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Loanpad drop in interest rates
As a result of the Bank of England reduction, we are announcing a small reduction of 0.1% to our rates with effect from 02 June 2025, as follows: Classic / ISA Classic 5.10% Premium / ISA Premium 6.10% I suppose you could say a .1% reduction as a result of a .25% reduction in BOE base rate is a softening of the blow. There…
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Cash ISA
I am so confused about ISA allowances. If I have a non-flexible ISA, with the maximum amount in it, £20,000, and it is earning interest, so the amount in the ISA increases each month, can I withdraw the interest each month, and the original £20,000 allowance remains untouched? Because this doesn't seem to be the case I.e…
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Nationwide ISA not showing online
I have opened a Nationwide 1 Year Triple Access ISA on 19th May. I was already registered for online banking with Nationwide as I used to be a customer. During the application process I asked for my Halifax ISA to be transferred over to Nationwide. My question is: in your experience, how long does it take for the new ISA…
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FORD FR 3yr ISA no more 4.20%
Was available yesterday at 4.20%. Dillying on whether to open. Too late now 4.00% . You win some you lose some.
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ISA provider that accepts paper shares
My company's save as you earn scheme will shortly be coming to an end and I plan to take the paper certificate of the shares and transfer them into a stocks and shares ISA. My company's preferred ISA provider charges fees of £17.49 custody fee per quarter for the account and £10.99 fee for selling shares, which I'd like to…
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Flexible ISA rules
May I please check that I understand the rules correctly. I have an Easy Access, but not flexible ISA with Moneybox. I also have a flexible ISA with Paragon. Am I right in thinking that I can transfer from Moneybox to Paragon, then withdraw funds, and then replace those funds by paying back into Paragon, without affecting…
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New Virgin Flexi 3 Isa
Hi, I have got a Flexi 3 Virgin account from last year (24/25). I have not contributed to an Isa this year yet. Does anyone know if I can pay into this account for the new tax year, or would I have to open a completely new Isa. I would like to be able to keep last years and this years money in one account. Have tried using…
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Which company offers low minimum monthly investments?
I've finally got my son interested in opening a S&S ISA but he doesn't have much spare money so trying to find which companies accept the smallest monthly investment. So far, it seems like AJ Bell is the lowest at £25 minimum per month? Any others?
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Thoughts on Tembo
Was attracted to their rate and possibility of doing an ISA transfer, so opened a Cash ISA and deposited a test £10. 1. The transfer offer was then halted. 2. Tried a test withdrawal to see how fast funds come back, and the only option it gave was withdraw everything and close account. 3. Tried querying this with customer…
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virgin 1 yr exclusive flexi
Hi, I have a virgin 1 yr exclusive flexi. It was funded in Feb 2024. So I guessed it has now matured. Virgin has sent me an email saying the interest rate dropped to 4.1% in May. This is still a good rate. Shall I leave the cash in there? Also, this is called a "Flexi" account, what does that mean? MSE says that a flexible…
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Starting with Stocks & Shares ISA - which platform?
So I have decided I need to start saving in S&S ISA. I'm happy where I am on the mortgage and my pension so I want to start building S&S ISA. The plan is that it could be used to bridge retiring at 50-55 vs. when I can access my pension in the ideal world. I'm currently late 30s so I have 15+ years of long term growth…
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Transferring Loyalty ISA into Fixed Cash ISA when used allowance already
My Fixed Cash Isa matured into a Loyalty ISA with HSBC. I then added another 20k for this years tax allowance into the Loyalty ISA and I then wanted to transfer the Loyalty ISA into a Fixed Cash ISA. However, HSBC are saying that because I paid my allowance for this year into the Loyalty ISA, I am unable to open a new…
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Is transfer a withdrawal?
Hello folks. I have an existing ISA, the balance of which is a bit over the £85K threshold, and I'd like to transfer some of that into a new ISA that I've opened for the 25/26 tax year. The existing account is a fixed rate ISA. Would a partial transfer out be allowed, or would that count as a withdrawal?
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Cash ISA maturing in August - leave now or wait?
Hi, I have a Virgin Cash ISA paying 4.47% interest maturing on the 24th August and I can't decide whether to leave now and pay the 60 days interest charge (about £90) or wait until the 24th August? Are rates likely to be lower than now in August? Thanks Paul
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Cash ISA providers who allow partial transfers out?
Hi everyone, can anyone recommend a cash ISA provider that allows partial transfers out? I have £40k in a Zopa Smart ISA, £20k of this deposited this tax year. They only allow transfers out in full. I'd love to be able to move this to another provider, and then transfer it in £10k chunks to Santander fixed cash ISA's in…
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Rate Cuts 2025 'Crystal Ball'
Question, just looking myself at moving ISA's due to rate cuts but also did I dream it or did Martin Lewis say recently (maybe on GMB this week?) that we should look to move to a fixed rate that is lower than what is currently on offer with the easy access type accounts as the indications are that the base rate will…
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Another ISA muddle, sorry!
I have a 2024 tax year cash ISA maturing in June 2025. I recently opened a seperate new 2025 cash ISA in April. Can I renew the 2024 ISA in June (open a new cash ISA with same or new provider) as its already has tax free status from 2024?
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Virgin Stocks & Shares ISA
I have a Virgin S&S ISA which has a monthly account charge of around £30 to pay the fees Virgin sell an appropriate amount of shares each month to cover the fees I think there is an option to open another account which you can fund with enough money to cover the annual cost or could I set up a direct debit from my bank to…
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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…
