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Flexible ISA Question
I have a Cash ISA with trading 212 but the bonus rate finished some months ago. I can't tale advantage of other offers like Moneybox or Plum as I've had previous ISA's with them. My Trading 212 ISA I have only had since the start of this new tax year. It's compromised of amounts from 2 previous tax years and a current tax…
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Sell dads house
My dads alive and had nearly sold his house . Why do we do with the money? He wants to spend some but is he allowed? I care for him at my house and he lives wirh me full time . But what do we do wirh 140k? Can he just have it in his bank? Thankyou
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Virgin ISA16
HI, newbie here so be gentle please! I have a VIrgin IS16 now matured with 20k in it for a full year at 4.61% which should yield £922 interest. I only got £853.84 credited. Anyone know why ? TIA
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Nationwide - Fixed cash ISA due to mature in few weeks
Just want to double check that I've not missed anything regarding impending ISA maturity. It would appear that you can only administer what you'd like to do with matured funds in branch, via postal form or over the phone. I'm pretty sure it was possible to provide instrustions via a dedicated webpage to move funds into a…
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ISA approaching maturity date
I have a 1yr fixed term ISA with Kent Reliance that is due to mature on 9th December 2025. Can anyone tell me if I have to wait till 9th December onwards to initiate a transfer to another provider, or is there an industry 'timescale' that allows me to start a transfer beforehand? I think it takes around 14 days for the…
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Take a peek at my hand?
************************************************************ 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…
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Shawbrook maturing ISA questions
I've a couple of questions on a maturing Shawbrook ISA. If I selected a maturity option on their website, is it locked in or could I amend it before their imposed deadline? The other query is with regards to Shawbrook accepting additional funds into their multi-year ISAs. I understand it's possible to to fund say a 3 year…
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Tax on interest for joint accounts
My husband and I have a joint savings account. He is higher rate tax payer, I am normal. We also have 2x children with savings accounts in our names. I am confused as to the threshold of interest earned and if we are earning over the taxable amount. i.e does our tax limit on joint account calculate as £1000 for me plus…
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Flexible and non flexible ISAs
Hi I opened a Moneybox non flexible cash ISA at the beginning of this tax year to park some cash after a property sale. I have (wisely) spent most of this leaving a balance of £500 in this cash ISA. I am considering transfering this balance into a flexible stocks and shares ISA to have a go at investments via an ISA…
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ISA Maturity Options
my ISA is due to mature in October. I have two questions regarding the options available: * Am I able to withdraw only the interest earned, and also transfer part of the balance to my son’s account, while leaving the remaining funds invested? * Alternatively, would it be more beneficial to renew the ISA for another one or…
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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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Moving S & S ISA money ‘by hand’ to avoid transfer stress?
I have £20,000 in a Vanguard stocks and shares ISA and want to move provider due to the increased fees for small portfolios. I am not paying more money into the ISA. To avoid the stress and time delay of an ISA transfer, can I just withdraw the money at the end of the 2025-2026 tax year, pay whatever is left of my unused…
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Transferring ISA
Good Morning. In September 2024 I took out my 1st ISA(1 year fixed rate cash ISA) and deposited £20,000. I have made no further deposits and the account matured yesterday. I have now been put on a low rate easy access ISA. My question is if I decide to open a new ISA with my existing provider and transfer the £20,000 to…
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Harpenden BS ISA
I'm looking into opening single access cash ISA 4.31% with Harpenden and looking for information/advice on the following: 1. Transfers in (method and speed) 2. Transfers out (any obstacles?) 3. When was the last rate change? (just wandering whether to expect it to decrease very soon or it is likely to stay until next BoE…
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Trading212 - am i missing something
I opened a SS ISA a month ago and the monies went straight into the Investment, I have subsequently made a top up and that is being held as Cash. How do I transfer this to the Investment ?
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ISA Transfer Issue
I’m having issues with an ISA transfer. I have an ISA with provider A which is £20050. I initiate a transfer to provider B via provider B’s own transfer form. After a few days I see that only £50 has appeared in the new provider B account. Checking my provider A account I see the £50 has gone as a faster payment and not a…
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Should I use Equiniti to sell shares?
I have a few low value stock holdings (EX Building Society
conversions to PLC status) on the Equiniti.com platform that I plan to sell off. Their fees appear very high. E.G. They are quoting a fee of £40
for one holding with a market value of £480. Is that reasonable?
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Blocked Transfer of Junior Cash ISAs - Halifax to Coventry
Hi All, I have finally got around to finding a better ISA rate for my two daughters JISAs. I've opened a new account for each of them with the Coventry Building Society. As part of the application process I've supplied the information for the girls' current JISAs with the Halifax. All seemed to be fine but I then received…
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Chetwood Bank via Hargreaves Lansdown
Hi - I was thinking about opening the Chetwood 4.32% 1 year fixed term ISA in case rates fall further. I’d be looking to largely fund via a transfer from another ISA. HL seem to say they accept transfers in via their Stocks and Shares ISA - so fiddly, but fine - although in order to open a Cash ISA (to transfer from S&S)…
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Working holiday abroad and income/savings
Any advice, please? My daughter (aged 20) is in her final year of uni. Her income last tax year was £750ish...so well below tax threshold. Next summer 2026 she hopes to do a working holiday in Canada. What are the income tax implications/what does she need to do AND she has about £21,000 in an ISA saved by yours truly.…
