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eToro Cash ISA - any experience?
Has anyone tried the eToro Cash ISA? https://www.etoro.com/investing/cash-isa/ It is currently paying 4.67% variable for 12 months (including a bonus).
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Trading 212 - Cash ISA - Financial Ombudsman Service complaint on hold
Just had this email from the Financial Ombudsman Service (FOS) today: "Thank you for your emails and for your continued patience. I’m aware that your complaint has been with us for some time now and that you may be concerned that you’ve not heard much from us yet. On the surface the complaint you’ve brought to us appears…
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Flexible, non flexible Isa rules
Hi as its possible to take funds from a non flexible Isa which was previously a flexible Isa with a different provider, is there downsides to going this route as I currently am wanting to transfer from a low paying flexible Isa to a non flexible however even though AI says its possible to just transfer back a year or…
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Stocks & Shares ISA without shares
With Rachel Reeves changing the ISA limits i have a quick question or two re Stocks & Shares ISAs. I have a Trading 212 Stocks & Shares ISA, with £1000 in cash and £500 in shares. I get approximately 4.05% interest on the cash. Can I bump this up to £20000 (including shares values) and avoid the new £12000 tax limit, or do…
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Help to Buy and LISA - Stuck between 2
Hello, Please can I seek advise. I currently have maxed out my help to buy ISA, which I set up just before the government ended the scheme when I was a student at university. Since then I have contributed more to this ISA then necessary (was not as financially savvy as before). I since learned of the LISA and the benefits…
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Can't open a second Cynergy fixed rate ISA, even for previous tax year subscriptions
I'd like to open a Cynergy fixed rate cash ISA and arrange an internal transfer from my existing Cynergy Online (easy access) ISA into it but it appears that I'm not able to open one, either via the Fast-track route when logged in to online banking or as an existing customer applying via the website. As there are options…
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5 Year ISA
If I take out a 5 year ISA with the maximum deposit of £20000 does that mean I cannot open any more ISA`s in the future until this 5 year term has lapsed
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What is the best UK ETF that tracks the Nasdaq 100?
Ideally a low share price as my broker does not allow fractional shares. My main query is whether to go for synthetic replication or physical? I do like n100 from ishares, and see them as a trusted company. But on the other hand, I do like owning my stocks but could stomach owning a synthetic etf if it means I avoid 15%…
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Google / Alphabet Shares - UK or USA exchange ?
Been looking at the google shares recently and noticed that it trades on both the UK and USA exchanges - Read that the 0RIH is the equivalent of the Alphabet Class A shares but is bought in GBP . both have pluses and minuses ( exchange rates - withholding dividends etc ) . If buying , would it be best to use the UK…
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Are there any reasons not to invest in this?
I'm almost 41, and whilst I'm late to the game, I have become interested in investing in stocks. Specifically, I narrowed it down to: * Platform: Trading 212 (Stocks & Shares ISA) * Fund: VUAG (Vanguard S&P 500 UCITS ETF – Accumulating). * Reason: Very low FX fee (0.15% per trade), no monthly account fee on the ISA. I'm…
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Holding dual child cash & stocks junior ISAs
Hi, hoping for some help here please. We have junior cash ISAs for our two daughers, which both have a substantial amount in. Now we're thinking of stopping contributing to them, and instead letting the balances rise with annual interest. The reason is that we'd like to open for them each a stocks & shares junior ISA, and…
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Kent Reliance - loss of interest on matured ISA
I had a 1 year fixed ISA with KR, £10k, which matured on 13th November. I received a letter less than a week before that date telling me that unless I gave instructions, they'd put it into another fix (!) I managed to get through on the phone and gave instructions for them to put it into an EA ISA at 3.85%, just to give me…
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Nationwide/Virgin merger and Isa's
Was wondering what people are thinking about the probable merger and how it may affect Isa's held with them. This is a quote from an email sent recently: If you have a notice account or a Fixed Rate Bond which hasn’t matured yet, you can take your money out between 24 February 2026 and 1 June 2026 without giving notice,…
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Maturing cash ISA transfer help!
My current idea matures with Coventry the options are very poor. Ideally I want to transfer to different providers so I can get one on monthly interest payout. How can you state how much you want to transfer when you don't know the balance until maturity and they say if they don't hear it will be automatically put in a…
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LISA conditions
Hi, My daughter has just started saving in to LISA. I intend to leave my home to her and my done which will be mortgage free. Can the LISA be used to raise half the value as a mortgage to pay off my son? Thanks
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change of name. deed poll insisted on by building society...
I know there is a similar thread but it didn't seem to address my query. I have a savings account with coventry building society and I want to go back to using my maiden name not my married name. My driving license, bank account, passport etc are all in my maiden name & I'd like my savings account to do the same, but…
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Transferring a Cash ISA to Hargreaves Lansdown Cash ISA
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…
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Monument ISA transfer in.
Can anyone that has had an ISA transfer to Monument complete in the past day please advise how long it took. I'm in the process of transferring an isa to them but it will take me above the FSCS protection limit and need to initiate a partial transfer out to lower the balance.I'm wanting to gauge when that might be as I'm…
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NatWest cash ISA guidance weirdness
Hi all, I have a NatWest cash ISA from last year and after being unwell this year am only just getting around to updating my accounts for this years allowance. My NatWest ISA already has the cash ISA interest rate they're offering for this year, and when I tried to open a new cash ISA, it refused to let me open it as I…
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Simplifying multiple ISAs.
I currently have 2 ISAs and need advice on making them into one. The first, from 2024/2025 is with Virgin Money and turned into an Exclusive Flexi ISA 3 when the one year fix ended. The second, for 2025/2026, is a Nationwide FRCISA 1 year which ends on the 7th April 2026. My question is do I have to wait until the…
