ISAs & tax-free savings

Has anyone (customers only) opened, payed in or transferred onto the HSBC Isas cashback offers yet? If so, any communication from HSBC that the new ISA account qualifies for the cashback? I opened one but no idea if it qualifies, the other day I moved money from my HSBC account onto another bank and now I have returned it…

Currently my ISA is with Leeds Building Society earning 4.16%. Is there any reason not to move it to Progressive at 4.5% apart from the 2 withdrawal restriction? I appreciate that both rates are variable so either of them might pay more in 6 months time. I would want to be able to add further funds within my ISA limit…

Hi, trying to do a partial transfer from my Moneybox ISA into my new fixed rate TSB one.seems to be no way of completing this, when I get to inputting the roll up number it will not accept the NI number that moneybox uses for your account number.Was told on the phone by TSB all I had to do was this but it seems impossible!…

I’m trying to transfer my Tradin212 to a new provider. They only allow paper transfers which is proving to be a pain. I’ve been round most of the banks and all of them only accept electronic ISA transfers. I know HSBC allow paper transfers but they made a mess of the original transfer so for me they are a big no no. Does…

I am trying to transfer my trading 212 cash ISA to another isa provider Kent reliance but I am unable to as trading 212 is not part of Pay UK. Has anyone have a similar problem with transferring cash isas? Solutions please!

Hello- I'm still working and would like to find the best way to save monthly - I'm looking at £2000 a month for two years? I retire in Jan 2029 and want to try and get the best rate, easily (hopefully be able to pay by direct debit from my savings account directly each month) and with zero risk? All help greatly…

Hello, I opened a fixed-term cash isa with Santander in the mid of Sep with 0 balance and the money transfer of the cash ISA from another bank was finsihed on 25 Sep. Now Santander's fixed-term cash ISA interest rate is increased from 4.65% to 4.80% now. Is my cooling period passed? Can I upgrade my cash isa with them…

Hi all There is plenty about children getting an inheritance but I'm just after some guidance on a question that I'm struggling with. My 13 year old son has inherited £30K with a wish in the will that it be invested for him. No other detail so I have the money in my name. I plan to open a JISA but the question is am I best…

Bit of a tricky one that I cant get answer to. My daughter inherited some money, we set up a bear trust for her and bought a house with the money which we still run, she has paid into a lifetime isa for a few years and now ready to buy her own house, the question is she a first time buyer? can she use the lifetime isa or…

I opened and funded a 3 year ISA with Aldermore, but I see now West Brom offers a somewhat better rate. Aldermore cooling-off period ends on 12 of October. If I open a West Brom ISA now and request a full transfer, will there be any penalty?

Wonderful Santander offer , 1 year fix 4.65% and if you transfer from another provider you get £200 hotel voucher. Has anyone tried to transfer from Trading212 cash isa? Also it says full transfer only. Does anyone know if it closes existing T212 cash isa account? I dont want to close

Just want to enquire if anyone else is having login problems with there iWeb now Scottish Widows account. Every time I log in there are issues and I need to reset my credentials. I have tried the app and website - always coming up with unrecognised/incorrect login details - you reset them - the same thing happens. This has…

Hi folks, We've just updated our Cash ISA guide to include FAQs at the end. We'd love to know if we've missed anything so if you've got an ISA question we've not already answered, post it below and we'll try to help. Thank you :) MSE Sally

The rate specified on the MSE page: https://www.moneysavingexpert.com/savings/best-cash-isa/ Has been reduced by Trading 212 and using MSE code you now only get 4.6%

************************************************************ Hello. I'm an amateur investor with a stocks and shares ISA account since 2006. This is a diary type thread to share my thoughts and to chart the ups and downs. The diary started on 31st December 2014, and I update it at the end of each quarter. I am particularly…

As above, one of my ISA's has matured - it has a decent amount of money in it - buy a new, German car, mid range. 1 year fix at Barlays for my type of account is 4.8% or close to it. I and my OH have a few other ISA's with them and aware of the FSCS limits. I'm certain saving rates will go up but the BoE interest rate…

Not sure what's going on at Vanguard, but thought I'd share……

Virgin Money has a new 1Y FR ISA 708 4.77% and I recently opened the 707 4.73% about a week ago. Is it possible to upgrade to the newest one 708 without any withdrawal penalty? What is the process? Do I need to contact Virgin Money Customer Service or can I just open the latest issue and start a transfer?

Hello, Captain Stupid here. The most basic question, as I'm confused. If I put £20,000 into an ISA in March 2026 and then put £20,000 in April 2026, does the tax free component apply to both deposits or only one? I.e. can I only get tax relief on up to £20,000 total in any one year. Apologies for the simplicity of the…

Hi, Has anyone managed to transfer a Cash ISA to the new HL Cash ISA at 4.55%? The process doesn't seem to be very straight forward - the cash ISA with your current provider needs to be transferred to a HL Stock and Shares first, then from HL S&S to HL Cash ISA. I am ready to send my application, however I am wondering if…