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Does anyone have any experience with Prosper for a Cash ISA?
Their new rate seems to be very good: https://www.moneysavingexpert.com/savings/best-cash-isa/#topeasy No transfers in, rate drops after 1yr Prosper - for new customers only , 4.7% - 2.78% variable + 1yr 1.92% 'Prosper boost' - No transfers in - Min. £10,000, Max. £20k a yr- Open via app- Interest paid: monthly (bonus paid…
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Top Cash ISAs
Hi! This is the discussion thread for the Top Cash ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. Thanks folks
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Moneybox ISA confusion
Just decided that today I would open a MoneyBox ISA as overall it's the best one to bring my other lower paying ISAs into and top up with my allowance, this combining all I to one pot at 4.43 (for now). However when I went to the app just now I got a confusing message. It said the window for opening a 26/27 ISA was closed…
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New Money & Transfers
Having looked at the newsletter, there are some really good new ISA's for new money… which I will look to do, but then what do I do with my existing ISA? I think MoneyBox rates will drop and the new ISA's with the good deals either won't accept transfers or if they do, they will be lower rate. Don't really want to keep…
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ISA transfer out from Plum and Trading 212
I want to transfer out my cash ISAs with Plum and Trading 212 but am having difficulty finding a provider who is able to accept a transfer in from these companies. Anyone been in a similar situation and found a suitable provider?
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My Santander ISA is maturing this December - oh what to do now as I have new cash to invest
Hi. Can anyone help. I started a 1-year fixed term cash ISA with Santander in late Dec 2025. It matures in early Jan 2027. I started it with the full £20k allowed and it has 3.8% interest fixed for the year. Now the new tax year for 2026-2027 has started, I have another £20k that I want to put into an ISA (again, fixed…
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HSBC cashback offer
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…
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Plum - App Issues
Tried to open a Plum Cash ISA, on the app. Took me through the account setup, and eventually got to the ID & Address verification screen. Both boxes were marked as Verified (I had not sent photos of any documents at this point), and I could not continue. My only option was to press the X at the top of the screen, which…
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Prosper Advice
From what I can see, you enter PROSPERCASH as the offer code before opening and ISA, deposit £10k or more and then after 6 months, they credit the ISA with £100? Is that right? Is Prosper as trustworthy as T212 and Moneybox? Thanks
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Non-funded ISA closure - does it count?
I opened a new ISA intending to fund it, but changed my mind. Spoke to customer services, who closed the new ISA account for me, with no money in it. Have I now wrecked my chances of opening another new ISA this year? Or does it have to be funded to count as using your ISA allowance?
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Having 2 ISA's with Nat West
I already have a 1 year fixed rate ISA with Nat West. I opened it at the end of last year & it matures in January 2027. Nat West say on their website "You can open and subscribe to one Cash ISA (Cash ISA or Fixed rate) with us per tax year". I realise that the previous ISA was opened during the previous tax year, but it…
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Trading 212 Cash ISA transfer out
Anyone have recent experience transferring out of T212. I’ll happily transfer to a low rate cash isa to move to a bank that is then easy to move from at a future date.
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Plum ISA
Can someone explain this to me please? The 2.54% base rate is paid monthly and your are protected by the UK’s FSCS safety scheme, as Plum holds your savings with Lloyds Bank, Citibank, QNB and BBVA. For more on this see Are my savings safe? The 2.03% bonus is calculated daily but only paid after one year. It’s not FSCS…
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Zopa boosted Access ISA pot - flexible loophole?
Zopa is offering a 0.5% boost for opening a new Access ISA pot before 5 May I already have an ISA with them, and have added the pot but I can't transfer money from existing pots to the new boosted rate - the app goes through the motions but gives an error at the final step. The terms on their website say "You can deposit…
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transferring a Trading 212 cash ISA to another provider in the 2026/2027 tax year
does anyone know of a provider which will accept a transfer in from a Trading 212 cash ISA? I tried 2 of the providers recommended in the MSN website; both have lists of the ISAs that they'll accept, but neither of them include Trading 212 in their lists.
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New Cash ISA
I have been looking for a new cash ISA for 2026/27. My starting point was the MSE top cash ISA list. Unfortunately, the MSE rating is mainly based on interest rates. As soon as I started reading the small print I realised there are many hidden issues and catches:- For example, FSCS limits that may not apply because the…
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T212 New Customer Promotion as a previous customer
Hi all I have previously been a T212 Cash ISA customer but never used any of their promotional rates. I closed my account last year so they no longer recognize me as a customer. Their new 5.6% rate is exceptionally good, however reading the T&C it says if you were a previous customer it makes you ineligible. On signing up…
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Cash ISA strategy: add to existing or open new
I’d really appreciate some advice on how to manage my Cash ISAs and where to put this year’s £20k allowance. Right now I have: £86k with Moneybox at 4.32% (including a bonus rate that still has 10 months left — I opened it 2 months ago) £66k with Trading 212 at 3.60% I’m unsure whether putting another £20k into Moneybox is…
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Kent Reliance ISA internal transfer
My parents each have a Easy Access Kent Reliance ISA and would like to open the new 1 year 4.37% Fixed ISA with Kent Reliance and only make a partial transfer into this and then transfer the remaining balance to a new Santander 1 year 4.15% fixed to benefit from the £50 e-voucher. (only wish to transfer the relevant…
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ISA questions
Just a little advice please. I have chosen to continue working whilst collecting my pension. I work full time and enjoy my work but am paying more tax so last year I opened an isa. Now it’s the new tax year I am considering paying my government pension each month into it, I know there are better saving options out there…
