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Stocks & Shares ISA selling unit trusts, buying ETFs - advice please
I have recently transferred my ISA from a long standing broker to IWeb to reduce my fees, I also want to sell my current portfolio of a dozen unit trusts and purchase fewer ETFs. This will simply my portfolio. I thought I would be able to sell and buy on the same day and therefore not be exposed to potential crash in the…
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Best ISA for a new grandchild
Hi my first post as a newbie. Interested in investment for a new Grandchild via an ISA type of savings account that will be invested in long term savings. Anyone ideas on best options available for a long term investment until little one reaches the age of 18. Any advice welcome thanks
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Flexible ISA transfers
Hi. I have a flexible ISA from last year 23-24 with Paragon (double access). This year's 24-25 is with Zopa (unlimited access). What I planned to do is max out the Zopa one before April. Then in April draw most of the Paragon one out and pay towards mortgage. THEN transfer the Paragon Isa (with say £2k left in it) to the…
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Flexible cash ISAs between providers
I’ve got an ISA with Tradding 212 and it is a flexible cash ISA. i paid in (almost) £20,000 at the start of this tax year and transferred in another £60k held in previous ISAs so the total balance is around £80k. if I withdraw the £20k I put in this year and then transfer the remainder over to another cash ISA provider (to…
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Virgin 1 Year Fixed Rate ISA 5.05%
As the title says, Virgin Money are offering a 1 year fixed rate cash ISA with a rate of 5.05%: https://uk.virginmoney.com/savings/products/1_year_fixed_rate_cash_isa_exclusive_issue_14/ Seems to beat the best rate offered in the MSE newsletter?
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Query re transfer from non flexible cash isa to stocks and shares isa
I have £20k in a tembo cash isa full allowance for the year that is non flexible. Can I withdraw monthly in order to drip feed into a new stocks and shares is with a different provider?
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Tembo ISA interest rate reduction
They've just announced: "From Monday 18th August 2025, the rate on our Cash ISA - Easy Access will change from 4.64% AER (variable) to 4.10% AER (variable).Last week, the Bank of England lowered its base rate from 4.25% to 4.00%. As this affects the interest rates that providers like Tembo can offer, we’re adjusting our…
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Tembo ISA - Transfer/Allowance confusion
I recently opened a Tembo Easy Access ISA, made a deposit and also arranged for a transfer from a previous provider (NS&I). The transfer was worth approx £3.3k. I now see that my "used allowance" in Tembo is equal to my deposit plus £1100, and I don't understand where this £1100 usage has come from. Seems too much of a…
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Lloyds Bank ISA
My 81 year old mum does not do online banking and this won't change, she wants to manage things in a branch with some human interaction. She currently has the best part of £30k sat in her Club Lloyds current account earning pretty much no interest on most of it. She has a local branch of Lloyds and their website says you…
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Moneybox Cash ISA interest due
I just opened a Moneybox Cash ISA account and the transfer in from another Cash ISA account was completed the same day. However a day later, the 'interest due' and 'today's interest' still appears as £0. Do you know why that is? I thought they showed you interest accrued on a daily basis even if thst interest hasn't been…
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Plum ISA - confused about interest
I opened a PLUM ISA on April 07th at a preferential rate of 5.92% for three months on the advice of MSE, with a note in the diary to ditch and switch after the increased rate expired. However, I've just logged in to see how things are looking there, and have discovered that: * The interest accrued is only about £80 for two…
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If I add another £20k to my existing ISA account do I not pay tax on £40k ? Il
I am reading conflicting information about this, I am wondering if I keep adding to my existing isa will I not need to pay tax on any of this money? It seems too good to be true .!
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Rapid ISA transfer
I must admit - I'm impressed. Earlier this month I opened an ISA with Vanquis requesting a transfer from a maturing Virgin ISA. That ISA matured today and the transfer had been completed by this evening - I'm not sure when exactly. Just a bit of good news for a change.
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Moving an ISA away from Plum.
My Plum ISA does not appear to have a sort code or account number unlike all my other ISA's. Does anyone know how to obtain this information so I can give it to my new ISA provider please.
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Tell us you cash ISA questions
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
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Transferring from a Non-Flexible ISA to a Flexible ISA
I have a Virgin fixed-rate ISA maturing at the end of this month. I've not had any comms from Virgin yet on the options at maturity, but it looks like they don't (currently) provide any Flexible ISAs. I need access to these funds for a period of time later this year. If I transfer the ISA to a new or existing flexible ISA…
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Virgin Fixed ISA terms depend on your sort code
May be useful for some - easily missed I think. If your isa has sort code starting 08 you have 30 days to pay in but sort codes starting 05 or 82 only 14 days
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Partners wanting to make a 1st time property purchase.
Martin's podcast of 3July 25 indicates that 2 partners, both having a LISA, can both get bonus when buying jointly a 1st time property. (Assuming of course they meet property value requirements.) If one has a HTB ISA and the other a LISA - is this still the case; what if they both have a HTB ISA - again, does this dual…
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shawbrook bank transfer
hi all i've been trying to open a isa with shawbrook but filling in the online form its asking me how much i want to open the acc with (min £1000) i dont want to move money in i'm wanting a transfer in which is over £1000 but that section is on the next page and wont allow me to go any further forward and i've already used…
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Natwest Fixed rate ISA Annual 2023
Hi there, I opened a Fixed Rate ISA Annual 4th August 2023, interest rate 5.7%. Interest paid 28th March 2024. I had expected the remaining interest to be paid by now, but hasn't, and the interest rate on the app is still showing as 5.7% which I'd expected to have dropped. Can anyone enlighten me??
