISA that mature at the end of this month. Can I combine the two together to make only one? The combined value will be under £20K.
-
Cash rules and interest have I got this right?
Anyone clarify these questions regarding cash ISA's and interest earned please? Myself and my spouse opened a cash ISA for £20000 each this tax year. The money came from our joint account. Is this fine to open two cash ISAs from a joint account one for him and one for me? When the ISA's mature and say they both make e.g.…
-
Basic questions about fees for Stocks and Shares ISA
Hello, I'm new to investing and considering opening a Stocks and Shares ISA. I'd like to invest in ETFs, as I’ve been told that they tend to be less risky. My plan is to contribute £100 per month for the next 8 years, primarily for my son's future. I’m having some trouble understanding the fee structures. With AJ Bell,…
-
Opening an ISA without online bank account
Hi My 84 year old mam wants to open an ISA but is really struggling as she doesn't do online banking and doesn't really want to open an ISA online. She has been to her bank who can't help her and say she needs to open an ISA online. Is there anyway or anyone who offers ISA's by just filling in a paper form? Thanks
-
Cynergy bank wont transfer my ISA
Hi All, Wondering if anyone has any advice for this. Recently opened a new ISA with Moneybox and tried to transfer my existing Cynergy ISA over. Both accounts acknowledged the request and said it was in progress. 2 month later, not complete. I wrote to Cynergy who wrote back and said that during the transfer there was a…
-
Shawbrook fixed rate cash ISA - initial deposit
Hi, Shawbrook famously allows for unlimited deposits throughout the term of their fixed rate cash ISA. However, they do require an initial £1000 deposit in order to open an account. Does anyone know what the window to provide this initial deposit is? The reason I ask is that I’m thinking of opening an account, but have…
-
Cash ISA opening rules
Can I open a new cash ISA to the full allowance of £20,000 this week with my bank which has money matured from a non ISA savings account, and, also later this year transfer money in another cash ISA which matures with over £20,000 from its present provider into another provider?
-
Advice on multiple ISAs
I'm new here and I was hoping to get some advice. Currently my wife and each have a fixed term cash ISA (due to mature in about a month) and a fixed term stocks and shares ISA (due to mature in a few months). The latter were originally set up to pay a mortgage but this has already been fully paid. Our plan is the…
-
Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
-
Are there any ISA providers that allow transfers in of a matured ISA 'mid-term'?
I have an ISA at 4.93% maturing in August. I would like to secure a fixed-rate ISA at a decent rate now, e.g. today, then transfer the 4.93% on maturity to avoid penalty, but everything I've found so far insist on all transfers in being completed within 30 days. I'm concerned if I wait another month or more, the rates…
-
Childrens Inheritance
Hi, My dad sadly passed away last year very suddenly. He did not leave a Will but did share with me how he wanted his estate shared. My Dad is divorced although remained close friends with my Mum and was single when he passed. My Dads estate will go to me and my brother to be split 50/50 due to probate and we will ensure…
-
Trading 212 cash ISA Allowance
Looking at my Trading 212 cash ISA, I am surprised that it says that my remaining current tax year ISA allowance is £25,000. I thought the amount was only £20,000. Is this an error on their part, or is one allowed to pay in to the previous year's ISA as well? That might make sense, since earlier today it showed the…
-
FLEXIBLE old ISA to partly fund new ISA when transfers not allowed....
Hiya, Is the following scenario feasible : Old Flexible Cash ISA "A" at 2% with 50K of previous years' contributions. New Cash ISA "B" (does not accept transfers) opened this tax year at 4% with new £2K leaving £18K to add for this tax year. Easy Access savings account "X" opened at 5% with 35K taken from old flexible Cash…
-
Calculating cash ISA transfer delay and where to pay compensation
I've had a delayed cash ISA transfer occur for a rather large amount. The transfer was delayed at the stage where the old manager sends the funds (step 2 in TISA process table). However the delay principally appears to be caused by the new manager ignoring a 'Ready to Send funds' message from old provider. Looking at the…
-
Monument partial transfer out / Charter Bank transfer in
Hi All, I’ve recently opened a new cash ISA with Charter Bank Savings and want to fund it by doing a partial transfer out of my Monument cash ISA (which I opened a month or so ago). I have not subscribed any new money for this current tax year to any ISA yet. The monument ISA was also funded by transferring out previous…
-
Maturing ISA - what to do with it? What about CMC Invest?
I am looking at my options as I have a Shawbrook cash ISA maturing soon. I am looking for another cash ISA to transfer into. I have seen that CMC Invest offer a good variable rate AER 5.1% Any thoughts on this would be appreciated
-
Open new Paragon ISA and transfer in full existing Paragon ISA?
Just tried to do this (admittedly from/to a like-for-like product/issue) and didn't get an option to opt for a full transfer, was simply provided with a box to state the amount to transfer. Anyone know if there is a way to achieve a full internal transfer?
-
fixed term isa withdrawal penalties
Hi All, Maybe i'm misinterpreting the wording but i'm looking for a little more clarity on the above. As i read/understand the explanation provided by MSE when i click on the withdrawal penalty tab whan it throws up its new window on some 5 year fixed isas i will pay 365 days worth of interest to get my money back. What…
