-
Chip ISA and bank access permissions
I've had a Chip ISA for some months now (run through an app on my phone), and while I am satisfied with the interest rates and account features, I noticed something a bit odd. Periodically, the app asks me to renew permissions for Ship to look into my bank account. Or at least, that's what it appears to say. It seems that…
-
Stocks & shares isa changes
Hi, getting myself confused with the future changes to the s&s Isa’s. For example, I pay in £100 a month and have a balance of £10,000 in the account. what amount would I be taxed with the new 22% charge? Basic rate tax payer. Simple answers please, go easy on me. thanks
-
Cash ISA confusion
Hi All Is there any provider that regularly offers decent cash isa rates to existing customers? I’ve currently got £30k inc £20k added this year with Chip at 3.75%. Got totally shafted by them as I had a bonus rate but they hugely reduced their underlying rate part way through the year. I’ve never previously had big…
-
Moneybox bonus ending – stay or transfer?
I have a Moneybox ISA but my bonus period is ending, leaving me with a 3.45% rate. I’ll need to access some of the money at the end of January when my mortgage is renewed. I’ve looked at the MSE top ISA list, but I’ve already held a Chip ISA, I wouldn't be a new customer to access their bonus rate. Ideally I’d like to…
-
Sticks isa
Hi I would like to start investing in a global index fund. One like this HSBC FTSE All-World Index (Class C) I would be investing my £20,000 allowance every year What would be the best/cheapest wat to do this? Through HSBS its self or through another provider. Any advice would ne appreciated as I have never set anything…
-
Raisin Cash ISA - coming soon
Just had an email this morning to say that the platform will be branching out into Cash ISAs soon. I've signed up to the newsletter, so will have more information shortly. Chasing competitive interest rates doesn’t have to mean opening a new ISA every single year. Doing that usually leaves you managing multiple passwords,…
-
Charter Savings Bank cash ISA account opening - not.
Just a cautionary tale regarding the hoops unsuccessfully jumped through attempting to open a cash ISA with Charter Savings Bank. Last week, my wife decided to move her cash ISA from Moneybox to Charter Savings Bank for reasons of interest rate. Filled in the online form stating that she wished to transfer an existing ISA,…
-
Stocks and Shares ISA
I have a Stocks and Shares ISA which has an Uninvested Cash element and an Investments element. If I transfer £x from my current account into the Cash element ready to make a trade but then decide not to trade, so I then transfer £x back to my bank account, am I considered to have used £x of my annual allowance even though…
-
Sidekick ISA: is the 1.38% 'bonus' rate taxable?
I recently opened this account with a 3.23% interest rate, and an additional 1.38% 'bonus', taking the headline rate to 4.61% But when my interest was paid, only the 3.23% was credited to the ISA, and the 1.38% bonus interest was put in another account, called a Sidekick wallet which obviously isn't the ISA; their customer…
-
Withdraw from one ISA and put in another
I have one "main" S&S ISA opened many years ago. Let's call it ISA A In May this year I opened up a new S&S ISA, let's call it ISA B I put 20k in ISA B in May. Then I withdrew this whole 20k in September. Now can I put 20k in ISA A?
-
Savings advice with potential easy access
Hi all, My husband is in his late 50s and has had a stroke a little over a year ago. It has left him disabled, both physically and cognitively. His company has been brilliant and so far he still has his job, but we are both worried that it may not be something he can keep forever, and he certainly wouldn’t get another one…
-
Kent Reliance - flexible ISA?
Hi, I'm looking at flexible ISAs at the moment, and there is an Easy Access Cash ISA Issue 73 at Kent Reliance which looks okay. The setup process seems a bit complicated as you first apply for an account and then they move it to the new Kent Reliance Online Services. According to the Key Features and Summary Box for the…
-
IG Stocks and Shares ISA - what account type do I choose?
I'm looking to open a stocks and shares ISA for 2026-27 and take advantage of the cashback off on this page: https://www.moneysavingexpert.com/savings/stocks-shares-isas/ The MSE page states: To open the S&S ISA you first have to open IG's general investment account (GIA). Your cashback amount is based on your initial…
-
LLoyds/Halifax ISA Cashback Offer question
Hello, Was too late for the Santander offer, too many issues reported on here for the HSBC and i was cutting it late requesting the HSBC transfer before tomorrow's deadline (if anyone who replied to my previous post asks). 3rd time lucky for this offer i guess? I've seen the next cashback offer is LLoyds/Halifax, however…
-
What to do with LISA after house purchase?
Greetings, had a LISA account for several year. Completed a house purchase couple of years ago. Made the last £4000 payment but house purchase completed before the government bonus was paid. So I have £1000 (+ interest) sitting in an account I have no use for. What would you do with the LISA now? Can't take the money out…
-
UBL cash-ISA issues and the bank can't even provide interest payment details!
My experience with UBL has been very disappointing and I would urge anyone considering a fixed-rate ISA to be particularly careful. The maturity arrangements were confusing. What appeared to be one ISA balance could have different maturity dates because deposits were treated separately, and money was automatically rolled…
-
UBL UK ISA transfer - need advise
Hello I can't find this on other threads about UBL. I sought to transfer old ISA money from a cash ISA (previously a fixed rate ISA with my normal bank). I did everything through the UBL website which said that the money has to go through into a funding account. So I made a payment (transfer) out of my cash ISA into that…
-
UBL Cash ISA Void like the plague
On the face of it the interest rates offered by UBL look attractive but that soon fades when you try opening an account & becomes even worse when you speak to a member o their customer service team. Consistency is something that businesses strive for. Well someone needs to tell UBL that being consistently rude &…
-
Chip Smart Cash ISA - Beware this condition...
Just a heads-up for those thinking of opening a Chip Smart Cash ISA. It has much going for it for the first year as a new customer, good rate for 12 months after opening (variable but tied to BOE rate) it's flexible so cash can be withdrawn and replaced (in the same tax year), albeit withdrawals are not same day they take…
-
Santander ISA
Hi. At the start of the new tax year i opened a fixed rate ISA and transferred maximum allowed into it from my standsrd ISA (also with Santander)). However Santander now say i cannot pay more into either ISA since i have reached my limit for this year. Can that be correct when i transferred from an ISA to an ISA using…
