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2025 ISA
Hi All looking for a wee bit of advice. My partner took out an ISA last April , at the moment there is about £10000 in it, she is aware that she can have an allowance of up to £20,000 . With having to sell her fathers home at some point over the next few months, can she top this one up with another £10000 at any point or…
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UBL bank 2025 update
In hindsight I
wish I had looked on this forum before I chose UBL as the provider for my cash
ISA transfer. I foolishly took it that if the MSE website listed a bank as offering
the best interest rate without any warnings, it would offer a decent standard of
service. Since the
earlier warnings about dreadful UBL customer…
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Salary sacrifice ISA
Hi all, at work we have been informed that you can now contribute to an ISA through salary sacrifice, is there anyone who already does this. Is this a common scheme. Thank you.
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Cash ISA
Is tax payable when you cash in an ISA?
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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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Stocks & Shares ISAs
Hi! This is the discussion thread for the Stocks & Shares ISAs guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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Trading 212 boob
Attempting to set up a cash ISA and finally managed, after several manual checks on my driving licence and my face id, again probably my fault as one was without glasses, to transfer some money in, instant transfer didn't work either. So sent the money via bank transfer and they emailed back with a mismatch on it, turns…
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NS&I Premium Bonds
Recently deposited max amount in premium bonds on 2/1/26 and stupidly thought I would be in the Feb draw. After receiving docs realised it was the March draw (nearly 2 months!!) my fault for not checking and I tried to cancel but told that the transaction was pending. Since then have rang several times and got a vague…
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Monument cash ISA replaceable allowance
Hi. I opened a new cash ISA with Monument earlier in the year by transferring in from another cash ISA. I then subsequently transferred out £50k from this account into another new cash ISA. On the app it said that I had a replaceable allowance of £50k. Today I deposited £5k into this account thinking it would be counted as…
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S&S ISA Transfer
Has anyone done a transfer from a Lloyds Ready Made Investments ISA? And if so how long did it take. I realise there will be slightly more delays at this time of year but I initiated a transfer on Trading 212 a couple of weeks ago and Lloyds haven’t even acknowledged it yet. I’m also assuming Lloyds will have to sell the…
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Best way to make my money work for me
I recently came into inheritance through several streams and Im struggling to discover how best to make it work for me. I have narrowed down £400k to invest and am open to savings accounts or minimal risk investments and Im ashamed to say I don't really understand ISA's so am none too sure whether this would be right for…
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Flexible ISA withdraw and Fixed rate ISA
I have this year's flexible ISA opened with new money on 7 April 2025. I understand that I have the following options: * Open a new fixed rate ISA and transfer the full amount from the flexible ISA * Open new fixed rate ISA(s), withdraw less than the full amount of the flexible ISA and fund the new fixed rate ISA(s). Leave…
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ISA transfer experiences
My most recent experiences. First the bad and the ugly: * Monument to Santander. The request had to be made on paper, which I handed in to a friendly Santander employee in Branch. 6 weeks later, there had been nil progress as the form apparently "didn't reach the right department" (in Santander). This means I missed out on…
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ISA Allowances
Hi, I have a T212 ISA which is maxed out. I'm confused as to what happens in April in terms of having a new ISA allowance. Am I able to simply add another £20k into the same ISA, or do I have to open another one with someone else? If adding to the existing one, surely that gets confusing if you decide to move money around…
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Principality Flexible ISA - Replacement allowance query
I transferred an ISA to Principality in Oct 25 of c. £29,000. This was made up of £19k of 24/25 deposits and £10k of 25/26 money deposited into the previous provider (CMC). I had deposited a separate £10k in 25/26 into Santander fixed ISA which is still there so I have no further 25/26 allowance remaining. I have been…
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Aldermore 4.17%
Just a heads up. I called Aldermore today to ask a few questions about their 4.17% fixed ISA. One of the questions I asked was when was the last time the interest rate for this ISA changed. Really just trying to find out wether they had already reduced it following December's BoE decision. Was told that although all other…
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ISA Interest Withdrawal
Hi all. First post so be nice, and I know this is stupid question but I have not got any where with talking to trading 212. Early last year after reading the recommendation on MSE about Trading 212 cash ISAs, deposited 20k, come April I put in another 20k. This has been growing quit nicely, and I wanted to withdraw some of…
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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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Skipton LISA
I've been using Skipton for my lifetime ISA for several years and have a decent amount of money in there. However, the interest rate keeps reducing. Is it best to keep it in here at the new rate of 2% or move it to another?
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Moved: Financial Advice - Elderly parent care
This discussion has been moved.
